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The parent company financial statements present information about the <span class=\"_ _7\"></span>Company as a separate entity.<span class=\"_ _3eb\"> </span>The Group financial statements have been <span class=\"_ _7\"></span>prepared in accordance with UK-adopted international accounting <span class=\"_ _7\"></span>standards and International Financial Reporting <span class=\"_ _7\"></span>Standards (IFRS) (Accounting Standards) <span class=\"_ _7\"></span>as adopted by the <span class=\"_ _7\"></span>European Union (EU<span class=\"_ gs36\"> </span>IFRS), as there are no applicable differences <span class=\"_ _7\"></span>for the periods presented. The Company financial <span class=\"_ _7\"></span>statements have been prepared in<span class=\"_ gs36\"> </span>accordance with <span class=\"_ _1b\"></span>UK-adopted international accounting <span class=\"_ _7\"></span>standards as <span class=\"_ _1b\"></span>applied in conformity <span class=\"_ _7\"></span>with section <span class=\"_ _1b\"></span>408 of the <span class=\"_ _7\"></span>Companies Act 2006. The financial statements have <span class=\"_ _7\"></span>been prepared in accordance with the requirements <span class=\"_ _7\"></span>of the Companies Act 2006. The following parts of the Risk <span class=\"_ _7\"></span>review and Capital review form part of <span class=\"_ _7\"></span>these financial statements:<span class=\"_ _3eb\"> </span>a) Risk review: Disclosures marked as <span class=\"_ _7\"></span>\u2018audited\u2019 from the start of the Credit <span class=\"_ _7\"></span>Risk section to the end of <span class=\"_ _7\"></span>Other principal risks in<span class=\"_ gs36\"> </span>the<span class=\"_ gs36\"> </span>same section.<span class=\"_ _3eb\"> </span>b) Capital review: Tables marked as <span class=\"_ _7\"></span>\u2018audited\u2019 from the start of \u2018CRD Capital <span class=\"_ _7\"></span>base\u2019 to the end of \u2018Movement <span class=\"_ _7\"></span>in total capital\u2019, excluding \u2018Total risk-weighted assets\u2019.<span class=\"_ _3eb\"> </span>Basis of <span class=\"_ _7\"></span>preparation<span class=\"_ _3eb\"> </span>The consolidated and Company financial statements <span class=\"_ _7\"></span>have been prepared on a going concern <span class=\"_ _7\"></span>basis and under the historical cost convention, as modified by the <span class=\"_ _7\"></span>revaluation of cash-settled share-based payments, fair value <span class=\"_ _7\"></span>through other comprehensive income, and financial assets and <span class=\"_ _7\"></span>liabilities (including derivatives) at fair value through <span class=\"_ _7\"></span>profit or loss.<span class=\"_ _3eb\"> </span>The consolidated financial statements are presented <span class=\"_ _7\"></span>in United States dollars ($), being the <span class=\"_ _7\"></span>presentation currency of the Group and functional currency of the <span class=\"_ _7\"></span>Company, and all values are rounded to <span class=\"_ _7\"></span>the nearest million dollars, except when otherwise indicated.<span class=\"_ _3eb\"> </span>Re-presentation of <span class=\"_ _7\"></span>segmental information During the period there has been <span class=\"_ _7\"></span>a change with respect to the classification <span class=\"_ _7\"></span>of income attributable to geographic markets which has been re-presented to ensure <span class=\"_ _7\"></span>recognition is in line with transfer pricing <span class=\"_ _7\"></span>principles for services performed including origination, structuring, booking, and risk management. <span class=\"_ _7\"></span>This is necessary to align the presentation <span class=\"_ _7\"></span>of the disclosure of<span class=\"_ gs36\"> </span>geographic markets\u2019 operating income with client <span class=\"_ _7\"></span>segments in line with the Regulatory News <span class=\"_ _7\"></span>Service (RNS) filing on Re-Presentation of Financial Information issued on <span class=\"_ _7\"></span>2 April 2025. Prior period amounts have <span class=\"_ _7\"></span>been re-presented in line with the<span class=\"_ gs36\"> </span>current year basis of preparation to <span class=\"_ _7\"></span>align with the information reviewed by the <span class=\"_ _7\"></span>Chief Operating Decision Maker (CODM). Where the re-presentation has impacted disclosure, <span class=\"_ _7\"></span>it is included within the footnotes in <span class=\"_ _7\"></span>the following sections and tables:  <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ls2\">Statement of results table<span class=\"_ _11\"></span> </span> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">Group Chief Financial Officer\u2019s review, Summary of financial performance table </span> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">Financial review tables including the following: Operating income by product, profit before <span class=\"_ _7\"></span>tax by client segment, </span>Adjusted net interest income and margin, and Restructuring, DVA, FFG and other items  <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">Supplementary financial information tables including the following: Underlying performance by client segment, <span class=\"_ _7\"></span>Corporate </span>&amp; Investment Banking, Wealth &amp; Retail Banking, Ventures, Central &amp; other items, Underlying performance by key market, and Quarterly underlying operating income by <span class=\"_ _7\"></span>product  <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">Underlying versus reported results reconciliations, Net interest income and Non NII table </span> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ls2\">Movement in risk-weighted assets</span> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">Risk review: Movement tables for Corporate &amp; Investment Banking (audited), Wealth &amp; <span class=\"_ _7\"></span>Retail Banking (audited), and </span>Wealth &amp; Retail Banking \u2013 Secured <span class=\"_ _7\"></span>(audited)  <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">Risk review: Credit impairment charge (audited) </span> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">Notes to the financial statements: Note 2 Segmental information and Note 4 <span class=\"_ _7\"></span>Net fees and commission<span class=\"_ _3eb\"> </span></span>Comparatives<span class=\"_ _3eb\"> </span>Certain comparatives on the Company Cash <span class=\"_ _7\"></span>flow Statement have been restated to align <span class=\"_ _7\"></span>with the current year presentation. This restatement has no impact to <span class=\"_ _7\"></span>the Company's Income Statement, Statement of Comprehensive <span class=\"_ _7\"></span>Income, Balance Sheet and Statement of Changes in Equity. <span class=\"_ _7\"></span> Details of these changes are set <span class=\"_ _7\"></span>out in the relevant sections and <span class=\"_ _7\"></span>notes below: <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ls2\">Cash flow statement</span> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ls2\">Note 34 Cash flow statement<span class=\"_ _3eb\"> </span></span>Change in <span class=\"_ _7\"></span>accounting policy Prior year amounts for certain Credit <span class=\"_ _7\"></span>risk tables (required by IFRS 7 \u2013 <span class=\"_ _7\"></span>Financial Instruments: Disclosures) within the Risk review<span class=\"_ gs36\"> </span>on pages 218 to 308 were <span class=\"_ _7\"></span>also represented for a change in accounting <span class=\"_ _7\"></span>policy for the presentation of the <span class=\"_ _7\"></span>Group\u2019s geo-graphic disclosures to align to information <span class=\"_ _7\"></span>reported to key management personnel. These disclosures <span class=\"_ _7\"></span>changed from being based on a management view, <span class=\"_ _7\"></span>which was principally the location from which <span class=\"_ _7\"></span>a client relationship is managed, to<span class=\"_ gs36\"> </span>being based on a view reflecting <span class=\"_ _7\"></span>the location in which exposures are financially <span class=\"_ _7\"></span>booked. This change provides more relevant information because it more closely <span class=\"_ _7\"></span>reflects the Group\u2019s exposure to risk presented <span class=\"_ _7\"></span>to key management personnel. The<span class=\"_ gs36\"> </span>change impacted the following tables: Loans <span class=\"_ _7\"></span>and advances analysis by client segment, credit <span class=\"_ _7\"></span>quality and key geography, Forborne and other modified loans <span class=\"_ _7\"></span>by key geography, and Industry and Retail <span class=\"_ _7\"></span>Products analysis of loans and advances by key geography \u2013 Corporate <span class=\"_ _7\"></span>&amp; Investment Banking and Central &amp; other <span class=\"_ _7\"></span>items. The most significant impact of <span class=\"_ _7\"></span>this change was in net loans and <span class=\"_ _7\"></span>advances to customers in the UK, which <span class=\"_ _7\"></span>increased by $14.6 billion. This amount <span class=\"_ _7\"></span>was re-classified from a number of geographic locations. <span class=\"_ _7\"></span>There has been no impact to Earnings <span class=\"_ _7\"></span>Per Share or Diluted Earnings per <span class=\"_ _7\"></span>Share from this change. Refer to the bridge <span class=\"_ _7\"></span>tables in Note 40 on page 428 <span class=\"_ _7\"></span>for a reconciliation between the tables <span class=\"_ _7\"></span>previously disclosed at 31 December 2024 and the re-presented <span class=\"_ _7\"></span>tables in these financial statements.<span class=\"_ _3eb\"> </span>Significant and <span class=\"_ _7\"></span>other accounting <span class=\"_ _7\"></span>estimates and <span class=\"_ _1b\"></span>judgements<span class=\"_ _3eb\"> </span>In determining the carrying amounts of <span class=\"_ _7\"></span>certain assets and liabilities, the Group makes <span class=\"_ _7\"></span>assumptions of the effects of uncertain future events on those assets and <span class=\"_ _7\"></span>liabilities at the balance sheet date. The <span class=\"_ _7\"></span>Group\u2019s estimates and assumptions are based on<span class=\"_ gs36\"> </span>historical experience and expectation of future <span class=\"_ _7\"></span>events and are reviewed periodically. Further information <span class=\"_ _7\"></span>about key assumptions concerning the future, and other <span class=\"_ _7\"></span>key sources of estimation uncertainty and judgement, <span class=\"_ _7\"></span>are set out in the relevant disclosure notes for the areas <span class=\"_ _7\"></span>set out under the relevant headings below:<span class=\"_ _3eb\"> </span>Significant accounting <span class=\"_ _7\"></span>estimates and <span class=\"_ _7\"></span>critical judgements Significant accounting estimates and judgements represent <span class=\"_ _7\"></span>those items that have a significant risk <span class=\"_ _7\"></span>of causing a material adjustment to the carrying amounts of <span class=\"_ _7\"></span>assets and liabilities within the next year. <span class=\"_ _7\"></span>Significant accounting estimates and judgements are: <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">Expected credit loss calculations (Note 8)</span> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">Financial instruments measured at fair value (Note 13) </span> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">Investments in subsidiary undertakings, joint ventures and associates \u2013 China Bohai associate <span class=\"_ _7\"></span>accounting and impairment </span>analysis (Note 32)<span class=\"_ _3eb\"> </span>Macroeconomic and geopolitical uncertainty is already <span class=\"_ _7\"></span>embedded in the estimate of forward-looking cash <span class=\"_ _7\"></span>flows that affect the estimate of Expected credit loss <span class=\"_ _7\"></span>calculations and impact the recoverability of certain <span class=\"_ _7\"></span>assets, including of goodwill, deferred tax assets and investments in <span class=\"_ _7\"></span>subsidiary undertakings.<span class=\"_ _3eb\"> </span>Other areas <span class=\"_ _7\"></span>of accounting <span class=\"_ _7\"></span>estimate and <span class=\"_ _1b\"></span>judgement<span class=\"_ _3eb\"> </span>Other areas of accounting estimate and <span class=\"_ _7\"></span>judgement do not meet the definition under <span class=\"_ _7\"></span>IAS 1 of significant accounting estimates or critical accounting judgements, but <span class=\"_ _7\"></span>the recognition of certain material assets and <span class=\"_ _7\"></span>liabilities are based on assumptions and/or are subject to long-term <span class=\"_ _7\"></span>uncertainties. The other areas of accounting estimate <span class=\"_ _7\"></span>and judgement are: <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">Taxation (Note 10)</span> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">Goodwill and intangible assets \u2013 Goodwill impairment and Capitalisation of internally generated <span class=\"_ _7\"></span>software intangibles </span>(Note 9 and Note 17) <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">Provisions for liabilities and charges \u2013 Other provisions (Note 24)</span> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">Legal and regulatory matters (Note 26)</span> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">Retirement benefit obligations (Note 30)</span> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">Share-based payments (Note 31)<span class=\"_ _3eb\"> </span></span><div class=\"t m0 h4 ff5 fs1 fc1 sc0 ls1 ws2 gs123\">Climate change <span class=\"_ _7\"></span>impact on <span class=\"_ _7\"></span>the Group\u2019s <span class=\"_ _1b\"></span>balance sheet </div><div class=\"t m0 h9 ff1 fs2 fc3 sc0 ls2 ws0 gs124\">Climate, and the impact of climate on the Group\u2019s balance sheet is considered as an area which can impact accounting </div><div class=\"t m0 h9 ff1 fs2 fc3 sc0 ls2 ws0 gs125\">estimates and judgments through the uncertainty of future events and the impact of that uncertainty on the Group\u2019s assets </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs126\">and liabilities, performance, or cash flows. </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs127\">The Group has assessed the impact <span class=\"_ _7\"></span>of climate risk on the financial report. <span class=\"_ _7\"></span>This is set out within the <span class=\"_ _7\"></span>non-financial </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs128\">and<span class=\"_ gs36\"> </span>sustainability information statement on page 50 <span class=\"_ _7\"></span>and the Sustainability Review, which incorporate the <span class=\"_ _7\"></span>Group\u2019s </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs129\">climate-related disclosures which align with the <span class=\"_ _7\"></span>recommendations from the Task Force for Climate <span class=\"_ _7\"></span>related Financial </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs12a\">Disclosures (TCFD) and Hong Kong Listing <span class=\"_ _7\"></span>Requirements. Further risk disclosures have been provided <span class=\"_ _7\"></span>in the Principal Risks </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs12b\">and Uncertainties section of the Annual <span class=\"_ _7\"></span>Report where the Group has described how <span class=\"_ _7\"></span>it manages climate risk, which manifests </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs12c\">through the Group\u2019s business and operations <span class=\"_ _7\"></span>and impact the relevant Principal Risk Types <span class=\"_ _7\"></span>(PRTs). This is managed via the </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs12d\">ESGR Risk Type framework.<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h9 ff1 fs2 fc3 sc0 ls2 ws0 gs12e\">The areas of impact where judgements and the use of estimates have been applied were credit risk and the impact on </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs12f\">lending portfolios; ESG features within issued <span class=\"_ _7\"></span>loans and bonds; physical risk on our <span class=\"_ _7\"></span>mortgage lending portfolio; and the </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs130\">corporate plan, in respect of which <span class=\"_ _7\"></span>forward looking cash flows impact the recoverability <span class=\"_ _7\"></span>of certain assets, including of </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs131\">goodwill, deferred tax assets and investments <span class=\"_ _7\"></span>in subsidiary undertakings. However, these did not <span class=\"_ _7\"></span>result in any material </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs132\">change to this year\u2019s balance sheet <span class=\"_ _7\"></span>or income statement.<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs133\">Transition risk, as our clients move <span class=\"_ _7\"></span>to lower carbon emitting revenues, (either by <span class=\"_ _7\"></span>virtue of legislation, technological </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs134\">advancement, or changing end customer preference) <span class=\"_ _7\"></span>is considered with reference to client transition <span class=\"_ _7\"></span>pathways and </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs135\">manifests over a longer term than <span class=\"_ _7\"></span>the maturity of the loan book (up <span class=\"_ _7\"></span>to 2050). The setting of net <span class=\"_ _7\"></span>zero targets, which covers </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs136\">our 12 highest emitting sectors, manages <span class=\"_ _7\"></span>transition risk. Net zero targets, climate risk <span class=\"_ _7\"></span>questionnaires which are used to assess </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs137\">clients for transition risks and the <span class=\"_ _7\"></span>credibility of their transition plan (CTP) enable <span class=\"_ _7\"></span>the portfolio managers to work with <span class=\"_ _7\"></span>our </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs138\">clients on their transition and deploy <span class=\"_ _7\"></span>capital to those clients which are engaged <span class=\"_ _7\"></span>and have adequate transition pathways. </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs139\">All<span class=\"_ gs36\"> </span>of these actions manage the Group\u2019s <span class=\"_ _7\"></span>transition risk and engage clients before transition <span class=\"_ _7\"></span>risk manifests itself into credit </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs13a\">losses. We have also evaluated transition <span class=\"_ _7\"></span>risk to achieve net zero in our <span class=\"_ _7\"></span>own operations. We use scenario analysis <span class=\"_ _7\"></span>to evaluate </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs13b\">how various Transition Risk scenarios impact <span class=\"_ _7\"></span>Loan Impairment intensities. These scenarios consider climate <span class=\"_ _7\"></span>transition costs </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs13c\">including the impact of rising carbon <span class=\"_ _7\"></span>prices, technology investment costs and changes in <span class=\"_ _7\"></span>carbon intensities.<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs13d\">While physical risk is included within <span class=\"_ _7\"></span>the majority of our mortgage lending decisions, <span class=\"_ _7\"></span>we have also applied scenario analysis </div><div class=\"t m0 h9 ff1 fs2 fc3 sc0 ls2 ws0 gs13e\">against the pathways of different temperature outcomes to examine exposure concentration risk in key markets subject </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs13f\">to<span class=\"_ gs36\"> </span>the extreme risk of floods and <span class=\"_ _7\"></span>storms to assess the acute physical risk, <span class=\"_ _7\"></span>and sea level rise to assess <span class=\"_ _7\"></span>the chronic physical risk. </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs140\">Stranded assets analysis was conducted for <span class=\"_ _7\"></span>residential mortgages to identify properties that are <span class=\"_ _7\"></span>expected to become </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs141\">uninhabitable and/or unusable due to increased <span class=\"_ _7\"></span>frequency and intensity of physical risk events <span class=\"_ _7\"></span>from acute and chronic risks. </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs142\">We evaluate the physical risk vulnerabilities <span class=\"_ _7\"></span>of our existing sites, both existing and <span class=\"_ _7\"></span>new on a periodic basis. Across <span class=\"_ _7\"></span>2025 we </div><div class=\"t m0 h9 ff1 fs2 fc3 sc0 ls2 ws0 gs143\">focused on sites hosting important business services, especially those vulnerable to extreme Physical Risks, to strengthen </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs144\">resilience, and have initiated an evaluation <span class=\"_ _7\"></span>of Physical Risk vulnerabilities at our primary <span class=\"_ _7\"></span>supplier\u2019s delivery sites to proactively </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs145\">address potential business disruptions. Additionally, we <span class=\"_ _7\"></span>assess the impact of climate risk on <span class=\"_ _7\"></span>the classification of \ufb01nancial </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs146\">instruments under IFRS 9, when Environmental, <span class=\"_ _7\"></span>Social or Governance (ESG) triggers may affect <span class=\"_ _7\"></span>the cash \ufb02ows received </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs147\">by<span class=\"_ gs36\"> </span>the<span class=\"_ gs36\"> </span>Group under the contractual terms of <span class=\"_ _7\"></span>the instrument.<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs148\">The ESGR Risk team has performed <span class=\"_ _7\"></span>a quantitative assessment of the impact of <span class=\"_ _7\"></span>climate risk on the IFRS 9 <span class=\"_ _7\"></span>ECL provision. </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs149\">This<span class=\"_ gs36\"> </span>assessment was performed across both the <span class=\"_ _7\"></span>CIB and WRB portfolios. The climate risk <span class=\"_ _7\"></span>impact assessment on IFRS 9 </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs14a\">business as usual ECL has been <span class=\"_ _7\"></span>conducted based on internal climate risk models <span class=\"_ _7\"></span>for six Corporate priority sectors </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs14b\">(Oil<span class=\"_ gs36\"> </span>and<span class=\"_ gs36\"> </span>Gas, Power, Steel, Mining, Shipping, and <span class=\"_ _7\"></span>Automotive), one Generic Carbon Elasticity Model (CEM) <span class=\"_ _7\"></span>for the remaining </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs14c\">Corporate sectors, an enhanced Sovereign Climate <span class=\"_ _7\"></span>Probability of Default (PD) model, newly developed <span class=\"_ _7\"></span>Project Finance </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs14d\">(PF)<span class=\"_ gs36\"> </span>and Shipping Finance (SF) PD models, <span class=\"_ _7\"></span>and Retail Mortgages Loss Given Default (LGD) <span class=\"_ _7\"></span>models (for top four countries). </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs14e\">The<span class=\"_ gs36\"> </span>top-down approach is used for the <span class=\"_ _7\"></span>remaining portfolios without internal climate risk models. <span class=\"_ _7\"></span>The impact assessment </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs14f\">resulted in only an immaterial ECL <span class=\"_ _7\"></span>increase across CIB and WRB, which has <span class=\"_ _7\"></span>been recorded as a management overlay <span class=\"_ _7\"></span>for </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs150\">the<span class=\"_ gs36\"> </span>2025 year end. </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs152\">The Group\u2019s corporate plan has a <span class=\"_ _7\"></span>five-year outlook and considers the highest emitting <span class=\"_ _7\"></span>sectors the Group finances. </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs153\">The<span class=\"_ gs36\"> </span>majority of the Group sector targets <span class=\"_ _7\"></span>are production/physical intensities which allow continued levels <span class=\"_ _7\"></span>of lending as </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs154\">long<span class=\"_ gs36\"> </span>as the products the client produce <span class=\"_ _7\"></span>have a decreasing carbon cost. For coal <span class=\"_ _7\"></span>mining and oil and gas, these <span class=\"_ _7\"></span>sectors have </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs155\">absolute targets which represent a decreasing <span class=\"_ _7\"></span>carbon budget. Coal mining is an immaterial <span class=\"_ _7\"></span>book, while for oil and gas </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls35 ws36 gs156\">lending is being actively monitored <span class=\"_ _7\"></span>on a portfolio basis <span class=\"_ _7\"></span>towards lower carbon counterparties and <span class=\"_ _7\"></span>technologies. The corporate </div><div class=\"t m0 h9 ff1 fs2 fc3 sc0 ls2 ws0 gs157\">plan is shorter term than many of the climate scenario outlooks but seeks to capture the nearer term performance as </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs158\">required by recoverability models. The Group <span class=\"_ _7\"></span>has for the fourth time in the <span class=\"_ _7\"></span>2026 corporate plan included anticipated credit </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs159\">impairment charges, now across eleven NZ <span class=\"_ _7\"></span>sectors (Aviation, Auto, Power, Oil and Gas, <span class=\"_ _7\"></span>Commercial Real Estate, Cement, </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs15a\">Agriculture, Shipping, Aluminium, Steel and Coal). <span class=\"_ _7\"></span>This addition of credit impairment has not <span class=\"_ _7\"></span>in itself, materially impacted the </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs15b\">recoverability of assets supported by discounted <span class=\"_ _7\"></span>cash flow models (such as Value in <span class=\"_ _7\"></span>Use) which utilise the corporate plan.<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs15c\">The Group has progressively strengthened its <span class=\"_ _7\"></span>scenario analysis capabilities with the modelling of <span class=\"_ _7\"></span>Climate Risk impact </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs15d\">over<span class=\"_ gs36\"> </span>a<span class=\"_ gs36\"> </span>30-year period across multiple dimensions including <span class=\"_ _7\"></span>scenario data and pathways across CIB and <span class=\"_ _7\"></span>WRB portfolios. </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs15e\">While<span class=\"_ gs36\"> </span>we<span class=\"_ gs36\"> </span>have taken the first step in <span class=\"_ _7\"></span>our journey to transition from our reliance <span class=\"_ _7\"></span>on vendor models to in-house capabilities, </div><div class=\"t m0 h9 ff1 fs2 fc3 sc0 ls2 ws0 gs15f\">challenges underpin the scenario analysis, such as reliance on nascent methodologies, dependencies on first generation </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs160\">models and data limitations. Notwithstanding these <span class=\"_ _7\"></span>challenges, our work to date, using certain <span class=\"_ _7\"></span>assumptions and proxies, </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs161\">indicates that our business is resilient <span class=\"_ _7\"></span>to all Network of Central Banks and <span class=\"_ _7\"></span>Supervisors for Greening the Financial System </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs162\">(NGFS) scenarios that were explored.<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs163\">The Group, although acknowledging the limitations <span class=\"_ _7\"></span>of current data available, increasing sophistication of <span class=\"_ _7\"></span>models evolving </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs164\">and nascent nature of climate impacts <span class=\"_ _7\"></span>on internal and client assets, considers Climate <span class=\"_ _7\"></span>Risk to have limited quantitative </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs165\">impact in the immediate term, and <span class=\"_ _7\"></span>as a longer-term risk is expected to <span class=\"_ _7\"></span>be addressed through its business strategy <span class=\"_ _7\"></span>and </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs166\">financial planning as the Group implements <span class=\"_ _7\"></span>its net zero journey. Accordingly, the Group <span class=\"_ _7\"></span>does not currently anticipate any </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs167\">significant residual impact on its financial <span class=\"_ _7\"></span>position, performance or cashflows over the short, <span class=\"_ _7\"></span>medium or long term.<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs168\">While providing more detail would be <span class=\"_ _7\"></span>market sensitive, the Group current and anticipated <span class=\"_ _7\"></span>future performance of </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs169\">opportunities can be seen in the <span class=\"_ _7\"></span>progression of our Sustainable Finance mobilisation, assets <span class=\"_ _7\"></span>and liabilities, and revenue, </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs16a\">as<span class=\"_ gs36\"> </span>described within the Sustainability Review.<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h4 ff5 fs1 fc1 sc0 ls1 ws2 gs16b\">IFRS and <span class=\"_ _7\"></span>Hong Kong <span class=\"_ _7\"></span>accounting requirements<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs16c\">As required by the Hong Kong <span class=\"_ _7\"></span>Listing Rules, an explanation of the differences <span class=\"_ _7\"></span>in accounting practices between UK-adopted </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs16d\">international accounting standards and EU IFRS, <span class=\"_ _7\"></span>and Hong Kong Financial Reporting Standards is <span class=\"_ _7\"></span>required to be disclosed. </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs16e\">There would be no significant differences <span class=\"_ _7\"></span>had these accounts been prepared in accordance <span class=\"_ _7\"></span>with Hong Kong Financial </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs16f\">Reporting Standards.<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h4 ff5 fs1 fc1 sc0 ls1 ws2 gs170\">New accounting <span class=\"_ _7\"></span>standards adopted <span class=\"_ _7\"></span>by the <span class=\"_ _1b\"></span>Group<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs171\">There were no new accounting standards <span class=\"_ _7\"></span>or interpretations adopted by the Group that <span class=\"_ _7\"></span>had a material effect on the <span class=\"_ _7\"></span>Group\u2019s </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs172\">Financial Statements in 2025.<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h4 ff5 fs1 fc1 sc0 ls1 ws2 gs173\">IFRS 18 <span class=\"_ _7\"></span>Presentation and <span class=\"_ _7\"></span>Disclosure in <span class=\"_ _1b\"></span>Financial Statements<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs174\">The new standard IFRS 18 was <span class=\"_ _7\"></span>issued in April 2024 and is effective <span class=\"_ _7\"></span>for annual reporting periods beginning on <span class=\"_ _7\"></span>or after </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs175\">1 January 2027 but earlier application <span class=\"_ _7\"></span>is permitted. This new standard replaces IAS <span class=\"_ _7\"></span>1 Presentation of Financial Statements </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls16 ws15 gs176\">and amends IAS 7 <span class=\"_ _7\"></span>Statement of Cash Flows. <span class=\"_ _7\"></span>IFRS 18 introduces three <span class=\"_ _7\"></span>defined categories for income <span class=\"_ _7\"></span>and expenses \u2013 operating, </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs177\">investing and financing \u2013 to improve <span class=\"_ _7\"></span>the structure of the income statement, and <span class=\"_ _7\"></span>requires all companies to provide new </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs178\">defined subtotals, including operating profit. IFRS <span class=\"_ _7\"></span>18 will require disclosure of explanations of <span class=\"_ _7\"></span>company-specific measures </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs179\">that are related to the income <span class=\"_ _7\"></span>statement, referred to as management-defined performance measures. <span class=\"_ _7\"></span>IFRS 18 sets out </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs17a\">enhanced guidance on how to organise <span class=\"_ _7\"></span>information and whether to provide it in <span class=\"_ _7\"></span>the primary financial statements or in <span class=\"_ _7\"></span>the </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs17b\">notes. The Group will apply IFRS <span class=\"_ _7\"></span>18 for annual reporting periods beginning on <span class=\"_ _7\"></span>1 January 2027 and while the <span class=\"_ _7\"></span>Group assessment </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs17c\">remains ongoing, it is currently not <span class=\"_ _7\"></span>expected to have a material impact on <span class=\"_ _7\"></span>the Group\u2019s financial statements other than </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs17d\">changes in the presentation of the <span class=\"_ _7\"></span>primary statements.<span class=\"_ _3eb\"> </span></div>IFRS 9 <span class=\"_ _7\"></span>Financial Instruments <span class=\"_ _7\"></span>and IFRS <span class=\"_ _1b\"></span>7 Financial Instruments: Disclosures<span class=\"_ _3eb\"> </span>In May 2024, the IASB issued <span class=\"_ _7\"></span>Amendments to the Classification and Measurement of <span class=\"_ _7\"></span>Financial Instruments which amended requirements related to settling financial liabilities <span class=\"_ _7\"></span>using an electronic payment system and assessing <span class=\"_ _7\"></span>contractual cash flow characteristics of financial assets, including those <span class=\"_ _7\"></span>with environmental, social and governance (ESG)-linked features. <span class=\"_ _7\"></span>The IASB also amended disclosure requirements relating to investments in equity instruments designated at fair value through other comprehensive income and added disclosure requirements <span class=\"_ _7\"></span>for financial instruments with contingent features that <span class=\"_ _7\"></span>do not relate directly to basic lending risks <span class=\"_ _7\"></span>and costs. The amendments will be effective <span class=\"_ _7\"></span>for annual reporting periods beginning on or<span class=\"_ gs36\"> </span>after 1 January 2026. The amendments <span class=\"_ _7\"></span>are not expected to have a material <span class=\"_ _7\"></span>impact on the Group\u2019s financial statements.<span class=\"_ _3eb\"> </span>Going concern<span class=\"_ _3eb\"> </span>These financial statements were approved by <span class=\"_ _7\"></span>the Board of directors on 24 February <span class=\"_ _7\"></span>2026. The directors have made an<span class=\"_ gs36\"> </span>assessment of the Group\u2019s ability to <span class=\"_ _7\"></span>continue as a going concern. This assessment <span class=\"_ _7\"></span>has been made having considered the<span class=\"_ gs36\"> </span>current macroeconomic and geopolitical headwinds, including: <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">Review of the Group Strategy and Corporate Plan, including the annual budget.</span> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">An assessment of the actual performance to date, loan book quality, credit <span class=\"_ _7\"></span>impairment, legal and regulatory matters, </span>compliance matters, recent regulatory developments. <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">Consideration of stress testing performed, including the Group Recovery Plan (RP) which <span class=\"_ _7\"></span>include the application </span>of<span class=\"_ gs36\"> </span>stressed scenarios. Under the tests and <span class=\"_ _7\"></span>through the range of scenarios, the results <span class=\"_ _7\"></span>of these exercises and the RP demonstrate that the Group has sufficient <span class=\"_ _7\"></span>capital and liquidity to continue as a <span class=\"_ _7\"></span>going concern and meet minimum regulatory capital and liquidity requirements. <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">Analysis of the capital position of the Group, including the capital and <span class=\"_ _7\"></span>leverage ratios, and Internal Capital Adequacy </span>Assessment Process (ICAAP), which summarises the <span class=\"_ _7\"></span>Group\u2019s capital and risk assessment processes, assesses <span class=\"_ _7\"></span>its capital requirements and the adequacy of resources <span class=\"_ _7\"></span>to meet them. <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">Analysis of the funding and liquidity position of the Group, including the <span class=\"_ _7\"></span>Internal Liquidity Adequacy Assessment Process </span>(ILAAP), which considers the Group\u2019s liquidity <span class=\"_ _7\"></span>position, its framework and whether sufficient liquidity <span class=\"_ _7\"></span>resources are being maintained to meet liabilities as they <span class=\"_ _7\"></span>fall due, was also reviewed. Further, funding <span class=\"_ _7\"></span>and liquidity was considered in the context of the risk appetite metrics, <span class=\"_ _7\"></span>including the LCR ratio. <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">The level of debt in issue, including redemptions and issuances during the <span class=\"_ _7\"></span>year, debt falling due for repayment <span class=\"_ _7\"></span>in the next </span>12 months and further planned debt <span class=\"_ _7\"></span>issuances, including the appetite in the market <span class=\"_ _7\"></span>for the Group\u2019s debt <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">The Group\u2019s portfolio of debt securities held at amortised cost.</span> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">A detailed review of all principal risks as well as topical and <span class=\"_ _7\"></span>emerging risks.<span class=\"_ _3eb\"> </span></span>Based on the analysis performed, the <span class=\"_ _7\"></span>directors confirm they are satisfied that the <span class=\"_ _7\"></span>Group has adequate resources to continue in business for a period of <span class=\"_ _7\"></span>at least 12 months from 24 February <span class=\"_ _7\"></span>2026. For this reason, the Group continues <span class=\"_ _7\"></span>to adopt the going concern basis of <span class=\"_ _7\"></span>accounting for preparing the financial statements.<span class=\"_ _3eb\"> </span><div class=\"t m0 h4 ff5 fs1 fc1 sc0 ls1 ws2 gs1bb\">Accounting policy<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs1bc\">Interest income for financial assets held <span class=\"_ _7\"></span>at either fair value through other comprehensive <span class=\"_ _7\"></span>income or amortised cost, and </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls3b ws41 gs1bd\">interest expense <span class=\"_ _1b\"></span>on all financial <span class=\"_ _7\"></span>liabilities held <span class=\"_ _1b\"></span>at amortised cost <span class=\"_ _7\"></span>is recognised <span class=\"_ _1b\"></span>in profit or <span class=\"_ _7\"></span>loss using <span class=\"_ _1b\"></span>the effective interest <span class=\"_ _7\"></span>method.<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h9 ff1 fs2 fc3 sc0 ls2 ws0 gs1be\">The effective interest rate is the rate that discounts estimated future cash payments or receipts through the expected life of </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs1bf\">the financial instrument or, when appropriate, <span class=\"_ _7\"></span>a shorter period, to the net carrying <span class=\"_ _7\"></span>amount of the financial asset or <span class=\"_ _7\"></span>financial </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs1c0\">liability. When calculating the effective interest <span class=\"_ _7\"></span>rate, the Group estimates cash flows considering <span class=\"_ _7\"></span>all contractual terms of the </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs1c1\">financial instrument (for example prepayment options) <span class=\"_ _7\"></span>but does not consider future credit losses. <span class=\"_ _7\"></span>The calculation includes all </div><div class=\"t m0 h9 ff1 fs2 fc3 sc0 ls2 ws0 gs1c2\">fees paid or received between parties to the contract that are an integral part of the effective interest rate, transaction costs </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs1c3\">and all other premiums or discounts. <span class=\"_ _7\"></span>For floating-rate financial instruments, periodic re-estimation of <span class=\"_ _7\"></span>cash flows that reflect </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs1c4\">the movements in the market rates <span class=\"_ _7\"></span>of interest alters the effective interest rate. <span class=\"_ _7\"></span>Where the estimates of cash flows <span class=\"_ _7\"></span>have been </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs1c5\">revised, the carrying amount of the <span class=\"_ _7\"></span>financial asset or liability is adjusted to <span class=\"_ _7\"></span>reflect the actual and revised cash <span class=\"_ _7\"></span>flows, </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs1c6\">discounted at the instruments original effective <span class=\"_ _7\"></span>interest rate. The adjustment is recognised as <span class=\"_ _7\"></span>interest income or expense </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs1c7\">in<span class=\"_ gs36\"> </span>the period in which the revision <span class=\"_ _7\"></span>is made as long as the change <span class=\"_ _7\"></span>in estimates is not due to <span class=\"_ _7\"></span>credit issues.<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs1c8\">Interest income for financial assets that <span class=\"_ _7\"></span>are either held at fair value through <span class=\"_ _7\"></span>other comprehensive income or amortised </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs1c9\">cost<span class=\"_ gs36\"> </span>that have become credit-impaired subsequent to <span class=\"_ _7\"></span>initial recognition (stage 3) and have had <span class=\"_ _7\"></span>amounts written off, </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs1ca\">is<span class=\"_ gs36\"> </span>recognised using the credit adjusted effective <span class=\"_ _7\"></span>interest rate. This rate is calculated in <span class=\"_ _7\"></span>the same manner as the effective </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs1cb\">interest rate except that expected credit <span class=\"_ _7\"></span>losses are included in the expected cash <span class=\"_ _7\"></span>flows. Interest income is therefore </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs1cc\">recognised on the amortised cost of <span class=\"_ _7\"></span>the financial asset including expected credit losses. <span class=\"_ _7\"></span>Should the credit risk on a <span class=\"_ _7\"></span>stage 3 </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs1cd\">financial asset improve such that the <span class=\"_ _7\"></span>financial asset is no longer considered credit-impaired, <span class=\"_ _7\"></span>interest income recognition </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs1ce\">reverts to a computation based on <span class=\"_ _7\"></span>the rehabilitated gross carrying value of the <span class=\"_ _7\"></span>financial asset.<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h4 ff5 fs1 fc1 sc0 ls1 ws2 gs1d0\">Accounting policy<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs1d1\">The Group can act as trustee <span class=\"_ _7\"></span>or in other Fiduciary capacities that result <span class=\"_ _7\"></span>in the holding or placing of <span class=\"_ _7\"></span>assets on behalf of </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs1d2\">individuals, trusts, retirement benefit plans and <span class=\"_ _7\"></span>other institutions. The assets and income arising <span class=\"_ _7\"></span>thereon are excluded from </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs1d3\">these financial statements, as they are <span class=\"_ _7\"></span>not assets and income of the Group.<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h4 ff5 fs1 fc1 sc0 ls1 ws2 gs1e3\">Accounting policy<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs1e4\">Gains and losses arising from changes <span class=\"_ _7\"></span>in the fair value of financial instruments <span class=\"_ _7\"></span>held at fair value through profit <span class=\"_ _7\"></span>or loss are </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs1e5\">recorded in net trading income in <span class=\"_ _7\"></span>the period in which they arise. This <span class=\"_ _7\"></span>includes contractual interest receivable or payable. </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs1e6\">When the initial fair value of <span class=\"_ _7\"></span>a financial instrument held at fair value <span class=\"_ _7\"></span>through profit or loss relies on <span class=\"_ _7\"></span>unobservable inputs, the </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs1e7\">difference between the initial valuation and <span class=\"_ _7\"></span>the transaction price is amortised to net <span class=\"_ _7\"></span>trading income as the inputs become </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs1e8\">observable or over the life of <span class=\"_ _7\"></span>the instrument, whichever is shorter. Any unamortised <span class=\"_ _7\"></span>\u2018day one\u2019 gain is released to <span class=\"_ _7\"></span>net trading </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs1e9\">income if the transaction is terminated.<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs1ea\">Income is recognised from the sale <span class=\"_ _7\"></span>and purchase of trading positions, margins on <span class=\"_ _7\"></span>market making and customer business and </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs1eb\">fair value changes.<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h4 ff5 fs1 fc1 sc0 ls1 ws2 gs215\">Accounting policy<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h27 ff8 fs16 fc1 sc0 ls1f ws1e gs216\">Significant accounting <span class=\"_ _7\"></span>estimates and <span class=\"_ _7\"></span>judgements </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs217\">The Group\u2019s expected credit loss (ECL) <span class=\"_ _7\"></span>calculations are outputs of complex models with <span class=\"_ _7\"></span>a number of underlying assumptions. </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs218\">The significant judgements in determining expected <span class=\"_ _7\"></span>credit loss include:</div><div class=\"t m0 h5 ff1 fs2 fc3 sc0 ls0 ws0 gs219\"> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">The Group\u2019s criteria for assessing if there has been a significant increase <span class=\"_ _7\"></span>in credit risk; </span></div><div class=\"t m0 h5 ff1 fs2 fc3 sc0 ls0 ws0 gs21a\"> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">Development of expected credit loss models, including the choice of inputs relating <span class=\"_ _7\"></span>to macroeconomic variables;</span></div><div class=\"t m0 h5 ff1 fs2 fc3 sc0 ls0 ws0 gs21b\"> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">Determining estimates of forward looking macroeconomic forecasts;</span></div><div class=\"t m0 h5 ff1 fs2 fc3 sc0 ls0 ws0 gs21c\"> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">Evaluation of management overlays and post-model adjustments;</span></div><div class=\"t m0 h5 ff1 fs2 fc3 sc0 ls0 ws0 gs21d\"> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">Determination of recovery scenarios and probability weightings for Stage 3 individually assessed <span class=\"_ _7\"></span>provisions.<span class=\"_ _3eb\"> </span></span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs21e\">The calculation of credit impairment provisions <span class=\"_ _7\"></span>also involves expert credit judgement to be <span class=\"_ _7\"></span>applied by the credit risk </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs21f\">management team based upon counterparty information <span class=\"_ _7\"></span>they receive from various sources including relationship <span class=\"_ _7\"></span>managers </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs220\">and on external market information. Details <span class=\"_ _7\"></span>on the approach for determining expected credit <span class=\"_ _7\"></span>loss can be found in the <span class=\"_ _7\"></span>credit </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs221\">risk section, under IFRS 9 Methodology <span class=\"_ _7\"></span>(see page 264).<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs222\">Estimates of forecasts of key macroeconomic <span class=\"_ _7\"></span>variables underlying the expected credit loss calculation <span class=\"_ _7\"></span>can be found within </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs223\">the Risk review, Key assumptions and <span class=\"_ _7\"></span>judgements in determining expected credit loss.<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h27 ff8 fs16 fc1 sc0 ls1f ws1e gs224\">Expected credit <span class=\"_ _7\"></span>losses<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs225\">An ECL represents the present value <span class=\"_ _7\"></span>of expected cash shortfalls over the residual <span class=\"_ _7\"></span>term of a financial asset, undrawn </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs226\">commitment or financial guarantee. </div><div class=\"t m0 h9 ff1 fs2 fc3 sc0 ls2 ws0 gs227\">A cash shortfall is the difference between the cash flows that are due in accordance with the contractual terms of the </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs228\">instrument and the cash flows that <span class=\"_ _7\"></span>the Group expects to receive over the <span class=\"_ _7\"></span>contractual life of the instrument.<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h27 ff8 fs16 fc1 sc0 ls1f ws1e gs229\">Measurement<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs22a\">ECL are computed as unbiased, probability-weighted <span class=\"_ _7\"></span>amounts which are determined by evaluating a <span class=\"_ _7\"></span>range of reasonably </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs22b\">possible outcomes, the time value of <span class=\"_ _7\"></span>money, and considering all reasonable and supportable <span class=\"_ _7\"></span>information including that </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs22c\">which is forward-looking. </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs22d\">For material portfolios, the estimate of <span class=\"_ _7\"></span>expected cash shortfalls is determined by multiplying <span class=\"_ _7\"></span>the probability of default (PD) </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs22e\">with the loss given default (LGD) <span class=\"_ _7\"></span>with the expected exposure at the time <span class=\"_ _7\"></span>of default (EAD). There may be <span class=\"_ _7\"></span>multiple default </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs22f\">events over the lifetime of an <span class=\"_ _7\"></span>instrument. Further details on the components of <span class=\"_ _7\"></span>PD, LGD and EAD are disclosed <span class=\"_ _7\"></span>in the Credit </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs230\">risk section. For less material loan <span class=\"_ _7\"></span>portfolios, the Group has adopted less sophisticated <span class=\"_ _7\"></span>approaches based on historical roll </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs231\">rates or loss rates. </div><div class=\"t m0 h9 ff1 fs2 fc3 sc0 ls2 ws0 gs232\">Forward-looking economic assumptions are incorporated into the PD, LGD and EAD where relevant and where they </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs233\">influence credit risk, such as GDP <span class=\"_ _7\"></span>growth rates, interest rates, house price indices <span class=\"_ _7\"></span>and commodity prices among others. </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs234\">These<span class=\"_ gs36\"> </span>assumptions are incorporated using the Group\u2019s <span class=\"_ _7\"></span>most likely forecast for a range of <span class=\"_ _7\"></span>macroeconomic assumptions. </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs235\">These forecasts are determined using all <span class=\"_ _7\"></span>reasonable and supportable information, which includes both <span class=\"_ _7\"></span>internally developed </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs236\">forecasts and those available externally, and <span class=\"_ _7\"></span>are consistent with those used for budgeting, <span class=\"_ _7\"></span>forecasting and capital planning. </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs237\">To account for the potential non-linearity <span class=\"_ _7\"></span>in credit losses, multiple forward-looking scenarios are <span class=\"_ _7\"></span>incorporated into the range </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs238\">of reasonably possible outcomes for all <span class=\"_ _7\"></span>material portfolios. For example, where there is <span class=\"_ _7\"></span>a greater risk of downside credit </div><div class=\"t m0 h9 ff1 fs2 fc3 sc0 ls2 ws0 gs239\">losses than upside gains, multiple forward-looking economic scenarios are incorporated into the range of reasonably </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs23a\">possible outcomes, both in respect of <span class=\"_ _7\"></span>determining the PD (and where relevant, the <span class=\"_ _7\"></span>LGD and EAD) and in determining </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs23b\">the<span class=\"_ gs36\"> </span>overall ECL amounts. These scenarios are <span class=\"_ _7\"></span>determined using a Monte Carlo approach centred <span class=\"_ _7\"></span>around the Group\u2019s most </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs23c\">likely forecast of macroeconomic assumptions.<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs23d\">The period over which cash shortfalls <span class=\"_ _7\"></span>are determined is generally limited to the <span class=\"_ _7\"></span>maximum contractual period for which </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs23e\">the<span class=\"_ gs36\"> </span>Group is exposed to credit risk. <span class=\"_ _7\"></span>However, for certain revolving credit facilities, which <span class=\"_ _7\"></span>include credit cards or overdrafts, </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs23f\">the<span class=\"_ gs36\"> </span>Group\u2019s exposure to credit risk is <span class=\"_ _7\"></span>not limited to the contractual period. For <span class=\"_ _7\"></span>these instruments, the Group estimates </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs240\">an<span class=\"_ gs36\"> </span>appropriate life based on the period <span class=\"_ _7\"></span>that the Group is exposed to credit <span class=\"_ _7\"></span>risk, which includes the effect of <span class=\"_ _7\"></span>credit risk </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs241\">management actions such as the withdrawal <span class=\"_ _7\"></span>of undrawn facilities.<span class=\"_ _3eb\"> </span></div><div class=\"t m1 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs243\">For credit-impaired financial instruments, the estimate <span class=\"_ _7\"></span>of cash shortfalls may require the use <span class=\"_ _7\"></span>of expert credit judgement. </div><div class=\"t m1 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs244\">The estimate of expected cash shortfalls <span class=\"_ _7\"></span>on a collateralised financial instrument reflects the <span class=\"_ _7\"></span>amount and timing of cash </div><div class=\"t m1 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs245\">flows that are expected from foreclosure <span class=\"_ _7\"></span>on the collateral less the costs of <span class=\"_ _7\"></span>obtaining and selling the collateral, regardless </div><div class=\"t m1 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs246\">of<span class=\"_ gs36\"> </span>whether foreclosure is deemed probable.<span class=\"_ _3eb\"> </span></div><div class=\"t m1 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs247\">Cash flows from unfunded credit enhancements <span class=\"_ _7\"></span>held are included within the measurement of <span class=\"_ _7\"></span>expected credit losses </div><div class=\"t m1 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs248\">if<span class=\"_ gs36\"> </span>they<span class=\"_ gs36\"> </span>are part of, or integral to, <span class=\"_ _7\"></span>the contractual terms of the instrument (this <span class=\"_ _7\"></span>includes financial guarantees, unfunded </div><div class=\"t m1 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs249\">risk<span class=\"_ gs36\"> </span>participations and other non-derivative credit insurance). <span class=\"_ _7\"></span>Although non-integral credit enhancements do not impact </div><div class=\"t m1 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs24a\">the<span class=\"_ gs36\"> </span>measurement of expected credit losses, a <span class=\"_ _7\"></span>reimbursement asset is recognised to the extent <span class=\"_ _7\"></span>of the ECL recorded if this <span class=\"_ _7\"></span>is </div><div class=\"t m1 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs24b\">virtually certain to be received.<span class=\"_ _3eb\"> </span></div><div class=\"t m1 h9 ff1 fs2 fc3 sc0 ls2 ws0 gs24c\">Cash shortfalls are discounted using the effective interest rate (or credit-adjusted effective interest rate for purchased </div><div class=\"t m1 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs24d\">or<span class=\"_ gs36\"> </span>originated credit-impaired instruments (POCI)) on the <span class=\"_ _7\"></span>financial instrument as calculated at initial recognition <span class=\"_ _7\"></span>or if the </div><div class=\"t m1 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs24e\">instrument has a variable interest rate, <span class=\"_ _7\"></span>the current effective interest rate determined under <span class=\"_ _7\"></span>the contract.<span class=\"_ _3eb\"> </span></div><div class=\"gs24f\"><table class=\"s w3f8 h22c\" id=\"_a32453d7-0dd5-4236-a911-a640fe365d98\"><tr><td class=\"c n x1ee y6666 w3f9 h205\"><div class=\"t m1 x1ed h2c y65c7 ff1 fs17 fc3 sc0 ls21 ws20\">Instruments<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7f1 y6666 w3fa h215\"><div class=\"t m1 x1ed h2c y65c7 ff4 fs17 fc3 sc0 ls21 ws20\">Location of expected credit loss provisions<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6610 w3fb h203\"><div class=\"t m1 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Financial assets held at amortised cost<span class=\"_ _3eb\"> </span></div></td><td class=\"c x7f3 y6610 w3fc h203\"><div class=\"t m1 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Loss provisions: netted against gross carrying value</div><div class=\"t m1 x7f2 h3c y660d ff1 fs1b fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6577 w3fd h203\"><div class=\"t m1 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Financial assets held FVOCI \u2013 Debt instruments<span class=\"_ _3eb\"> </span></div></td><td class=\"c x7f5 y6577 w3fe h203\"><div class=\"t m1 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Other comprehensive income (FVOCI expected credit loss <span class=\"_ _7\"></span>reserve)</div><div class=\"t m1 x7f4 h3c y660d ff1 fs1b fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6566 w3ff h200\"><div class=\"t m1 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Loan commitments<span class=\"_ _3eb\"> </span></div></td><td class=\"c x7f7 y6566 w400 h203\"><div class=\"t m1 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Provisions for liabilities and charges</div><div class=\"t m1 x7f6 h3c y660d ff1 fs1b fc3 sc0 ls0 ws0\">3<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6567 w401 h203\"><div class=\"t m1 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Financial guarantees<span class=\"_ _3eb\"> </span></div></td><td class=\"c x7f9 y6567 w402 h203\"><div class=\"t m1 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Provisions for liabilities and charges</div><div class=\"t m1 x7f8 h3c y65df ff1 fs1b fc3 sc0 ls0 ws0\">3<span class=\"_ _3eb\"> </span></div></td></tr></table></div><div class=\"t m1 hb ff1 fs7 fc3 sc0 ls7 ws7 gs250\">1 <span class=\"_ _b\"> </span><span class=\"ff4\">Purchased or originated credit-impaired assets do not attract an expected credit loss provision <span class=\"_ _7\"></span>on initial recognition. An expected credit loss provision <span class=\"_ _7\"></span>will be </span></div><div class=\"t m1 hb ff4 fs7 fc3 sc0 ls7 ws7 gs251\">recognised only if there is an increase in <span class=\"_ _7\"></span>expected credit losses from that considered at initial <span class=\"_ _7\"></span>recognition.<span class=\"_ _3eb\"> </span></div><div class=\"t m1 hb ff1 fs7 fc3 sc0 ls7 ws7 gs252\">2 <span class=\"_ _f\"> </span><span class=\"ff4\">Debt and treasury securities classified as fair value through other comprehensive income <span class=\"_ _7\"></span>(FVOCI) are held at fair value on the <span class=\"_ _7\"></span>face of the balance sheet. </span></div><div class=\"t m1 hb ff4 fs7 fc3 sc0 ls7 ws7 gs253\">The<span class=\"_ gs1a2\"> </span>expected credit loss attributed to these instruments is <span class=\"_ _7\"></span>held as a separate reserve within other comprehensive <span class=\"_ _7\"></span>income (OCI) and is recycled to the profit </div><div class=\"t m1 hb ff4 fs7 fc3 sc0 ls7 ws7 gs254\">and<span class=\"_ gs1a2\"> </span>loss account along with any fair value measurement <span class=\"_ _7\"></span>gains or losses held within FVOCI when the <span class=\"_ _7\"></span>applicable instruments are derecognised.<span class=\"_ _3eb\"> </span></div><div class=\"t m1 hb ff1 fs7 fc3 sc0 ls7 ws7 gs255\">3 <span class=\"_ _f\"> </span><span class=\"ff4\">Expected credit loss on loan commitments and financial guarantees is recognised as a <span class=\"_ _7\"></span>liability provision. Where a financial instrument includes both <span class=\"_ _7\"></span>a loan </span></div><div class=\"t m1 hb ff4 fs7 fc3 sc0 ls7 ws7 gs256\">(i.e.<span class=\"_ gs1a2\"> </span>financial asset component) and an undrawn commitment (i.e. <span class=\"_ _7\"></span>loan commitment component), and it is not possible <span class=\"_ _7\"></span>to separately identify the expected </div><div class=\"t m1 hba ff1 fs7 fc3 sc0 ls7 ws0 gs257\">credit loss on these components, expected credit loss amounts on the loan commitment are recognised together with expected credit loss amounts on </div><div class=\"t m1 hb ff4 fs7 fc3 sc0 ls7 ws7 gs258\">the<span class=\"_ gs1a2\"> </span>financial asset. To<span class=\"_ gs1a2\"> </span>the extent the combined expected credit <span class=\"_ _7\"></span>loss exceeds the gross carrying amount of the <span class=\"_ _7\"></span>financial asset, the expected credit loss </div><div class=\"t m1 hb ff4 fs7 fc3 sc0 ls7 ws7 gs259\">is<span class=\"_ gs1a2\"> </span>recognised<span class=\"_ gs1a2\"> </span>as a liability provision.<span class=\"_ _3eb\"> </span></div><div class=\"t m1 h27 ff8 fs16 fc1 sc0 ls1f ws1e gs25a\">Recognition<span class=\"_ _3eb\"> </span></div><div class=\"t m1 h27 ff8 fs16 fc1 sc0 ls1f ws1e gs25b\">12 months <span class=\"_ _7\"></span>expected credit <span class=\"_ _7\"></span>losses (Stage <span class=\"_ _7\"></span>1)<span class=\"_ _3eb\"> </span></div><div class=\"t m1 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs25c\">Expected credit losses are recognised at <span class=\"_ _7\"></span>the time of initial recognition of a <span class=\"_ _7\"></span>financial instrument and represent the lifetime </div><div class=\"t m1 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs25d\">cash shortfalls arising from possible default <span class=\"_ _7\"></span>events up to 12 months into the <span class=\"_ _7\"></span>future from the balance sheet date. <span class=\"_ _7\"></span>Expected </div><div class=\"t m1 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs25e\">credit losses continue to be determined <span class=\"_ _7\"></span>on this basis until there is either <span class=\"_ _7\"></span>a significant increase in the credit <span class=\"_ _7\"></span>risk of an </div><div class=\"t m1 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs25f\">instrument or the instrument becomes credit-impaired. <span class=\"_ _7\"></span>If an instrument is no longer considered <span class=\"_ _7\"></span>to exhibit a significant </div><div class=\"t m1 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs260\">increase in credit risk, expected credit <span class=\"_ _7\"></span>losses will revert to being determined on <span class=\"_ _7\"></span>a 12-month basis.<span class=\"_ _3eb\"> </span></div><div class=\"t m1 h27 ff8 fs16 fc1 sc0 ls1f ws1e gs261\">Significant increase <span class=\"_ _7\"></span>in credit <span class=\"_ _7\"></span>risk (Stage <span class=\"_ _7\"></span>2)<span class=\"_ _3eb\"> </span></div><div class=\"t m1 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs262\">Significant increase in credit risk is <span class=\"_ _7\"></span>assessed by comparing the risk of default <span class=\"_ _7\"></span>of an exposure at the reporting <span class=\"_ _7\"></span>date to the risk </div><div class=\"t m1 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs263\">of default at origination (after taking <span class=\"_ _7\"></span>into account the passage of time). Significant <span class=\"_ _7\"></span>does not mean statistically significant </div><div class=\"t m1 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs264\">nor is it assessed in the <span class=\"_ _7\"></span>context of changes in expected credit loss. <span class=\"_ _7\"></span>Whether a change in the risk <span class=\"_ _7\"></span>of default is significant or not </div><div class=\"t m1 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs265\">is assessed using a number of <span class=\"_ _7\"></span>quantitative and qualitative factors, the weight of <span class=\"_ _7\"></span>which depends on the type of <span class=\"_ _7\"></span>product and </div><div class=\"t m1 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs266\">counterparty. Financial assets that are 30 <span class=\"_ _7\"></span>or more days past due and not <span class=\"_ _7\"></span>credit-impaired will always be considered to <span class=\"_ _7\"></span>have </div><div class=\"t m1 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs267\">experienced a significant increase in credit <span class=\"_ _7\"></span>risk. For less material portfolios where a <span class=\"_ _7\"></span>loss rate or roll rate approach <span class=\"_ _7\"></span>is applied </div><div class=\"t m1 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs268\">to<span class=\"_ gs36\"> </span>compute expected credit loss, significant increase <span class=\"_ _7\"></span>in credit risk is primarily based on <span class=\"_ _7\"></span>30 days past due.<span class=\"_ _3eb\"> </span></div><div class=\"t m1 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs269\">Quantitative factors include an assessment of <span class=\"_ _7\"></span>whether there has been significant increase in <span class=\"_ _7\"></span>the forward-looking probability </div><div class=\"t m1 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs26a\">of default (PD) since origination. A <span class=\"_ _7\"></span>forward-looking PD is one that is adjusted <span class=\"_ _7\"></span>for future economic conditions to the <span class=\"_ _7\"></span>extent </div><div class=\"t m1 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs26b\">these are correlated to changes in <span class=\"_ _7\"></span>credit risk. We compare the residual lifetime <span class=\"_ _7\"></span>PD at the balance sheet date <span class=\"_ _7\"></span>to the residual </div><div class=\"t m1 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs26c\">lifetime PD that was expected at <span class=\"_ _7\"></span>the time of origination for the same <span class=\"_ _7\"></span>point in the term structure and <span class=\"_ _7\"></span>determine whether both </div><div class=\"t m1 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs26d\">the absolute and relative change between <span class=\"_ _7\"></span>the two exceeds predetermined thresholds. To the <span class=\"_ _7\"></span>extent that the differences </div><div class=\"t m1 h9 ff1 fs2 fc3 sc0 ls2 ws0 gs26e\">between the measures of default outlined exceed the defined thresholds, the instrument is considered to have experienced </div><div class=\"t m1 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs26f\">a<span class=\"_ gs36\"> </span>significant increase in credit risk.<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs271\">Qualitative factors assessed include those linked <span class=\"_ _7\"></span>to current credit risk management processes, such <span class=\"_ _7\"></span>as lending placed </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs272\">on<span class=\"_ gs36\"> </span>non-purely precautionary early alert (and subject <span class=\"_ _7\"></span>to closer monitoring).<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs273\">A non-purely precautionary early alert account <span class=\"_ _7\"></span>is one which exhibits material credit concerns <span class=\"_ _7\"></span>which may result in a default </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs274\">by<span class=\"_ gs36\"> </span>the client if left unaddressed, requiring <span class=\"_ _7\"></span>closer monitoring, supervision, or attention by management. <span class=\"_ _7\"></span>Indicators could </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs275\">include a rapid erosion of position <span class=\"_ _7\"></span>within the industry, concerns over management\u2019s ability <span class=\"_ _7\"></span>to manage operations, weak/<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs276\">deteriorating operating results, liquidity strain and <span class=\"_ _7\"></span>overdue balances among other factors.<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h27 ff8 fs16 fc1 sc0 ls1f ws1e gs277\">Credit-impaired (or <span class=\"_ _7\"></span>defaulted) exposures <span class=\"_ _7\"></span>(Stage 3)<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs278\">Financial assets that are credit-impaired (or <span class=\"_ _7\"></span>in default) represent those that are at <span class=\"_ _7\"></span>least 90 days past due in <span class=\"_ _7\"></span>respect of </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs279\">principal and/or interest. Financial assets are <span class=\"_ _7\"></span>also considered to be credit-impaired where the <span class=\"_ _7\"></span>obligors are unlikely to pay </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs27a\">on<span class=\"_ gs36\"> </span>the occurrence of one or more <span class=\"_ _7\"></span>observable events that have a detrimental impact <span class=\"_ _7\"></span>on the estimated future cash flows </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs27b\">of<span class=\"_ gs36\"> </span>the financial asset. It may not <span class=\"_ _7\"></span>be possible to identify a single discrete <span class=\"_ _7\"></span>event but instead the combined effect <span class=\"_ _7\"></span>of several </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs27c\">events may cause financial assets to <span class=\"_ _7\"></span>become credit-impaired.<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs27d\">Evidence that a financial asset is <span class=\"_ _7\"></span>credit-impaired includes observable data about the following <span class=\"_ _7\"></span>events:</div><div class=\"t m0 h5 ff1 fs2 fc3 sc0 ls0 ws0 gs27e\"> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">Significant financial difficulty of the issuer or borrower;</span></div><div class=\"t m0 h5 ff1 fs2 fc3 sc0 ls0 ws0 gs27f\"> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">Breach of contract such as default or a past due event;</span></div><div class=\"t m0 h5 ff1 fs2 fc3 sc0 ls0 ws0 gs280\"> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">For economic or contractual reasons relating to the borrower\u2019s financial difficulty, the <span class=\"_ _7\"></span>lenders of the borrower have </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs281\">granted the borrower concession(s) that lenders <span class=\"_ _7\"></span>would not otherwise consider. This would include <span class=\"_ _7\"></span>forbearance actions; </div><div class=\"t m0 h5 ff1 fs2 fc3 sc0 ls0 ws0 gs282\"> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">Pending or actual bankruptcy or other financial reorganisation to avoid or delay <span class=\"_ _7\"></span>discharge of the borrower\u2019s obligation(s);</span></div><div class=\"t m0 h5 ff1 fs2 fc3 sc0 ls0 ws0 gs283\"> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">The disappearance of an active market for the applicable financial asset due <span class=\"_ _7\"></span>to financial difficulties of the borrower;</span></div><div class=\"t m0 h5 ff1 fs2 fc3 sc0 ls0 ws0 gs284\"> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">Purchase or origination of a financial asset at a deep discount that <span class=\"_ _7\"></span>reflects incurred credit losses.<span class=\"_ _3eb\"> </span></span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs285\">Lending commitments to a credit-impaired obligor <span class=\"_ _7\"></span>that have not yet been drawn down <span class=\"_ _7\"></span>are included to the extent that <span class=\"_ _7\"></span>the </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs286\">commitment cannot be withdrawn. Loss provisions <span class=\"_ _7\"></span>against credit-impaired financial assets are determined based <span class=\"_ _7\"></span>on an </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs287\">assessment of the present value of <span class=\"_ _7\"></span>expected cash shortfalls (discounted at the instrument\u2019s <span class=\"_ _7\"></span>original effective interest rate) </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs288\">under a range of scenarios, including <span class=\"_ _7\"></span>the realisation of any collateral held where <span class=\"_ _7\"></span>appropriate. The Group\u2019s definition of </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs289\">default is aligned with the regulatory <span class=\"_ _7\"></span>definition of default as set out in <span class=\"_ _7\"></span>the UK\u2019s onshored capital requirements regulations </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs28a\">(Art 178).<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h27 ff8 fs16 fc1 sc0 ls1f ws1e gs28b\">Expert credit <span class=\"_ _7\"></span>judgement<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h9 ff1 fs2 fc3 sc0 ls2 ws0 gs28c\">For Corporate &amp; Investment banking and Private banking, borrowers are graded by credit risk management on a credit </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs28d\">grading (CG) scale from CG1 to <span class=\"_ _7\"></span>CG14. Once a borrower starts to exhibit <span class=\"_ _7\"></span>credit deterioration, it will move along <span class=\"_ _7\"></span>the credit </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs28e\">grading scale in the performing book. <span class=\"_ _7\"></span>When a borrower is classified as CG12 <span class=\"_ _7\"></span>(which is the lowest performing book <span class=\"_ _7\"></span>and </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs28f\">credit<span class=\"_ gs36\"> </span>grade and is a qualitative trigger <span class=\"_ _7\"></span>for significant increase in credit risk (see <span class=\"_ _7\"></span>page 275) it will continue to <span class=\"_ _7\"></span>be primarily </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs290\">managed by relationship managers in the <span class=\"_ _7\"></span>CIB unit with support from Stressed Asset <span class=\"_ _7\"></span>Group (SAG) for certain accounts. SAG </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs291\">is<span class=\"_ gs36\"> </span>the Group\u2019s specialist recovery unit, which <span class=\"_ _7\"></span>is independent of the Client Coverage/Relationship Managers.<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs292\">Borrowers graded CG12 exhibit well-defined weaknesses <span class=\"_ _7\"></span>in areas such as management and/or performance <span class=\"_ _7\"></span>but there is </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs293\">no<span class=\"_ gs36\"> </span>current expectation of a loss of <span class=\"_ _7\"></span>principal or interest at this stage and <span class=\"_ _7\"></span>there is no indication of unlikeliness <span class=\"_ _7\"></span>to repay (it is still </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs294\">a performing asset). Where the impairment <span class=\"_ _7\"></span>assessment indicates that there will be a <span class=\"_ _7\"></span>loss of principal on a loan <span class=\"_ _7\"></span>in the likely </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs295\">scenario, the borrower is graded a <span class=\"_ _7\"></span>CG14 while borrowers of other credit-impaired loans <span class=\"_ _7\"></span>are graded CG13. Instruments graded </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs296\">CG13 or CG14 are regarded as <span class=\"_ _7\"></span>stage 3.<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs297\">Credit-impaired accounts are managed by SAG. <span class=\"_ _7\"></span>Where a portion of exposure is considered <span class=\"_ _7\"></span>not recoverable, a stage 3 </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs298\">credit<span class=\"_ gs36\"> </span>impairment provision is raised. This stage <span class=\"_ _7\"></span>3 provision is the difference between the <span class=\"_ _7\"></span>loan-carrying amount and the </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs299\">probability-weighted present value of estimated future <span class=\"_ _7\"></span>cash flows, reflecting a range of scenarios <span class=\"_ _7\"></span>(typically the \u2018upside\u2019, </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs29a\">\u2018downside\u2019 and \u2018likely\u2019 recovery outcomes). Where <span class=\"_ _7\"></span>the exposure is secured by collateral, the <span class=\"_ _7\"></span>values used will incorporate the </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs29b\">impact of forward-looking economic information on <span class=\"_ _7\"></span>the value recoverable collateral and time to <span class=\"_ _7\"></span>realise the same. </div><div class=\"t m1 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs29d\">The individual circumstances of each client <span class=\"_ _7\"></span>are considered when SAG estimates future cashflows <span class=\"_ _7\"></span>and the timing of future </div><div class=\"t m1 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs29e\">recoveries which involves significant judgement. All <span class=\"_ _7\"></span>available sources, such as cash flow arising <span class=\"_ _7\"></span>from operations, selling </div><div class=\"t m1 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs29f\">assets<span class=\"_ gs36\"> </span>or subsidiaries, realising collateral or payments <span class=\"_ _7\"></span>under guarantees, are considered. In any decision <span class=\"_ _7\"></span>relating to the </div><div class=\"t m1 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs2a0\">raising of<span class=\"_ gs36\"> </span>provisions, the Group attempts to <span class=\"_ _7\"></span>balance economic conditions, local knowledge and experience, <span class=\"_ _7\"></span>and the results </div><div class=\"t m1 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs2a1\">of<span class=\"_ gs36\"> </span>independent asset reviews. The individual impairment <span class=\"_ _7\"></span>provisions (viz. those not directly from a <span class=\"_ _7\"></span>model) are approved </div><div class=\"t m1 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs2a2\">by<span class=\"_ gs36\"> </span>Stressed Assets Risk (SAR) who are <span class=\"_ _7\"></span>in the Second Line of Defence.<span class=\"_ _3eb\"> </span></div><div class=\"t m1 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs2a3\">For financial assets which are not <span class=\"_ _7\"></span>individually significant, such as the Retail Banking <span class=\"_ _7\"></span>portfolio or small business loans, which </div><div class=\"t m1 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs2a4\">comprise a large number of homogeneous <span class=\"_ _7\"></span>loans that share similar characteristics, statistical estimates <span class=\"_ _7\"></span>and techniques are </div><div class=\"t m1 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs2a5\">used, as well as credit scoring <span class=\"_ _7\"></span>analysis.<span class=\"_ _3eb\"> </span></div><div class=\"t m1 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs2a6\">Wealth, Retail and Business Banking clients <span class=\"_ _7\"></span>are considered credit-impaired where they are more <span class=\"_ _7\"></span>90 days past due, or if <span class=\"_ _7\"></span>the </div><div class=\"t m1 h9 ff1 fs2 fc3 sc0 ls2 ws0 gs2a7\">borrower files for bankruptcy or other forbearance programme, the borrower is deceased or the business is closed in the case </div><div class=\"t m1 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs2a8\">of a small business, or if <span class=\"_ _7\"></span>the borrower surrenders the collateral, or there <span class=\"_ _7\"></span>is an identified fraud on the <span class=\"_ _7\"></span>account. Additionally, </div><div class=\"t m1 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs2a9\">if<span class=\"_ gs36\"> </span>the account is unsecured and the <span class=\"_ _7\"></span>borrower has other credit accounts with the <span class=\"_ _7\"></span>Group that are considered credit-impaired, </div><div class=\"t m1 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs2aa\">the account may also be credit-impaired.<span class=\"_ _3eb\"> </span></div><div class=\"t m1 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs2ab\">Techniques used to compute impairment amounts <span class=\"_ _7\"></span>use models which analyse historical repayment and <span class=\"_ _7\"></span>default rates over </div><div class=\"t m1 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs2ac\">a<span class=\"_ gs36\"> </span>time horizon. Where various models are <span class=\"_ _7\"></span>used, judgement is required to analyse the <span class=\"_ _7\"></span>available information provided and </div><div class=\"t m1 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs2ad\">select the appropriate model or combination <span class=\"_ _7\"></span>of models to use.<span class=\"_ _3eb\"> </span></div><div class=\"t m1 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs2ae\">The core components in determining credit-impaired <span class=\"_ _7\"></span>expected credit loss provisions are the value <span class=\"_ _7\"></span>of gross charge-off </div><div class=\"t m1 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs2af\">and<span class=\"_ gs36\"> </span>recoveries. Gross charge-off and/or loss provisions <span class=\"_ _7\"></span>are recognised when it is established that <span class=\"_ _7\"></span>the account is unlikely </div><div class=\"t m1 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs2b0\">to<span class=\"_ gs36\"> </span>pay through the normal process. Recovery <span class=\"_ _7\"></span>of unsecured debt post credit impairment is <span class=\"_ _7\"></span>recognised based on actual cash </div><div class=\"t m1 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs2b1\">collected, either directly from clients or <span class=\"_ _7\"></span>through the sale of defaulted loans to <span class=\"_ _7\"></span>third-party institutions. Release of credit </div><div class=\"t m1 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs2b2\">impairment provisions for secured loans is <span class=\"_ _7\"></span>recognised if the loan outstanding is paid <span class=\"_ _7\"></span>in full (release of full provision), </div><div class=\"t m1 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs2b3\">or<span class=\"_ gs36\"> </span>the<span class=\"_ gs36\"> </span>provision is higher than the loan <span class=\"_ _7\"></span>outstanding (release of the excess provision).<span class=\"_ _3eb\"> </span></div><div class=\"t m1 h9 ff1 fs2 fc3 sc0 ls2 ws0 gs2b4\">Expert credit judgement is also applied to determine whether any post-model adjustments are required for credit risk </div><div class=\"t m1 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs2b5\">elements which are not captured by <span class=\"_ _7\"></span>the models. </div><div class=\"t m1 h27 ff8 fs16 fc1 sc0 ls1f ws1e gs2b6\">Modified financial <span class=\"_ _7\"></span>instruments<span class=\"_ _3eb\"> </span></div><div class=\"t m1 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs2b7\">Where the original contractual terms of <span class=\"_ _7\"></span>a financial asset have been modified for <span class=\"_ _7\"></span>credit reasons and the instrument has <span class=\"_ _7\"></span>not </div><div class=\"t m1 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs2b8\">been derecognised (an instrument is derecognised <span class=\"_ _7\"></span>when a modification results in a change <span class=\"_ _7\"></span>in cash flows that the Group </div><div class=\"t m1 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs2b9\">would consider substantial), the resulting modification <span class=\"_ _7\"></span>loss is recognised within credit impairment in <span class=\"_ _7\"></span>the income statement </div><div class=\"t m1 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs2ba\">with a corresponding decrease in the <span class=\"_ _7\"></span>gross carrying value of the asset. If <span class=\"_ _7\"></span>the modification involved a concession that <span class=\"_ _7\"></span>the </div><div class=\"t m1 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs2bb\">bank would not otherwise consider, the <span class=\"_ _7\"></span>instrument is considered to be credit-impaired and <span class=\"_ _7\"></span>is considered forborne.<span class=\"_ _3eb\"> </span></div><div class=\"t m1 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs2bc\">Expected credit loss for modified financial <span class=\"_ _7\"></span>assets that have not been derecognised and <span class=\"_ _7\"></span>are not considered to be credit-<span class=\"_ _3eb\"> </span></div><div class=\"t m1 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs2bd\">impaired will be recognised on a <span class=\"_ _7\"></span>12-month basis, or a lifetime basis, if <span class=\"_ _7\"></span>there is a significant increase in <span class=\"_ _7\"></span>credit risk. These assets </div><div class=\"t m1 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs2be\">are assessed (by comparison to the <span class=\"_ _7\"></span>origination date) to determine whether there has <span class=\"_ _7\"></span>been a significant increase in credit <span class=\"_ _7\"></span>risk </div><div class=\"t m1 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs2bf\">subsequent to the modification. Although loans <span class=\"_ _7\"></span>may be modified for non-credit reasons, a <span class=\"_ _7\"></span>significant increase in credit risk </div><div class=\"t m1 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs2c0\">may occur. In addition to the <span class=\"_ _7\"></span>recognition of modification gains and losses, the <span class=\"_ _7\"></span>revised carrying value of modified financial </div><div class=\"t m1 h9 ff1 fs2 fc3 sc0 ls2 ws0 gs2c1\">assets will impact the calculation of expected credit losses, with any increase or decrease in expected credit loss recognised </div><div class=\"t m1 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs2c2\">within impairment.<span class=\"_ _3eb\"> </span></div><div class=\"t m1 h27 ff8 fs16 fc1 sc0 ls1f ws1e gs2c3\">Forborne loans<span class=\"_ _3eb\"> </span></div><div class=\"t m1 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs2c4\">Forborne loans are those loans that <span class=\"_ _7\"></span>have been modified in response to a <span class=\"_ _7\"></span>customer\u2019s financial difficulties. Forbearance </div><div class=\"t m1 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs2c5\">strategies assist clients who are temporarily <span class=\"_ _7\"></span>in financial distress and are unable to <span class=\"_ _7\"></span>meet their original contractual repayment </div><div class=\"t m1 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs2c6\">terms. Forbearance can be initiated by <span class=\"_ _7\"></span>the client, the Group or a third-party <span class=\"_ _7\"></span>including government sponsored programmes </div><div class=\"t m1 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs2c7\">or<span class=\"_ gs36\"> </span>a conglomerate of credit institutions. Forbearance <span class=\"_ _7\"></span>may include debt restructuring such as new <span class=\"_ _7\"></span>repayment schedules, </div><div class=\"t m1 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs2c8\">payment deferrals, tenor extensions, interest only <span class=\"_ _7\"></span>payments, lower interest rates, forgiveness of principal, <span class=\"_ _7\"></span>interest or fees, </div><div class=\"t m1 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs2c9\">or<span class=\"_ gs36\"> </span>relaxation of loan covenants<span class=\"_ _3eb\"> </span>.<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs2cb\">Forborne loans that have been modified <span class=\"_ _7\"></span>(and not derecognised) on terms that are <span class=\"_ _7\"></span>not consistent with those readily </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs2cc\">available in the market and/or where <span class=\"_ _7\"></span>we have granted a concession compared to <span class=\"_ _7\"></span>the original terms of the loans <span class=\"_ _7\"></span>are </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs2cd\">considered credit-impaired if there is a <span class=\"_ _7\"></span>detrimental impact on cash flows. The modification <span class=\"_ _7\"></span>loss (see Classification and </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs2ce\">measurement \u2013 Modifications) is recognised in <span class=\"_ _7\"></span>the profit or loss within credit impairment <span class=\"_ _7\"></span>and the gross carrying value of </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs2cf\">the<span class=\"_ gs36\"> </span>loan reduced by the same amount. <span class=\"_ _7\"></span>The modified loan is disclosed as \u2018Loans <span class=\"_ _7\"></span>subject to forbearance \u2013 credit-impaired\u2019.<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs2d0\">Loans that have been subject to <span class=\"_ _7\"></span>a forbearance modification, but which are not <span class=\"_ _7\"></span>considered credit-impaired (not classified </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs2d1\">as<span class=\"_ gs36\"> </span>CG13 or CG14), are disclosed as <span class=\"_ _7\"></span>\u2018Forborne \u2013 not credit-impaired\u2019. This may include <span class=\"_ _7\"></span>amendments to covenants within the </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs2d2\">contractual terms.<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h27 ff8 fs16 fc1 sc0 ls1f ws1e gs2d3\">Write-offs of <span class=\"_ _7\"></span>credit-impaired instruments <span class=\"_ _7\"></span>and reversal <span class=\"_ _7\"></span>of impairment<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs2d4\">To the extent a financial debt <span class=\"_ _7\"></span>instrument is considered irrecoverable, the applicable portion <span class=\"_ _7\"></span>of the gross carrying value </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs2d5\">is<span class=\"_ gs36\"> </span>written off against the related loan <span class=\"_ _7\"></span>provision. Such loans are written off after <span class=\"_ _7\"></span>all the necessary procedures have been </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs2d6\">completed, it is decided that there <span class=\"_ _7\"></span>is no realistic probability of recovery and <span class=\"_ _7\"></span>the amount of the loss has <span class=\"_ _7\"></span>been determined. </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs2d7\">Subsequent recoveries of amounts previously written <span class=\"_ _7\"></span>off decrease the amount of the provision <span class=\"_ _7\"></span>for credit impairment in the </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs2d8\">income statement. </div><div class=\"t m0 h27 ff8 fs16 fc1 sc0 ls1f ws1e gs2d9\">Loss provisions <span class=\"_ _7\"></span>on purchased <span class=\"_ _7\"></span>or originated <span class=\"_ _7\"></span>credit-impaired instruments <span class=\"_ _7\"></span>(POCI)<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs2da\">The Group measures expected credit loss <span class=\"_ _7\"></span>on a lifetime basis for POCI instruments <span class=\"_ _7\"></span>throughout the life of the instrument. </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs2db\">However, expected credit loss is not <span class=\"_ _7\"></span>recognised in a separate loss provision on <span class=\"_ _7\"></span>initial recognition for POCI instruments as </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs2dc\">the<span class=\"_ gs36\"> </span>lifetime expected credit loss is inherent <span class=\"_ _7\"></span>within the gross carrying amount of the <span class=\"_ _7\"></span>instruments. The Group recognises </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs2dd\">the<span class=\"_ gs36\"> </span>change in lifetime expected credit losses <span class=\"_ _7\"></span>arising subsequent to initial recognition in the <span class=\"_ _7\"></span>income statement and the </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs2de\">cumulative change as a loss provision. <span class=\"_ _7\"></span>Where lifetime expected credit losses on POCI <span class=\"_ _7\"></span>instruments are less than those </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs2df\">at<span class=\"_ gs36\"> </span>initial<span class=\"_ gs36\"> </span>recognition, then the favourable differences are <span class=\"_ _7\"></span>recognised as impairment gains in the income <span class=\"_ _7\"></span>statement </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs2e0\">(and<span class=\"_ gs36\"> </span>as<span class=\"_ gs36\"> </span>impairment loss where the expected credit <span class=\"_ _7\"></span>losses are greater).<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h27 ff8 fs16 fc1 sc0 ls1f ws1e gs2e1\">Improvement in <span class=\"_ _7\"></span>credit risk/curing<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs2e2\">For financial assets that are credit-impaired <span class=\"_ _7\"></span>(stage 3), a transfer to stage 2 <span class=\"_ _7\"></span>or stage 1 is only permitted <span class=\"_ _7\"></span>where the instrument </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs2e3\">is no longer considered to be <span class=\"_ _7\"></span>credit-impaired. An instrument will no longer be <span class=\"_ _7\"></span>considered credit-impaired when there </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs2e4\">is<span class=\"_ gs36\"> </span>no<span class=\"_ gs36\"> </span>shortfall of cash flows compared to <span class=\"_ _7\"></span>the original contractual terms.<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs2e5\">For financial assets within stage 2, <span class=\"_ _7\"></span>these can only be transferred to stage <span class=\"_ _7\"></span>1 when they are no longer <span class=\"_ _7\"></span>considered to have </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs2e6\">experienced a significant increase in credit <span class=\"_ _7\"></span>risk.<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs2e7\">Where a significant increase in credit <span class=\"_ _7\"></span>risk was determined using quantitative measures, the <span class=\"_ _7\"></span>instruments will automatically </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs2e8\">transfer back to stage 1 when <span class=\"_ _7\"></span>the original PD based transfer criteria are <span class=\"_ _7\"></span>no longer met. Where instruments were <span class=\"_ _7\"></span>transferred </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs2e9\">to stage 2 due to an <span class=\"_ _7\"></span>assessment of qualitative factors, the issues that <span class=\"_ _7\"></span>led to the reclassification must be <span class=\"_ _7\"></span>cured before the </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs2ea\">instruments can be reclassified to stage <span class=\"_ _7\"></span>1. This includes instances where management actions <span class=\"_ _7\"></span>led to instruments being </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs2eb\">classified as stage 2, requiring that <span class=\"_ _7\"></span>action to be resolved before loans are <span class=\"_ _7\"></span>reclassified to stage 1.<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs2ec\">A forborne loan can only be <span class=\"_ _7\"></span>removed from being disclosed as forborne if <span class=\"_ _7\"></span>the loan is performing (stage 1 <span class=\"_ _7\"></span>or 2) and a further </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs2ed\">two-year probation period is met. </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs2ee\">In order for a forborne loan <span class=\"_ _7\"></span>to become performing, the following criteria have <span class=\"_ _7\"></span>to be satisfied:</div><div class=\"t m0 h9 ff1 fs2 fc3 sc0 ls0 ws0 gs2ef\"> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ls2\">At least a year has passed with no default based upon the forborne contract terms</span></div><div class=\"t m0 h5 ff1 fs2 fc3 sc0 ls0 ws0 gs2f0\"> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">The customer is likely to repay its obligations in full without realising <span class=\"_ _7\"></span>security</span></div><div class=\"t m0 h5 ff1 fs2 fc3 sc0 ls0 ws0 gs2f1\"> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">The customer has no accumulated impairment against amount outstanding (except for ECL)<span class=\"_ _3eb\"> </span></span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs2f2\">Subsequent to the criteria above, a <span class=\"_ _7\"></span>further two-year probation period has to be <span class=\"_ _7\"></span>fulfilled, whereby regular payments are </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs2f3\">made by the customer and none <span class=\"_ _7\"></span>of the exposures to the customer are <span class=\"_ _7\"></span>more than 30 days past due.<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h4 ff5 fs1 fc1 sc0 ls1 ws2 gs2f5\">Accounting policy<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs2f6\">Refer to the below referenced notes <span class=\"_ _7\"></span>for the relevant accounting policy.<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h4 ff5 fs1 fc1 sc0 ls1 ws2 gs2f8\">Accounting policy<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs2f9\">Income tax payable on profits is <span class=\"_ _7\"></span>based on the applicable tax law in <span class=\"_ _7\"></span>each jurisdiction and is recognised as <span class=\"_ _7\"></span>an expense </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs2fa\">in<span class=\"_ gs36\"> </span>the<span class=\"_ gs36\"> </span>period in which profits arise.<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs2fb\">Deferred tax is provided on temporary <span class=\"_ _7\"></span>differences arising between the tax bases of <span class=\"_ _7\"></span>assets and liabilities and their carrying </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs2fc\">amounts in the consolidated financial statements. <span class=\"_ _7\"></span>Deferred tax is determined using tax rates <span class=\"_ _7\"></span>(and laws) that have been </div><div class=\"t m0 h9 ff1 fs2 fc3 sc0 ls2 ws0 gs2fd\">enacted or substantively enacted as at the balance sheet date, and that are expected to apply when the related deferred </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs2fe\">tax asset is realised or the <span class=\"_ _7\"></span>deferred income tax liability is settled.<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h9 ff1 fs2 fc3 sc0 ls2 ws0 gs2ff\">Deferred tax assets are recognised where it is probable that future taxable profit will be available against which the </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs300\">temporary differences can be utilised. Where <span class=\"_ _7\"></span>permitted, deferred tax assets and liabilities are <span class=\"_ _7\"></span>offset on an entity basis </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs301\">and<span class=\"_ gs36\"> </span>not by component of deferred taxation.<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h9 ff1 fs2 fc3 sc0 ls2 ws0 gs302\">Current and deferred tax relating to items which are charged or credited directly to equity, is credited or charged directly </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs303\">to<span class=\"_ gs36\"> </span>equity and is subsequently recognised in <span class=\"_ _7\"></span>the income statement together with the current <span class=\"_ _7\"></span>or deferred gain or loss.<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h27 ff8 fs16 fc1 sc0 ls1f ws1e gs304\">Other accounting <span class=\"_ _7\"></span>estimates and <span class=\"_ _7\"></span>judgements</div><div class=\"t m0 h5 ff1 fs2 fc3 sc0 ls0 ws0 gs305\"> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">Determining the Group\u2019s tax charge for the year involves estimation and judgement, <span class=\"_ _7\"></span>which includes an interpretation </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs306\">of<span class=\"_ gs36\"> </span>local tax laws and an assessment <span class=\"_ _7\"></span>of whether the tax authorities will accept <span class=\"_ _7\"></span>the position taken. These judgements </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs307\">take<span class=\"_ gs36\"> </span>account of external advice where appropriate, <span class=\"_ _7\"></span>and the Group\u2019s view on settling with <span class=\"_ _7\"></span>the relevant tax authorities</div><div class=\"t m0 h5 ff1 fs2 fc3 sc0 ls0 ws0 gs308\"> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">The Group provides for current tax liabilities at the best estimate of <span class=\"_ _7\"></span>the amount that is expected to <span class=\"_ _7\"></span>be paid to the tax </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs309\">authorities where an outflow is probable. <span class=\"_ _7\"></span>In making its estimates the Group assumes <span class=\"_ _7\"></span>that the tax authorities will examine </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs30a\">all the amounts reported to them <span class=\"_ _7\"></span>and have full knowledge of all relevant <span class=\"_ _7\"></span>information</div><div class=\"t m0 h5 ff1 fs2 fc3 sc0 ls0 ws0 gs30b\"> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">The recoverability of the Group\u2019s deferred tax assets is based on management\u2019s <span class=\"_ _7\"></span>judgement of the availability of future </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs30c\">taxable profits against which the deferred <span class=\"_ _7\"></span>tax assets will be utilised. In preparing <span class=\"_ _7\"></span>management forecasts the effect </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs30d\">of<span class=\"_ gs36\"> </span>applicable laws and regulations relevant to <span class=\"_ _7\"></span>the utilisation of future taxable profits have <span class=\"_ _7\"></span>been considered.<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h4 ff5 fs1 fc1 sc0 ls1 ws2 gs34e\">Accounting policy<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs34f\">The Group also measures earnings per <span class=\"_ _7\"></span>share on an underlying basis. This differs <span class=\"_ _7\"></span>from earnings defined in IAS 33 <span class=\"_ _7\"></span>Earnings </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs350\">per<span class=\"_ gs36\"> </span>share. Underlying earnings is profit/(loss) attributable <span class=\"_ _7\"></span>to ordinary shareholders adjusted for profits or <span class=\"_ _7\"></span>losses of a capital </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs351\">nature; amounts consequent to investment transactions <span class=\"_ _7\"></span>driven by strategic intent; and other infrequent <span class=\"_ _7\"></span>and/or exceptional </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs352\">transactions that are significant or material <span class=\"_ _7\"></span>in the context of the Group\u2019s normal <span class=\"_ _7\"></span>business earnings for the year.<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h4 ff5 fs1 fc1 sc0 ls1 ws2 gs354\">Accounting policy<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h27 ff8 fs16 fc1 sc0 ls1f ws1e gs355\">Financial assets <span class=\"_ _7\"></span>held at <span class=\"_ _7\"></span>amortised cost <span class=\"_ _7\"></span>and fair <span class=\"_ _7\"></span>value through <span class=\"_ _7\"></span>other comprehensive <span class=\"_ _7\"></span>income<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h9 ff1 fs2 fc3 sc0 ls2 ws0 gs356\">Debt instruments held at amortised cost or held at FVOCI have contractual terms that give rise to cash flows that are solely </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs357\">payments of principal and interest (SPPI) <span class=\"_ _7\"></span>characteristics. </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs358\">In assessing whether the contractual cash <span class=\"_ _7\"></span>flows have SPPI characteristics, the Group considers <span class=\"_ _7\"></span>the contractual terms of the </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs359\">instrument. This includes assessing whether the <span class=\"_ _7\"></span>financial asset contains a contractual term that <span class=\"_ _7\"></span>could change the timing or </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs35a\">amount of contractual cash flows such <span class=\"_ _7\"></span>that it would not meet this condition. <span class=\"_ _7\"></span>In making the assessment, the Group <span class=\"_ _7\"></span>considers:</div><div class=\"t m0 h5 ff1 fs2 fc3 sc0 ls0 ws0 gs35b\"> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">Contingent events that would change the amount and timing of cash flows</span></div><div class=\"t m0 h9 ff1 fs2 fc3 sc0 ls0 ws0 gs35c\"> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ls2\">Leverage features</span></div><div class=\"t m0 h9 ff1 fs2 fc3 sc0 ls0 ws0 gs35d\"> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ls2\">Prepayment and extension terms</span></div><div class=\"t m0 h5 ff1 fs2 fc3 sc0 ls0 ws0 gs35e\"> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">Terms that limit the Group\u2019s claim to cash flows from specified assets <span class=\"_ _7\"></span>(e.g. non-recourse asset arrangements) </span></div><div class=\"t m0 h5 ff1 fs2 fc3 sc0 ls0 ws0 gs35f\"> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">Features that modify consideration of the time value of money \u2013 e.g. <span class=\"_ _7\"></span>periodical reset of interest rates<span class=\"_ _3eb\"> </span></span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs360\">Whether financial assets are held at <span class=\"_ _7\"></span>amortised cost or at FVOCI depends on <span class=\"_ _7\"></span>the objectives of the business models <span class=\"_ _7\"></span>under </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs361\">which the assets are held. A <span class=\"_ _7\"></span>business model refers to how the Group <span class=\"_ _7\"></span>manages financial assets to generate cash <span class=\"_ _7\"></span>flows.<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs362\">The Group makes an assessment of <span class=\"_ _7\"></span>the objective of a business model in <span class=\"_ _7\"></span>which an asset is held at <span class=\"_ _7\"></span>the individual product </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs363\">business line, and where applicable within <span class=\"_ _7\"></span>business lines depending on the way the <span class=\"_ _7\"></span>business is managed and information </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs364\">is<span class=\"_ gs36\"> </span>provided to management. Factors considered include:</div><div class=\"t m0 h9 ff1 fs2 fc3 sc0 ls0 ws0 gs365\"> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ls2\">How the performance of the product business line is evaluated and reported to the Group\u2019s management</span></div><div class=\"t m0 h5 ff1 fs2 fc3 sc0 ls0 ws0 gs366\"> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">How managers of the business model are compensated, including whether management is <span class=\"_ _7\"></span>compensated based </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs367\">on<span class=\"_ gs36\"> </span>the<span class=\"_ gs36\"> </span>fair value of assets or the <span class=\"_ _7\"></span>contractual cash flows collected</div><div class=\"t m0 h9 ff1 fs2 fc3 sc0 ls0 ws0 gs368\"> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ls2\">The risks that affect the performance of the business model and how those risks are managed</span></div><div class=\"t m0 h5 ff1 fs2 fc3 sc0 ls0 ws0 gs369\"> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">The frequency, volume and timing of sales in prior periods, the reasons <span class=\"_ _7\"></span>for such sales and expectations about <span class=\"_ _7\"></span>future </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs36a\">sales<span class=\"_ gs36\"> </span>activity<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs36c\">The Group\u2019s business model assessment is <span class=\"_ _7\"></span>as follows:<span class=\"_ _3eb\"> </span></div><div class=\"gs36d\"><table class=\"s w51a h23d\" id=\"_75439fb2-8a84-4a62-a7d1-71356f640b90\"><tr><td class=\"t m0 x9bc h4 y66c6 ff2 fs1 fc1 sc0 ls1 ws2\">Business </td><td class=\"t m0 x9bd h4 y66c6 ff2 fs1 fc1 sc0 ls1 ws2\">Business </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m0 x9bc h4 y66c7 ff5 fs1 fc1 sc0 ls1 ws2\">model<span class=\"_ _3eb\"> </span></td><td class=\"c n x9be y66c9 w51b h23e\"><div class=\"t m0 x1ed h4 y66c8 ff5 fs1 fc1 sc0 ls1 ws2\">objective<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9bf y66c9 w51c h23e\"><div class=\"t m0 x1ed h4 y66c8 ff5 fs1 fc1 sc0 ls1 ws2\">Characteristics<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n x9c0 y66c9 w51d h23e\"><div class=\"t m0 x1ed h4 y66c8 ff2 fs1 fc1 sc0 ls1 ws2\">Businesses<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n x9c1 y66c9 w15e h23e\"><div class=\"t m0 x1ed h4 y66c8 ff5 fs1 fc1 sc0 ls1 ws2\">Products<span class=\"_ _3eb\"> </span></div></td><td></td></tr><tr><td class=\"t m0 x9bc h20 y66ca ff6 fs2 fc3 sc0 ls2 ws0\">Hold to </td><td class=\"t m0 x9bd h9 y66ca ff1 fs2 fc3 sc0 ls2 ws0\">Intent is to </td><td class=\"c n x9c2 y66cb w51e h1ff\"><div class=\"t m0 x1ed h5 y66b5 ff1 fs2 fc3 sc0 ls0 ws0\">\u2022<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c3 y66cb w51f h23f\"><div class=\"t m0 x1ed h5 y66b5 ff4 fs2 fc3 sc0 ls2 ws1\">Providing financing and originating<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c4 y66cd w520 h1ff\"><div class=\"t m0 x1ed h9 y66cc ff1 fs2 fc3 sc0 ls0 ws0\">\u2022<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c5 y66cd w521 h201\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls2 ws0\">Global Banking<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c6 y66cd w520 h1ff\"><div class=\"t m0 x1ed h9 y66cc ff1 fs2 fc3 sc0 ls0 ws0\">\u2022<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c7 y66cd w522 h201\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls2 ws0\">Loans and<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x9bc h20 y66cf ff6 fs2 fc3 sc0 ls2 ws1\">collect<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x9bd h5 y66cf ff4 fs2 fc3 sc0 ls2 ws1\">originate financial </td><td class=\"t m0 x9c8 h9 y66cf ff1 fs2 fc3 sc0 ls2 ws0\" colspan=\"2\">assets to earn interest income as </td><td class=\"c n x9c4 y66d0 w520 h201\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls0 ws0\">\u2022<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c5 y66d0 w523 h201\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls2 ws1\">Transaction<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x9c9 h9 y66cf ff1 fs2 fc3 sc0 ls2 ws1\" colspan=\"2\">advances<span class=\"_ _3eb\"> </span></td></tr><tr><td></td><td class=\"t m0 x9bd h9 y66d1 ff1 fs2 fc3 sc0 ls2 ws0\">assets and hold </td><td class=\"t m0 x9c8 h9 y66d1 ff1 fs2 fc3 sc0 ls2 ws0\" colspan=\"2\">primary income stream<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x9ca h9 y66d2 ff1 fs2 fc3 sc0 ls2 ws1\" colspan=\"2\">Banking<span class=\"_ _3eb\"> </span></td><td class=\"c n x9c6 y66d3 w520 h203\"><div class=\"t m0 x1ed h5 y66b5 ff1 fs2 fc3 sc0 ls0 ws0\">\u2022<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c7 y66d3 w524 h239\"><div class=\"t m0 x1ed h5 y66b5 ff4 fs2 fc3 sc0 ls2 ws1\">Debt securities<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td class=\"t m0 x9bd h9 y66d4 ff1 fs2 fc3 sc0 ls2 ws0\">them to maturity, </td><td class=\"c n x9c2 y66d5 w51e h201\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls0 ws0\">\u2022<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c3 y66d5 w525 h201\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls2 ws0\">Performing credit risk management<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c4 y66d6 w520 h201\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls0 ws0\">\u2022<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c5 y66d6 w526 h201\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls2 ws0\">Retail Lending<span class=\"_ _3eb\"> </span></div></td><td></td><td></td></tr><tr><td></td><td class=\"t m0 x9bd h9 y66d7 ff1 fs2 fc3 sc0 ls2 ws0\">collecting the </td><td class=\"t m0 x9c8 h5 y66d8 ff4 fs2 fc3 sc0 ls2 ws1\" colspan=\"2\">activities<span class=\"_ _3eb\"> </span></td><td class=\"c n x9c4 y66d9 w520 h201\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls0 ws0\">\u2022<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c5 y66d9 w527 h201\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls2 ws1\">Treasury<span class=\"_ _3eb\"> </span></div></td><td></td><td></td></tr><tr><td></td><td class=\"t m0 x9bd h9 y66da ff1 fs2 fc3 sc0 ls2 ws0\">contractual cash </td><td class=\"c n x9c2 y66db w51e h201\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls0 ws0\">\u2022<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c3 y66db w528 h201\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls2 ws0\">Costs include funding costs, transaction</div></td><td class=\"t m0 x9ca h9 y66dc ff1 fs2 fc3 sc0 ls2 ws0\" colspan=\"2\">Markets (Loans </td><td></td><td></td></tr><tr><td></td><td class=\"t m0 x9bd h9 y66dd ff1 fs2 fc3 sc0 ls2 ws0\">flows over the term </td><td class=\"t m0 x9c8 h5 y66de ff4 fs2 fc3 sc0 ls2 ws1\" colspan=\"2\">costs and impairment losses<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x9ca h5 y66df ff4 fs2 fc3 sc0 ls2 ws1\" colspan=\"2\">and Borrowings)<span class=\"_ _3eb\"> </span></td><td></td><td></td></tr><tr><td></td><td class=\"t m0 x9bd h9 y66e0 ff1 fs2 fc3 sc0 ls2 ws0\">of the instrument<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"c n x9c4 y66e1 w520 h201\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls0 ws0\">\u2022<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c5 y66e1 w529 h201\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls2 ws0\">Global Markets<span class=\"_ _3eb\"> </span></div></td><td></td><td></td></tr><tr><td class=\"t m0 x9bc h20 y66e2 ff6 fs2 fc3 sc0 ls2 ws0\">Hold to </td><td class=\"t m0 x9bd h5 y66e2 ff4 fs2 fc3 sc0 ls2 ws1\">Business objective </td><td class=\"c n x9c2 y66e3 w51e h203\"><div class=\"t m0 x1ed h5 y66b5 ff1 fs2 fc3 sc0 ls0 ws0\">\u2022<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c3 y66e3 w525 h239\"><div class=\"t m0 x1ed h5 y66b5 ff4 fs2 fc3 sc0 ls2 ws1\">Portfolios held for liquidity needs; or<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c4 y66e4 w520 h201\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls0 ws0\">\u2022<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c5 y66e4 w527 h201\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls2 ws1\">Treasury<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c6 y66e3 w520 h203\"><div class=\"t m0 x1ed h5 y66b5 ff1 fs2 fc3 sc0 ls0 ws0\">\u2022<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c7 y66e3 w524 h239\"><div class=\"t m0 x1ed h5 y66b5 ff4 fs2 fc3 sc0 ls2 ws1\">Debt securities<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x9bc h20 y66e5 ff6 fs2 fc3 sc0 ls2 ws1\">collect </td><td class=\"t m0 x9bd h9 y66e5 ff1 fs2 fc3 sc0 ls2 ws0\">met through both </td><td class=\"t m0 x9c8 h9 y66e5 ff1 fs2 fc3 sc0 ls2 ws0\" colspan=\"2\">where a certain interest yield profile is </td><td class=\"t m0 x9ca h9 y66e5 ff1 fs2 fc3 sc0 ls2 ws1\" colspan=\"2\">Markets<span class=\"_ _3eb\"> </span></td><td></td><td></td></tr><tr><td class=\"t m0 x9bc h20 y66e6 ff7 fs2 fc3 sc0 ls2 ws1\">and<span class=\"_ gs36e\"> </span>sell<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x9bd h9 y66e6 ff1 fs2 fc3 sc0 ls2 ws0\">hold to collect and </td><td class=\"t m0 x9c8 h5 y66e6 ff4 fs2 fc3 sc0 ls2 ws1\" colspan=\"2\">maintained; or that are normally </td><td class=\"c n x9c4 y66e7 w520 h201\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls0 ws0\">\u2022<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c5 y66e7 w52a h201\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls2 ws0\">Central Credit<span class=\"_ _3eb\"> </span></div></td><td></td><td></td></tr><tr><td></td><td class=\"t m0 x9bd h5 y66e8 ff4 fs2 fc3 sc0 ls2 ws1\">by selling financial </td><td class=\"t m0 x9c8 h9 y66e8 ff1 fs2 fc3 sc0 ls2 ws0\" colspan=\"2\">rebalanced to achieve matching of </td><td class=\"t m0 x9ca h9 y66e9 ff1 fs2 fc3 sc0 ls2 ws1\" colspan=\"2\">Unit<span class=\"_ _3eb\"> </span></td><td></td><td></td></tr><tr><td></td><td class=\"t m0 x9bd h9 y66ea ff1 fs2 fc3 sc0 ls2 ws1\">assets<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x9c8 h5 y66ea ff4 fs2 fc3 sc0 ls2 ws1\" colspan=\"2\">duration of assets and liabilities<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"c n x9c2 y66eb w51e h201\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls0 ws0\">\u2022<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c3 y66eb w52b h201\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls2 ws0\">Income streams come from interest<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"t m0 x9c8 h9 y66ec ff1 fs2 fc3 sc0 ls2 ws0\" colspan=\"2\">income, fair value changes, and </td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"t m0 x9c8 h5 y66ed ff4 fs2 fc3 sc0 ls2 ws1\" colspan=\"2\">impairment losses<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m0 x9bc h20 y66ee ff6 fs2 fc3 sc0 ls2 ws0\">Fair value </td><td class=\"t m0 x9bd h9 y66ee ff1 fs2 fc3 sc0 ls2 ws0\">All other business </td><td class=\"c n x9c2 y66ef w51e h201\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls0 ws0\">\u2022<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c3 y66ef w52c h201\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls2 ws0\">Assets held for trading<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c4 y66ef w520 h201\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls0 ws0\">\u2022<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c5 y66ef w527 h201\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls2 ws1\">Treasury<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c6 y66f0 w520 h203\"><div class=\"t m0 x1ed h5 y66b5 ff1 fs2 fc3 sc0 ls0 ws0\">\u2022<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c7 y66f0 w52d h239\"><div class=\"t m0 x1ed h5 y66b5 ff4 fs2 fc3 sc0 ls2 ws1\">Derivatives<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x9bc h20 y66f1 ff6 fs2 fc3 sc0 ls2 ws1\">through </td><td class=\"t m0 x9bd h5 y66f1 ff4 fs2 fc3 sc0 ls2 ws1\">objectives, </td><td class=\"c n x9c2 y66f2 w51e h203\"><div class=\"t m0 x1ed h5 y66b5 ff1 fs2 fc3 sc0 ls0 ws0\">\u2022<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c3 y66f2 w52e h239\"><div class=\"t m0 x1ed h5 y66b5 ff4 fs2 fc3 sc0 ls2 ws1\">Assets that are originated, purchased,<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x9ca h9 y66f1 ff1 fs2 fc3 sc0 ls2 ws1\" colspan=\"2\">Markets<span class=\"_ _3eb\"> </span></td><td class=\"c n x9c6 y66f3 w520 h201\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls0 ws0\">\u2022<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c7 y66f3 w52f h201\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls2 ws0\">Equity shares<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x9bc h20 y66f4 ff6 fs2 fc3 sc0 ls2 ws1\">profit </td><td class=\"t m0 x9bd h5 y66f4 ff4 fs2 fc3 sc0 ls2 ws1\">including trading </td><td class=\"t m0 x9c8 h9 y66f5 ff1 fs2 fc3 sc0 ls2 ws0\" colspan=\"2\">and sold for profit taking or </td><td class=\"c n x9c4 y66f6 w520 h203\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls0 ws0\">\u2022<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c5 y66f6 w529 h203\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls2 ws0\">Global Markets<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c6 y66f7 w520 h203\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls0 ws0\">\u2022<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c7 y66f7 w530 h203\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls2 ws1\">Trading<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x9bc h20 y66f8 ff7 fs2 fc3 sc0 ls2 ws1\">or<span class=\"_ gs36e\"> </span>loss<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x9bd h9 y66f8 ff1 fs2 fc3 sc0 ls2 ws0\">and managing </td><td class=\"t m0 x9c8 h5 y66f9 ff4 fs2 fc3 sc0 ls2 ws1\" colspan=\"2\">underwriting activity<span class=\"_ _3eb\"> </span></td><td class=\"c n x9c4 y66fa w520 h203\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls0 ws0\">\u2022<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c5 y66fa w531 h203\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls2 ws0\">All other<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x9c9 h9 y66fb ff1 fs2 fc3 sc0 ls2 ws1\" colspan=\"2\">portfolios<span class=\"_ _3eb\"> </span></td></tr><tr><td></td><td class=\"t m0 x9bd h5 y66fc ff4 fs2 fc3 sc0 ls2 ws1\">financial assets on </td><td class=\"c n x9c2 y66fd w51e h203\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls0 ws0\">\u2022<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c3 y66fd w532 h203\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls2 ws0\">Performance of the portfolio is<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"t m0 x9ca h9 y66fe ff1 fs2 fc3 sc0 ls2 ws0\">business lines<span class=\"_ _3eb\"> </span></td><td class=\"c n x9c6 y66ff w520 h203\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls0 ws0\">\u2022<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c7 y66ff w533 h203\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls2 ws0\">Reverse repos<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td class=\"t m0 x9bd h9 y6700 ff1 fs2 fc3 sc0 ls2 ws0\">a fair value basis<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x9c8 h9 y6701 ff1 fs2 fc3 sc0 ls2 ws0\" colspan=\"2\">evaluated on a fair value basis<span class=\"_ _3eb\"> </span></td><td></td><td></td><td class=\"c n x9c6 y6702 w520 h203\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls0 ws0\">\u2022<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c7 y6702 w534 h203\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls2 ws0\">Bond and Loan<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td></td><td class=\"c n x9c2 y6703 w51e h203\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls0 ws0\">\u2022<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c3 y6703 w535 h203\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls2 ws0\">Income streams are from fair value<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td></td><td class=\"t m0 x9c9 h5 y6704 ff4 fs2 fc3 sc0 ls2 ws1\">Syndication<span class=\"_ _3eb\"> </span></td></tr><tr><td></td><td></td><td></td><td class=\"t m0 x9c8 h9 y6705 ff1 fs2 fc3 sc0 ls2 ws0\">changes or trading gains or losses<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td></tr></table></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs36f\">Financial assets which have SPPI characteristics <span class=\"_ _7\"></span>and that are held within a business <span class=\"_ _7\"></span>model whose objective is to hold </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs370\">financial assets to collect contractual cashflows <span class=\"_ _7\"></span>(hold to collect) are recorded at amortised <span class=\"_ _7\"></span>cost. Conversely, financial </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs371\">assets<span class=\"_ gs36\"> </span>which have SPPI characteristics but are <span class=\"_ _7\"></span>held within a business model whose objective <span class=\"_ _7\"></span>is achieved by both collecting </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs372\">contractual cashflows and selling financial assets <span class=\"_ _7\"></span>(Hold to collect and sell) are classified <span class=\"_ _7\"></span>as held at FVOCI. Both hold <span class=\"_ _7\"></span>to </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs373\">collect and hold to collect and <span class=\"_ _7\"></span>sell business models involve holding financial assets <span class=\"_ _7\"></span>to collect the contractual cashflows. </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs374\">However, the business models are distinct <span class=\"_ _7\"></span>by reference to the frequency and significance <span class=\"_ _7\"></span>that asset sales play in meeting </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls1b ws1a gs375\">the<span class=\"_ gs36\"> </span>objective under which <span class=\"_ _7\"></span>a particular group of <span class=\"_ _1b\"></span>financial assets is managed. Hold to <span class=\"_ _7\"></span>collect business models <span class=\"_ _7\"></span>are characterised </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs376\">by<span class=\"_ gs36\"> </span>asset sales that are incidental to <span class=\"_ _7\"></span>meeting the objectives under which a group <span class=\"_ _7\"></span>of assets is managed. Sales of <span class=\"_ _7\"></span>assets under </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs377\">a<span class=\"_ gs36\"> </span>hold to collect business model can <span class=\"_ _7\"></span>be made to manage increases in the <span class=\"_ _7\"></span>credit risk of financial assets but <span class=\"_ _7\"></span>sales for other </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs378\">reasons should be infrequent or insignificant. <span class=\"_ _7\"></span>Cashflows from the sale of financial assets <span class=\"_ _7\"></span>under a hold to collect and <span class=\"_ _7\"></span>sell </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs379\">business model by contrast are integral <span class=\"_ _7\"></span>to achieving the objectives under which a <span class=\"_ _7\"></span>particular group of financial assets are </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs37a\">managed. This may be the case <span class=\"_ _7\"></span>where frequent sales of financial assets are <span class=\"_ _7\"></span>required to manage the Group\u2019s daily <span class=\"_ _7\"></span>liquidity </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs37b\">requirements or to meet regulatory requirements <span class=\"_ _7\"></span>to demonstrate liquidity of financial instruments. Sales <span class=\"_ _7\"></span>of assets under </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs37c\">hold<span class=\"_ gs36\"> </span>to collect and sell business models <span class=\"_ _7\"></span>are therefore both more frequent and more <span class=\"_ _7\"></span>significant in value than those under </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs37d\">the<span class=\"_ gs36\"> </span>hold to collect model.<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h27 ff8 fs16 fc1 sc0 ls1f ws1e gs37e\">Equity instruments <span class=\"_ _7\"></span>designated as <span class=\"_ _7\"></span>held at <span class=\"_ _7\"></span>FVOCI<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h9 ff1 fs2 fc3 sc0 ls2 ws0 gs37f\">Non-trading equity instruments acquired for strategic purposes rather than capital gain may be irrevocably designated at </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs380\">initial recognition as held at FVOCI <span class=\"_ _7\"></span>on an instrument-by-instrument basis. Dividends received are <span class=\"_ _7\"></span>recognised in profit or loss. </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs381\">Gains and losses arising from changes <span class=\"_ _7\"></span>in the fair value of these instruments, <span class=\"_ _7\"></span>including foreign exchange gains and losses, </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs382\">are<span class=\"_ gs36\"> </span>recognised directly in equity and are <span class=\"_ _7\"></span>never reclassified to profit or loss even <span class=\"_ _7\"></span>on derecognition<span class=\"_ _3eb\"> </span>.<span class=\"_ _3eb\"> </span></div><div class=\"t m1 h27 ff8 fs16 fc1 sc0 ls1f ws1e gs384\">Mandatorily classified <span class=\"_ _7\"></span>at fair <span class=\"_ _7\"></span>value through <span class=\"_ _7\"></span>profit or <span class=\"_ _7\"></span>loss<span class=\"_ _3eb\"> </span></div><div class=\"t m1 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs385\">Financial assets and liabilities which are <span class=\"_ _7\"></span>mandatorily held at fair value through profit <span class=\"_ _7\"></span>or loss are split between two </div><div class=\"t m1 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs386\">subcategories as follows:<span class=\"_ _3eb\"> </span></div><div class=\"t m1 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs387\">Trading, including: </div><div class=\"t m1 h5 ff1 fs2 fc3 sc0 ls0 ws0 gs388\"> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">Financial assets and liabilities held for trading, which are those acquired principally <span class=\"_ _7\"></span>for the purpose of selling </span></div><div class=\"t m1 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs389\">in<span class=\"_ gs36\"> </span>the<span class=\"_ gs36\"> </span>short-term</div><div class=\"t m1 h5 ff1 fs2 fc3 sc0 ls0 ws0 gs38a\"> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">Derivatives.<span class=\"_ _3eb\"> </span></span></div><div class=\"t m1 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs38b\">Non-trading mandatorily at fair value through <span class=\"_ _7\"></span>profit or loss, including:</div><div class=\"t m1 h5 ff1 fs2 fc3 sc0 ls0 ws0 gs38c\"> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">Instruments in a business which has a fair value business model (see <span class=\"_ _7\"></span>the Group\u2019s business model assessment) which </span></div><div class=\"t m1 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs38d\">are<span class=\"_ gs36\"> </span>not trading or derivatives</div><div class=\"t m1 h5 ff1 fs2 fc3 sc0 ls0 ws0 gs38e\"> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">Hybrid financial assets that contain one or more embedded derivatives</span></div><div class=\"t m1 h5 ff1 fs2 fc3 sc0 ls0 ws0 gs38f\"> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">Financial assets that would otherwise be measured at amortised cost or FVOCI <span class=\"_ _7\"></span>but which do not have SPPI <span class=\"_ _7\"></span>characteristics</span></div><div class=\"t m1 h9 ff1 fs2 fc3 sc0 ls0 ws0 gs390\"> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ls2\">Equity instruments that have not been designated as held at FVOCI</span></div><div class=\"t m1 h5 ff1 fs2 fc3 sc0 ls0 ws0 gs391\"> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">Financial liabilities that constitute contingent consideration in a business combination.<span class=\"_ _3eb\"> </span></span></div><div class=\"t m1 h27 ff8 fs16 fc1 sc0 ls1f ws1e gs392\">Designated at <span class=\"_ _7\"></span>fair value <span class=\"_ _7\"></span>through profit <span class=\"_ _7\"></span>or loss<span class=\"_ _3eb\"> </span></div><div class=\"t m1 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs393\">Financial assets and liabilities may be <span class=\"_ _7\"></span>designated at fair value through profit or <span class=\"_ _7\"></span>loss when the designation eliminates </div><div class=\"t m1 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs394\">or<span class=\"_ gs36\"> </span>significantly reduces a measurement or recognition <span class=\"_ _7\"></span>inconsistency that would otherwise arise from measuring <span class=\"_ _7\"></span>assets </div><div class=\"t m1 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs395\">or<span class=\"_ gs36\"> </span>liabilities on a different basis (\u2018accounting <span class=\"_ _7\"></span>mismatch\u2019).<span class=\"_ _3eb\"> </span></div><div class=\"t m1 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs396\">Financial liabilities may also be designated <span class=\"_ _7\"></span>at fair value through profit or loss <span class=\"_ _7\"></span>where they are managed on a <span class=\"_ _7\"></span>fair value </div><div class=\"t m1 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs397\">basis<span class=\"_ gs36\"> </span>or have an embedded derivative where <span class=\"_ _7\"></span>the Group is not able to separately <span class=\"_ _7\"></span>value, and thus bifurcate, the embedded </div><div class=\"t m1 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs398\">derivative component.<span class=\"_ _3eb\"> </span></div><div class=\"t m1 h27 ff8 fs16 fc1 sc0 ls1f ws1e gs399\">Financial liabilities <span class=\"_ _7\"></span>held at <span class=\"_ _7\"></span>amortised cost<span class=\"_ _3eb\"> </span></div><div class=\"t m1 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs39a\">Financial liabilities that are not financial <span class=\"_ _7\"></span>guarantees or loan commitments and that are <span class=\"_ _7\"></span>not classified as financial liabilities </div><div class=\"t m1 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs39b\">held at fair value through profit <span class=\"_ _7\"></span>or loss are classified as financial liabilities <span class=\"_ _7\"></span>held at amortised cost.<span class=\"_ _3eb\"> </span></div><div class=\"t m1 h9 ff1 fs2 fc3 sc0 ls2 ws0 gs39c\">Preference shares which carry a mandatory coupon that represents a market rate of interest at the issue date, or which </div><div class=\"t m1 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs39d\">are<span class=\"_ gs36\"> </span>redeemable on a specific date or <span class=\"_ _7\"></span>at the option of the shareholder are <span class=\"_ _7\"></span>classified as financial liabilities and are <span class=\"_ _7\"></span>presented </div><div class=\"t m1 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs39e\">in<span class=\"_ gs36\"> </span>other borrowed funds. The dividends on <span class=\"_ _7\"></span>these preference shares are recognised in the <span class=\"_ _7\"></span>income statement as interest </div><div class=\"t m1 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs39f\">expense on an amortised cost basis <span class=\"_ _7\"></span>using the effective interest method.<span class=\"_ _3eb\"> </span></div><div class=\"t m1 h27 ff8 fs16 fc1 sc0 ls1f ws1e gs3a0\">Financial guarantee <span class=\"_ _7\"></span>contracts and <span class=\"_ _7\"></span>loan commitments<span class=\"_ _3eb\"> </span></div><div class=\"t m1 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs3a1\">The Group issues financial guarantee contracts <span class=\"_ _7\"></span>and loan commitments in return for fees. <span class=\"_ _7\"></span>Financial guarantee contracts </div><div class=\"t m1 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs3a2\">and<span class=\"_ gs36\"> </span>any loan commitments issued at below-market <span class=\"_ _7\"></span>interest rates are initially recognised at their <span class=\"_ _7\"></span>fair value as a financial </div><div class=\"t m1 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs3a3\">liability and subsequently measured at the <span class=\"_ _7\"></span>higher of the initial value less the <span class=\"_ _7\"></span>cumulative amount of income recognised </div><div class=\"t m1 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs3a4\">in<span class=\"_ gs36\"> </span>accordance with the principles of IFRS <span class=\"_ _7\"></span>15 Revenue from Contracts with Customers and <span class=\"_ _7\"></span>their expected credit loss provision. </div><div class=\"t m1 h9 ff1 fs2 fc3 sc0 ls2 ws0 gs3a5\">Loan commitments may be designated at fair value through profit or loss where that is the business model under which </div><div class=\"t m1 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs3a6\">such<span class=\"_ gs36\"> </span>contracts are held.<span class=\"_ _3eb\"> </span></div><div class=\"t m1 h27 ff8 fs16 fc1 sc0 ls1f ws1e gs3a7\">Fair value <span class=\"_ _7\"></span>of financial <span class=\"_ _7\"></span>assets and <span class=\"_ _7\"></span>liabilities<span class=\"_ _3eb\"> </span></div><div class=\"t m1 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs3a8\">The fair value of financial instruments <span class=\"_ _7\"></span>is generally measured on the basis of <span class=\"_ _7\"></span>the individual financial instrument. However, </div><div class=\"t m1 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs3a9\">when a group of financial assets <span class=\"_ _7\"></span>and financial liabilities is managed on the <span class=\"_ _7\"></span>basis of its net exposure to <span class=\"_ _7\"></span>either market risk </div><div class=\"t m1 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs3aa\">or<span class=\"_ gs36\"> </span>credit risk, the fair value of <span class=\"_ _7\"></span>the group of financial instruments is measured <span class=\"_ _7\"></span>on a net basis.<span class=\"_ _3eb\"> </span></div><div class=\"t m1 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs3ab\">The fair values of quoted financial <span class=\"_ _7\"></span>assets and liabilities in active markets are <span class=\"_ _7\"></span>based on current prices. A market <span class=\"_ _7\"></span>is regarded </div><div class=\"t m1 h5 ff4 fs2 fc3 sc0 ls1b ws1a gs3ac\">as<span class=\"_ gs36\"> </span>active if transactions <span class=\"_ _7\"></span>for the asset or <span class=\"_ _1b\"></span>liability take place with sufficient frequency <span class=\"_ _7\"></span>and volume to <span class=\"_ _7\"></span>provide pricing information </div><div class=\"t m1 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs3ad\">on an ongoing basis. If the <span class=\"_ _7\"></span>market for a financial instrument, and for <span class=\"_ _7\"></span>unlisted securities, is not active, the <span class=\"_ _7\"></span>Group establishes </div><div class=\"t m1 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs3ae\">fair value by using valuation techniques<span class=\"_ _3eb\"> </span>.<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h27 ff8 fs16 fc1 sc0 ls1f ws1e gs3b0\">Initial recognition<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs3b1\">Regular way purchases and sales of <span class=\"_ _7\"></span>financial assets held at fair value through <span class=\"_ _7\"></span>profit or loss, and held at <span class=\"_ _7\"></span>fair value through </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs3b2\">other comprehensive income, are initially recognised <span class=\"_ _7\"></span>on the trade date (the date on <span class=\"_ _7\"></span>which the Group commits to purchase </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs3b3\">or<span class=\"_ gs36\"> </span>sell the asset). Loans and advances <span class=\"_ _7\"></span>and other financial assets held at amortised <span class=\"_ _7\"></span>cost are recognised on the settlement </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs3b4\">date (the date on which cash <span class=\"_ _7\"></span>is advanced to the borrowers).<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs3b5\">All financial instruments are initially recognised <span class=\"_ _7\"></span>at fair value, which is normally the <span class=\"_ _7\"></span>transaction price, plus directly attributable </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs3b6\">transaction costs for financial assets and <span class=\"_ _7\"></span>liabilities which are not subsequently measured at <span class=\"_ _7\"></span>fair value through profit or loss.<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs3b7\">In certain circumstances, the initial fair <span class=\"_ _7\"></span>value may be based on a valuation <span class=\"_ _7\"></span>technique which may lead to the <span class=\"_ _7\"></span>recognition of </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs3b8\">profits or losses at the time <span class=\"_ _7\"></span>of initial recognition. However, these profits or <span class=\"_ _7\"></span>losses can only be recognised when <span class=\"_ _7\"></span>the valuation </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs3b9\">technique used is based solely on <span class=\"_ _7\"></span>observable market data. In those cases where <span class=\"_ _7\"></span>the initially recognised fair value is <span class=\"_ _7\"></span>based </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs3ba\">on<span class=\"_ gs36\"> </span>a valuation model that uses unobservable <span class=\"_ _7\"></span>inputs, the difference between the transaction price <span class=\"_ _7\"></span>and the valuation model </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs3bb\">is<span class=\"_ gs36\"> </span>not recognised immediately in the income <span class=\"_ _7\"></span>statement, it will be recognised in profit <span class=\"_ _7\"></span>or loss following the passage of <span class=\"_ _7\"></span>time, </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs3bc\">or<span class=\"_ gs36\"> </span>as the inputs become observable, or <span class=\"_ _7\"></span>the transaction matures or is terminated.<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h27 ff8 fs16 fc1 sc0 ls1f ws1e gs3bd\">Subsequent measurement<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h27 ff8 fs16 fc1 sc0 ls1f ws1e gs3be\">Financial assets <span class=\"_ _7\"></span>and financial <span class=\"_ _7\"></span>liabilities held <span class=\"_ _7\"></span>at amortised <span class=\"_ _7\"></span>cost<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs3bf\">Financial assets and financial liabilities held <span class=\"_ _7\"></span>at amortised cost are subsequently carried at <span class=\"_ _7\"></span>amortised cost using the </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs3c0\">effective<span class=\"_ gs36\"> </span>interest method (see \u2018Interest income and <span class=\"_ _7\"></span>expense\u2019). Foreign exchange gains and losses are <span class=\"_ _7\"></span>recognised in the </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs3c1\">income statement.<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs3c2\">Where a financial instrument carried at <span class=\"_ _7\"></span>amortised cost is the hedged item in <span class=\"_ _7\"></span>a qualifying fair value hedge relationship, </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs3c3\">its<span class=\"_ gs36\"> </span>carrying value is adjusted by the <span class=\"_ _7\"></span>fair value gain or loss attributable to <span class=\"_ _7\"></span>the hedged risk.<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h27 ff8 fs16 fc1 sc0 ls1f ws1e gs3c4\">Financial assets <span class=\"_ _7\"></span>held at <span class=\"_ _7\"></span>FVOCI<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs3c5\">Debt instruments held at FVOCI are <span class=\"_ _7\"></span>subsequently carried at fair value, with all <span class=\"_ _7\"></span>unrealised gains and losses arising from </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs3c6\">changes in fair value recognised in <span class=\"_ _7\"></span>other comprehensive income and accumulated in a <span class=\"_ _7\"></span>separate component of equity. </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs3c7\">Foreign exchange gains and losses on <span class=\"_ _7\"></span>the amortised cost are recognised in income. <span class=\"_ _7\"></span>Changes in expected credit losses are </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs3c8\">recognised in the profit or loss <span class=\"_ _7\"></span>and are accumulated in equity. On derecognition, <span class=\"_ _7\"></span>the cumulative fair value gains or <span class=\"_ _7\"></span>losses, </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs3c9\">net<span class=\"_ gs36\"> </span>of the cumulative expected credit loss <span class=\"_ _7\"></span>reserve, are transferred to the profit or <span class=\"_ _7\"></span>loss. </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs3ca\">Equity investments designated at FVOCI are <span class=\"_ _7\"></span>subsequently carried at fair value with all <span class=\"_ _7\"></span>unrealised gains and losses arising </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs3cb\">from changes in fair value (including <span class=\"_ _7\"></span>any related foreign exchange gains or losses) <span class=\"_ _7\"></span>recognised in other comprehensive </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs3cc\">income and accumulated in a separate <span class=\"_ _7\"></span>component of equity. On derecognition, the cumulative <span class=\"_ _7\"></span>reserve is transferred </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs3cd\">to<span class=\"_ gs36\"> </span>retained earnings and is not recycled <span class=\"_ _7\"></span>to profit or loss.<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h27 ff8 fs16 fc1 sc0 ls1f ws1e gs3ce\">Financial assets <span class=\"_ _7\"></span>and liabilities <span class=\"_ _7\"></span>held at <span class=\"_ _7\"></span>fair value <span class=\"_ _7\"></span>through profit <span class=\"_ _7\"></span>or loss<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs3cf\">Gains and losses arising from changes <span class=\"_ _7\"></span>in fair value, including contractual interest income <span class=\"_ _7\"></span>or expense, recorded in the net </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs3d0\">trading income line in the profit <span class=\"_ _7\"></span>or loss. </div><div class=\"t m0 h27 ff8 fs16 fc1 sc0 ls1f ws1e gs3d1\">Derecognition of <span class=\"_ _7\"></span>financial instruments<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs3d2\">Financial assets which are subject to <span class=\"_ _7\"></span>commercial refinancing where the loan is priced <span class=\"_ _7\"></span>to the market with no payment <span class=\"_ _7\"></span>related </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs3d3\">concessions regardless of form of legal <span class=\"_ _7\"></span>documentation or nature of lending will be <span class=\"_ _7\"></span>derecognised. Where the Group\u2019s rights </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs3d4\">to<span class=\"_ gs36\"> </span>the cash flows under the original <span class=\"_ _7\"></span>contract have expired, the old loan is <span class=\"_ _7\"></span>derecognised, and the new loan is <span class=\"_ _7\"></span>recognised at </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs3d5\">fair value. For all other modifications <span class=\"_ _7\"></span>for example forborne loans or restructuring, whether <span class=\"_ _7\"></span>or not a change in the <span class=\"_ _7\"></span>cash flows </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs3d6\">is<span class=\"_ gs36\"> </span>\u2018substantially different\u2019 is judgemental and will <span class=\"_ _7\"></span>be considered on a case-by-case basis, taking <span class=\"_ _7\"></span>into account all the relevant </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs3d7\">facts and circumstances.<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs3d8\">On derecognition of a financial asset, <span class=\"_ _7\"></span>the difference between the carrying amount of <span class=\"_ _7\"></span>the asset (or the carrying amount </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs3d9\">allocated to the portion of the <span class=\"_ _7\"></span>asset derecognised) and the sum of the <span class=\"_ _7\"></span>consideration received (including any new asset </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs3da\">obtained less any new liability assumed) <span class=\"_ _7\"></span>and any cumulative gain or loss that <span class=\"_ _7\"></span>had been recognised in other comprehensive </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs3db\">income is recognised in profit or <span class=\"_ _7\"></span>loss except for equity instruments elected FVOCI <span class=\"_ _7\"></span>(see above) and cumulative fair value </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs3dc\">adjustments attributable to the credit risk <span class=\"_ _7\"></span>of a liability that are held in <span class=\"_ _7\"></span>other comprehensive income.<span class=\"_ _3eb\"> </span></div><div class=\"t m1 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs3de\">Financial liabilities are derecognised when they <span class=\"_ _7\"></span>are extinguished. A financial liability is extinguished <span class=\"_ _7\"></span>when the obligation </div><div class=\"t m1 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs3df\">is<span class=\"_ gs36\"> </span>discharged, cancelled or expires and this <span class=\"_ _7\"></span>is evaluated both qualitatively and quantitatively. </div><div class=\"t m1 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs3e0\">However, where a financial liability has <span class=\"_ _7\"></span>been modified, it is derecognised if the <span class=\"_ _7\"></span>difference between the modified cash flows </div><div class=\"t m1 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs3e1\">and the original cash flows is <span class=\"_ _7\"></span>more than 10 per cent, or if <span class=\"_ _7\"></span>less than 10 per cent, the <span class=\"_ _7\"></span>Group will perform a qualitative </div><div class=\"t m1 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs3e2\">assessment to determine whether the terms <span class=\"_ _7\"></span>of the two instruments are substantially different. <span class=\"_ _7\"></span>If the Group purchases its </div><div class=\"t m1 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs3e3\">own<span class=\"_ gs36\"> </span>debt, it is derecognised and the <span class=\"_ _7\"></span>difference between the carrying amount of the <span class=\"_ _7\"></span>liability and the consideration paid </div><div class=\"t m1 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs3e4\">is<span class=\"_ gs36\"> </span>included in \u2018Other income\u2019 except for <span class=\"_ _7\"></span>the cumulative fair value adjustments attributable to <span class=\"_ _7\"></span>the credit risk of a liability <span class=\"_ _7\"></span>that </div><div class=\"t m1 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs3e5\">are<span class=\"_ gs36\"> </span>held in Other comprehensive income, which <span class=\"_ _7\"></span>are never recycled to the profit or <span class=\"_ _7\"></span>loss.<span class=\"_ _3eb\"> </span></div><div class=\"t m1 h27 ff8 fs16 fc1 sc0 ls1f ws1e gs3e6\">Modified financial <span class=\"_ _7\"></span>instruments<span class=\"_ _3eb\"> </span></div><div class=\"t m1 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs3e7\">Financial assets and financial liabilities whose <span class=\"_ _7\"></span>original contractual terms have been modified, including <span class=\"_ _7\"></span>those loans subject </div><div class=\"t m1 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs3e8\">to forbearance strategies, are considered to <span class=\"_ _7\"></span>be modified instruments. Modifications may include changes <span class=\"_ _7\"></span>to the tenor, </div><div class=\"t m1 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs3e9\">cash<span class=\"_ gs36\"> </span>flows and or interest rates among <span class=\"_ _7\"></span>other factors. </div><div class=\"t m1 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs3ea\">Where derecognition of financial assets is <span class=\"_ _7\"></span>appropriate (see Derecognition), the newly recognised residual <span class=\"_ _7\"></span>loans are assessed </div><div class=\"t m1 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs3eb\">to determine whether the assets should <span class=\"_ _7\"></span>be classified as purchased or originated credit-impaired <span class=\"_ _7\"></span>assets (POCI). Where </div><div class=\"t m1 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs3ec\">derecognition is not appropriate, the gross <span class=\"_ _7\"></span>carrying amount of the applicable instruments is <span class=\"_ _7\"></span>recalculated as the present </div><div class=\"t m1 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs3ed\">value of the renegotiated or modified <span class=\"_ _7\"></span>contractual cash flows discounted at the original <span class=\"_ _7\"></span>effective interest rate (or credit </div><div class=\"t m1 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs3ee\">adjusted effective interest rate for POCI <span class=\"_ _7\"></span>financial assets). </div><div class=\"t m1 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs3ef\">The difference between the recalculated values <span class=\"_ _7\"></span>and the pre-modified gross carrying values of <span class=\"_ _7\"></span>the instruments are recorded </div><div class=\"t m1 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs3f0\">as a modification gain or loss <span class=\"_ _7\"></span>in the profit or loss. Gains and <span class=\"_ _7\"></span>losses arising from modifications for credit <span class=\"_ _7\"></span>reasons are recorded </div><div class=\"t m1 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs3f1\">as part of \u2018Credit Impairment\u2019 (see <span class=\"_ _7\"></span>Credit Impairment policy). </div><div class=\"t m1 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs3f2\">Modification gains and losses arising from <span class=\"_ _7\"></span>non-credit reasons are recognised either as part <span class=\"_ _7\"></span>of \u2018Credit Impairment\u2019 or </div><div class=\"t m1 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs3f3\">within<span class=\"_ gs36\"> </span>income depending on whether there has <span class=\"_ _7\"></span>been a change in the credit risk <span class=\"_ _7\"></span>on the financial asset subsequent to <span class=\"_ _7\"></span>the </div><div class=\"t m1 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs3f4\">modification. Modification gains and losses arising <span class=\"_ _7\"></span>on financial liabilities are recognised within income. <span class=\"_ _7\"></span>The movements </div><div class=\"t m1 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs3f5\">in<span class=\"_ gs36\"> </span>the applicable expected credit loss loan <span class=\"_ _7\"></span>positions are disclosed in further detail in <span class=\"_ _7\"></span>Risk Review.<span class=\"_ _3eb\"> </span></div>Accounting policy<span class=\"_ _3eb\"> </span>Fair values may be obtained from quoted market prices in active markets, recent market transactions, and valuation techniques, including discounted cash flow models <span class=\"_ _7\"></span>and option pricing models, as appropriate. Where <span class=\"_ _7\"></span>the initially recognised fair value of a derivative contract <span class=\"_ _7\"></span>is based on a valuation model that <span class=\"_ _7\"></span>uses inputs which are not observable <span class=\"_ _7\"></span>in the market, it<span class=\"_ gs36\"> </span>follows the same initial recognition accounting <span class=\"_ _7\"></span>policy as for other financial assets and <span class=\"_ _7\"></span>liabilities. All derivatives are carried as assets when fair value is <span class=\"_ _7\"></span>positive and as liabilities when fair value <span class=\"_ _7\"></span>is negative.<span class=\"_ _3eb\"> </span>Hedge accounting<span class=\"_ _3eb\"> </span>Under certain conditions, the Group may <span class=\"_ _7\"></span>designate a recognised asset or liability, a <span class=\"_ _7\"></span>firm commitment, highly probable forecast transaction or net investment of <span class=\"_ _7\"></span>a foreign operation into a formal hedge <span class=\"_ _7\"></span>accounting relationship with a derivative that has been entered to manage <span class=\"_ _7\"></span>interest rate and/or foreign exchange risks present <span class=\"_ _7\"></span>in the hedged item. The Group <span class=\"_ _7\"></span>has elected to continue applying IAS 39 <span class=\"_ _7\"></span>for hedge accounting.<span class=\"_ _3eb\"> </span>There are three categories of hedge <span class=\"_ _7\"></span>relationships: <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">Fair value hedge: to manage the fair value of interest rate and/or <span class=\"_ _7\"></span>foreign currency risks of recognised assets <span class=\"_ _7\"></span>or liabilities </span>or<span class=\"_ gs36\"> </span>firm commitments <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">Cash flow hedge: to manage interest rate or foreign exchange risk of <span class=\"_ _7\"></span>highly probable future cash flows attributable </span>to<span class=\"_ gs36\"> </span>a<span class=\"_ gs36\"> </span>recognised asset or liability, or a <span class=\"_ _7\"></span>forecasted transaction <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">Net investment hedge: to manage the structural foreign exchange risk of an <span class=\"_ _7\"></span>investment in a foreign operation<span class=\"_ _3eb\"> </span></span>The Group assesses, both at hedge <span class=\"_ _7\"></span>inception and on a quarterly basis, whether <span class=\"_ _7\"></span>the derivatives designated in hedge relationships are highly effective in offsetting <span class=\"_ _7\"></span>changes in fair values or cash flows <span class=\"_ _7\"></span>of hedged items. Hedges are considered to<span class=\"_ gs36\"> </span>be highly effective if all the <span class=\"_ _7\"></span>following criteria are met: <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">At inception of the hedge and throughout its life, the hedge is <span class=\"_ _7\"></span>prospectively expected to be highly effective <span class=\"_ _7\"></span>in achieving </span>offsetting changes in fair value or cash flows attributable to the hedged risk <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">Prospective and retrospective effectiveness of the hedge should be within a range <span class=\"_ _7\"></span>of 80\u2013125%. This is tested using </span>regression analysis  <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">This is tested using regression analysis where the slope of the regression <span class=\"_ _7\"></span>line must be between -0.80 and <span class=\"_ _7\"></span>-1.25 and </span>the<span class=\"_ gs36\"> </span>data pairs between the hedged item <span class=\"_ _7\"></span>and the hedging instrument are regressed to <span class=\"_ _7\"></span>a 95% confidence interval. The<span class=\"_ gs36\"> </span>regression co-efficient (R squared), which measures <span class=\"_ _7\"></span>the correlation between the variables in the <span class=\"_ _7\"></span>regression, is<span class=\"_ gs36\"> </span>at<span class=\"_ gs36\"> </span>least<span class=\"_ gs36\"> </span>80%.<span class=\"_ _3eb\"> </span>In the case of the hedge <span class=\"_ _7\"></span>of a forecast transaction, the transaction must <span class=\"_ _7\"></span>have a high probability of occurring <span class=\"_ _7\"></span>and must present an exposure to variations in <span class=\"_ _7\"></span>cash flows that are expected to affect <span class=\"_ _7\"></span>reported profit or loss.<span class=\"_ _3eb\"> </span>Fair value <span class=\"_ _7\"></span>hedge<span class=\"_ _3eb\"> </span>Changes in the fair value of <span class=\"_ _7\"></span>derivatives that are designated and qualify as <span class=\"_ _7\"></span>fair value hedging instruments are recorded in<span class=\"_ gs36\"> </span>net<span class=\"_ gs36\"> </span>trading income, together with any changes <span class=\"_ _7\"></span>in the fair value of the hedged <span class=\"_ _7\"></span>asset or liability that are attributable <span class=\"_ _7\"></span>to the<span class=\"_ gs36\"> </span>hedged risk. If the hedge no <span class=\"_ _7\"></span>longer meets the criteria for hedge accounting, <span class=\"_ _7\"></span>the adjustment to the carrying amount of<span class=\"_ gs36\"> </span>a<span class=\"_ gs36\"> </span>hedged item for which the effective <span class=\"_ _7\"></span>interest method is used is amortised to <span class=\"_ _7\"></span>the income statement over the remaining term to<span class=\"_ gs36\"> </span>maturity of the hedged item. <span class=\"_ _7\"></span>If the hedged item is sold or <span class=\"_ _7\"></span>repaid, the unamortised fair value adjustment <span class=\"_ _7\"></span>is recognised immediately in the income statement. For <span class=\"_ _7\"></span>financial assets classified as fair value through <span class=\"_ _7\"></span>other comprehensive income, the<span class=\"_ gs36\"> </span>hedge accounting adjustment attributable to the <span class=\"_ _7\"></span>hedged risk is included in net trading <span class=\"_ _7\"></span>income to match the hedging<span class=\"_ gs36\"> </span>derivative.<span class=\"_ _3eb\"> </span><div class=\"t m0 h27 ff8 fs16 fc1 sc0 ls1f ws1e gs577\">Cash flow <span class=\"_ _7\"></span>hedge<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs578\">The effective portion of changes in <span class=\"_ _7\"></span>the fair value of derivatives that are <span class=\"_ _7\"></span>designated and qualify as cash flow <span class=\"_ _7\"></span>hedging </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs579\">instruments are initially recognised in other <span class=\"_ _7\"></span>comprehensive income, accumulating in the cash flow <span class=\"_ _7\"></span>hedge reserve within </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs57a\">equity. These amounts are subsequently recycled <span class=\"_ _7\"></span>to the income statement in the periods <span class=\"_ _7\"></span>when the hedged item affects </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs57b\">profit or loss. Both the derivative <span class=\"_ _7\"></span>fair value movement and any recycled amount <span class=\"_ _7\"></span>are recorded in the \u2018Cashflow hedges\u2019 </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs57c\">line<span class=\"_ gs36\"> </span>item in other comprehensive income. </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs57d\">The Group assesses hedge effectiveness using <span class=\"_ _7\"></span>the hypothetical derivative method, which creates a <span class=\"_ _7\"></span>derivative instrument </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs57e\">to<span class=\"_ gs36\"> </span>serve as a proxy for the <span class=\"_ _7\"></span>hedged transaction. The terms of the hypothetical <span class=\"_ _7\"></span>derivative match the critical terms of <span class=\"_ _7\"></span>the </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs57f\">hedged item and it has a <span class=\"_ _7\"></span>fair value of zero at inception. The <span class=\"_ _7\"></span>hypothetical derivative and the actual derivative <span class=\"_ _7\"></span>are regressed </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs580\">to establish the statistical significance of <span class=\"_ _7\"></span>the hedge relationship. Any ineffective portion of <span class=\"_ _7\"></span>the gain or loss on the <span class=\"_ _7\"></span>hedging </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs581\">instrument is recognised in the net <span class=\"_ _7\"></span>trading income immediately.<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs582\">If a cash flow hedge is <span class=\"_ _7\"></span>discontinued, the amount accumulated in the cash <span class=\"_ _7\"></span>flow hedge reserve is released to <span class=\"_ _7\"></span>the income </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs583\">statement as and when the hedged <span class=\"_ _7\"></span>item affects the income statement.<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h9 ff1 fs2 fc3 sc0 ls2 ws0 gs584\">Should the Group consider the hedged future cash flows are no longer expected to occur due to reasons, the cumulative gain </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs585\">or loss will be immediately reclassified <span class=\"_ _7\"></span>to profit or loss.<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h27 ff8 fs16 fc1 sc0 ls1f ws1e gs586\">Net investment <span class=\"_ _7\"></span>hedge<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs587\">Hedges of net investments are accounted <span class=\"_ _7\"></span>for in a similar manner to cash <span class=\"_ _7\"></span>flow hedges, with gains and losses <span class=\"_ _7\"></span>arising on </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs588\">the<span class=\"_ gs36\"> </span>effective portion of the hedges recorded <span class=\"_ _7\"></span>in the line \u2018Exchange differences on translation <span class=\"_ _7\"></span>of foreign operations\u2019 in other </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs589\">comprehensive income, accumulating in the translation <span class=\"_ _7\"></span>reserve within equity. These amounts remain in <span class=\"_ _7\"></span>equity until the </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs58a\">net<span class=\"_ gs36\"> </span>investment is disposed of. The ineffective <span class=\"_ _7\"></span>portion of the hedges is recognised in <span class=\"_ _7\"></span>the net trading income immediately.<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h4 ff5 fs1 fc1 sc0 ls1 ws2 gs5d9\">Accounting policy<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs5da\">Refer to Note 13 Financial instruments <span class=\"_ _7\"></span>for the relevant accounting policy.<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h4 ff5 fs1 fc1 sc0 ls1 ws2 gs5dd\">Accounting policy<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs5de\">The Group purchases securities (a reverse <span class=\"_ _7\"></span>repurchase agreement \u2013 \u2018reverse repo\u2019) typically with <span class=\"_ _7\"></span>financial institutions subject </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs5df\">to a commitment to resell or <span class=\"_ _7\"></span>return the securities at a predetermined price. <span class=\"_ _7\"></span>These securities are not included in <span class=\"_ _7\"></span>the balance </div><div class=\"t m0 h9 ff1 fs2 fc3 sc0 ls2 ws0 gs5e0\">sheet as the Group does not acquire the risks and rewards of ownership, however they are recorded off-balance sheet as </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs5e1\">collateral received. Consideration paid (or cash <span class=\"_ _7\"></span>collateral provided) is accounted for as a <span class=\"_ _7\"></span>loan asset at amortised cost unless </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs5e2\">it is managed on a fair <span class=\"_ _7\"></span>value basis or designated at fair value <span class=\"_ _7\"></span>through profit or loss. In the <span class=\"_ _7\"></span>majority of cases through the </div><div class=\"t m0 h9 ff1 fs2 fc3 sc0 ls2 ws0 gs5e3\">contractual terms of a reverse repo arrangement, the Group as the transferee of the security collateral has the right to </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs5e4\">sell<span class=\"_ gs36\"> </span>or<span class=\"_ gs36\"> </span>repledge the asset concerned. </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs5e5\">The Group also sells securities (a <span class=\"_ _7\"></span>repurchase agreement \u2013 \u2018repo\u2019) subject to a <span class=\"_ _7\"></span>commitment to repurchase or redeem the </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs5e6\">securities at a predetermined price. The <span class=\"_ _7\"></span>securities are retained on the balance sheet <span class=\"_ _7\"></span>as the Group retains substantially all </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs5e7\">the<span class=\"_ gs36\"> </span>risks and rewards of ownership and <span class=\"_ _7\"></span>these securities are disclosed as pledged collateral. <span class=\"_ _7\"></span>Consideration received (or cash </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs5e8\">collateral received) is accounted for as <span class=\"_ _7\"></span>a financial liability at amortised cost unless <span class=\"_ _7\"></span>it is either mandatorily classified as <span class=\"_ _7\"></span>fair </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs5e9\">value through profit or loss or <span class=\"_ _7\"></span>irrevocably designated at fair value through profit <span class=\"_ _7\"></span>or loss at initial recognition. </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs5ea\">Repo and reverse repo transactions typically <span class=\"_ _7\"></span>entitle the Group and its counterparties to <span class=\"_ _7\"></span>have recourse to assets similar </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs5eb\">to<span class=\"_ gs36\"> </span>those provided as collateral in the <span class=\"_ _7\"></span>event of a default. Securities sold subject <span class=\"_ _7\"></span>to repos, either by way of <span class=\"_ _7\"></span>a Global Master </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs5ec\">Repurchase Agreement (GMRA), or through a <span class=\"_ _7\"></span>securities sale and Total Return Swap (TRS) <span class=\"_ _7\"></span>continue to be recognised </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs5ed\">on<span class=\"_ gs36\"> </span>the<span class=\"_ gs36\"> </span>balance sheet as the Group retains <span class=\"_ _7\"></span>substantially the associated risks and rewards of <span class=\"_ _7\"></span>the securities (the TRS is not </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs5ee\">recognised). Assets sold under repurchase agreements <span class=\"_ _7\"></span>are considered encumbered as the Group cannot <span class=\"_ _7\"></span>pledge these </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs5ef\">to<span class=\"_ gs36\"> </span>obtain funding<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h4 ff5 fs1 fc1 sc0 ls1 ws2 gs5f9\">Accounting policy<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h27 ff8 fs16 fc1 sc0 ls1f ws1e gs5fa\">Goodwill<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs5fb\">Goodwill on acquisitions of subsidiaries is <span class=\"_ _7\"></span>included in intangible assets. Goodwill on acquisitions <span class=\"_ _7\"></span>of associates is included </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs5fc\">in<span class=\"_ gs36\"> </span>Investments in associates and joint ventures. <span class=\"_ _7\"></span>Goodwill included in intangible assets is assessed <span class=\"_ _7\"></span>at each balance sheet </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs5fd\">date<span class=\"_ gs36\"> </span>for impairment and carried at cost <span class=\"_ _7\"></span>less any accumulated impairment losses. Gains and <span class=\"_ _7\"></span>losses on the disposal of an </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs5fe\">entity include the carrying amount of <span class=\"_ _7\"></span>goodwill relating to the entity sold. Detailed <span class=\"_ _7\"></span>calculations are performed based on </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs5ff\">forecasting expected cash flows of the <span class=\"_ _7\"></span>relevant cash generating units (CGUs) and discounting <span class=\"_ _7\"></span>these at an appropriate </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs600\">discount rate, the<span class=\"_ gs36\"> </span>determination of which requires <span class=\"_ _7\"></span>the exercise of judgement. Goodwill is allocated <span class=\"_ _7\"></span>to CGUs for the purpose </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs601\">of impairment testing. CGUs represent the <span class=\"_ _7\"></span>lowest level within the Group which generate <span class=\"_ _7\"></span>separate cash inflows and at which </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs602\">the goodwill is monitored for internal <span class=\"_ _7\"></span>management purposes. These are equal to or <span class=\"_ _7\"></span>smaller than the Group\u2019s reportable </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs603\">segments (as set out in Note <span class=\"_ _7\"></span>2) as the Group views its reportable <span class=\"_ _7\"></span>segments on a global basis. The <span class=\"_ _7\"></span>major CGUs to which </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs604\">goodwill has been allocated are set <span class=\"_ _7\"></span>out in the CGU table.<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h27 ff8 fs16 fc1 sc0 ls1f ws1e gs605\">Other accounting <span class=\"_ _7\"></span>estimates and <span class=\"_ _7\"></span>judgements<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs606\">The carrying amount of goodwill is <span class=\"_ _7\"></span>based on the application of judgements including <span class=\"_ _7\"></span>the basis of goodwill impairment </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs607\">calculation assumptions. Judgement is also applied <span class=\"_ _7\"></span>in determination of CGUs.<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs608\">Estimates include forecasts used for determining <span class=\"_ _7\"></span>cash flows for CGUs, the appropriate long-term <span class=\"_ _7\"></span>growth rates to use </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs609\">and<span class=\"_ gs36\"> </span>discount rates which factor in country <span class=\"_ _7\"></span>risk-free rates and applicable risk premiums. The <span class=\"_ _7\"></span>Group undertakes an annual </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs60a\">assessment to evaluate whether the carrying <span class=\"_ _7\"></span>value of goodwill is impaired. The estimation <span class=\"_ _7\"></span>of future cash flows and the </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs60b\">level<span class=\"_ gs36\"> </span>to which they are discounted is <span class=\"_ _7\"></span>inherently uncertain and requires significant judgement and <span class=\"_ _7\"></span>is subject to potential </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs60c\">change over time.<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h27 ff8 fs16 fc1 sc0 ls1f ws1e gs60d\">Acquired intangibles<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs60e\">At the date of acquisition of <span class=\"_ _7\"></span>a subsidiary or associate, intangible assets which <span class=\"_ _7\"></span>are deemed separable and that arise <span class=\"_ _7\"></span>from </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs60f\">contractual or other legal rights are <span class=\"_ _7\"></span>capitalised and included within the net identifiable <span class=\"_ _7\"></span>assets acquired. These intangible </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs610\">assets are initially measured at fair <span class=\"_ _7\"></span>value, which reflects market expectations of the <span class=\"_ _7\"></span>probability that the future economic </div><div class=\"t m0 h9 ff1 fs2 fc3 sc0 ls2 ws0 gs611\">benefits embodied in the asset will flow to the entity and are amortised on the basis of their expected useful lives (4 to </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs612\">16<span class=\"_ gs36\"> </span>years). At each balance sheet date, <span class=\"_ _7\"></span>these assets are assessed for indicators of <span class=\"_ _7\"></span>impairment. In the event that an <span class=\"_ _7\"></span>asset\u2019s </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs613\">carrying amount is determined to be <span class=\"_ _7\"></span>greater than its recoverable amount, the asset <span class=\"_ _7\"></span>is written down immediately to the </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs614\">recoverable amount.<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h27 ff8 fs16 fc1 sc0 ls1f ws1e gs615\">Computer software<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs616\">Acquired computer software licences are capitalised <span class=\"_ _7\"></span>on the basis of the costs incurred <span class=\"_ _7\"></span>to acquire and bring to use <span class=\"_ _7\"></span>the </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs617\">specific<span class=\"_ gs36\"> </span>software. </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs618\">Internally generated software represents substantially all <span class=\"_ _7\"></span>of the total software capitalised. Direct costs <span class=\"_ _7\"></span>of the development </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs619\">of separately identifiable internally generated software <span class=\"_ _7\"></span>are capitalised where it is probable that <span class=\"_ _7\"></span>future economic benefits </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs61a\">attributable to the software will flow <span class=\"_ _7\"></span>from its use. These costs include staff <span class=\"_ _7\"></span>remuneration costs such as salaries, statutory </div><div class=\"t m0 h9 ff1 fs2 fc3 sc0 ls2 ws0 gs61b\">payments and share-based payments, materials, service providers and contractors provided their time is directly attributable </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs61c\">to the software build. Costs incurred <span class=\"_ _7\"></span>in the ongoing maintenance of software are <span class=\"_ _7\"></span>expensed immediately when incurred. </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs61d\">Internally generated software is amortised over <span class=\"_ _7\"></span>each asset\u2019s useful life to a maximum <span class=\"_ _7\"></span>of 10 years. On an annual <span class=\"_ _7\"></span>basis residual </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs61e\">values and useful lives of software <span class=\"_ _7\"></span>assets, including software under development, are reviewed, <span class=\"_ _7\"></span>including assessing for </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs61f\">indicators of impairment. Indicators of impairment <span class=\"_ _7\"></span>include loss of business relevance, obsolescence, exit <span class=\"_ _7\"></span>of the business to </div><div class=\"t m0 h9 ff1 fs2 fc3 sc0 ls2 ws0 gs620\">which the software relates, technological changes, change in use of the asset, reduction in useful life, plans to reduce usage </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs621\">or scope.<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs622\">For capitalised software that is internally <span class=\"_ _7\"></span>generated, judgement is required to determine which <span class=\"_ _7\"></span>costs relate to research </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs623\">(expensed) and which costs relate to <span class=\"_ _7\"></span>development (capitalised). Further judgement is required to <span class=\"_ _7\"></span>determine the technical </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs624\">feasibility of completing the software such <span class=\"_ _7\"></span>that it will be available for use. <span class=\"_ _7\"></span>Estimates are used to determine how <span class=\"_ _7\"></span>the software </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs625\">will generate probable future economic benefits: <span class=\"_ _7\"></span>these estimates include cost savings, income increases, <span class=\"_ _7\"></span>balance sheet </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs626\">improvements, improved functionality or improved asset <span class=\"_ _7\"></span>safeguarding.<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs627\">Software as a Service (SaaS) and <span class=\"_ _7\"></span>similar cloud service models is a contractual <span class=\"_ _7\"></span>arrangement that conveys the right to <span class=\"_ _7\"></span>receive </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs628\">access to the supplier\u2019s software application <span class=\"_ _7\"></span>over the contract term. As such, the <span class=\"_ _7\"></span>Group does not have control and <span class=\"_ _7\"></span>as a result </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs629\">recognises an operating expense for these <span class=\"_ _7\"></span>costs over the contract term.<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h4 ff5 fs1 fc1 sc0 ls1 ws2 gs64b\">Accounting policy<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs64c\">All property, plant and equipment is <span class=\"_ _7\"></span>stated at cost less accumulated depreciation and <span class=\"_ _7\"></span>impairment losses. </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs64d\">Land and buildings comprise mainly branches <span class=\"_ _7\"></span>and offices. Freehold land is not depreciated <span class=\"_ _7\"></span>although it is subject </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs64e\">to<span class=\"_ gs36\"> </span>impairment testing. </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs64f\">Depreciation on other assets is calculated <span class=\"_ _7\"></span>using the straight-line method to allocate their <span class=\"_ _7\"></span>cost to their residual values over </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs650\">their estimated useful lives, as follows: </div><div class=\"t m0 h9 ff1 fs2 fc3 sc0 ls0 ws0 gs651\"> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ls2\">Owned premises<span class=\"_ _20c\"> </span></span> <span class=\"_ _190\"></span>\u2022<span class=\"_ _71\"> </span><span class=\"ls2\">up to 50 years</span></div><div class=\"t m0 h9 ff1 fs2 fc3 sc0 ls0 ws0 gs652\"> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ls2\">Leasehold premises<span class=\"_ _1e5\"> </span></span> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ls2\">up to 50 years</span></div><div class=\"t m0 h5 ff1 fs2 fc3 sc0 ls0 ws0 gs653\"> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ls2\">Leasehold improvements<span class=\"_ _11\"></span> <span class=\"_ _133\"> </span></span> <span class=\"_ _190\"></span>\u2022<span class=\"_ _71\"> </span><span class=\"ff4 ls2 ws1\">Shorter of remaining lease term and 10 years</span></div><div class=\"t m0 h9 ff1 fs2 fc3 sc0 ls0 ws0 gs654\"> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ls2\">Equipment and motor vehicles<span class=\"_ _11\"></span> <span class=\"_ _df\"> </span></span> <span class=\"_ _190\"></span>\u2022<span class=\"_ _71\"> </span><span class=\"ls2\">three to 15 years<span class=\"_ _3eb\"> </span></span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs655\">Where the Group is a lessee <span class=\"_ _7\"></span>of a right-of-use asset, the leased assets <span class=\"_ _7\"></span>are capitalised and included in Property, <span class=\"_ _7\"></span>plant and </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs656\">equipment with a corresponding liability to <span class=\"_ _7\"></span>the lessor recognised in other liabilities. The <span class=\"_ _7\"></span>accounting policy for lease assets </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs657\">is<span class=\"_ gs36\"> </span>set out in Note 19.<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h4 ff5 fs1 fc1 sc0 ls1 ws2 gs660\">Accounting policy<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs661\">Where the Group is a lessee <span class=\"_ _7\"></span>and the lease is deemed in scope <span class=\"_ _7\"></span>of IFRS 16, it recognises a <span class=\"_ _7\"></span>liability equal to the present value </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs662\">of<span class=\"_ gs36\"> </span>lease payments over the lease term, <span class=\"_ _7\"></span>discounted using the incremental borrowing rate applicable <span class=\"_ _7\"></span>in the economic </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs663\">environment of the lease. The liability <span class=\"_ _7\"></span>is recognised in \u2018Other liabilities\u2019. A corresponding <span class=\"_ _7\"></span>right-of-use asset equal to the </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs664\">liability, adjusted for any lease payments <span class=\"_ _7\"></span>made at or before the commencement date, <span class=\"_ _7\"></span>is recognised in \u2018Property, plant </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs665\">and<span class=\"_ gs36\"> </span>equipment\u2019. The lease term includes any <span class=\"_ _7\"></span>extension options contained in the contract that <span class=\"_ _7\"></span>the Group is reasonably </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs666\">certain it will exercise.<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h9 ff1 fs2 fc3 sc0 ls2 ws0 gs667\">The Group subsequently depreciates the right-of-use asset using the straight-line method over the lease term and </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs668\">measures<span class=\"_ gs36\"> </span>the lease liability using the effective <span class=\"_ _7\"></span>interest method. Depreciation on the asset is <span class=\"_ _7\"></span>recognised in \u2018Depreciation </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs669\">and<span class=\"_ gs36\"> </span>amortisation\u2019, and interest on the lease <span class=\"_ _7\"></span>liability is recognised in \u2018Interest expense\u2019.<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs66a\">If a leased premise, or a <span class=\"_ _7\"></span>physically distinct portion of a premise such <span class=\"_ _7\"></span>as an individual floor, is deemed <span class=\"_ _7\"></span>by management to be </div><div class=\"t m0 h9 ff1 fs2 fc3 sc0 ls2 ws0 gs66b\">surplus to the Group\u2019s needs and action has been taken to abandon the space before the lease expires, this is considered an </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs66c\">indicator of impairment. An impairment loss <span class=\"_ _7\"></span>is recognised if the right-of-use asset, or <span class=\"_ _7\"></span>portion thereof, has a carrying value <span class=\"_ _7\"></span>in </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs66d\">excess of its value-in-use when taking <span class=\"_ _7\"></span>into account factors such as the ability <span class=\"_ _7\"></span>and likelihood of obtaining a subtenant.<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs66e\">The key judgement in determining lease <span class=\"_ _7\"></span>balances is the determination of the lease <span class=\"_ _7\"></span>term, in particular whether the Group </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs66f\">is<span class=\"_ gs36\"> </span>reasonably certain that it will exercise <span class=\"_ _7\"></span>extension options present in lease contracts. On <span class=\"_ _7\"></span>initial recognition, the Group </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs670\">considers a range of characteristics such <span class=\"_ _7\"></span>as premises function, regional trends and the <span class=\"_ _7\"></span>term remaining on the lease to </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs671\">determine whether it is reasonably certain <span class=\"_ _7\"></span>that a contractual right to extend a <span class=\"_ _7\"></span>lease will be exercised. When there <span class=\"_ _7\"></span>are </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs672\">changes to assumptions the lease balances <span class=\"_ _7\"></span>are remeasured.<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs673\">The estimates involved are the determination <span class=\"_ _7\"></span>of incremental borrowing rates in the respective <span class=\"_ _7\"></span>economic environments. </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs674\">The<span class=\"_ gs36\"> </span>Group uses third-party broker quotes to <span class=\"_ _7\"></span>estimate its USD cost of senior unsecured <span class=\"_ _7\"></span>borrowing, then uses cross currency </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs675\">swap pricing information to determine the <span class=\"_ _7\"></span>equivalent cost of borrowing in other currencies. <span class=\"_ _7\"></span>If it is not possible to <span class=\"_ _7\"></span>estimate </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs676\">an<span class=\"_ gs36\"> </span>incremental borrowing rate through this process, <span class=\"_ _7\"></span>other proxies such as local government bond <span class=\"_ _7\"></span>yields are used.<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs678\">The Group primarily enters lease contracts <span class=\"_ _7\"></span>that grant it the right to use <span class=\"_ _7\"></span>premises such as office buildings and <span class=\"_ _7\"></span>retail branches.<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs679\">Existing lease liabilities may change in <span class=\"_ _7\"></span>future periods due to changes in assumptions <span class=\"_ _7\"></span>or decisions to exercise lease renewal </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs67a\">or<span class=\"_ gs36\"> </span>termination options, changes in payments due <span class=\"_ _7\"></span>to renegotiations of market rental rates as <span class=\"_ _7\"></span>permitted by those contracts </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs67b\">and changes to payments due to <span class=\"_ _7\"></span>rent being contractually linked to an inflation <span class=\"_ _7\"></span>index. In general the re-measurement of </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs67c\">a<span class=\"_ gs36\"> </span>lease liability under these circumstances leads <span class=\"_ _7\"></span>to an equal change to the right-of-use <span class=\"_ _7\"></span>asset balance, with no immediate </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs67d\">effect on the<span class=\"_ gs36\"> </span>income statement.<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h4 ff5 fs1 fc1 sc0 ls1 ws2 gs686\">Accounting Policy<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs687\">Upon reclassification property, plant and equipment <span class=\"_ _7\"></span>are measured at the lower of their <span class=\"_ _7\"></span>carrying amount and fair value less </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs688\">costs to sell. Financial instruments continue <span class=\"_ _7\"></span>to be measured per the accounting policies <span class=\"_ _7\"></span>in Note 13 Financial instruments.<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h9 ff1 fs2 fc3 sc0 ls2 ws0 gs689\">The assets below have been presented as held for sale following the approval of Group management and the transactions </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs68a\">are expected to complete in 2026.<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h4 ff5 fs1 fc1 sc0 ls1 ws2 gs5d9\">Accounting policy<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs5da\">Refer to Note 13 Financial instruments <span class=\"_ _7\"></span>for the relevant accounting policy.<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h4 ff5 fs1 fc1 sc0 ls1 ws2 gs68c\">Accounting policy<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs68d\">Refer to Note 13 Financial instruments <span class=\"_ _7\"></span>for the relevant accounting policy for financial <span class=\"_ _7\"></span>liabilities, Note 19 Leased assets </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs68e\">for<span class=\"_ gs36\"> </span>the<span class=\"_ gs36\"> </span>accounting policy for leases, and Note <span class=\"_ _7\"></span>31 Share-based payments for the accounting policy <span class=\"_ _7\"></span>for cash-settled <span class=\"ff1 ls0 ws0\"> </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs68f\">share-based<span class=\"_ gs36\"> </span>payments.<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h4 ff5 fs1 fc1 sc0 ls1 ws2 gs691\">Accounting policy<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs692\">The recognition and measurement of provisions <span class=\"_ _7\"></span>for liabilities and charges requires significant judgement <span class=\"_ _7\"></span>and the use </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs693\">of<span class=\"_ gs36\"> </span>estimates about uncertain future conditions or <span class=\"_ _7\"></span>events. </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs694\">Estimates include the best estimate of <span class=\"_ _7\"></span>the probability of outflow of economic resources, <span class=\"_ _7\"></span>cost of settling a provision and </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs695\">timing of settlement. Judgement is required <span class=\"_ _7\"></span>to assess inherently uncertain areas such as <span class=\"_ _7\"></span>the anticipated outcome and </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs696\">financial impact of legal claims and <span class=\"_ _7\"></span>regulatory and enforcement investigations and proceedings.<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h4 ff5 fs1 fc1 sc0 ls1 ws2 gs698\">Accounting policy<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs699\">Financial guarantee contracts and loan commitments<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs69a\">Financial guarantee contracts and any loan <span class=\"_ _7\"></span>commitments issued at below-market interest rates are <span class=\"_ _7\"></span>initially recognised at </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs69b\">their fair value as a financial <span class=\"_ _7\"></span>liability, and subsequently measured at the higher <span class=\"_ _7\"></span>of the initial value less the <span class=\"_ _7\"></span>cumulative amount </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs69c\">of income recognised and their expected <span class=\"_ _7\"></span>credit loss provision. Loan commitments may be <span class=\"_ _7\"></span>designated at fair value through </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs69d\">profit or loss where that is <span class=\"_ _7\"></span>the business model under which such contracts <span class=\"_ _7\"></span>are held. Notional values of financial <span class=\"_ _7\"></span>guarantee </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs69e\">contracts and loan commitments are disclosed <span class=\"_ _7\"></span>in the table below. </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs69f\">Financial guarantees, trade credits and irrevocable <span class=\"_ _7\"></span>letters of credit are the notional values <span class=\"_ _7\"></span>of contracts issued by the Group\u2019s </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs6a0\">Transaction Banking business for which an <span class=\"_ _7\"></span>obligation to make a payment has not <span class=\"_ _7\"></span>arisen at the reporting date. Transaction </div><div class=\"t m0 h9 ff1 fs2 fc3 sc0 ls2 ws0 gs6a1\">Banking will issue contracts to clients and counterparties of clients, whereby in the event the holder of the contract is not </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs6a2\">paid, the Group will reimburse the <span class=\"_ _7\"></span>holder of the contract for the actual <span class=\"_ _7\"></span>financial loss suffered. These contracts have <span class=\"_ _7\"></span>various </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs6a3\">legal forms such as letters of <span class=\"_ _7\"></span>credit, guarantee contracts and performance bonds. The <span class=\"_ _7\"></span>contracts are issued to facilitate </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs6a4\">trade<span class=\"_ gs36\"> </span>through export and import business and <span class=\"_ _7\"></span>provide guarantees to financial institutions where the <span class=\"_ _7\"></span>Group has a local </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs6a5\">presence, as<span class=\"_ gs36\"> </span>well as guaranteeing project financing <span class=\"_ _7\"></span>involving large construction projects undertaken by sovereigns <span class=\"_ _7\"></span>and </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs6a6\">corporates. The<span class=\"_ gs36\"> </span>contracts may contain performance clauses <span class=\"_ _7\"></span>which require the counterparty performing services or <span class=\"_ _7\"></span>providing </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs6a7\">goods to<span class=\"_ gs36\"> </span>meet certain conditions before a <span class=\"_ _7\"></span>right to payment is achieved, however the <span class=\"_ _7\"></span>Group does not guarantee this </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs6a8\">performance. The<span class=\"_ gs36\"> </span>Group will only guarantee the <span class=\"_ _7\"></span>credit of the counterparty paying for the <span class=\"_ _7\"></span>services or goods.<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs6a9\">Commitments are where the Group has <span class=\"_ _7\"></span>confirmed its intention to provide funds to <span class=\"_ _7\"></span>a customer or on behalf of <span class=\"_ _7\"></span>a customer </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs6aa\">under pre-specified terms and conditions in <span class=\"_ _7\"></span>the form of loans, overdrafts or future <span class=\"_ _7\"></span>guarantees whether cancellable or not </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs6ab\">and the Group has not made <span class=\"_ _7\"></span>payments at the balance sheet date; those <span class=\"_ _7\"></span>instruments are included in these financial </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs6ac\">statements as commitments. Some of these <span class=\"_ _7\"></span>commitments are considered on demand as the <span class=\"_ _7\"></span>Group may have to honour </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs6ad\">them, or the client may draw <span class=\"_ _7\"></span>down at any time.<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs6ae\">Capital commitments are contractual commitments the <span class=\"_ _7\"></span>Group has entered into to purchase non-financial <span class=\"_ _7\"></span>assets.<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h4 ff5 fs1 fc1 sc0 ls1 ws2 gs6b0\">Accounting policy<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs6b1\">Where appropriate, the Group recognises a <span class=\"_ _7\"></span>provision for liabilities when it is probable <span class=\"_ _7\"></span>that an outflow of economic <span class=\"ff1 ls0 ws0\"> </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs6b2\">resources embodying economic benefits will be <span class=\"_ _7\"></span>required, and for which a reliable estimate <span class=\"_ _7\"></span>can be made of the obligation. </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs6b3\">The uncertainties inherent in legal and <span class=\"_ _7\"></span>regulatory matters affect the amount and timing <span class=\"_ _7\"></span>of any potential outflows with </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs6b4\">respect to which provisions have been <span class=\"_ _7\"></span>established. These uncertainties also mean that it <span class=\"_ _7\"></span>is not possible to give an </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs6b5\">aggregate<span class=\"_ gs36\"> </span>estimate of contingent liabilities arising from <span class=\"_ _7\"></span>such legal and regulatory matters.<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h4 ff5 fs1 fc1 sc0 ls1 ws2 gs6f4\">Accounting policy<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs6f5\">Refer to Note 13 Financial instruments <span class=\"_ _7\"></span>for the relevant accounting policy.<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h4 ff5 fs1 fc1 sc0 ls1 ws2 gs6f7\">Accounting policy<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs6f8\">Securities which carry a discretionary coupon <span class=\"_ _7\"></span>and have no fixed maturity or redemption <span class=\"_ _7\"></span>date are classified as other equity </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs6f9\">instruments. Interest payments on these securities <span class=\"_ _7\"></span>are recognised, net of tax, as distributions <span class=\"_ _7\"></span>from equity in the period in </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs6fa\">which they are paid. </div><div class=\"t m0 h9 ff1 fs2 fc3 sc0 ls2 ws0 gs6fb\">Where the Company or other members of the consolidated Group purchase the Company\u2019s equity share capital, the </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs6fc\">consideration paid is deducted from the <span class=\"_ _7\"></span>total shareholders\u2019 equity of the Group and/or <span class=\"_ _7\"></span>of the Company as treasury shares </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs6fd\">until they are cancelled. Where such <span class=\"_ _7\"></span>shares are subsequently sold or reissued, any <span class=\"_ _7\"></span>consideration received is included in </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs6fe\">shareholders\u2019 equity of the Group and/or <span class=\"_ _7\"></span>the Company.<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h4 ff5 fs1 fc1 sc0 ls1 ws2 gs76a\">Accounting policy<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h9 ff1 fs2 fc3 sc0 ls2 ws0 gs76b\">The Group operates pension and other post-retirement benefit plans around the world, which are categorised into defined </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs76c\">contribution plans and defined benefit plans. </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs76d\">For defined contribution plans, the Group <span class=\"_ _7\"></span>pays contributions to publicly or privately administered <span class=\"_ _7\"></span>pension plans on a </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs76e\">statutory or contractual basis, and such <span class=\"_ _7\"></span>amounts are charged to operating expenses. The <span class=\"_ _7\"></span>Group has no further payment </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs76f\">obligations once the contributions have been <span class=\"_ _7\"></span>paid.<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs770\">For defined benefit plans, which promise <span class=\"_ _7\"></span>levels of payments where the future cost <span class=\"_ _7\"></span>is not known with certainty:</div><div class=\"t m0 h5 ff1 fs2 fc3 sc0 ls0 ws0 gs771\"> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">The accounting obligation is calculated annually by independent actuaries using the projected <span class=\"_ _7\"></span>unit method.</span></div><div class=\"t m0 h9 ff1 fs2 fc3 sc0 ls0 ws0 gs772\"> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ls2\">Actuarial gains and losses that arise are recognised in shareholders\u2019 equity and presented in the statement of other<span class=\"_ _11\"></span> </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs773\">comprehensive income in the period they <span class=\"_ _7\"></span>arise.</div><div class=\"t m0 h5 ff1 fs2 fc3 sc0 ls0 ws0 gs774\"> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">The Group determines the net interest expense on the net defined benefit <span class=\"_ _7\"></span>liability for the year by applying <span class=\"_ _7\"></span>the discount </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs775\">rate used to measure the defined <span class=\"_ _7\"></span>benefit obligation at the beginning of the <span class=\"_ _7\"></span>annual period to the net defined <span class=\"_ _7\"></span>benefit </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs776\">liability, taking into account any changes <span class=\"_ _7\"></span>in the net defined benefit liability during <span class=\"_ _7\"></span>the year as a result of <span class=\"_ _7\"></span>contributions </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs777\">and<span class=\"_ gs36\"> </span>benefit payments. Net interest expense, the <span class=\"_ _7\"></span>cost of the accrual of new benefits, <span class=\"_ _7\"></span>benefit enhancements (or reductions) </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs778\">and administration expenses met directly from <span class=\"_ _7\"></span>plan assets are recognised in the income <span class=\"_ _7\"></span>statement in the period in which </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs779\">they were incurred.<span class=\"_ _3eb\"> </span></div>Accounting policy<span class=\"_ _3eb\"> </span>The Group operates equity-settled and cash-settled <span class=\"_ _7\"></span>share-based compensation plans. The fair value of <span class=\"_ _7\"></span>the employee services (measured by the fair value <span class=\"_ _7\"></span>of the awards granted) received in exchange <span class=\"_ _7\"></span>for the grant of the shares <span class=\"_ _7\"></span>and awards is<span class=\"_ gs36\"> </span>recognised as an expense. For deferred <span class=\"_ _7\"></span>share awards granted as part of an <span class=\"_ _7\"></span>annual performance award, the expense is<span class=\"_ gs36\"> </span>recognised over the period from the <span class=\"_ _7\"></span>start of the performance period to the <span class=\"_ _7\"></span>vesting date. For example, the expense <span class=\"_ _7\"></span>for three-year awards granted in 2025 in <span class=\"_ _7\"></span>respect of 2024 performance, which vest in <span class=\"_ _7\"></span>2026-2028, is recognised as an expense over the period from 1 January <span class=\"_ _7\"></span>2024 to the vesting dates in 2026-2028. <span class=\"_ _7\"></span>For all other awards, the expense <span class=\"_ _7\"></span>is recognised over the period from the date of <span class=\"_ _7\"></span>grant to the vesting date.<span class=\"_ _3eb\"> </span>For equity-settled awards, the total amount to be expensed over the vesting period is determined by reference to the fair value of the shares and awards <span class=\"_ _7\"></span>at the date of grant, which excludes <span class=\"_ _7\"></span>the impact of any non-market vesting <span class=\"_ _7\"></span>conditions (for<span class=\"_ gs36\"> </span>example, profitability and growth targets). The <span class=\"_ _7\"></span>fair value of equity instruments granted is <span class=\"_ _7\"></span>based on market prices, if<span class=\"_ gs36\"> </span>available, at the date of grant. <span class=\"_ _7\"></span>In the absence of market prices, the <span class=\"_ _7\"></span>fair value of the instruments is <span class=\"_ _7\"></span>estimated using an appropriate valuation technique, such as a <span class=\"_ _7\"></span>binomial option pricing model. Non-market vesting conditions <span class=\"_ _7\"></span>are included in<span class=\"_ gs36\"> </span>assumptions for the number of shares <span class=\"_ _7\"></span>and awards that are expected to vest.<span class=\"_ _3eb\"> </span>At each balance sheet date, the <span class=\"_ _7\"></span>Group revises its estimates of the number <span class=\"_ _7\"></span>of shares and awards that are <span class=\"_ _7\"></span>expected to vest. It<span class=\"_ gs36\"> </span>recognises the impact of the revision <span class=\"_ _7\"></span>of original estimates, if any, in the <span class=\"_ _7\"></span>income statement and a corresponding adjustment to equity over the remaining vesting <span class=\"_ _7\"></span>period. Forfeitures prior to vesting attributable to <span class=\"_ _7\"></span>factors other than the failure to <span class=\"_ _7\"></span>satisfy service conditions and non-market vesting conditions <span class=\"_ _7\"></span>are treated as a cancellation and the <span class=\"_ _7\"></span>remaining unamortised charge is<span class=\"_ gs36\"> </span>debited to the income statement at <span class=\"_ _7\"></span>the time of cancellation. The proceeds received <span class=\"_ _7\"></span>net of any directly attributable transaction costs are credited to share <span class=\"_ _7\"></span>capital (nominal value) and share premium when <span class=\"_ _7\"></span>awards in the form of options are<span class=\"_ gs36\"> </span>exercised. Cash-settled awards are revalued at each <span class=\"_ _7\"></span>balance sheet date and a liability recognised <span class=\"_ _7\"></span>on the balance sheet for all unpaid<span class=\"_ gs36\"> </span>amounts, with any changes in fair <span class=\"_ _7\"></span>value charged or credited to staff costs <span class=\"_ _7\"></span>in the income statement until the <span class=\"_ _7\"></span>awards are exercised. Where forfeitures occur prior <span class=\"_ _7\"></span>to vesting that are attributable to factors <span class=\"_ _7\"></span>other than a failure to satisfy <span class=\"_ _7\"></span>service conditions or market-based performance conditions, the <span class=\"_ _7\"></span>cumulative charge incurred up to the date <span class=\"_ _7\"></span>of forfeiture is credited to<span class=\"_ gs36\"> </span>the income statement.<span class=\"_ _3eb\"> </span><div class=\"t m0 h4 ff5 fs1 fc1 sc0 ls1 ws2 gs881\">Accounting policy<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs882\">Associates and joint arrangements<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs883\">The Group did not have any <span class=\"_ _7\"></span>contractual interest in joint operations. </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs884\">Investments in associates and joint ventures <span class=\"_ _7\"></span>are accounted for by the equity method <span class=\"_ _7\"></span>of accounting and are initially </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs885\">recognised at cost. The Group\u2019s investment <span class=\"_ _7\"></span>in associates and joint ventures includes goodwill <span class=\"_ _7\"></span>identified on acquisition </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs6a3\">(net<span class=\"_ gs36\"> </span>of<span class=\"_ gs36\"> </span>any accumulated impairment loss). </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs886\">The Group\u2019s share of its associates\u2019 <span class=\"_ _7\"></span>and joint ventures\u2019 post-acquisition profits or losses <span class=\"_ _7\"></span>is recognised in the income </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs887\">statement, and its share of post-acquisition <span class=\"_ _7\"></span>movements in other comprehensive income is recognised <span class=\"_ _7\"></span>in reserves. </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs888\">The<span class=\"_ gs36\"> </span>cumulative post-acquisition movements are adjusted against <span class=\"_ _7\"></span>the carrying amount of the investment. When <span class=\"_ _7\"></span>the </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs889\">Group\u2019s<span class=\"_ gs36\"> </span>share of losses in an associate <span class=\"_ _7\"></span>or a joint venture equals or exceeds <span class=\"_ _7\"></span>its interest in the associate, including <span class=\"_ _7\"></span>any other </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs88a\">unsecured receivables, the Group does not <span class=\"_ _7\"></span>recognise further losses, unless it has incurred <span class=\"_ _7\"></span>obligations or made payments </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs88b\">on<span class=\"_ gs36\"> </span>behalf of the associate or joint <span class=\"_ _7\"></span>venture.<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs88c\">Unrealised gains and losses on transactions <span class=\"_ _7\"></span>between the Group and its associates and <span class=\"_ _7\"></span>joint ventures are eliminated to the </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs88d\">extent of the Group\u2019s interest in <span class=\"_ _7\"></span>the associates and joint ventures. At each <span class=\"_ _7\"></span>balance sheet date, the Group assesses <span class=\"_ _7\"></span>whether </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs88e\">there is any objective evidence of <span class=\"_ _7\"></span>impairment in the investment in associates and <span class=\"_ _7\"></span>joint ventures. Such evidence includes </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs88f\">a<span class=\"_ gs36\"> </span>significant or prolonged decline in the <span class=\"_ _7\"></span>fair value of the Group\u2019s investment in <span class=\"_ _7\"></span>an associate or joint venture below <span class=\"_ _7\"></span>its cost, </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs890\">among other factors.<span class=\"_ _3eb\"> </span></div><div class=\"t m1 h4 ff5 fs1 fc1 sc0 ls1 ws2 gs8a8\">Business combinations<span class=\"_ _3eb\"> </span></div><div class=\"t m1 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs8a9\">The acquisition method of accounting is <span class=\"_ _7\"></span>used to account for the acquisition of <span class=\"_ _7\"></span>subsidiaries by the Group. </div><div class=\"t m1 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs8aa\">In the Company\u2019s financial statements, investment <span class=\"_ _7\"></span>in subsidiaries, associates and joint ventures are <span class=\"_ _7\"></span>held at cost less </div><div class=\"t m1 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs8ab\">impairment and dividends from pre-acquisition profits <span class=\"_ _7\"></span>received prior to 1 January 2009, if <span class=\"_ _7\"></span>any. Inter-company transactions, </div><div class=\"t m1 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs8ac\">balances and unrealised gains and losses <span class=\"_ _7\"></span>on transactions between Group companies are eliminated <span class=\"_ _7\"></span>in the Group accounts.<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h4 ff5 fs1 fc1 sc0 ls1 ws2 gs943\">Accounting policy<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs944\">Structured entities are consolidated when the <span class=\"_ _7\"></span>substance of the relationship between the Group <span class=\"_ _7\"></span>and the structured entity </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs945\">indicates the Group has power over <span class=\"_ _7\"></span>the contractual relevant activities of the structured <span class=\"_ _7\"></span>entity, is exposed to variable returns, </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs946\">and can use that power to <span class=\"_ _7\"></span>affect the variable return exposure.<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs947\">In determining whether to consolidate a <span class=\"_ _7\"></span>structured entity to which assets have been <span class=\"_ _7\"></span>transferred, the Group takes into </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs948\">account its ability to direct the <span class=\"_ _7\"></span>relevant activities of the structured entity. These <span class=\"_ _7\"></span>relevant activities are generally evidenced </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs949\">through a unilateral right to liquidate <span class=\"_ _7\"></span>the structured entity, investment in a substantial <span class=\"_ _7\"></span>proportion of the securities issued </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs94a\">by<span class=\"_ gs36\"> </span>the structured entity or where the <span class=\"_ _7\"></span>Group holds specific subordinate securities that embody <span class=\"_ _7\"></span>certain controlling rights. </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs94b\">The<span class=\"_ gs36\"> </span>Group may further consider relevant activities <span class=\"_ _7\"></span>embedded within contractual arrangements such as call <span class=\"_ _7\"></span>options which </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs94c\">give the practical ability to direct <span class=\"_ _7\"></span>the entity, special relationships between the structured <span class=\"_ _7\"></span>entity and investors, and if a <span class=\"_ _7\"></span>single </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs94d\">investor has a large exposure to <span class=\"_ _7\"></span>variable returns of the structured entity.<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs94e\">Judgement is required in determining control <span class=\"_ _7\"></span>over structured entities. The purpose and design <span class=\"_ _7\"></span>of the entity is considered, </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs94f\">along with a determination of what <span class=\"_ _7\"></span>the relevant activities are of the entity <span class=\"_ _7\"></span>and who directs these. Further judgements <span class=\"_ _7\"></span>are </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs950\">made around which investor is exposed <span class=\"_ _7\"></span>to and absorbs the variable returns of <span class=\"_ _7\"></span>the structured entity. The Group will <span class=\"_ _7\"></span>have to </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs951\">weigh up all of these facts <span class=\"_ _7\"></span>to consider whether the Group, or another <span class=\"_ _7\"></span>involved party is acting as a <span class=\"_ _7\"></span>principal in its own right or </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs952\">as an agent on behalf of <span class=\"_ _7\"></span>others. Judgement is further required in the <span class=\"_ _7\"></span>ongoing assessment of control over structured <span class=\"_ _7\"></span>entities, </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs953\">specifically if market conditions have an <span class=\"_ _7\"></span>effect on the variable return exposure of <span class=\"_ _7\"></span>different investors.<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h4 ff5 fs1 fc1 sc0 ls1 ws2 gs99f\">Accounting policy<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs9a0\">Cash and cash equivalents includes:</div><div class=\"t m0 h9 ff1 fs2 fc3 sc0 ls0 ws0 gs9a1\"> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ls2\">Cash on hand and balances at central banks that are on demand or placements which are contractually due to mature<span class=\"_ _11\"></span> </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs9a2\">overnight only, except for restricted balances; <span class=\"_ _7\"></span>and</div><div class=\"t m0 h5 ff1 fs2 fc3 sc0 ls0 ws0 gs9a3\"> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">Other balances listed in the table below, when they have less than <span class=\"_ _7\"></span>three months\u2019 maturity from the date <span class=\"_ _7\"></span>of acquisition, </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs9a4\">are not subject to contractual restrictions, <span class=\"_ _7\"></span>are subject to insignificant changes in value, <span class=\"_ _7\"></span>are highly liquid and are held </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs9a5\">for<span class=\"_ gs36\"> </span>the purpose of meeting short-term cash <span class=\"_ _7\"></span>commitments. This includes products such as treasury <span class=\"_ _7\"></span>bills and other eligible </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs9a6\">bills,<span class=\"_ gs36\"> </span>short-term government securities, loans and advances <span class=\"_ _7\"></span>to banks (including reverse repos), and loans <span class=\"_ _7\"></span>and advances </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs9a7\">to<span class=\"_ gs36\"> </span>customers (only non demand or non <span class=\"_ _7\"></span>overnight placements at central banks), which are <span class=\"_ _7\"></span>held for appropriate business </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs9a8\">purposes. On demand accounts with non <span class=\"_ _7\"></span>central banks are reported as part of <span class=\"_ _7\"></span>\u2018Loans &amp; Advances to banks\u2019.<span class=\"_ _3eb\"> </span></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfMaterialAccountingPolicyInformationExplanatory",
    "language": "en",
    "entity": "scheme:U4LOSYZ7YG4W3S5F2G91",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-619": {
   "value": "<div class=\"t m0 h4 ff5 fs1 fc1 sc0 ls1 ws2 gsc4\">Statement of <span class=\"_ _7\"></span>compliance </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gsc5\">The Group financial statements consolidate Standard <span class=\"_ _7\"></span>Chartered PLC (the Company) and its subsidiaries <span class=\"_ _7\"></span>(together referred </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gsc6\">to as the Group) and equity <span class=\"_ _7\"></span>account the Group\u2019s interests in associates and <span class=\"_ _7\"></span>jointly controlled entities. The parent company </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gsc7\">financial statements present information about the <span class=\"_ _7\"></span>Company as a separate entity.<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gsc8\">The Group financial statements have been <span class=\"_ _7\"></span>prepared in accordance with UK-adopted international accounting <span class=\"_ _7\"></span>standards </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gsc9\">and International Financial Reporting <span class=\"_ _7\"></span>Standards (IFRS) (Accounting Standards) <span class=\"_ _7\"></span>as adopted by the <span class=\"_ _7\"></span>European Union (EU<span class=\"_ gs36\"> </span>IFRS), </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gsca\">as there are no applicable differences <span class=\"_ _7\"></span>for the periods presented. The Company financial <span class=\"_ _7\"></span>statements have been prepared </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls3b ws41 gscb\">in<span class=\"_ gs36\"> </span>accordance with <span class=\"_ _1b\"></span>UK-adopted international accounting <span class=\"_ _7\"></span>standards as <span class=\"_ _1b\"></span>applied in conformity <span class=\"_ _7\"></span>with section <span class=\"_ _1b\"></span>408 of the <span class=\"_ _7\"></span>Companies </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gscc\">Act 2006. The financial statements have <span class=\"_ _7\"></span>been prepared in accordance with the requirements <span class=\"_ _7\"></span>of the Companies Act 2006. </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gscd\">The following parts of the Risk <span class=\"_ _7\"></span>review and Capital review form part of <span class=\"_ _7\"></span>these financial statements:<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gsce\">a) Risk review: Disclosures marked as <span class=\"_ _7\"></span>\u2018audited\u2019 from the start of the Credit <span class=\"_ _7\"></span>Risk section to the end of <span class=\"_ _7\"></span>Other principal risks </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gscf\">in<span class=\"_ gs36\"> </span>the<span class=\"_ gs36\"> </span>same section.<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gsd0\">b) Capital review: Tables marked as <span class=\"_ _7\"></span>\u2018audited\u2019 from the start of \u2018CRD Capital <span class=\"_ _7\"></span>base\u2019 to the end of \u2018Movement <span class=\"_ _7\"></span>in total capital\u2019, </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gsd1\">excluding \u2018Total risk-weighted assets\u2019.<span class=\"_ _3eb\"> </span></div>IFRS and <span class=\"_ _7\"></span>Hong Kong <span class=\"_ _7\"></span>accounting requirements<span class=\"_ _3eb\"> </span>As required by the Hong Kong <span class=\"_ _7\"></span>Listing Rules, an explanation of the differences <span class=\"_ _7\"></span>in accounting practices between UK-adopted international accounting standards and EU IFRS, <span class=\"_ _7\"></span>and Hong Kong Financial Reporting Standards is <span class=\"_ _7\"></span>required to be disclosed. There would be no significant differences <span class=\"_ _7\"></span>had these accounts been prepared in accordance <span class=\"_ _7\"></span>with Hong Kong Financial Reporting Standards.<span class=\"_ _3eb\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:StatementOfIFRSCompliance",
    "language": "en",
    "entity": "scheme:U4LOSYZ7YG4W3S5F2G91",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-658": {
   "value": "Statement of <span class=\"_ _7\"></span>compliance The Group financial statements consolidate Standard <span class=\"_ _7\"></span>Chartered PLC (the Company) and its subsidiaries <span class=\"_ _7\"></span>(together referred to as the Group) and equity <span class=\"_ _7\"></span>account the Group\u2019s interests in associates and <span class=\"_ _7\"></span>jointly controlled entities. The parent company financial statements present information about the <span class=\"_ _7\"></span>Company as a separate entity.<span class=\"_ _3eb\"> </span>The Group financial statements have been <span class=\"_ _7\"></span>prepared in accordance with UK-adopted international accounting <span class=\"_ _7\"></span>standards and International Financial Reporting <span class=\"_ _7\"></span>Standards (IFRS) (Accounting Standards) <span class=\"_ _7\"></span>as adopted by the <span class=\"_ _7\"></span>European Union (EU<span class=\"_ gs36\"> </span>IFRS), as there are no applicable differences <span class=\"_ _7\"></span>for the periods presented. The Company financial <span class=\"_ _7\"></span>statements have been prepared in<span class=\"_ gs36\"> </span>accordance with <span class=\"_ _1b\"></span>UK-adopted international accounting <span class=\"_ _7\"></span>standards as <span class=\"_ _1b\"></span>applied in conformity <span class=\"_ _7\"></span>with section <span class=\"_ _1b\"></span>408 of the <span class=\"_ _7\"></span>Companies Act 2006. The financial statements have <span class=\"_ _7\"></span>been prepared in accordance with the requirements <span class=\"_ _7\"></span>of the Companies Act 2006. The following parts of the Risk <span class=\"_ _7\"></span>review and Capital review form part of <span class=\"_ _7\"></span>these financial statements:<span class=\"_ _3eb\"> </span>a) Risk review: Disclosures marked as <span class=\"_ _7\"></span>\u2018audited\u2019 from the start of the Credit <span class=\"_ _7\"></span>Risk section to the end of <span class=\"_ _7\"></span>Other principal risks in<span class=\"_ gs36\"> </span>the<span class=\"_ gs36\"> </span>same section.<span class=\"_ _3eb\"> </span>b) Capital review: Tables marked as <span class=\"_ _7\"></span>\u2018audited\u2019 from the start of \u2018CRD Capital <span class=\"_ _7\"></span>base\u2019 to the end of \u2018Movement <span class=\"_ _7\"></span>in total capital\u2019, excluding \u2018Total risk-weighted assets\u2019.<span class=\"_ _3eb\"> </span>Basis of <span class=\"_ _7\"></span>preparation<span class=\"_ _3eb\"> </span>The consolidated and Company financial statements <span class=\"_ _7\"></span>have been prepared on a going concern <span class=\"_ _7\"></span>basis and under the historical cost convention, as modified by the <span class=\"_ _7\"></span>revaluation of cash-settled share-based payments, fair value <span class=\"_ _7\"></span>through other comprehensive income, and financial assets and <span class=\"_ _7\"></span>liabilities (including derivatives) at fair value through <span class=\"_ _7\"></span>profit or loss.<span class=\"_ _3eb\"> </span>The consolidated financial statements are presented <span class=\"_ _7\"></span>in United States dollars ($), being the <span class=\"_ _7\"></span>presentation currency of the Group and functional currency of the <span class=\"_ _7\"></span>Company, and all values are rounded to <span class=\"_ _7\"></span>the nearest million dollars, except when otherwise indicated.<span class=\"_ _3eb\"> </span>Re-presentation of <span class=\"_ _7\"></span>segmental information During the period there has been <span class=\"_ _7\"></span>a change with respect to the classification <span class=\"_ _7\"></span>of income attributable to geographic markets which has been re-presented to ensure <span class=\"_ _7\"></span>recognition is in line with transfer pricing <span class=\"_ _7\"></span>principles for services performed including origination, structuring, booking, and risk management. <span class=\"_ _7\"></span>This is necessary to align the presentation <span class=\"_ _7\"></span>of the disclosure of<span class=\"_ gs36\"> </span>geographic markets\u2019 operating income with client <span class=\"_ _7\"></span>segments in line with the Regulatory News <span class=\"_ _7\"></span>Service (RNS) filing on Re-Presentation of Financial Information issued on <span class=\"_ _7\"></span>2 April 2025. Prior period amounts have <span class=\"_ _7\"></span>been re-presented in line with the<span class=\"_ gs36\"> </span>current year basis of preparation to <span class=\"_ _7\"></span>align with the information reviewed by the <span class=\"_ _7\"></span>Chief Operating Decision Maker (CODM). Where the re-presentation has impacted disclosure, <span class=\"_ _7\"></span>it is included within the footnotes in <span class=\"_ _7\"></span>the following sections and tables:  <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ls2\">Statement of results table<span class=\"_ _11\"></span> </span> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">Group Chief Financial Officer\u2019s review, Summary of financial performance table </span> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">Financial review tables including the following: Operating income by product, profit before <span class=\"_ _7\"></span>tax by client segment, </span>Adjusted net interest income and margin, and Restructuring, DVA, FFG and other items  <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">Supplementary financial information tables including the following: Underlying performance by client segment, <span class=\"_ _7\"></span>Corporate </span>&amp; Investment Banking, Wealth &amp; Retail Banking, Ventures, Central &amp; other items, Underlying performance by key market, and Quarterly underlying operating income by <span class=\"_ _7\"></span>product  <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">Underlying versus reported results reconciliations, Net interest income and Non NII table </span> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ls2\">Movement in risk-weighted assets</span> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">Risk review: Movement tables for Corporate &amp; Investment Banking (audited), Wealth &amp; <span class=\"_ _7\"></span>Retail Banking (audited), and </span>Wealth &amp; Retail Banking \u2013 Secured <span class=\"_ _7\"></span>(audited)  <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">Risk review: Credit impairment charge (audited) </span> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">Notes to the financial statements: Note 2 Segmental information and Note 4 <span class=\"_ _7\"></span>Net fees and commission<span class=\"_ _3eb\"> </span></span>Comparatives<span class=\"_ _3eb\"> </span>Certain comparatives on the Company Cash <span class=\"_ _7\"></span>flow Statement have been restated to align <span class=\"_ _7\"></span>with the current year presentation. This restatement has no impact to <span class=\"_ _7\"></span>the Company's Income Statement, Statement of Comprehensive <span class=\"_ _7\"></span>Income, Balance Sheet and Statement of Changes in Equity. <span class=\"_ _7\"></span> Details of these changes are set <span class=\"_ _7\"></span>out in the relevant sections and <span class=\"_ _7\"></span>notes below: <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ls2\">Cash flow statement</span> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ls2\">Note 34 Cash flow statement<span class=\"_ _3eb\"> </span></span>Change in <span class=\"_ _7\"></span>accounting policy Prior year amounts for certain Credit <span class=\"_ _7\"></span>risk tables (required by IFRS 7 \u2013 <span class=\"_ _7\"></span>Financial Instruments: Disclosures) within the Risk review<span class=\"_ gs36\"> </span>on pages 218 to 308 were <span class=\"_ _7\"></span>also represented for a change in accounting <span class=\"_ _7\"></span>policy for the presentation of the <span class=\"_ _7\"></span>Group\u2019s geo-graphic disclosures to align to information <span class=\"_ _7\"></span>reported to key management personnel. These disclosures <span class=\"_ _7\"></span>changed from being based on a management view, <span class=\"_ _7\"></span>which was principally the location from which <span class=\"_ _7\"></span>a client relationship is managed, to<span class=\"_ gs36\"> </span>being based on a view reflecting <span class=\"_ _7\"></span>the location in which exposures are financially <span class=\"_ _7\"></span>booked. This change provides more relevant information because it more closely <span class=\"_ _7\"></span>reflects the Group\u2019s exposure to risk presented <span class=\"_ _7\"></span>to key management personnel. The<span class=\"_ gs36\"> </span>change impacted the following tables: Loans <span class=\"_ _7\"></span>and advances analysis by client segment, credit <span class=\"_ _7\"></span>quality and key geography, Forborne and other modified loans <span class=\"_ _7\"></span>by key geography, and Industry and Retail <span class=\"_ _7\"></span>Products analysis of loans and advances by key geography \u2013 Corporate <span class=\"_ _7\"></span>&amp; Investment Banking and Central &amp; other <span class=\"_ _7\"></span>items. The most significant impact of <span class=\"_ _7\"></span>this change was in net loans and <span class=\"_ _7\"></span>advances to customers in the UK, which <span class=\"_ _7\"></span>increased by $14.6 billion. This amount <span class=\"_ _7\"></span>was re-classified from a number of geographic locations. <span class=\"_ _7\"></span>There has been no impact to Earnings <span class=\"_ _7\"></span>Per Share or Diluted Earnings per <span class=\"_ _7\"></span>Share from this change. Refer to the bridge <span class=\"_ _7\"></span>tables in Note 40 on page 428 <span class=\"_ _7\"></span>for a reconciliation between the tables <span class=\"_ _7\"></span>previously disclosed at 31 December 2024 and the re-presented <span class=\"_ _7\"></span>tables in these financial statements.<span class=\"_ _3eb\"> </span>Significant and <span class=\"_ _7\"></span>other accounting <span class=\"_ _7\"></span>estimates and <span class=\"_ _1b\"></span>judgements<span class=\"_ _3eb\"> </span>In determining the carrying amounts of <span class=\"_ _7\"></span>certain assets and liabilities, the Group makes <span class=\"_ _7\"></span>assumptions of the effects of uncertain future events on those assets and <span class=\"_ _7\"></span>liabilities at the balance sheet date. The <span class=\"_ _7\"></span>Group\u2019s estimates and assumptions are based on<span class=\"_ gs36\"> </span>historical experience and expectation of future <span class=\"_ _7\"></span>events and are reviewed periodically. Further information <span class=\"_ _7\"></span>about key assumptions concerning the future, and other <span class=\"_ _7\"></span>key sources of estimation uncertainty and judgement, <span class=\"_ _7\"></span>are set out in the relevant disclosure notes for the areas <span class=\"_ _7\"></span>set out under the relevant headings below:<span class=\"_ _3eb\"> </span>Significant accounting <span class=\"_ _7\"></span>estimates and <span class=\"_ _7\"></span>critical judgements Significant accounting estimates and judgements represent <span class=\"_ _7\"></span>those items that have a significant risk <span class=\"_ _7\"></span>of causing a material adjustment to the carrying amounts of <span class=\"_ _7\"></span>assets and liabilities within the next year. <span class=\"_ _7\"></span>Significant accounting estimates and judgements are: <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">Expected credit loss calculations (Note 8)</span> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">Financial instruments measured at fair value (Note 13) </span> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">Investments in subsidiary undertakings, joint ventures and associates \u2013 China Bohai associate <span class=\"_ _7\"></span>accounting and impairment </span>analysis (Note 32)<span class=\"_ _3eb\"> </span>Macroeconomic and geopolitical uncertainty is already <span class=\"_ _7\"></span>embedded in the estimate of forward-looking cash <span class=\"_ _7\"></span>flows that affect the estimate of Expected credit loss <span class=\"_ _7\"></span>calculations and impact the recoverability of certain <span class=\"_ _7\"></span>assets, including of goodwill, deferred tax assets and investments in <span class=\"_ _7\"></span>subsidiary undertakings.<span class=\"_ _3eb\"> </span>Other areas <span class=\"_ _7\"></span>of accounting <span class=\"_ _7\"></span>estimate and <span class=\"_ _1b\"></span>judgement<span class=\"_ _3eb\"> </span>Other areas of accounting estimate and <span class=\"_ _7\"></span>judgement do not meet the definition under <span class=\"_ _7\"></span>IAS 1 of significant accounting estimates or critical accounting judgements, but <span class=\"_ _7\"></span>the recognition of certain material assets and <span class=\"_ _7\"></span>liabilities are based on assumptions and/or are subject to long-term <span class=\"_ _7\"></span>uncertainties. The other areas of accounting estimate <span class=\"_ _7\"></span>and judgement are: <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">Taxation (Note 10)</span> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">Goodwill and intangible assets \u2013 Goodwill impairment and Capitalisation of internally generated <span class=\"_ _7\"></span>software intangibles </span>(Note 9 and Note 17) <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">Provisions for liabilities and charges \u2013 Other provisions (Note 24)</span> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">Legal and regulatory matters (Note 26)</span> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">Retirement benefit obligations (Note 30)</span> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">Share-based payments (Note 31)<span class=\"_ _3eb\"> </span></span>Climate change <span class=\"_ _7\"></span>impact on <span class=\"_ _7\"></span>the Group\u2019s <span class=\"_ _1b\"></span>balance sheet Climate, and the impact of climate on the Group\u2019s balance sheet is considered as an area which can impact accounting estimates and judgments through the uncertainty of future events and the impact of that uncertainty on the Group\u2019s assets and liabilities, performance, or cash flows. The Group has assessed the impact <span class=\"_ _7\"></span>of climate risk on the financial report. <span class=\"_ _7\"></span>This is set out within the <span class=\"_ _7\"></span>non-financial and<span class=\"_ gs36\"> </span>sustainability information statement on page 50 <span class=\"_ _7\"></span>and the Sustainability Review, which incorporate the <span class=\"_ _7\"></span>Group\u2019s climate-related disclosures which align with the <span class=\"_ _7\"></span>recommendations from the Task Force for Climate <span class=\"_ _7\"></span>related Financial Disclosures (TCFD) and Hong Kong Listing <span class=\"_ _7\"></span>Requirements. Further risk disclosures have been provided <span class=\"_ _7\"></span>in the Principal Risks and Uncertainties section of the Annual <span class=\"_ _7\"></span>Report where the Group has described how <span class=\"_ _7\"></span>it manages climate risk, which manifests through the Group\u2019s business and operations <span class=\"_ _7\"></span>and impact the relevant Principal Risk Types <span class=\"_ _7\"></span>(PRTs). This is managed via the ESGR Risk Type framework.<span class=\"_ _3eb\"> </span>The areas of impact where judgements and the use of estimates have been applied were credit risk and the impact on lending portfolios; ESG features within issued <span class=\"_ _7\"></span>loans and bonds; physical risk on our <span class=\"_ _7\"></span>mortgage lending portfolio; and the corporate plan, in respect of which <span class=\"_ _7\"></span>forward looking cash flows impact the recoverability <span class=\"_ _7\"></span>of certain assets, including of goodwill, deferred tax assets and investments <span class=\"_ _7\"></span>in subsidiary undertakings. However, these did not <span class=\"_ _7\"></span>result in any material change to this year\u2019s balance sheet <span class=\"_ _7\"></span>or income statement.<span class=\"_ _3eb\"> </span>Transition risk, as our clients move <span class=\"_ _7\"></span>to lower carbon emitting revenues, (either by <span class=\"_ _7\"></span>virtue of legislation, technological advancement, or changing end customer preference) <span class=\"_ _7\"></span>is considered with reference to client transition <span class=\"_ _7\"></span>pathways and manifests over a longer term than <span class=\"_ _7\"></span>the maturity of the loan book (up <span class=\"_ _7\"></span>to 2050). The setting of net <span class=\"_ _7\"></span>zero targets, which covers our 12 highest emitting sectors, manages <span class=\"_ _7\"></span>transition risk. Net zero targets, climate risk <span class=\"_ _7\"></span>questionnaires which are used to assess clients for transition risks and the <span class=\"_ _7\"></span>credibility of their transition plan (CTP) enable <span class=\"_ _7\"></span>the portfolio managers to work with <span class=\"_ _7\"></span>our clients on their transition and deploy <span class=\"_ _7\"></span>capital to those clients which are engaged <span class=\"_ _7\"></span>and have adequate transition pathways. All<span class=\"_ gs36\"> </span>of these actions manage the Group\u2019s <span class=\"_ _7\"></span>transition risk and engage clients before transition <span class=\"_ _7\"></span>risk manifests itself into credit losses. We have also evaluated transition <span class=\"_ _7\"></span>risk to achieve net zero in our <span class=\"_ _7\"></span>own operations. We use scenario analysis <span class=\"_ _7\"></span>to evaluate how various Transition Risk scenarios impact <span class=\"_ _7\"></span>Loan Impairment intensities. These scenarios consider climate <span class=\"_ _7\"></span>transition costs including the impact of rising carbon <span class=\"_ _7\"></span>prices, technology investment costs and changes in <span class=\"_ _7\"></span>carbon intensities.<span class=\"_ _3eb\"> </span>While physical risk is included within <span class=\"_ _7\"></span>the majority of our mortgage lending decisions, <span class=\"_ _7\"></span>we have also applied scenario analysis against the pathways of different temperature outcomes to examine exposure concentration risk in key markets subject to<span class=\"_ gs36\"> </span>the extreme risk of floods and <span class=\"_ _7\"></span>storms to assess the acute physical risk, <span class=\"_ _7\"></span>and sea level rise to assess <span class=\"_ _7\"></span>the chronic physical risk. Stranded assets analysis was conducted for <span class=\"_ _7\"></span>residential mortgages to identify properties that are <span class=\"_ _7\"></span>expected to become uninhabitable and/or unusable due to increased <span class=\"_ _7\"></span>frequency and intensity of physical risk events <span class=\"_ _7\"></span>from acute and chronic risks. We evaluate the physical risk vulnerabilities <span class=\"_ _7\"></span>of our existing sites, both existing and <span class=\"_ _7\"></span>new on a periodic basis. Across <span class=\"_ _7\"></span>2025 we focused on sites hosting important business services, especially those vulnerable to extreme Physical Risks, to strengthen resilience, and have initiated an evaluation <span class=\"_ _7\"></span>of Physical Risk vulnerabilities at our primary <span class=\"_ _7\"></span>supplier\u2019s delivery sites to proactively address potential business disruptions. Additionally, we <span class=\"_ _7\"></span>assess the impact of climate risk on <span class=\"_ _7\"></span>the classification of \ufb01nancial instruments under IFRS 9, when Environmental, <span class=\"_ _7\"></span>Social or Governance (ESG) triggers may affect <span class=\"_ _7\"></span>the cash \ufb02ows received by<span class=\"_ gs36\"> </span>the<span class=\"_ gs36\"> </span>Group under the contractual terms of <span class=\"_ _7\"></span>the instrument.<span class=\"_ _3eb\"> </span>The ESGR Risk team has performed <span class=\"_ _7\"></span>a quantitative assessment of the impact of <span class=\"_ _7\"></span>climate risk on the IFRS 9 <span class=\"_ _7\"></span>ECL provision. This<span class=\"_ gs36\"> </span>assessment was performed across both the <span class=\"_ _7\"></span>CIB and WRB portfolios. The climate risk <span class=\"_ _7\"></span>impact assessment on IFRS 9 business as usual ECL has been <span class=\"_ _7\"></span>conducted based on internal climate risk models <span class=\"_ _7\"></span>for six Corporate priority sectors (Oil<span class=\"_ gs36\"> </span>and<span class=\"_ gs36\"> </span>Gas, Power, Steel, Mining, Shipping, and <span class=\"_ _7\"></span>Automotive), one Generic Carbon Elasticity Model (CEM) <span class=\"_ _7\"></span>for the remaining Corporate sectors, an enhanced Sovereign Climate <span class=\"_ _7\"></span>Probability of Default (PD) model, newly developed <span class=\"_ _7\"></span>Project Finance (PF)<span class=\"_ gs36\"> </span>and Shipping Finance (SF) PD models, <span class=\"_ _7\"></span>and Retail Mortgages Loss Given Default (LGD) <span class=\"_ _7\"></span>models (for top four countries). The<span class=\"_ gs36\"> </span>top-down approach is used for the <span class=\"_ _7\"></span>remaining portfolios without internal climate risk models. <span class=\"_ _7\"></span>The impact assessment resulted in only an immaterial ECL <span class=\"_ _7\"></span>increase across CIB and WRB, which has <span class=\"_ _7\"></span>been recorded as a management overlay <span class=\"_ _7\"></span>for the<span class=\"_ gs36\"> </span>2025 year end. The Group\u2019s corporate plan has a <span class=\"_ _7\"></span>five-year outlook and considers the highest emitting <span class=\"_ _7\"></span>sectors the Group finances. The<span class=\"_ gs36\"> </span>majority of the Group sector targets <span class=\"_ _7\"></span>are production/physical intensities which allow continued levels <span class=\"_ _7\"></span>of lending as long<span class=\"_ gs36\"> </span>as the products the client produce <span class=\"_ _7\"></span>have a decreasing carbon cost. For coal <span class=\"_ _7\"></span>mining and oil and gas, these <span class=\"_ _7\"></span>sectors have absolute targets which represent a decreasing <span class=\"_ _7\"></span>carbon budget. Coal mining is an immaterial <span class=\"_ _7\"></span>book, while for oil and gas lending is being actively monitored <span class=\"_ _7\"></span>on a portfolio basis <span class=\"_ _7\"></span>towards lower carbon counterparties and <span class=\"_ _7\"></span>technologies. The corporate plan is shorter term than many of the climate scenario outlooks but seeks to capture the nearer term performance as required by recoverability models. The Group <span class=\"_ _7\"></span>has for the fourth time in the <span class=\"_ _7\"></span>2026 corporate plan included anticipated credit impairment charges, now across eleven NZ <span class=\"_ _7\"></span>sectors (Aviation, Auto, Power, Oil and Gas, <span class=\"_ _7\"></span>Commercial Real Estate, Cement, Agriculture, Shipping, Aluminium, Steel and Coal). <span class=\"_ _7\"></span>This addition of credit impairment has not <span class=\"_ _7\"></span>in itself, materially impacted the recoverability of assets supported by discounted <span class=\"_ _7\"></span>cash flow models (such as Value in <span class=\"_ _7\"></span>Use) which utilise the corporate plan.<span class=\"_ _3eb\"> </span>The Group has progressively strengthened its <span class=\"_ _7\"></span>scenario analysis capabilities with the modelling of <span class=\"_ _7\"></span>Climate Risk impact over<span class=\"_ gs36\"> </span>a<span class=\"_ gs36\"> </span>30-year period across multiple dimensions including <span class=\"_ _7\"></span>scenario data and pathways across CIB and <span class=\"_ _7\"></span>WRB portfolios. While<span class=\"_ gs36\"> </span>we<span class=\"_ gs36\"> </span>have taken the first step in <span class=\"_ _7\"></span>our journey to transition from our reliance <span class=\"_ _7\"></span>on vendor models to in-house capabilities, challenges underpin the scenario analysis, such as reliance on nascent methodologies, dependencies on first generation models and data limitations. Notwithstanding these <span class=\"_ _7\"></span>challenges, our work to date, using certain <span class=\"_ _7\"></span>assumptions and proxies, indicates that our business is resilient <span class=\"_ _7\"></span>to all Network of Central Banks and <span class=\"_ _7\"></span>Supervisors for Greening the Financial System (NGFS) scenarios that were explored.<span class=\"_ _3eb\"> </span>The Group, although acknowledging the limitations <span class=\"_ _7\"></span>of current data available, increasing sophistication of <span class=\"_ _7\"></span>models evolving and nascent nature of climate impacts <span class=\"_ _7\"></span>on internal and client assets, considers Climate <span class=\"_ _7\"></span>Risk to have limited quantitative impact in the immediate term, and <span class=\"_ _7\"></span>as a longer-term risk is expected to <span class=\"_ _7\"></span>be addressed through its business strategy <span class=\"_ _7\"></span>and financial planning as the Group implements <span class=\"_ _7\"></span>its net zero journey. Accordingly, the Group <span class=\"_ _7\"></span>does not currently anticipate any significant residual impact on its financial <span class=\"_ _7\"></span>position, performance or cashflows over the short, <span class=\"_ _7\"></span>medium or long term.<span class=\"_ _3eb\"> </span>While providing more detail would be <span class=\"_ _7\"></span>market sensitive, the Group current and anticipated <span class=\"_ _7\"></span>future performance of opportunities can be seen in the <span class=\"_ _7\"></span>progression of our Sustainable Finance mobilisation, assets <span class=\"_ _7\"></span>and liabilities, and revenue, as<span class=\"_ gs36\"> </span>described within the Sustainability Review.<span class=\"_ _3eb\"> </span>IFRS and <span class=\"_ _7\"></span>Hong Kong <span class=\"_ _7\"></span>accounting requirements<span class=\"_ _3eb\"> </span>As required by the Hong Kong <span class=\"_ _7\"></span>Listing Rules, an explanation of the differences <span class=\"_ _7\"></span>in accounting practices between UK-adopted international accounting standards and EU IFRS, <span class=\"_ _7\"></span>and Hong Kong Financial Reporting Standards is <span class=\"_ _7\"></span>required to be disclosed. There would be no significant differences <span class=\"_ _7\"></span>had these accounts been prepared in accordance <span class=\"_ _7\"></span>with Hong Kong Financial Reporting Standards.<span class=\"_ _3eb\"> </span>New accounting <span class=\"_ _7\"></span>standards adopted <span class=\"_ _7\"></span>by the <span class=\"_ _1b\"></span>Group<span class=\"_ _3eb\"> </span>There were no new accounting standards <span class=\"_ _7\"></span>or interpretations adopted by the Group that <span class=\"_ _7\"></span>had a material effect on the <span class=\"_ _7\"></span>Group\u2019s Financial Statements in 2025.<span class=\"_ _3eb\"> </span>IFRS 18 <span class=\"_ _7\"></span>Presentation and <span class=\"_ _7\"></span>Disclosure in <span class=\"_ _1b\"></span>Financial Statements<span class=\"_ _3eb\"> </span>The new standard IFRS 18 was <span class=\"_ _7\"></span>issued in April 2024 and is effective <span class=\"_ _7\"></span>for annual reporting periods beginning on <span class=\"_ _7\"></span>or after 1 January 2027 but earlier application <span class=\"_ _7\"></span>is permitted. This new standard replaces IAS <span class=\"_ _7\"></span>1 Presentation of Financial Statements and amends IAS 7 <span class=\"_ _7\"></span>Statement of Cash Flows. <span class=\"_ _7\"></span>IFRS 18 introduces three <span class=\"_ _7\"></span>defined categories for income <span class=\"_ _7\"></span>and expenses \u2013 operating, investing and financing \u2013 to improve <span class=\"_ _7\"></span>the structure of the income statement, and <span class=\"_ _7\"></span>requires all companies to provide new defined subtotals, including operating profit. IFRS <span class=\"_ _7\"></span>18 will require disclosure of explanations of <span class=\"_ _7\"></span>company-specific measures that are related to the income <span class=\"_ _7\"></span>statement, referred to as management-defined performance measures. <span class=\"_ _7\"></span>IFRS 18 sets out enhanced guidance on how to organise <span class=\"_ _7\"></span>information and whether to provide it in <span class=\"_ _7\"></span>the primary financial statements or in <span class=\"_ _7\"></span>the notes. The Group will apply IFRS <span class=\"_ _7\"></span>18 for annual reporting periods beginning on <span class=\"_ _7\"></span>1 January 2027 and while the <span class=\"_ _7\"></span>Group assessment remains ongoing, it is currently not <span class=\"_ _7\"></span>expected to have a material impact on <span class=\"_ _7\"></span>the Group\u2019s financial statements other than changes in the presentation of the <span class=\"_ _7\"></span>primary statements.<span class=\"_ _3eb\"> </span>IFRS 9 <span class=\"_ _7\"></span>Financial Instruments <span class=\"_ _7\"></span>and IFRS <span class=\"_ _1b\"></span>7 Financial Instruments: Disclosures<span class=\"_ _3eb\"> </span>In May 2024, the IASB issued <span class=\"_ _7\"></span>Amendments to the Classification and Measurement of <span class=\"_ _7\"></span>Financial Instruments which amended requirements related to settling financial liabilities <span class=\"_ _7\"></span>using an electronic payment system and assessing <span class=\"_ _7\"></span>contractual cash flow characteristics of financial assets, including those <span class=\"_ _7\"></span>with environmental, social and governance (ESG)-linked features. <span class=\"_ _7\"></span>The IASB also amended disclosure requirements relating to investments in equity instruments designated at fair value through other comprehensive income and added disclosure requirements <span class=\"_ _7\"></span>for financial instruments with contingent features that <span class=\"_ _7\"></span>do not relate directly to basic lending risks <span class=\"_ _7\"></span>and costs. The amendments will be effective <span class=\"_ _7\"></span>for annual reporting periods beginning on or<span class=\"_ gs36\"> </span>after 1 January 2026. The amendments <span class=\"_ _7\"></span>are not expected to have a material <span class=\"_ _7\"></span>impact on the Group\u2019s financial statements.<span class=\"_ _3eb\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfExpectedImpactOfInitialApplicationOfNewStandardsOrInterpretations",
    "language": "en",
    "entity": "scheme:U4LOSYZ7YG4W3S5F2G91",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-39": {
   "value": "Standard Chartered PLC",
   "dimensions": {
    "concept": "ifrs-full:NameOfReportingEntityOrOtherMeansOfIdentification",
    "language": "en",
    "entity": "scheme:U4LOSYZ7YG4W3S5F2G91",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-617": {
   "value": "PLC",
   "dimensions": {
    "concept": "ifrs-full:LegalFormOfEntity",
    "language": "en",
    "entity": "scheme:U4LOSYZ7YG4W3S5F2G91",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-620": {
   "value": "<div class=\"t m0 h4 ff5 fs1 fc1 sc0 ls1 ws2 gsd3\">Basis of <span class=\"_ _7\"></span>preparation<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gsd4\">The consolidated and Company financial statements <span class=\"_ _7\"></span>have been prepared on a going concern <span class=\"_ _7\"></span>basis and under the historical </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gsd5\">cost convention, as modified by the <span class=\"_ _7\"></span>revaluation of cash-settled share-based payments, fair value <span class=\"_ _7\"></span>through other </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gsd6\">comprehensive income, and financial assets and <span class=\"_ _7\"></span>liabilities (including derivatives) at fair value through <span class=\"_ _7\"></span>profit or loss.<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gsd7\">The consolidated financial statements are presented <span class=\"_ _7\"></span>in United States dollars ($), being the <span class=\"_ _7\"></span>presentation currency of the </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gsd8\">Group and functional currency of the <span class=\"_ _7\"></span>Company, and all values are rounded to <span class=\"_ _7\"></span>the nearest million dollars, except when </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gsd9\">otherwise indicated.<span class=\"_ _3eb\"> </span></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfBasisOfPreparationOfFinancialStatementsExplanatory",
    "language": "en",
    "entity": "scheme:U4LOSYZ7YG4W3S5F2G91",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-678": {
   "value": "The consolidated financial statements are presented <span class=\"_ _7\"></span>in United States dollars ($), being the <span class=\"_ _7\"></span>presentation currency of the Group and functional currency of the <span class=\"_ _7\"></span>Company, and all values are rounded to <span class=\"_ _7\"></span>the nearest million dollars, except when otherwise indicated.<span class=\"_ _3eb\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForFunctionalCurrencyExplanatory",
    "language": "en",
    "entity": "scheme:U4LOSYZ7YG4W3S5F2G91",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-621": {
   "value": "<div class=\"t m0 h4 ff5 fs1 fc1 sc0 ls1 ws2 gsdb\">Re-presentation of <span class=\"_ _7\"></span>segmental information </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gsdc\">During the period there has been <span class=\"_ _7\"></span>a change with respect to the classification <span class=\"_ _7\"></span>of income attributable to geographic markets </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gsdd\">which has been re-presented to ensure <span class=\"_ _7\"></span>recognition is in line with transfer pricing <span class=\"_ _7\"></span>principles for services performed including </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gsde\">origination, structuring, booking, and risk management. <span class=\"_ _7\"></span>This is necessary to align the presentation <span class=\"_ _7\"></span>of the disclosure </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gsdf\">of<span class=\"_ gs36\"> </span>geographic markets\u2019 operating income with client <span class=\"_ _7\"></span>segments in line with the Regulatory News <span class=\"_ _7\"></span>Service (RNS) filing on </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gse0\">Re-Presentation of Financial Information issued on <span class=\"_ _7\"></span>2 April 2025. Prior period amounts have <span class=\"_ _7\"></span>been re-presented in line with </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gse1\">the<span class=\"_ gs36\"> </span>current year basis of preparation to <span class=\"_ _7\"></span>align with the information reviewed by the <span class=\"_ _7\"></span>Chief Operating Decision Maker (CODM). </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gse2\">Where the re-presentation has impacted disclosure, <span class=\"_ _7\"></span>it is included within the footnotes in <span class=\"_ _7\"></span>the following sections and tables: </div><div class=\"t m0 h9 ff1 fs2 fc3 sc0 ls0 ws0 gse3\"> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ls2\">Statement of results table<span class=\"_ _11\"></span> </span></div><div class=\"t m0 h5 ff1 fs2 fc3 sc0 ls0 ws0 gse4\"> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">Group Chief Financial Officer\u2019s review, Summary of financial performance table </span></div><div class=\"t m0 h5 ff1 fs2 fc3 sc0 ls0 ws0 gse5\"> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">Financial review tables including the following: Operating income by product, profit before <span class=\"_ _7\"></span>tax by client segment, </span></div><div class=\"t m0 h9 ff1 fs2 fc3 sc0 ls2 ws0 gse6\">Adjusted net interest income and margin, and Restructuring, DVA, FFG and other items </div><div class=\"t m0 h5 ff1 fs2 fc3 sc0 ls0 ws0 gse7\"> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">Supplementary financial information tables including the following: Underlying performance by client segment, <span class=\"_ _7\"></span>Corporate </span></div><div class=\"t m0 h9 ff1 fs2 fc3 sc0 ls2 ws0 gse8\">&amp; Investment Banking, Wealth &amp; Retail Banking, Ventures, Central &amp; other items, Underlying performance by key market, </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gse9\">and Quarterly underlying operating income by <span class=\"_ _7\"></span>product </div><div class=\"t m0 h5 ff1 fs2 fc3 sc0 ls0 ws0 gsea\"> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">Underlying versus reported results reconciliations, Net interest income and Non NII table </span></div><div class=\"t m0 h9 ff1 fs2 fc3 sc0 ls0 ws0 gseb\"> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ls2\">Movement in risk-weighted assets</span></div><div class=\"t m0 h5 ff1 fs2 fc3 sc0 ls0 ws0 gsec\"> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">Risk review: Movement tables for Corporate &amp; Investment Banking (audited), Wealth &amp; <span class=\"_ _7\"></span>Retail Banking (audited), and </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gsed\">Wealth &amp; Retail Banking \u2013 Secured <span class=\"_ _7\"></span>(audited) </div><div class=\"t m0 h5 ff1 fs2 fc3 sc0 ls0 ws0 gsee\"> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">Risk review: Credit impairment charge (audited) </span></div><div class=\"t m0 h5 ff1 fs2 fc3 sc0 ls0 ws0 gsef\"> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">Notes to the financial statements: Note 2 Segmental information and Note 4 <span class=\"_ _7\"></span>Net fees and commission<span class=\"_ _3eb\"> </span></span></div><div class=\"t m0 h4 ff5 fs1 fc1 sc0 ls1 ws2 gsf0\">Comparatives<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gsf1\">Certain comparatives on the Company Cash <span class=\"_ _7\"></span>flow Statement have been restated to align <span class=\"_ _7\"></span>with the current year presentation. </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gsf2\">This restatement has no impact to <span class=\"_ _7\"></span>the Company's Income Statement, Statement of Comprehensive <span class=\"_ _7\"></span>Income, Balance Sheet </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gsf3\">and Statement of Changes in Equity. <span class=\"_ _7\"></span> Details of these changes are set <span class=\"_ _7\"></span>out in the relevant sections and <span class=\"_ _7\"></span>notes below:</div><div class=\"t m0 h9 ff1 fs2 fc3 sc0 ls0 ws0 gsf4\"> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ls2\">Cash flow statement</span></div><div class=\"t m0 h9 ff1 fs2 fc3 sc0 ls0 ws0 gsf5\"> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ls2\">Note 34 Cash flow statement<span class=\"_ _3eb\"> </span></span></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfReclassificationsOrChangesInPresentationExplanatory",
    "language": "en",
    "entity": "scheme:U4LOSYZ7YG4W3S5F2G91",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-622": {
   "value": "<div class=\"t m1 h4 ff5 fs1 fc1 sc0 ls1 ws2 gsf7\">Change in <span class=\"_ _7\"></span>accounting policy </div><div class=\"t m1 h5 ff4 fs2 fc3 sc0 ls2 ws1 gsf8\">Prior year amounts for certain Credit <span class=\"_ _7\"></span>risk tables (required by IFRS 7 \u2013 <span class=\"_ _7\"></span>Financial Instruments: Disclosures) within the Risk </div><div class=\"t m1 h5 ff4 fs2 fc3 sc0 ls2 ws1 gsf9\">review<span class=\"_ gs36\"> </span>on pages 218 to 308 were <span class=\"_ _7\"></span>also represented for a change in accounting <span class=\"_ _7\"></span>policy for the presentation of the <span class=\"_ _7\"></span>Group\u2019s </div><div class=\"t m1 h5 ff4 fs2 fc3 sc0 ls2 ws1 gsfa\">geo-graphic disclosures to align to information <span class=\"_ _7\"></span>reported to key management personnel. These disclosures <span class=\"_ _7\"></span>changed from </div><div class=\"t m1 h5 ff4 fs2 fc3 sc0 ls2 ws1 gsfb\">being based on a management view, <span class=\"_ _7\"></span>which was principally the location from which <span class=\"_ _7\"></span>a client relationship is managed, </div><div class=\"t m1 h5 ff4 fs2 fc3 sc0 ls2 ws1 gsfc\">to<span class=\"_ gs36\"> </span>being based on a view reflecting <span class=\"_ _7\"></span>the location in which exposures are financially <span class=\"_ _7\"></span>booked. This change provides more </div><div class=\"t m1 h5 ff4 fs2 fc3 sc0 ls2 ws1 gsfd\">relevant information because it more closely <span class=\"_ _7\"></span>reflects the Group\u2019s exposure to risk presented <span class=\"_ _7\"></span>to key management personnel. </div><div class=\"t m1 h5 ff4 fs2 fc3 sc0 ls2 ws1 gsfe\">The<span class=\"_ gs36\"> </span>change impacted the following tables: Loans <span class=\"_ _7\"></span>and advances analysis by client segment, credit <span class=\"_ _7\"></span>quality and key </div><div class=\"t m1 h5 ff4 fs2 fc3 sc0 ls2 ws1 gsff\">geography, Forborne and other modified loans <span class=\"_ _7\"></span>by key geography, and Industry and Retail <span class=\"_ _7\"></span>Products analysis of loans and </div><div class=\"t m1 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs100\">advances by key geography \u2013 Corporate <span class=\"_ _7\"></span>&amp; Investment Banking and Central &amp; other <span class=\"_ _7\"></span>items. The most significant impact of <span class=\"_ _7\"></span>this </div><div class=\"t m1 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs101\">change was in net loans and <span class=\"_ _7\"></span>advances to customers in the UK, which <span class=\"_ _7\"></span>increased by $14.6 billion. This amount <span class=\"_ _7\"></span>was re-classified </div><div class=\"t m1 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs102\">from a number of geographic locations. <span class=\"_ _7\"></span>There has been no impact to Earnings <span class=\"_ _7\"></span>Per Share or Diluted Earnings per <span class=\"_ _7\"></span>Share from </div><div class=\"t m1 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs103\">this change. Refer to the bridge <span class=\"_ _7\"></span>tables in Note 40 on page 428 <span class=\"_ _7\"></span>for a reconciliation between the tables <span class=\"_ _7\"></span>previously disclosed at </div><div class=\"t m1 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs104\">31 December 2024 and the re-presented <span class=\"_ _7\"></span>tables in these financial statements.<span class=\"_ _3eb\"> </span></div>New accounting <span class=\"_ _7\"></span>standards adopted <span class=\"_ _7\"></span>by the <span class=\"_ _1b\"></span>Group<span class=\"_ _3eb\"> </span>There were no new accounting standards <span class=\"_ _7\"></span>or interpretations adopted by the Group that <span class=\"_ _7\"></span>had a material effect on the <span class=\"_ _7\"></span>Group\u2019s Financial Statements in 2025.<span class=\"_ _3eb\"> </span>IFRS 18 <span class=\"_ _7\"></span>Presentation and <span class=\"_ _7\"></span>Disclosure in <span class=\"_ _1b\"></span>Financial Statements<span class=\"_ _3eb\"> </span>The new standard IFRS 18 was <span class=\"_ _7\"></span>issued in April 2024 and is effective <span class=\"_ _7\"></span>for annual reporting periods beginning on <span class=\"_ _7\"></span>or after 1 January 2027 but earlier application <span class=\"_ _7\"></span>is permitted. This new standard replaces IAS <span class=\"_ _7\"></span>1 Presentation of Financial Statements and amends IAS 7 <span class=\"_ _7\"></span>Statement of Cash Flows. <span class=\"_ _7\"></span>IFRS 18 introduces three <span class=\"_ _7\"></span>defined categories for income <span class=\"_ _7\"></span>and expenses \u2013 operating, investing and financing \u2013 to improve <span class=\"_ _7\"></span>the structure of the income statement, and <span class=\"_ _7\"></span>requires all companies to provide new defined subtotals, including operating profit. IFRS <span class=\"_ _7\"></span>18 will require disclosure of explanations of <span class=\"_ _7\"></span>company-specific measures that are related to the income <span class=\"_ _7\"></span>statement, referred to as management-defined performance measures. <span class=\"_ _7\"></span>IFRS 18 sets out enhanced guidance on how to organise <span class=\"_ _7\"></span>information and whether to provide it in <span class=\"_ _7\"></span>the primary financial statements or in <span class=\"_ _7\"></span>the notes. The Group will apply IFRS <span class=\"_ _7\"></span>18 for annual reporting periods beginning on <span class=\"_ _7\"></span>1 January 2027 and while the <span class=\"_ _7\"></span>Group assessment remains ongoing, it is currently not <span class=\"_ _7\"></span>expected to have a material impact on <span class=\"_ _7\"></span>the Group\u2019s financial statements other than changes in the presentation of the <span class=\"_ _7\"></span>primary statements.<span class=\"_ _3eb\"> </span><div class=\"t m0 h4 ff5 fs1 fc1 sc0 ls1 ws2 gs17f\">IFRS 9 <span class=\"_ _7\"></span>Financial Instruments <span class=\"_ _7\"></span>and IFRS <span class=\"_ _1b\"></span>7 Financial Instruments: Disclosures<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs180\">In May 2024, the IASB issued <span class=\"_ _7\"></span>Amendments to the Classification and Measurement of <span class=\"_ _7\"></span>Financial Instruments which amended </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs181\">requirements related to settling financial liabilities <span class=\"_ _7\"></span>using an electronic payment system and assessing <span class=\"_ _7\"></span>contractual cash flow </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs182\">characteristics of financial assets, including those <span class=\"_ _7\"></span>with environmental, social and governance (ESG)-linked features. <span class=\"_ _7\"></span>The IASB </div><div class=\"t m0 h9 ff1 fs2 fc3 sc0 ls2 ws0 gs183\">also amended disclosure requirements relating to investments in equity instruments designated at fair value through other </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs184\">comprehensive income and added disclosure requirements <span class=\"_ _7\"></span>for financial instruments with contingent features that <span class=\"_ _7\"></span>do not </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs185\">relate directly to basic lending risks <span class=\"_ _7\"></span>and costs. The amendments will be effective <span class=\"_ _7\"></span>for annual reporting periods beginning on </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs186\">or<span class=\"_ gs36\"> </span>after 1 January 2026. The amendments <span class=\"_ _7\"></span>are not expected to have a material <span class=\"_ _7\"></span>impact on the Group\u2019s financial statements.<span class=\"_ _3eb\"> </span></div>40. Re-presentation tables <span class=\"_ _1b\"></span>of Credit risk disclosures <span class=\"_ _7\"></span>by key geography<span class=\"_ _3eb\"> </span>As set out in note 1 <span class=\"_ _7\"></span>to the financial statements, prior period amounts <span class=\"_ _7\"></span>for certain Credit risk tables (required <span class=\"_ _7\"></span>by IFRS 7 \u2013 Financial Instruments: Disclosures) within the Risk review <span class=\"_ _7\"></span>on pages 233 to 276 were also <span class=\"_ _7\"></span>re-presented for a change in accounting <span class=\"_ _7\"></span>policy for the presentation of the Group\u2019s geographic <span class=\"_ _7\"></span>disclosures to align to information reported to <span class=\"_ _7\"></span>key management personnel and<span class=\"_ gs36\"> </span>to incorporate loans reported in Central &amp; <span class=\"_ _7\"></span>other items into the tables on pages <span class=\"_ _7\"></span>238 and 244. The following tables <span class=\"_ _7\"></span>provide a<span class=\"_ gs36\"> </span>reconciliation between the tables previously disclosed <span class=\"_ _7\"></span>at 31 December 2024 and the re-presented <span class=\"_ _7\"></span>tables in these financial<span class=\"_ gs36\"> </span>statements.<span class=\"_ _3eb\"> </span>Loans and advances <span class=\"_ _1b\"></span>analysis by client segment, <span class=\"_ _7\"></span>credit quality and <span class=\"_ _1b\"></span>key geography \u2013<span class=\"_ gs5db\"> </span>Corporate &amp; Investment <span class=\"_ _1b\"></span>Banking and Central &amp; <span class=\"_ _7\"></span>other items (page <span class=\"_ _1b\"></span>244)<span class=\"_ _3eb\"> </span>Published table as of 31 December 2024<span class=\"_ _3eb\"> </span><table class=\"s wf3e h2bc\" id=\"_de8db98c-95fe-4203-8604-e009a4037ad1\"><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m0 xf3f h15b y6b63 ff1 fs66 fc3 sc0 ls51 ws0\">Corporate &amp; Investment Banking and Central &amp; other items<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m0 x1ca4 h15b y6b64 ff1 fs66 fc3 sc0 ls51 ws5c\">2024<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td class=\"c n xd34 y6b66 wf3f h2bd\"><div class=\"t m0 x1ed h15c y6b65 ff1 fs66 fc3 sc0 ls51 ws5c\">Gross<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"c n x1ca5 y6b66 wf40 h2be\"><div class=\"t m0 x1ed h15c y6b65 ff4 fs66 fc3 sc0 ls51 ws5c\">Credit Impairment\ue004<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"c n x1ca6 y6b68 wf41 h2bf\"><div class=\"t m0 x1ed h15b y6b67 ff1 fs66 fc3 sc0 ls51 ws0\">Stage 1<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td class=\"c n x1ca7 y6b68 wf42 h2bf\"><div class=\"t m0 x1ed h15b y6b67 ff1 fs66 fc3 sc0 ls51 ws0\">Stage 2<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td class=\"c n x1ca8 y6b68 wf43 h2bf\"><div class=\"t m0 x1ed h15b y6b67 ff1 fs66 fc3 sc0 ls51 ws0\">Stage 3<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ca9 y6b68 wf44 h2bf\"><div class=\"t m0 x1ed h15b y6b67 ff1 fs66 fc3 sc0 ls51 ws0\">Stage 1<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td class=\"c n x1caa y6b68 wf45 h2bf\" colspan=\"2\"><div class=\"t m0 x1ed h15b y6b67 ff1 fs66 fc3 sc0 ls51 ws0\">Stage 2<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n x1cab y6b68 wf46 h2bf\"><div class=\"t m0 x1ed h15b y6b67 ff1 fs66 fc3 sc0 ls51 ws0\">Stage 3<span class=\"_ _3eb\"> </span></div></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m0 xb97 h15b y6b69 ff1 fs66 fc3 sc0 ls51 ws5c\">Higher </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m0 x1cac h15b y6b69 ff1 fs66 fc3 sc0 ls51 ws5c\">Higher </td><td></td><td></td><td></td><td class=\"t m0 x1cad h15b y6b69 ff1 fs66 fc3 sc0 ls51 ws5c\">Total </td></tr><tr><td></td><td class=\"t m0 x1cae h15b y6b6a ff1 fs66 fc3 sc0 ls51 ws5c\">Strong<span class=\"ls0 ws0\"> </span></td><td class=\"t m0 x1caf h15b y6b6a ff1 fs66 fc3 sc0 ls51 ws5c\">Satisfactory<span class=\"ls0 ws0\"> </span></td><td class=\"t m0 x1cb0 h15b y6b6a ff1 fs66 fc3 sc0 ls51 ws5c\">Total<span class=\"ls0 ws0\"> </span></td><td class=\"t m0 x1cb1 h15b y6b6a ff1 fs66 fc3 sc0 ls51 ws5c\">Strong<span class=\"ls0 ws0\"> </span></td><td class=\"t m0 x1558 h15b y6b6a ff1 fs66 fc3 sc0 ls51 ws5c\">Satisfactory<span class=\"ls0 ws0\"> </span></td><td class=\"t m0 x1a2e h15b y6b6a ff1 fs66 fc3 sc0 ls51 ws5c\">Risk<span class=\"ls0 ws0\"> </span></td><td class=\"t m0 x1a31 h15b y6b6a ff1 fs66 fc3 sc0 ls51 ws5c\">Total<span class=\"ls0 ws0\"> </span></td><td></td><td class=\"t m0 x60d h15b y6b6a ff1 fs66 fc3 sc0 ls51 ws5c\">Defaulted<span class=\"ls0 ws0\"> </span></td><td class=\"t m0 x5fd h15b y6b6a ff1 fs66 fc3 sc0 ls51 ws5c\">Total<span class=\"ls0 ws0\"> </span></td><td class=\"t m0 x1ca4 h15b y6b6a ff1 fs66 fc3 sc0 ls51 ws5c\">Strong<span class=\"ls0 ws0\"> </span></td><td class=\"t m0 x11fe h15b y6b6a ff1 fs66 fc3 sc0 ls51 ws5c\">Satisfactory<span class=\"ls0 ws0\"> </span></td><td class=\"t m0 x5fe h15b y6b6a ff1 fs66 fc3 sc0 ls51 ws5c\">Total<span class=\"ls0 ws0\"> </span></td><td class=\"t m0 x8b4 h15b y6b6a ff1 fs66 fc3 sc0 ls51 ws5c\">Strong<span class=\"ls0 ws0\"> </span></td><td class=\"t m0 x1cb2 h15b y6b6a ff1 fs66 fc3 sc0 ls51 ws5c\">Satisfactory<span class=\"ls0 ws0\"> </span></td><td class=\"t m0 x8b5 h15b y6b6a ff1 fs66 fc3 sc0 ls51 ws5c\">Risk<span class=\"ls0 ws0\"> </span></td><td class=\"t m0 x1620 h15b y6b6a ff1 fs66 fc3 sc0 ls51 ws5c\">Total<span class=\"ls0 ws0\"> </span></td><td class=\"t m0 x1a33 h15b y6b6a ff1 fs66 fc3 sc0 ls51 ws5c\">Impaired<span class=\"ls0 ws0\"> </span></td><td class=\"t m0 x11c3 h15b y6b6a ff1 fs66 fc3 sc0 ls51 ws5c\">Total<span class=\"ls0 ws0\"> </span></td><td class=\"t m0 x1cb3 h15b y6b6a ff1 fs66 fc3 sc0 ls51 ws5c\">Coverage </td></tr><tr><td></td><td class=\"t m0 x1cb4 h15c y6b6b ff4 fs66 fc3 sc0 ls51 ws5c\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1cb5 h15c y6b6b ff4 fs66 fc3 sc0 ls51 ws5c\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xde2 h15c y6b6b ff4 fs66 fc3 sc0 ls51 ws5c\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1cb6 h15c y6b6b ff4 fs66 fc3 sc0 ls51 ws5c\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xd2c h15c y6b6b ff4 fs66 fc3 sc0 ls51 ws5c\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1cb7 h15c y6b6b ff4 fs66 fc3 sc0 ls51 ws5c\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1cb8 h15c y6b6b ff4 fs66 fc3 sc0 ls51 ws5c\">$million<span class=\"_ _3eb\"> </span></td><td></td><td class=\"t m0 xf3c h15c y6b6b ff4 fs66 fc3 sc0 ls51 ws5c\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x601 h15c y6b6b ff4 fs66 fc3 sc0 ls51 ws5c\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xf3d h15c y6b6b ff4 fs66 fc3 sc0 ls51 ws5c\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x8b8 h15c y6b6b ff4 fs66 fc3 sc0 ls51 ws5c\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x3ff h15c y6b6b ff4 fs66 fc3 sc0 ls51 ws5c\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xf45 h15c y6b6b ff4 fs66 fc3 sc0 ls51 ws5c\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x52d h15c y6b6b ff4 fs66 fc3 sc0 ls51 ws5c\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1cb9 h15c y6b6b ff4 fs66 fc3 sc0 ls51 ws5c\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xd32 h15c y6b6b ff4 fs66 fc3 sc0 ls51 ws5c\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xde5 h15c y6b6b ff4 fs66 fc3 sc0 ls51 ws5c\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x11c1 h15c y6b6b ff4 fs66 fc3 sc0 ls51 ws5c\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1658 h15b y6b6b ff1 fs66 fc3 sc0 ls0 ws0\">%<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c n x1ee y6b6d wf47 h205\"><div class=\"t m0 x1ed h9c y6b6c ff2 fs5e fc3 sc0 ls39 ws0\">Hong Kong<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1cba y6b6d wcff h21e\"><div class=\"t m0 x1ed h9c y6b6c ff1 fs5e fc3 sc0 ls39 ws3b\">32,552<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1cbb y6b6d wf48 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">12,079<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1cbc y6b6d w9be h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">44,631<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1cbd y6b6d wf49 h21e\"><div class=\"t m0 x1ed h9c y6b6c ff1 fs5e fc3 sc0 ls39 ws3b\">230<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1cbe y6b6d wf4a h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">1,539<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1cbf y6b6d wf4b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">64<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1cc0 y6b6d wf4c h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">1,833<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n x1cc1 y6b6d wf4d h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">1,272<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1cc2 y6b6d wf4d h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">1,272<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1cc3 y6b6d wf4e h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(8)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1cc4 y6b6d wf4e h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(8)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1cc5 y6b6d wf4f h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(16)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1cc6 y6b6d wf50 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(33)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1cc7 y6b6d w3e5 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(107)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1cc8 y6b6d wf51 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(9)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x14ca y6b6d wf52 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(149)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1cc9 y6b6d wf53 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(1,157)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1cca y6b6d wd8b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(1,157)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ccb y6b6d w1b2 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(2.8)%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x221 hc6 y6b6e ff1 fs5e fc3 sc0 ls39 ws3b\">Corporate </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y6b6f wf54 h21e\"><div class=\"t m0 x1ed h9c y6b6c ff1 fs5e fc3 sc0 ls39 ws3b\">Lending<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ccc y6b6f wf55 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">14,429<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ccd y6b6f wf56 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">6,180<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1cce y6b6f w46 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">20,609<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ccf y6b6f wf57 h21e\"><div class=\"t m0 x1ed h9c y6b6c ff1 fs5e fc3 sc0 ls39 ws3b\">225<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1cd0 y6b6f wf58 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">1,329<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1cd1 y6b6f wf4b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">64<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1cd2 y6b6f wf59 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">1,618<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n x1cd3 y6b6f wf5a h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">1,260<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1cd4 y6b6f wf5a h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">1,260<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1cd5 y6b6f wf5b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(5)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1cd6 y6b6f wf5c h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(4)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1cd7 y6b6f wf51 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(9)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1cd8 y6b6f wf50 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(33)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1cd9 y6b6f wf5d h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(102)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1cda y6b6f wf51 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(9)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1cdb y6b6f wf5e h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(144)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1cdc y6b6f wf53 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(1,157)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1cdd y6b6f wd8b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(1,157)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1cde y6b6f wf5f h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(5.6)%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x221 hc6 y6b70 ff1 fs5e fc3 sc0 ls39 ws0\">Non Corporate </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1ee y6b73 wf60 h2c0\"><div class=\"t m0 x1ed hc6 y6b71 ff1 fs5e fc3 sc0 ls39 ws3b\">Lending</div><div class=\"t m0 x7ca hc5 y6b72 ff1 fs60 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1cdf y6b74 wf61 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">4,567<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ce0 y6b74 wf62 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">2,730<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ce1 y6b74 wf63 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">7,297<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ce2 y6b74 wf64 h21e\"><div class=\"t m0 x1ed h9c y6b6c ff1 fs5e fc3 sc0 ls0 ws0\">4<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ce3 y6b74 wf65 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">206<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ce4 y6b74 wf66 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ce5 y6b74 wf67 h21e\"><div class=\"t m0 x1ed h9c y6b6c ff1 fs5e fc3 sc0 ls39 ws3b\">210<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n x1ce6 y6b74 wf68 h21e\"><div class=\"t m0 x1ed h9c y6b6c ff1 fs5e fc3 sc0 ls39 ws3b\">12<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ce7 y6b74 wf69 h21e\"><div class=\"t m0 x1ed h9c y6b6c ff1 fs5e fc3 sc0 ls39 ws3b\">12<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ce8 y6b74 wf6a h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(1)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ce9 y6b74 w67a h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(3)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1cea y6b74 wf5c h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(4)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ceb y6b74 wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1cec y6b74 wf5b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(5)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ced y6b74 wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1cee y6b74 wf5b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(5)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1cef y6b74 wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1cf0 y6b74 wf6c h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1cf1 y6b74 wf6d h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(0.1)%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6b75 wf6e h21e\"><div class=\"t m0 x1ed h9c y6b6c ff1 fs5e fc3 sc0 ls39 ws3b\">Banks<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1cf2 y6b75 wf6f h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">13,556<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1cf3 y6b75 wf70 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">3,169<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1cf4 y6b75 w5c5 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">16,725<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1cf5 y6b75 wf71 h21e\"><div class=\"t m0 x1ed h9c y6b6c ff1 fs5e fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1cf6 y6b75 wf72 h21e\"><div class=\"t m0 x1ed h9c y6b6c ff1 fs5e fc3 sc0 ls0 ws0\">4<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1cf7 y6b75 wf66 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1cf8 y6b75 wf73 h21e\"><div class=\"t m0 x1ed h9c y6b6c ff1 fs5e fc3 sc0 ls0 ws0\">5<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n x1cf9 y6b75 wf66 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1cfa y6b75 wf66 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1cfb y6b75 wf74 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(2)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1cfc y6b75 wf75 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(1)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1cfd y6b75 w67a h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(3)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1cfe y6b75 wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1cff y6b75 wf6c h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d00 y6b75 wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1606 y6b75 wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b28 y6b75 wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d01 y6b75 wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d02 y6b75 wf76 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(0.0)%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6b76 wf77 h205\"><div class=\"t m0 x1ed h9c y6b6c ff2 fs5e fc3 sc0 ls39 ws3b\">Singapore<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d03 y6b76 w9ed h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">31,129<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d04 y6b76 wf78 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">7,769<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d05 y6b76 wf79 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">38,898<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d06 y6b76 wf7a h21e\"><div class=\"t m0 x1ed h9c y6b6c ff1 fs5e fc3 sc0 ls39 ws3b\">500<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d07 y6b76 wf7b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">955<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d08 y6b76 wf7c h21e\"><div class=\"t m0 x1ed h9c y6b6c ff1 fs5e fc3 sc0 ls39 ws3b\">35<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d09 y6b76 wb83 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">1,490<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n x1d0a y6b76 wf7d h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">407<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d0b y6b76 wf7d h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">407<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d0c y6b76 wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d0d y6b76 wf4e h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(8)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d0e y6b76 wf7e h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(8)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d0f y6b76 wf7f h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(4)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d10 y6b76 wf80 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(14)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d11 y6b76 wf6c h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d12 y6b76 wf81 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(18)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d13 y6b76 wf82 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(196)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d14 y6b76 wf82 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(196)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d15 y6b76 wf83 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(0.5)%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x221 hc6 y6b77 ff1 fs5e fc3 sc0 ls39 ws3b\">Corporate </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y6b78 wf54 h21e\"><div class=\"t m0 x1ed h9c y6b6c ff1 fs5e fc3 sc0 ls39 ws3b\">Lending<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d16 y6b78 w1a3 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">7,333<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d17 y6b78 wf84 h21e\"><div class=\"t m0 x1ed h9c y6b6c ff1 fs5e fc3 sc0 ls39 ws3b\">4,003<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d18 y6b78 wf85 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">11,336<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d19 y6b78 wf86 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">469<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d1a y6b78 wf87 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">594<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d1b y6b78 wf7c h21e\"><div class=\"t m0 x1ed h9c y6b6c ff1 fs5e fc3 sc0 ls39 ws3b\">35<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1535 y6b78 wf56 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">1,098<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n x1d1c y6b78 wf88 h21e\"><div class=\"t m0 x1ed h9c y6b6c ff1 fs5e fc3 sc0 ls39 ws3b\">335<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d1d y6b78 wf88 h21e\"><div class=\"t m0 x1ed h9c y6b6c ff1 fs5e fc3 sc0 ls39 ws3b\">335<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d1e y6b78 wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d1f y6b78 wf89 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(6)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d20 y6b78 wf51 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(6)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d21 y6b78 wf5c h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(4)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d22 y6b78 wf8a h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(14)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d23 y6b78 wf6c h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d24 y6b78 wf81 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(18)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d25 y6b78 wf8b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(195)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d26 y6b78 wf8b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(195)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d27 y6b78 wdba h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(1.7)%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x221 hc6 y6b79 ff1 fs5e fc3 sc0 ls39 ws0\">Non Corporate </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1ee y6b7b wf60 h2c1\"><div class=\"t m0 x1ed hc6 y6b71 ff1 fs5e fc3 sc0 ls39 ws3b\">Lending</div><div class=\"t m0 x7ca hc5 y6b7a ff1 fs60 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d28 y6b7d wf8c h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">19,348<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d29 y6b7d wf8d h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">567<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d2a y6b7d wf8e h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">19,915<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d2b y6b7d wf8f h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">29<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d2c y6b7d wf90 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">358<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d2d y6b7d wf66 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d2e y6b7d wf91 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">387<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n x1d2f y6b7d wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d30 y6b7d wf66 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d31 y6b7d wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d32 y6b7d wf75 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(1)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d33 y6b7d wf6a h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(1)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d34 y6b7d wf6c h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d35 y6b7d wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d36 y6b7d wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d37 y6b7d wf6c h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d38 y6b7d wf6c h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d39 y6b7d wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d3a y6b7d wf92 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(0.0)%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6b7e wf6e h251\"><div class=\"t m0 x1ed h9c y6b7c ff1 fs5e fc3 sc0 ls39 ws3b\">Banks<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d3b y6b7e wf93 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">4,448<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d3c y6b7e wf70 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">3,199<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d3d y6b7e wa55 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">7,647<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d3e y6b7e wf94 h251\"><div class=\"t m0 x1ed h9c y6b7c ff1 fs5e fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d3f y6b7e wf95 h251\"><div class=\"t m0 x1ed h9c y6b7c ff1 fs5e fc3 sc0 ls0 ws0\">3<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d40 y6b7e wf66 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d41 y6b7e wf73 h251\"><div class=\"t m0 x1ed h9c y6b7c ff1 fs5e fc3 sc0 ls0 ws0\">5<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n x1d42 y6b7e wf96 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">72<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d43 y6b7e wf96 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">72<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d44 y6b7e wf66 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d45 y6b7e wf6a h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(1)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d46 y6b7e wf6a h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(1)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x19d1 y6b7e wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d47 y6b7e wf6c h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d48 y6b7e wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d49 y6b7e wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d4a y6b7e wf6a h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(1)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d4b y6b7e wf6a h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(1)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d4c y6b7e wf92 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(0.0)%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6b7f wf97 h205\"><div class=\"t m0 x1ed h9c y6b7c ff5 fs5e fc3 sc0 ls39 ws3b\">China<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d4d y6b7f wf98 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">10,380<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d4e y6b7f wf99 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">2,794<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d4f y6b7f wf9a h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">13,174<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d50 y6b7f wf9b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">49<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d51 y6b7f wf9c h251\"><div class=\"t m0 x1ed h9c y6b7c ff1 fs5e fc3 sc0 ls39 ws3b\">133<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d52 y6b7f wf9d h251\"><div class=\"t m0 x1ed h9c y6b7c ff1 fs5e fc3 sc0 ls39 ws3b\">14<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d53 y6b7f wf9e h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">196<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n x1d54 y6b7f wf9f h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">171<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1158 y6b7f wfa0 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">171<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d55 y6b7f w67a h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(3)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d56 y6b7f wf6a h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(1)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d57 y6b7f wf5c h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(4)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d58 y6b7f wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d59 y6b7f wf6c h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d5a y6b7f wf6c h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d5b y6b7f wf6c h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d5c y6b7f wfa1 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(86)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d5d y6b7f wfa1 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(86)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d5e y6b7f wfa2 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(0.7)%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x221 hc6 y6b80 ff1 fs5e fc3 sc0 ls39 ws3b\">Corporate </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y6b81 wf54 h251\"><div class=\"t m0 x1ed h9c y6b7c ff1 fs5e fc3 sc0 ls39 ws3b\">Lending<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d5f y6b81 wfa3 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">4,933<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d60 y6b81 w689 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">2,193<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d61 y6b81 wfa4 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">7,126<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d62 y6b81 wf9b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">49<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d63 y6b81 wf9c h251\"><div class=\"t m0 x1ed h9c y6b7c ff1 fs5e fc3 sc0 ls39 ws3b\">133<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d64 y6b81 wf9d h251\"><div class=\"t m0 x1ed h9c y6b7c ff1 fs5e fc3 sc0 ls39 ws3b\">14<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d65 y6b81 wf9e h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">196<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n x1d66 y6b81 wfa5 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">168<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d67 y6b81 wfa5 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">168<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d68 y6b81 wf6a h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(1)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d69 y6b81 wf6a h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(1)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d6a y6b81 wf74 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(2)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d6b y6b81 wf6c h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d6c y6b81 wf6c h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d6d y6b81 wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d6e y6b81 wf6c h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d6f y6b81 wfa6 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(83)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d70 y6b81 wfa6 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(83)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d71 y6b81 wfa7 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(1.1)%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x221 hc6 y6b82 ff1 fs5e fc3 sc0 ls39 ws0\">Non Corporate </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1ee y6b83 wf60 h2c1\"><div class=\"t m0 x1ed hc6 y6b71 ff1 fs5e fc3 sc0 ls39 ws3b\">Lending</div><div class=\"t m0 x7ca hc5 y6b7a ff1 fs60 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d72 y6b84 wfa8 h251\"><div class=\"t m0 x1ed h9c y6b7c ff1 fs5e fc3 sc0 ls39 ws3b\">3,241<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d73 y6b84 wfa9 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">363<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d74 y6b84 wfaa h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">3,604<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d75 y6b84 wf66 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d76 y6b84 wf66 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d77 y6b84 wf66 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d78 y6b84 wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n x1d79 y6b84 wf66 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d7a y6b84 wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d7b y6b84 wf6a h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(1)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d7c y6b84 wf66 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d7d y6b84 wf6a h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(1)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d7e y6b84 wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d7f y6b84 wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d80 y6b84 wf6c h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d81 y6b84 wf6c h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d82 y6b84 wf6c h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d83 y6b84 wf6c h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d84 y6b84 wf92 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(0.0)%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6b85 wf6e h251\"><div class=\"t m0 x1ed h9c y6b7c ff1 fs5e fc3 sc0 ls39 ws3b\">Banks<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d85 y6b85 wfab h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">2,206<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d86 y6b85 wfac h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">238<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d87 y6b85 wfad h251\"><div class=\"t m0 x1ed h9c y6b7c ff1 fs5e fc3 sc0 ls39 ws3b\">2,444<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d88 y6b85 wf66 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d89 y6b85 wf66 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d8a y6b85 wf66 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d8b y6b85 wf66 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n x1d8c y6b85 wf95 h251\"><div class=\"t m0 x1ed h9c y6b7c ff1 fs5e fc3 sc0 ls0 ws0\">3<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc72 y6b85 wf95 h251\"><div class=\"t m0 x1ed h9c y6b7c ff1 fs5e fc3 sc0 ls0 ws0\">3<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d8d y6b85 wf6a h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(1)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d8e y6b85 wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d8f y6b85 wf6a h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(1)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d90 y6b85 wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d91 y6b85 wf6c h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d92 y6b85 wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d93 y6b85 wf6c h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d94 y6b85 w67a h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(3)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d95 y6b85 wfae h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(3)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d96 y6b85 w661 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(0.2)%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6b86 wfaf h205\"><div class=\"t m0 x1ed h9c y6b7c ff2 fs5e fc3 sc0 ls39 ws3b\">UK<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d97 y6b86 wfb0 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">11,029<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d98 y6b86 w2bf h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">3,939<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d99 y6b86 we71 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">14,968<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d9a y6b86 wfb1 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">48<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d9b y6b86 wfb2 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">479<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d9c y6b86 wf95 h251\"><div class=\"t m0 x1ed h9c y6b7c ff1 fs5e fc3 sc0 ls0 ws0\">3<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d9d y6b86 we91 h251\"><div class=\"t m0 x1ed h9c y6b7c ff1 fs5e fc3 sc0 ls39 ws3b\">530<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n x1d9e y6b86 wfb3 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">316<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d9f y6b86 wfb3 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">316<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1da0 y6b86 wfb4 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(10)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1da1 y6b86 wf5c h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(4)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1da2 y6b86 wf8a h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(14)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1da3 y6b86 wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1da4 y6b86 wfb5 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(27)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1cc8 y6b86 wf51 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(6)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1da5 y6b86 wf50 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(33)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1da6 y6b86 w1c7 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(258)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1da7 y6b86 w1c7 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(258)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1993 y6b86 wf8c h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(1.9)%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x221 hc6 y6b87 ff1 fs5e fc3 sc0 ls39 ws3b\">Corporate </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y6b88 wf54 h251\"><div class=\"t m0 x1ed h9c y6b7c ff1 fs5e fc3 sc0 ls39 ws3b\">Lending<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1da8 y6b88 wfb6 h251\"><div class=\"t m0 x1ed h9c y6b7c ff1 fs5e fc3 sc0 ls39 ws3b\">325<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1da9 y6b88 wfb7 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">871<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1daa y6b88 w156 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">1,196<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1dab y6b88 wfb8 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">47<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1dac y6b88 wfb2 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">479<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1dad y6b88 wf71 h251\"><div class=\"t m0 x1ed h9c y6b7c ff1 fs5e fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1dae y6b88 wfb9 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">527<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n x1daf y6b88 wfba h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">258<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1db0 y6b88 wfba h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">258<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d55 y6b88 wfbb h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(9)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1db1 y6b88 wfbc h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(3)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1db2 y6b88 wfbd h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(12)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1db3 y6b88 wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1db4 y6b88 wfb5 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(27)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1db5 y6b88 wf51 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(6)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1db6 y6b88 wf50 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(33)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1db7 y6b88 wfbe h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(237)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1db8 y6b88 wfbe h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(237)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1db9 y6b88 w209 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(14.2)%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x221 hc6 y6b89 ff1 fs5e fc3 sc0 ls39 ws0\">Non Corporate </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1ee y6b8a wf60 h2c1\"><div class=\"t m0 x1ed hc6 y6b71 ff1 fs5e fc3 sc0 ls39 ws3b\">Lending</div><div class=\"t m0 x7ca hc5 y6b7a ff1 fs60 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1dba y6b8b wf8e h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">8,690<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1dbb y6b8b wfbf h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">982<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1dbc y6b8b wfc0 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">9,672<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1dbd y6b8b wf71 h251\"><div class=\"t m0 x1ed h9c y6b7c ff1 fs5e fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1dbe y6b8b wf66 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1dbf y6b8b wf66 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1dc0 y6b8b wfc1 h251\"><div class=\"t m0 x1ed h9c y6b7c ff1 fs5e fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n x1dc1 y6b8b wfc2 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">57<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1dc2 y6b8b wfc3 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">57<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1dc3 y6b8b wf6a h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(1)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1dc4 y6b8b wf6a h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(1)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1dc5 y6b8b wf74 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(2)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1dc6 y6b8b wf6c h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1dc7 y6b8b wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1dc8 y6b8b wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1dc9 y6b8b wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1dca y6b8b wfbd h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(21)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1dcb y6b8b wfbd h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(21)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1dcc y6b8b w661 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(0.2)%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6b8c wf6e h251\"><div class=\"t m0 x1ed h9c y6b7c ff1 fs5e fc3 sc0 ls39 ws3b\">Banks<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1dcd y6b8c wfc4 h251\"><div class=\"t m0 x1ed h9c y6b7c ff1 fs5e fc3 sc0 ls39 ws3b\">2,014<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1dce y6b8c wfc5 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">2,086<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1dcf y6b8c wfc6 h251\"><div class=\"t m0 x1ed h9c y6b7c ff1 fs5e fc3 sc0 ls39 ws3b\">4,100<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1dd0 y6b8c wf66 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1dd1 y6b8c wf66 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1dd2 y6b8c wf94 h251\"><div class=\"t m0 x1ed h9c y6b7c ff1 fs5e fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1dd3 y6b8c wfc7 h251\"><div class=\"t m0 x1ed h9c y6b7c ff1 fs5e fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n x1dd4 y6b8c wf71 h251\"><div class=\"t m0 x1ed h9c y6b7c ff1 fs5e fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1dd5 y6b8c wf71 h251\"><div class=\"t m0 x1ed h9c y6b7c ff1 fs5e fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1dd6 y6b8c wf66 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1dd7 y6b8c wf66 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1dd8 y6b8c wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1dd9 y6b8c wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1dda y6b8c wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ddb y6b8c wf6c h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ddc y6b8c wf6c h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ddd y6b8c wf6c h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1dde y6b8c wf6c h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ddf y6b8c wf92 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(0.0)%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6b8d wfc8 h205\"><div class=\"t m0 x1ed h9c y6b7c ff2 fs5e fc3 sc0 ls39 ws3b\">US<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1de0 y6b8d wf55 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">16,244<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1de1 y6b8d wfc9 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">4,456<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1de2 y6b8d wfca h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">20,700<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1de3 y6b8d wfcb h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">92<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1de4 y6b8d wfcc h251\"><div class=\"t m0 x1ed h9c y6b7c ff1 fs5e fc3 sc0 ls39 ws3b\">433<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1de5 y6b8d wfcd h251\"><div class=\"t m0 x1ed h9c y6b7c ff1 fs5e fc3 sc0 ls39 ws3b\">33<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1de6 y6b8d w475 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">558<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n x1de7 y6b8d wfce h251\"><div class=\"t m0 x1ed h9c y6b7c ff1 fs5e fc3 sc0 ls39 ws3b\">31<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1de8 y6b8d wfce h251\"><div class=\"t m0 x1ed h9c y6b7c ff1 fs5e fc3 sc0 ls39 ws3b\">31<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1de9 y6b8d wfcf h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(4)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1dea y6b8d wf6a h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(1)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1deb y6b8d wf5b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(5)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1dec y6b8d wf6a h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(1)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ded y6b8d wf6a h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(1)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1dee y6b8d wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1def y6b8d wf74 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(2)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1df0 y6b8d wfae h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(3)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1df1 y6b8d w67a h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(3)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1df2 y6b8d wf92 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(0.0)%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x221 hc6 y6b8e ff1 fs5e fc3 sc0 ls39 ws3b\">Corporate </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y6b8f wf54 h251\"><div class=\"t m0 x1ed h9c y6b7c ff1 fs5e fc3 sc0 ls39 ws3b\">Lending<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d5f y6b8f wfd0 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">5,426<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1df3 y6b8f wfa4 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">2,761<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1df4 y6b8f wd40 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">8,187<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1df5 y6b8f wfd1 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">77<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1df6 y6b8f wfd2 h251\"><div class=\"t m0 x1ed h9c y6b7c ff1 fs5e fc3 sc0 ls39 ws3b\">322<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1df7 y6b8f wf66 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1df8 y6b8f wfd3 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">399<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n x1df9 y6b8f wfd4 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">28<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1dfa y6b8f wfd4 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">28<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1dfb y6b8f w67a h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(3)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1dfc y6b8f wf75 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(1)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1dfd y6b8f wf5c h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(4)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1dfe y6b8f wf6a h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(1)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1dff y6b8f wf6a h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(1)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e00 y6b8f wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18a1 y6b8f wf74 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(2)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e01 y6b8f wf6c h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e02 y6b8f wf6c h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e03 y6b8f wf6d h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(0.1)%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x221 hc6 y6b90 ff1 fs5e fc3 sc0 ls39 ws0\">Non Corporate </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1ee y6b91 wf60 h2c1\"><div class=\"t m0 x1ed hc6 y6b71 ff1 fs5e fc3 sc0 ls39 ws3b\">Lending</div><div class=\"t m0 x7ca hc5 y6b7a ff1 fs60 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1cdf y6b92 wfd5 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">9,688<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e04 y6b92 wfd6 h251\"><div class=\"t m0 x1ed h9c y6b7c ff1 fs5e fc3 sc0 ls39 ws3b\">123<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e05 y6b92 wf59 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">9,811<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e06 y6b92 wfd7 h251\"><div class=\"t m0 x1ed h9c y6b7c ff1 fs5e fc3 sc0 ls39 ws3b\">15<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e07 y6b92 wfd8 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">79<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e08 y6b92 wf66 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e09 y6b92 wf4b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">94<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n x1e0a y6b92 wf95 h251\"><div class=\"t m0 x1ed h9c y6b7c ff1 fs5e fc3 sc0 ls0 ws0\">3<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e0b y6b92 wf95 h251\"><div class=\"t m0 x1ed h9c y6b7c ff1 fs5e fc3 sc0 ls0 ws0\">3<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e0c y6b92 wf6a h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(1)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e0d y6b92 wf66 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e0e y6b92 wf6a h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(1)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e0f y6b92 wf6c h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e10 y6b92 wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e11 y6b92 wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e12 y6b92 wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e13 y6b92 w67a h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(3)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e14 y6b92 w67a h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(3)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e15 y6b92 wf92 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(0.0)%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6b93 wf6e h251\"><div class=\"t m0 x1ed h9c y6b7c ff1 fs5e fc3 sc0 ls39 ws3b\">Banks<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e16 y6b93 wfd9 h251\"><div class=\"t m0 x1ed h9c y6b7c ff1 fs5e fc3 sc0 ls39 ws3b\">1,130<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e17 y6b93 wfda h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">1,572<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e18 y6b93 w1c7 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">2,702<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e19 y6b93 wf66 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e1a y6b93 wfdb h251\"><div class=\"t m0 x1ed h9c y6b7c ff1 fs5e fc3 sc0 ls39 ws3b\">32<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e1b y6b93 wfcd h251\"><div class=\"t m0 x1ed h9c y6b7c ff1 fs5e fc3 sc0 ls39 ws3b\">33<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e1c y6b93 wfdc h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">65<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n x1e1d y6b93 wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e1e y6b93 wf66 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e1f y6b93 wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e20 y6b93 wf66 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e21 y6b93 wf6c h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e22 y6b93 wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e23 y6b93 wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e24 y6b93 wf6c h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e25 y6b93 wf6c h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e26 y6b93 wf6c h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e27 y6b93 wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e28 y6b93 wf92 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(0.0)%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6b94 wfdd h205\"><div class=\"t m0 x1ed h9c y6b7c ff5 fs5e fc3 sc0 ls39 ws3b\">Others<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e29 y6b94 wfde h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">42,171<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e2a y6b94 wfdf h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">19,370<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e2b y6b94 wfe0 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">61,541<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e2c y6b94 we88 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">318<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e2d y6b94 wfe1 h251\"><div class=\"t m0 x1ed h9c y6b7c ff1 fs5e fc3 sc0 ls39 ws3b\">3,251<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e2e y6b94 wfa5 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">819<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e2f y6b94 wfe2 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">4,389<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n x1e30 y6b94 wf93 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">2,460<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e31 y6b94 wf93 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">2,460<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e32 y6b94 wfb4 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(10)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e33 y6b94 wfe3 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(33)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e34 y6b94 wfe4 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(43)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e35 y6b94 wfae h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(3)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e36 y6b94 wfe5 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(70)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e37 y6b94 weab h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(29)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e38 y6b94 wfe6 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(102)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e39 y6b94 wfe7 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(1,483)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e3a y6b94 wfe8 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(1,483)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e3b y6b94 wfe9 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(2.4)%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x221 hc6 y6b95 ff1 fs5e fc3 sc0 ls39 ws3b\">Corporate </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y6b96 wf54 h251\"><div class=\"t m0 x1ed h9c y6b7c ff1 fs5e fc3 sc0 ls39 ws3b\">Lending<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e3c y6b96 wfea h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">24,835<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e3d y6b96 w587 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">14,075<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e3e y6b96 wfeb h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">38,910<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e3f y6b96 wfec h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">291<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e40 y6b96 w649 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">2,048<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e41 y6b96 wfed h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">516<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e42 y6b96 w1ee h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">2,855<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n x1e43 y6b96 wfda h251\"><div class=\"t m0 x1ed h9c y6b7c ff1 fs5e fc3 sc0 ls39 ws3b\">2,221<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e44 y6b96 wfda h251\"><div class=\"t m0 x1ed h9c y6b7c ff1 fs5e fc3 sc0 ls39 ws3b\">2,221<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e45 y6b96 wf89 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(6)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e46 y6b96 weab h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(26)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e47 y6b96 wcc2 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(32)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e48 y6b96 w67a h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(3)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e49 y6b96 wfa6 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(38)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e4a y6b96 w47e h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(28)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e4b y6b96 wfee h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(69)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e4c y6b96 w6c7 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(1,333)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e4d y6b96 w6c7 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(1,333)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e4e y6b96 wfef h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(3.3)%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x221 hc6 y6b97 ff1 fs5e fc3 sc0 ls39 ws0\">Non Corporate </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1ee y6b98 wf60 h2c1\"><div class=\"t m0 x1ed hc6 y6b71 ff1 fs5e fc3 sc0 ls39 ws3b\">Lending</div><div class=\"t m0 x7ca hc5 y6b7a ff1 fs60 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d72 y6b99 w758 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">9,451<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e4f y6b99 wb40 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">3,590<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e50 y6b99 wff0 h251\"><div class=\"t m0 x1ed h9c y6b7c ff1 fs5e fc3 sc0 ls39 ws3b\">13,041<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e51 y6b99 wfc2 h251\"><div class=\"t m0 x1ed h9c y6b7c ff1 fs5e fc3 sc0 ls39 ws3b\">22<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e52 y6b99 wff1 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">1,117<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e53 y6b99 wff2 h251\"><div class=\"t m0 x1ed h9c y6b7c ff1 fs5e fc3 sc0 ls39 ws3b\">153<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e54 y6b99 wff3 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">1,292<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n x1e55 y6b99 wfd2 h251\"><div class=\"t m0 x1ed h9c y6b7c ff1 fs5e fc3 sc0 ls39 ws3b\">232<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e56 y6b99 wfd2 h251\"><div class=\"t m0 x1ed h9c y6b7c ff1 fs5e fc3 sc0 ls39 ws3b\">232<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e57 y6b99 wf66 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e58 y6b99 wf89 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(6)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e59 y6b99 wf51 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(6)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e5a y6b99 wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e5b y6b99 wff4 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(31)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e5c y6b99 wf6a h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(1)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e5d y6b99 wcc2 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(32)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e5e y6b99 wff5 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(149)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e5f y6b99 wff5 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(149)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e60 y6b99 wff6 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(1.3)%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6b9a wf6e h251\"><div class=\"t m0 x1ed h9c y6b7c ff1 fs5e fc3 sc0 ls39 ws3b\">Banks<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e61 y6b9a waa0 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">7,885<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e62 y6b9a wff7 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">1,705<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e63 y6b9a wff8 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">9,590<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e64 y6b9a wf73 h251\"><div class=\"t m0 x1ed h9c y6b7c ff1 fs5e fc3 sc0 ls0 ws0\">5<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e65 y6b9a wff9 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">86<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e66 y6b9a wffa h251\"><div class=\"t m0 x1ed h9c y6b7c ff1 fs5e fc3 sc0 ls39 ws3b\">150<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e67 y6b9a wffb h251\"><div class=\"t m0 x1ed h9c y6b7c ff1 fs5e fc3 sc0 ls39 ws3b\">241<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n x1e68 y6b9a wffc h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">7<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e69 y6b9a wffc h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">7<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e6a y6b9a wf5c h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(4)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1dea y6b9a wf6a h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(1)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1deb y6b9a wf5b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(5)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e6b y6b9a wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e6c y6b9a wf6a h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(1)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e6d y6b9a wf6c h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e6e y6b9a wf6a h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(1)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e6f y6b9a wf6a h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(1)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e70 y6b9a wf6a h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(1)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e71 y6b9a wf6d h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(0.1)%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6567 wffd h205\"><div class=\"t m0 x1ed h9c y6b7c ff5 fs5e fc3 sc0 ls39 ws3b\">Total<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e72 y6567 wffe h251\"><div class=\"t m0 x1ed h9c y6b7c ff1 fs5e fc3 sc0 ls39 ws3b\">143,505<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e73 y6567 wfff h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">50,407<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e74 y6567 w1000 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">193,912<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e75 y6567 w1001 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">1,237<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e76 y6567 w1002 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">6,790<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e77 y6567 w1003 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">968<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e78 y6567 w1004 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">8,996<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n x1e79 y6567 wf61 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">4,657<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e7a y6567 wf61 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">4,657<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e7b y6567 w6cd h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(35)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e7c y6567 w1005 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(55)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e7d y6567 w1006 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(90)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e7e y6567 wf80 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(41)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e7f y6567 w1007 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(219)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e80 y6567 w888 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(44)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e81 y6567 w1008 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(304)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e82 y6567 w1009 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(3,183)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e83 y6567 w1009 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(3,183)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e84 y6567 w100a h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(1.7)%<span class=\"_ _3eb\"> </span></div></td></tr></table>1 <span class=\"_ _b\"> </span><span class=\"ff4\">Refer to the equivalent table on page 244 of the Risk Review section.<span class=\"_ _3eb\"> </span></span>Adjustment table<span class=\"_ _3eb\"> </span><table class=\"s w100b h2bc\" id=\"_faaa7908-ef70-45e8-aad1-5d36f389a11e\"><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m0 x1e85 h15b y6b9b ff1 fs66 fc3 sc0 ls51 ws0\">Corporate &amp; Investment Banking and Central &amp; other items<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m0 x1e86 h15b y6b9c ff1 fs66 fc3 sc0 ls51 ws5c\">2024<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td class=\"c n x1e87 y6b66 wf3f h2bd\"><div class=\"t m0 x1ed h15c y6b65 ff1 fs66 fc3 sc0 ls51 ws5c\">Gross<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"c n x1e88 y6b66 wf40 h209\"><div class=\"t m0 x1ed h15c y6b65 ff4 fs66 fc3 sc0 ls51 ws5c\">Credit Impairment\ue004<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"c n x1e89 y6b9d wf41 h2c2\"><div class=\"t m0 x1ed h15b y6b67 ff1 fs66 fc3 sc0 ls51 ws0\">Stage 1<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td class=\"c n x1e8a y6b9d wf42 h2c2\"><div class=\"t m0 x1ed h15b y6b67 ff1 fs66 fc3 sc0 ls51 ws0\">Stage 2<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td class=\"c n x1e8b y6b9d wf43 h2c2\"><div class=\"t m0 x1ed h15b y6b67 ff1 fs66 fc3 sc0 ls51 ws0\">Stage 3<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e8c y6b9d wf41 h2c2\"><div class=\"t m0 x1ed h15b y6b67 ff1 fs66 fc3 sc0 ls51 ws0\">Stage 1<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td class=\"c n x1e8d y6b9d wf45 h2c2\"><div class=\"t m0 x1ed h15b y6b67 ff1 fs66 fc3 sc0 ls51 ws0\">Stage 2<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n x1e8e y6b9d wf46 h2c2\"><div class=\"t m0 x1ed h15b y6b67 ff1 fs66 fc3 sc0 ls51 ws0\">Stage 3<span class=\"_ _3eb\"> </span></div></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m0 x6b9 h15b y6b9e ff1 fs66 fc3 sc0 ls51 ws5c\">Higher </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m0 x12e8 h15b y6b9e ff1 fs66 fc3 sc0 ls51 ws5c\">Higher </td><td></td><td></td><td></td><td class=\"t m0 x1822 h15b y6b9e ff1 fs66 fc3 sc0 ls51 ws5c\">Total </td></tr><tr><td></td><td class=\"t m0 x1e8f h15b y6b9f ff1 fs66 fc3 sc0 ls51 ws5c\">Strong<span class=\"ls0 ws0\"> </span></td><td class=\"t m0 x1e90 h15b y6b9f ff1 fs66 fc3 sc0 ls51 ws5c\">Satisfactory<span class=\"ls0 ws0\"> </span></td><td class=\"t m0 x1e91 h15b y6b9f ff1 fs66 fc3 sc0 ls51 ws5c\">Total<span class=\"ls0 ws0\"> </span></td><td class=\"t m0 x1e92 h15b y6b9f ff1 fs66 fc3 sc0 ls51 ws5c\">Strong<span class=\"ls0 ws0\"> </span></td><td class=\"t m0 x66d h15b y6b9f ff1 fs66 fc3 sc0 ls51 ws5c\">Satisfactory<span class=\"ls0 ws0\"> </span></td><td class=\"t m0 x86c h15b y6b9f ff1 fs66 fc3 sc0 ls51 ws5c\">Risk<span class=\"ls0 ws0\"> </span></td><td class=\"t m0 x1970 h15b y6b9f ff1 fs66 fc3 sc0 ls51 ws5c\">Total<span class=\"ls0 ws0\"> </span></td><td class=\"t m0 x14b0 h15b y6b9f ff1 fs66 fc3 sc0 ls51 ws5c\">Defaulted<span class=\"ls0 ws0\"> </span></td><td class=\"t m0 x1e93 h15b y6b9f ff1 fs66 fc3 sc0 ls51 ws5c\">Total<span class=\"ls0 ws0\"> </span></td><td class=\"t m0 x1e94 h15b y6b9f ff1 fs66 fc3 sc0 ls51 ws5c\">Strong<span class=\"ls0 ws0\"> </span></td><td class=\"t m0 x2ce h15b y6b9f ff1 fs66 fc3 sc0 ls51 ws5c\">Satisfactory<span class=\"ls0 ws0\"> </span></td><td class=\"t m0 x6bd h15b y6b9f ff1 fs66 fc3 sc0 ls51 ws5c\">Total<span class=\"ls0 ws0\"> </span></td><td class=\"t m0 x668 h15b y6b9f ff1 fs66 fc3 sc0 ls51 ws5c\">Strong<span class=\"ls0 ws0\"> </span></td><td class=\"t m0 x1e95 h15b y6b9f ff1 fs66 fc3 sc0 ls51 ws5c\">Satisfactory<span class=\"ls0 ws0\"> </span></td><td class=\"t m0 x2d4 h15b y6b9f ff1 fs66 fc3 sc0 ls51 ws5c\">Risk<span class=\"ls0 ws0\"> </span></td><td class=\"t m0 x1e96 h15b y6b9f ff1 fs66 fc3 sc0 ls51 ws5c\">Total<span class=\"ls0 ws0\"> </span></td><td class=\"t m0 x96e h15b y6b9f ff1 fs66 fc3 sc0 ls51 ws5c\">Impaired<span class=\"ls0 ws0\"> </span></td><td class=\"t m0 x1280 h15b y6b9f ff1 fs66 fc3 sc0 ls51 ws5c\">Total<span class=\"ls0 ws0\"> </span></td><td class=\"t m0 xbf0 h15b y6b9f ff1 fs66 fc3 sc0 ls51 ws5c\">Coverage </td></tr><tr><td></td><td class=\"t m0 x1e97 h15c y6ba0 ff4 fs66 fc3 sc0 ls51 ws5c\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1e98 h15c y6ba0 ff4 fs66 fc3 sc0 ls51 ws5c\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1e99 h15c y6ba0 ff4 fs66 fc3 sc0 ls51 ws5c\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1e9a h15c y6ba0 ff4 fs66 fc3 sc0 ls51 ws5c\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1e9b h15c y6ba0 ff4 fs66 fc3 sc0 ls51 ws5c\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1275 h15c y6ba0 ff4 fs66 fc3 sc0 ls51 ws5c\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1631 h15c y6ba0 ff4 fs66 fc3 sc0 ls51 ws5c\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x4bc h15c y6ba0 ff4 fs66 fc3 sc0 ls51 ws5c\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x19a9 h15c y6ba0 ff4 fs66 fc3 sc0 ls51 ws5c\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x4bd h15c y6ba0 ff4 fs66 fc3 sc0 ls51 ws5c\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xadc h15c y6ba0 ff4 fs66 fc3 sc0 ls51 ws5c\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x970 h15c y6ba0 ff4 fs66 fc3 sc0 ls51 ws5c\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x2f2 h15c y6ba0 ff4 fs66 fc3 sc0 ls51 ws5c\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x672 h15c y6ba0 ff4 fs66 fc3 sc0 ls51 ws5c\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1e9c h15c y6ba0 ff4 fs66 fc3 sc0 ls51 ws5c\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1e9d h15c y6ba0 ff4 fs66 fc3 sc0 ls51 ws5c\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x6bb h15c y6ba0 ff4 fs66 fc3 sc0 ls51 ws5c\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x123c h15c y6ba0 ff4 fs66 fc3 sc0 ls51 ws5c\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1e9e h15b y6ba0 ff1 fs66 fc3 sc0 ls0 ws0\">%<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c n x1ee y6b6d wf47 h205\"><div class=\"t m0 x1ed h9c y6b6c ff2 fs5e fc3 sc0 ls39 ws0\">Hong Kong<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e9f y6b6d w100c h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">2,909<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ea0 y6b6d wf66 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ea1 y6b6d w100c h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">2,909<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ea2 y6b6d wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ea3 y6b6d wf66 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ea4 y6b6d wf66 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ea5 y6b6d wf66 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ea6 y6b6d w6ea h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(36)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1c6e y6b6d w100d h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(36)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ea7 y6b6d wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ea8 y6b6d wf6c h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ea9 y6b6d wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1eaa y6b6d wf6c h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1eab y6b6d wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1eac y6b6d wf6c h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ead y6b6d wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1eae y6b6d wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1eaf y6b6d wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1eb0 y6b6d wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x235 hc6 y6ba1 ff1 fs5e fc3 sc0 ls39 ws3b\">Corporate </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y6b6f wf54 h21e\"><div class=\"t m0 x1ed h9c y6b6c ff1 fs5e fc3 sc0 ls39 ws3b\">Lending<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1eb1 y6b6f w156 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">1,199<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1eb2 y6b6f wf66 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1eb3 y6b6f w156 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">1,199<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1eb4 y6b6f wf66 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1eb5 y6b6f wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1eb6 y6b6f wf66 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1eb7 y6b6f wf66 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1eb8 y6b6f w6ea h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(36)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1eb9 y6b6f w6ea h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(36)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d44 y6b6f wf66 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1eba y6b6f wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ebb y6b6f wf6c h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ebc y6b6f wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ebd y6b6f wf6c h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ebe y6b6f wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ebf y6b6f wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ec0 y6b6f wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ec1 y6b6f wf6c h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ec2 y6b6f wf6c h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x235 hc6 y6ba2 ff1 fs5e fc3 sc0 ls39 ws0\">Non Corporate </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1ee y6ba3 w100e h2c3\"><div class=\"t m0 x1ed hc6 y6b71 ff1 fs5e fc3 sc0 ls39 ws3b\">Lending</div><div class=\"t m0 x1ec3 hc5 y6b7a ff1 fs60 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ec4 y6ba4 wf9d h21e\"><div class=\"t m0 x1ed h9c y6b6c ff1 fs5e fc3 sc0 ls39 ws3b\">41<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ec5 y6ba4 wf66 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ec6 y6ba4 wf9d h21e\"><div class=\"t m0 x1ed h9c y6b6c ff1 fs5e fc3 sc0 ls39 ws3b\">41<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ec7 y6ba4 wf66 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ec8 y6ba4 wf66 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ec9 y6ba4 wf66 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1eca y6ba4 wf66 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ecb y6ba4 wf66 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ecc y6ba4 wf66 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ecd y6ba4 wf66 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ece y6ba4 wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ecf y6ba4 wf6c h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ed0 y6ba4 wf6c h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ed1 y6ba4 wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ed2 y6ba4 wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ed3 y6ba4 wf6c h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ed4 y6ba4 wf6c h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ed5 y6ba4 wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ed6 y6ba4 wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6b75 wf6e h21e\"><div class=\"t m0 x1ed h9c y6b6c ff1 fs5e fc3 sc0 ls39 ws3b\">Banks<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ed7 y6b75 waa4 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">1,669<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ed8 y6b75 wf66 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ed9 y6b75 waa4 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">1,669<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1eda y6b75 wf66 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d3f y6b75 wf66 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1edb y6b75 wf66 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1edc y6b75 wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1edd y6b75 wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ede y6b75 wf66 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1edf y6b75 wf66 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ee0 y6b75 wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ee1 y6b75 wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ee2 y6b75 wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ee3 y6b75 wf6c h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e00 y6b75 wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ee4 y6b75 wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ee5 y6b75 wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ee6 y6b75 wf6c h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ee7 y6b75 wf6c h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6b76 wf77 h205\"><div class=\"t m0 x1ed h9c y6b6c ff2 fs5e fc3 sc0 ls39 ws3b\">Singapore<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ee8 y6b76 wfca h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(2,985)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ee9 y6b76 w100f h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(993)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1eea y6b76 w551 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(3,978)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1eeb y6b76 wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1eec y6b76 w1010 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(64)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1eed y6b76 wf66 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1eee y6b76 w1010 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(64)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1eef y6b76 w1011 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">70<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ef0 y6b76 w1012 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">70<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ef1 y6b76 wf66 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ef2 y6b76 wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ef3 y6b76 wf6c h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ef4 y6b76 wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ef5 y6b76 wf6c h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ef6 y6b76 wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ef7 y6b76 wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ef8 y6b76 wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ef9 y6b76 wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1efa y6b76 wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x235 hc6 y6ba5 ff1 fs5e fc3 sc0 ls39 ws3b\">Corporate </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y6b78 wf54 h21e\"><div class=\"t m0 x1ed h9c y6b6c ff1 fs5e fc3 sc0 ls39 ws3b\">Lending<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d5f y6b78 w8df h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(2,212)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1efb y6b78 w8b7 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(454)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1efc y6b78 w1013 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(2,666)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1efd y6b78 wf66 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1efe y6b78 w1010 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(64)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1eff y6b78 wf66 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f00 y6b78 w1014 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(64)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f01 y6b78 w1012 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">70<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f02 y6b78 w1012 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">70<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f03 y6b78 wf66 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f04 y6b78 wf6c h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f05 y6b78 wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1db3 y6b78 wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f06 y6b78 wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f07 y6b78 wf6c h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f08 y6b78 wf6c h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f09 y6b78 wf6c h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f0a y6b78 wf6c h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f0b y6b78 wf6c h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x235 hc6 y6ba6 ff1 fs5e fc3 sc0 ls39 ws0\">Non Corporate </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1ee y6b7b w100e h2c3\"><div class=\"t m0 x1ed hc6 y6b71 ff1 fs5e fc3 sc0 ls39 ws3b\">Lending</div><div class=\"t m0 x1ec3 hc5 y6b7a ff1 fs60 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f0c y6b7d w1015 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(808)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f0d y6b7d w1016 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(524)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f0e y6b7d w1017 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(1,332)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f0f y6b7d wf66 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f10 y6b7d wf66 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f11 y6b7d wf66 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f12 y6b7d wf66 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f13 y6b7d wf66 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f14 y6b7d wf66 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f15 y6b7d wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f16 y6b7d wf6c h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f17 y6b7d wf6c h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f18 y6b7d wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f19 y6b7d wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f1a y6b7d wf6c h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f1b y6b7d wf6c h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f1c y6b7d wf6c h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f1d y6b7d wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f1e y6b7d wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6b7e wf6e h21e\"><div class=\"t m0 x1ed h9c y6b6c ff1 fs5e fc3 sc0 ls39 ws3b\">Banks<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f1f y6b7e wf7c h21e\"><div class=\"t m0 x1ed h9c y6b6c ff1 fs5e fc3 sc0 ls39 ws3b\">35<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f20 y6b7e w1018 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(15)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f21 y6b7e w1019 h21e\"><div class=\"t m0 x1ed h9c y6b6c ff1 fs5e fc3 sc0 ls39 ws3b\">20<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f22 y6b7e wf66 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f23 y6b7e wf66 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f24 y6b7e wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f25 y6b7e wf66 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f26 y6b7e wf66 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f27 y6b7e wf66 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f28 y6b7e wf66 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f29 y6b7e wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f2a y6b7e wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f2b y6b7e wf6c h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f2c y6b7e wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f2d y6b7e wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f2e y6b7e wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f2f y6b7e wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d01 y6b7e wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f30 y6b7e wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6b7f wf97 h205\"><div class=\"t m0 x1ed h9c y6b6c ff5 fs5e fc3 sc0 ls39 ws3b\">China<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f31 y6b7f w101a h21e\"><div class=\"t m0 x1ed h9c y6b6c ff1 fs5e fc3 sc0 ls39 ws3b\">10<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f32 y6b7f w101b h21e\"><div class=\"t m0 x1ed h9c y6b6c ff1 fs5e fc3 sc0 ls39 ws3b\">50<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f33 y6b7f w101c h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">60<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1eb4 y6b7f wf66 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1eb5 y6b7f wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1eb6 y6b7f wf66 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1eb7 y6b7f wf66 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f34 y6b7f wf66 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f35 y6b7f wf66 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f36 y6b7f wf66 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f37 y6b7f wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f38 y6b7f wf6c h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f39 y6b7f wf6c h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f3a y6b7f wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f3b y6b7f wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f3c y6b7f wf6c h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f3d y6b7f wf6c h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f3e y6b7f wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f3f y6b7f wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x235 hc6 y6ba7 ff1 fs5e fc3 sc0 ls39 ws3b\">Corporate </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y6b81 wf54 h21e\"><div class=\"t m0 x1ed h9c y6b6c ff1 fs5e fc3 sc0 ls39 ws3b\">Lending<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f40 y6b81 wf6a h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(1)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f41 y6b81 w101b h21e\"><div class=\"t m0 x1ed h9c y6b6c ff1 fs5e fc3 sc0 ls39 ws3b\">50<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f42 y6b81 wf4b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">49<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f43 y6b81 wf66 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f44 y6b81 wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f45 y6b81 wf66 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f46 y6b81 wf66 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f47 y6b81 wf66 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f48 y6b81 wf66 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f49 y6b81 wf66 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f4a y6b81 wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f4b y6b81 wf6c h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f4c y6b81 wf6c h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f4d y6b81 wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f4e y6b81 wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f4f y6b81 wf6c h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f50 y6b81 wf6c h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f51 y6b81 wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f52 y6b81 wf6c h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x235 hc6 y6ba8 ff1 fs5e fc3 sc0 ls39 ws0\">Non Corporate </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1ee y6b83 w100e h2c3\"><div class=\"t m0 x1ed hc6 y6b71 ff1 fs5e fc3 sc0 ls39 ws3b\">Lending</div><div class=\"t m0 x1ec3 hc5 y6b7a ff1 fs60 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f53 y6b84 wf66 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f54 y6b84 wf66 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f55 y6b84 wf66 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f56 y6b84 wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f57 y6b84 wf66 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f58 y6b84 wf66 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f59 y6b84 wf66 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f5a y6b84 wf66 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f5b y6b84 wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f5c y6b84 wf66 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f5d y6b84 wf6c h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f5e y6b84 wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f5f y6b84 wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f60 y6b84 wf6c h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f61 y6b84 wf6c h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f62 y6b84 wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f63 y6b84 wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f64 y6b84 wf6c h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f65 y6b84 wf6c h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6b85 wf6e h21e\"><div class=\"t m0 x1ed h9c y6b6c ff1 fs5e fc3 sc0 ls39 ws3b\">Banks<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f66 y6b85 w101d h21e\"><div class=\"t m0 x1ed h9c y6b6c ff1 fs5e fc3 sc0 ls39 ws3b\">11<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f67 y6b85 wf66 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f68 y6b85 w101e h21e\"><div class=\"t m0 x1ed h9c y6b6c ff1 fs5e fc3 sc0 ls39 ws3b\">11<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f69 y6b85 wf66 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f6a y6b85 wf66 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f6b y6b85 wf66 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f6c y6b85 wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f6d y6b85 wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f6e y6b85 wf66 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f6f y6b85 wf66 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f70 y6b85 wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f71 y6b85 wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f72 y6b85 wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f73 y6b85 wf6c h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f74 y6b85 wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f75 y6b85 wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f76 y6b85 wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f77 y6b85 wf6c h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f78 y6b85 wf6c h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6b86 wfaf h205\"><div class=\"t m0 x1ed h9c y6b6c ff2 fs5e fc3 sc0 ls39 ws3b\">UK<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f79 y6b86 w101f h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(10,526)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f7a y6b86 w1020 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(2,046)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f7b y6b86 w1f0 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(12,572)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f7c y6b86 wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f7d y6b86 w1021 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(1,461)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f7e y6b86 w1022 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(138)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f7f y6b86 w6a4 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(1,599)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f80 y6b86 w377 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(440)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f81 y6b86 w377 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(440)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f82 y6b86 wf66 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f83 y6b86 wf6c h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f84 y6b86 wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f85 y6b86 wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f86 y6b86 wf6c h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f87 y6b86 wf6c h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f88 y6b86 wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f89 y6b86 wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f0a y6b86 wf6c h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f0b y6b86 wf6c h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x235 hc6 y6ba9 ff1 fs5e fc3 sc0 ls39 ws3b\">Corporate </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y6b88 wf54 h21e\"><div class=\"t m0 x1ed h9c y6b6c ff1 fs5e fc3 sc0 ls39 ws3b\">Lending<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f8a y6b88 w1023 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(2,006)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f8b y6b88 wcbc h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(1,211)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f8c y6b88 w1024 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(3,217)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ea2 y6b88 wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f8d y6b88 w1025 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(954)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f8e y6b88 weab h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(26)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f8f y6b88 w1026 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(980)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f90 y6b88 w1027 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(400)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f91 y6b88 w1027 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(400)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f92 y6b88 wf66 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f93 y6b88 wf6c h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f94 y6b88 wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f95 y6b88 wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f96 y6b88 wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f97 y6b88 wf6c h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d93 y6b88 wf6c h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f98 y6b88 wf6c h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f99 y6b88 wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f9a y6b88 wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x235 hc6 y6baa ff1 fs5e fc3 sc0 ls39 ws0\">Non Corporate </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1ee y6b8a w100e h2c4\"><div class=\"t m0 x1ed hc6 y6b71 ff1 fs5e fc3 sc0 ls39 ws3b\">Lending</div><div class=\"t m0 x1ec3 hc5 y6b72 ff1 fs60 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f9b y6b8b w1028 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(8,350)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f9c y6b8b w1029 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(771)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f9d y6b8b we9b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(9,121)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f9e y6b8b wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f9f y6b8b w102a h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(507)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1fa0 y6b8b w102b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(112)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1fa1 y6b8b wf82 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(619)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1fa2 y6b8b w102c h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(40)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1fa3 y6b8b w102d h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(40)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1fa4 y6b8b wf66 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1fa5 y6b8b wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1fa6 y6b8b wf6c h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1fa7 y6b8b wf6c h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1fa8 y6b8b wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1fa9 y6b8b wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1faa y6b8b wf6c h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1fab y6b8b wf6c h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1fac y6b8b wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1fad y6b8b wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6b8c wf6e h251\"><div class=\"t m0 x1ed h9c y6b7c ff1 fs5e fc3 sc0 ls39 ws3b\">Banks<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1fae y6b8c w3e5 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(170)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1faf y6b8c w1010 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(64)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1fb0 y6b8c wfc6 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(234)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1fb1 y6b8c wf66 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1fb2 y6b8c wf66 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1fb3 y6b8c wf66 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1fb4 y6b8c wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1fb5 y6b8c wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1fb6 y6b8c wf66 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1fb7 y6b8c wf66 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1fb8 y6b8c wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1fb9 y6b8c wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1fba y6b8c wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1fbb y6b8c wf6c h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1fbc y6b8c wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1fbd y6b8c wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1fbe y6b8c wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1fbf y6b8c wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1fc0 y6b8c wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6b8d wfc8 h205\"><div class=\"t m0 x1ed h9c y6b7c ff2 fs5e fc3 sc0 ls39 ws3b\">US<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1fc1 y6b8d wfd2 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">537<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1fc2 y6b8d wfdc h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">56<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1fc3 y6b8d w102e h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">593<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1fc4 y6b8d wf66 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1fc5 y6b8d wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1fc6 y6b8d wf66 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1fc7 y6b8d wf66 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1fc8 y6b8d wf96 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">27<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1fc9 y6b8d wf96 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">27<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1fca y6b8d wf66 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1fcb y6b8d wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1fcc y6b8d wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x19d1 y6b8d wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d47 y6b8d wf6c h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d48 y6b8d wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d49 y6b8d wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1fcd y6b8d wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1fce y6b8d wf6c h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1fcf y6b8d wf6c h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x235 hc6 y6bab ff1 fs5e fc3 sc0 ls39 ws3b\">Corporate </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y6b8f wf54 h251\"><div class=\"t m0 x1ed h9c y6b7c ff1 fs5e fc3 sc0 ls39 ws3b\">Lending<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f40 y6b8f wf8f h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">92<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1fd0 y6b8f w102f h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">56<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1fd1 y6b8f w1030 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">148<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1fd2 y6b8f wf66 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1fd3 y6b8f wf66 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1fd4 y6b8f wf66 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1fd5 y6b8f wf66 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1fd6 y6b8f wf96 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">27<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1fd7 y6b8f wf96 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">27<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1fd8 y6b8f wf66 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1fd9 y6b8f wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1fda y6b8f wf6c h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1fdb y6b8f wf6c h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1fdc y6b8f wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d6d y6b8f wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d6e y6b8f wf6c h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1fdd y6b8f wf6c h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1fde y6b8f wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1fdf y6b8f wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x235 hc6 y6bac ff1 fs5e fc3 sc0 ls39 ws0\">Non Corporate </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1ee y6b91 w100e h2c4\"><div class=\"t m0 x1ed hc6 y6b71 ff1 fs5e fc3 sc0 ls39 ws3b\">Lending</div><div class=\"t m0 x1ec3 hc5 y6b72 ff1 fs60 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f53 y6b92 wf66 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f54 y6b92 wf66 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f55 y6b92 wf66 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f56 y6b92 wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f57 y6b92 wf66 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f58 y6b92 wf66 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f59 y6b92 wf66 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f5a y6b92 wf66 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f5b y6b92 wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f5c y6b92 wf66 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f5d y6b92 wf6c h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f5e y6b92 wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f5f y6b92 wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f60 y6b92 wf6c h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f61 y6b92 wf6c h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f62 y6b92 wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f63 y6b92 wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f64 y6b92 wf6c h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f65 y6b92 wf6c h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6b93 wf6e h251\"><div class=\"t m0 x1ed h9c y6b7c ff1 fs5e fc3 sc0 ls39 ws3b\">Banks<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1fe0 y6b93 w6ff h251\"><div class=\"t m0 x1ed h9c y6b7c ff1 fs5e fc3 sc0 ls39 ws3b\">445<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1fe1 y6b93 wf66 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1fe2 y6b93 w6ff h251\"><div class=\"t m0 x1ed h9c y6b7c ff1 fs5e fc3 sc0 ls39 ws3b\">445<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1fe3 y6b93 wf66 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1fe4 y6b93 wf66 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1fe5 y6b93 wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1fe6 y6b93 wf66 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1fe7 y6b93 wf66 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1cfa y6b93 wf66 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1fe8 y6b93 wf66 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1fe9 y6b93 wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1fea y6b93 wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1feb y6b93 wf6c h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1fec y6b93 wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1fed y6b93 wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1fee y6b93 wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1fef y6b93 wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ff0 y6b93 wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ff1 y6b93 wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6b94 wfdd h205\"><div class=\"t m0 x1ed h9c y6b7c ff5 fs5e fc3 sc0 ls39 ws3b\">Others<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ff2 y6b94 w1031 h251\"><div class=\"t m0 x1ed h9c y6b7c ff1 fs5e fc3 sc0 ls39 ws3b\">10,055<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ff3 y6b94 w1032 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">2,933<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ff4 y6b94 w4de h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">12,988<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1fc4 y6b94 wf66 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ff5 y6b94 wf58 h251\"><div class=\"t m0 x1ed h9c y6b7c ff1 fs5e fc3 sc0 ls39 ws3b\">1,525<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ff6 y6b94 we88 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">138<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ff7 y6b94 wf70 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">1,663<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ff8 y6b94 wf57 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">379<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ff9 y6b94 wf57 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">379<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d44 y6b94 wf66 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1eba y6b94 wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ebb y6b94 wf6c h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ebc y6b94 wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ebd y6b94 wf6c h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ffa y6b94 wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ffb y6b94 wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ffc y6b94 wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ffd y6b94 wf6c h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ffe y6b94 wf6c h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x235 hc6 y6bad ff1 fs5e fc3 sc0 ls39 ws3b\">Corporate </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y6b96 wf54 h251\"><div class=\"t m0 x1ed h9c y6b7c ff1 fs5e fc3 sc0 ls39 ws3b\">Lending<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d5f y6b96 w1033 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">2,926<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1fff y6b96 wf70 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">1,559<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2000 y6b96 w8b7 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">4,485<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2001 y6b96 wf66 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2002 y6b96 w995 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">1,018<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2003 y6b96 wf8f h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">26<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2004 y6b96 w1034 h251\"><div class=\"t m0 x1ed h9c y6b7c ff1 fs5e fc3 sc0 ls39 ws3b\">1,044<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2005 y6b96 w1035 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">338<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2006 y6b96 w1036 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">338<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2007 y6b96 wf66 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2008 y6b96 wf6c h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2009 y6b96 wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x200a y6b96 wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x200b y6b96 wf6c h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x200c y6b96 wf6c h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x200d y6b96 wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x200e y6b96 wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1dde y6b96 wf6c h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x200f y6b96 wf6c h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x235 hc6 y6bae ff1 fs5e fc3 sc0 ls39 ws0\">Non Corporate </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1ee y6b98 w100e h2c4\"><div class=\"t m0 x1ed hc6 y6b71 ff1 fs5e fc3 sc0 ls39 ws3b\">Lending</div><div class=\"t m0 x1ec3 hc5 y6b72 ff1 fs60 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f0c y6b99 w156 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">9,119<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2010 y6b99 w1037 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">1,294<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2011 y6b99 wff0 h251\"><div class=\"t m0 x1ed h9c y6b7c ff1 fs5e fc3 sc0 ls39 ws3b\">10,413<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2012 y6b99 wf66 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2013 y6b99 w1038 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">507<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2014 y6b99 w1039 h251\"><div class=\"t m0 x1ed h9c y6b7c ff1 fs5e fc3 sc0 ls39 ws3b\">112<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2015 y6b99 wf9e h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">619<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2016 y6b99 wf9d h251\"><div class=\"t m0 x1ed h9c y6b7c ff1 fs5e fc3 sc0 ls39 ws3b\">41<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2017 y6b99 wf9d h251\"><div class=\"t m0 x1ed h9c y6b7c ff1 fs5e fc3 sc0 ls39 ws3b\">41<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2018 y6b99 wf66 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2019 y6b99 wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x201a y6b99 wf6c h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x201b y6b99 wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x201c y6b99 wf6c h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x201d y6b99 wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x201e y6b99 wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x201f y6b99 wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2020 y6b99 wf6c h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2021 y6b99 wf6c h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6b9a wf6e h251\"><div class=\"t m0 x1ed h9c y6b7c ff1 fs5e fc3 sc0 ls39 ws3b\">Banks<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2022 y6b9a w103a h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(1,990)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f32 y6b9a w103b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">80<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2023 y6b9a w103c h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(1,910)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2024 y6b9a wf66 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2025 y6b9a wf66 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2026 y6b9a wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2027 y6b9a wf66 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2028 y6b9a wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2029 y6b9a wf66 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x202a y6b9a wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x202b y6b9a wf6c h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x202c y6b9a wf6c h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x202d y6b9a wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x202e y6b9a wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d5a y6b9a wf6c h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d5b y6b9a wf6c h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x202f y6b9a wf6c h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2030 y6b9a wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2031 y6b9a wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6567 wffd h205\"><div class=\"t m0 x1ed h9c y6b7c ff5 fs5e fc3 sc0 ls39 ws3b\">Total<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2032 y6567 wf66 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2033 y6567 wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2034 y6567 wf66 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1dd0 y6567 wf66 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1dd1 y6567 wf66 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1dd2 y6567 wf66 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2035 y6567 wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2036 y6567 wf66 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2037 y6567 wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2038 y6567 wf66 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2039 y6567 wf6c h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x203a y6567 wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x203b y6567 wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x203c y6567 wf6c h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x203d y6567 wf6c h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x203e y6567 wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x203f y6567 wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2040 y6567 wf6c h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2041 y6567 wf6c h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr></table>1 <span class=\"_ _b\"> </span><span class=\"ff4\">Refer to the equivalent table on page 244 of the Risk Review section.<span class=\"_ _3eb\"> </span></span>Re\u2013presented table as of 31 December 2024<span class=\"_ _3eb\"> </span><table class=\"s w103d h2c5\" id=\"_40c47bfa-62d6-45c0-b24a-db1d0dcccb76\"><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x2043 y6baf w103e h209\"><div class=\"t m0 x1ed h151 y6597 ff1 fs64 fc3 sc0 ls50 ws0\">Corporate &amp; Investment Banking and Central &amp; other items</div><div class=\"t m0 x2042 h152 y6598 ff1 fs65 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m0 x1ca4 h15b y6bb0 ff1 fs66 fc3 sc0 ls51 ws5c\">2024<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td class=\"c n xd34 y6b66 wf3f h2bd\"><div class=\"t m0 x1ed h15c y6b65 ff1 fs66 fc3 sc0 ls51 ws5c\">Gross<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"c n x1ca5 y6b66 wf40 h209\"><div class=\"t m0 x1ed h15c y6b65 ff4 fs66 fc3 sc0 ls51 ws5c\">Credit Impairment\ue004<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"c n x1ca6 y6b9d wf41 h2c2\"><div class=\"t m0 x1ed h15b y6b67 ff1 fs66 fc3 sc0 ls51 ws0\">Stage 1<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td class=\"c n x1ca7 y6b9d wf42 h2c2\"><div class=\"t m0 x1ed h15b y6b67 ff1 fs66 fc3 sc0 ls51 ws0\">Stage 2<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td class=\"c n x1ca8 y6b9d wf43 h2c2\"><div class=\"t m0 x1ed h15b y6b67 ff1 fs66 fc3 sc0 ls51 ws0\">Stage 3<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ca9 y6b9d wf44 h2c2\"><div class=\"t m0 x1ed h15b y6b67 ff1 fs66 fc3 sc0 ls51 ws0\">Stage 1<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td class=\"c n x1caa y6b9d wf45 h2c2\" colspan=\"2\"><div class=\"t m0 x1ed h15b y6b67 ff1 fs66 fc3 sc0 ls51 ws0\">Stage 2<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n x1cab y6b9d wf46 h2c2\"><div class=\"t m0 x1ed h15b y6b67 ff1 fs66 fc3 sc0 ls51 ws0\">Stage 3<span class=\"_ _3eb\"> </span></div></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m0 xb97 h15b y6bb1 ff1 fs66 fc3 sc0 ls51 ws5c\">Higher </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m0 x1cac h15b y6bb1 ff1 fs66 fc3 sc0 ls51 ws5c\">Higher </td><td></td><td></td><td></td><td class=\"t m0 x1cad h15b y6bb1 ff1 fs66 fc3 sc0 ls51 ws5c\">Total </td></tr><tr><td></td><td class=\"t m0 x1cae h15b y6bb2 ff1 fs66 fc3 sc0 ls51 ws5c\">Strong<span class=\"ls0 ws0\"> </span></td><td class=\"t m0 x1caf h15b y6bb2 ff1 fs66 fc3 sc0 ls51 ws5c\">Satisfactory<span class=\"ls0 ws0\"> </span></td><td class=\"t m0 x1cb0 h15b y6bb2 ff1 fs66 fc3 sc0 ls51 ws5c\">Total<span class=\"ls0 ws0\"> </span></td><td class=\"t m0 x1cb1 h15b y6bb2 ff1 fs66 fc3 sc0 ls51 ws5c\">Strong<span class=\"ls0 ws0\"> </span></td><td class=\"t m0 x1558 h15b y6bb2 ff1 fs66 fc3 sc0 ls51 ws5c\">Satisfactory<span class=\"ls0 ws0\"> </span></td><td class=\"t m0 x1a2e h15b y6bb2 ff1 fs66 fc3 sc0 ls51 ws5c\">Risk<span class=\"ls0 ws0\"> </span></td><td class=\"t m0 x1a31 h15b y6bb2 ff1 fs66 fc3 sc0 ls51 ws5c\">Total<span class=\"ls0 ws0\"> </span></td><td></td><td class=\"t m0 x60d h15b y6bb2 ff1 fs66 fc3 sc0 ls51 ws5c\">Defaulted<span class=\"ls0 ws0\"> </span></td><td class=\"t m0 x5fd h15b y6bb2 ff1 fs66 fc3 sc0 ls51 ws5c\">Total<span class=\"ls0 ws0\"> </span></td><td class=\"t m0 x1ca4 h15b y6bb2 ff1 fs66 fc3 sc0 ls51 ws5c\">Strong<span class=\"ls0 ws0\"> </span></td><td class=\"t m0 x11fe h15b y6bb2 ff1 fs66 fc3 sc0 ls51 ws5c\">Satisfactory<span class=\"ls0 ws0\"> </span></td><td class=\"t m0 x5fe h15b y6bb2 ff1 fs66 fc3 sc0 ls51 ws5c\">Total<span class=\"ls0 ws0\"> </span></td><td class=\"t m0 x8b4 h15b y6bb2 ff1 fs66 fc3 sc0 ls51 ws5c\">Strong<span class=\"ls0 ws0\"> </span></td><td class=\"t m0 x1cb2 h15b y6bb2 ff1 fs66 fc3 sc0 ls51 ws5c\">Satisfactory<span class=\"ls0 ws0\"> </span></td><td class=\"t m0 x8b5 h15b y6bb2 ff1 fs66 fc3 sc0 ls51 ws5c\">Risk<span class=\"ls0 ws0\"> </span></td><td class=\"t m0 x1620 h15b y6bb2 ff1 fs66 fc3 sc0 ls51 ws5c\">Total<span class=\"ls0 ws0\"> </span></td><td class=\"t m0 x1a33 h15b y6bb2 ff1 fs66 fc3 sc0 ls51 ws5c\">Impaired<span class=\"ls0 ws0\"> </span></td><td class=\"t m0 x11c3 h15b y6bb2 ff1 fs66 fc3 sc0 ls51 ws5c\">Total<span class=\"ls0 ws0\"> </span></td><td class=\"t m0 x1cb3 h15b y6bb2 ff1 fs66 fc3 sc0 ls51 ws5c\">Coverage </td></tr><tr><td></td><td class=\"t m0 x1cb4 h15c y6bb3 ff4 fs66 fc3 sc0 ls51 ws5c\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1cb5 h15c y6bb3 ff4 fs66 fc3 sc0 ls51 ws5c\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xde2 h15c y6bb3 ff4 fs66 fc3 sc0 ls51 ws5c\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1cb6 h15c y6bb3 ff4 fs66 fc3 sc0 ls51 ws5c\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xd2c h15c y6bb3 ff4 fs66 fc3 sc0 ls51 ws5c\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1cb7 h15c y6bb3 ff4 fs66 fc3 sc0 ls51 ws5c\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1cb8 h15c y6bb3 ff4 fs66 fc3 sc0 ls51 ws5c\">$million<span class=\"_ _3eb\"> </span></td><td></td><td class=\"t m0 xf3c h15c y6bb3 ff4 fs66 fc3 sc0 ls51 ws5c\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x601 h15c y6bb3 ff4 fs66 fc3 sc0 ls51 ws5c\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xf3d h15c y6bb3 ff4 fs66 fc3 sc0 ls51 ws5c\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x8b8 h15c y6bb3 ff4 fs66 fc3 sc0 ls51 ws5c\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x3ff h15c y6bb3 ff4 fs66 fc3 sc0 ls51 ws5c\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xf45 h15c y6bb3 ff4 fs66 fc3 sc0 ls51 ws5c\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x52d h15c y6bb3 ff4 fs66 fc3 sc0 ls51 ws5c\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1cb9 h15c y6bb3 ff4 fs66 fc3 sc0 ls51 ws5c\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xd32 h15c y6bb3 ff4 fs66 fc3 sc0 ls51 ws5c\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xde5 h15c y6bb3 ff4 fs66 fc3 sc0 ls51 ws5c\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x11c1 h15c y6bb3 ff4 fs66 fc3 sc0 ls51 ws5c\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1658 h15b y6bb3 ff1 fs66 fc3 sc0 ls0 ws0\">%<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c n x1ee y6b6d wf47 h205\"><div class=\"t m0 x1ed h9c y6b6c ff2 fs5e fc3 sc0 ls39 ws0\">Hong Kong<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2044 y6b6d w103f h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">29,643<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2045 y6b6d w1040 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">12,079<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2046 y6b6d w9f6 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">41,722<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2047 y6b6d w1041 h21e\"><div class=\"t m0 x1ed h9c y6b6c ff1 fs5e fc3 sc0 ls39 ws3b\">230<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2048 y6b6d w3ed h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">1,539<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2049 y6b6d wf4b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">64<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x204a y6b6d wf4c h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">1,833<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n x204b y6b6d w6e4 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">1,308<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x204c y6b6d w1042 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">1,308<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x204d y6b6d wf4e h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(8)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x204e y6b6d w1043 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(8)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x204f y6b6d wf4f h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(16)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2050 y6b6d wf50 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(33)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2051 y6b6d w9a4 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(107)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2052 y6b6d wf89 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(9)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2053 y6b6d wff5 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(149)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2054 y6b6d wd8b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(1,157)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2055 y6b6d wd8b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(1,157)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1455 y6b6d w1cd h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(2.9)%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x221 hc6 y6bb4 ff1 fs5e fc3 sc0 ls39 ws3b\">Corporate </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y6b6f wf54 h21e\"><div class=\"t m0 x1ed h9c y6b6c ff1 fs5e fc3 sc0 ls39 ws3b\">Lending<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ccc y6b6f w1044 h21e\"><div class=\"t m0 x1ed h9c y6b6c ff1 fs5e fc3 sc0 ls39 ws3b\">13,230<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d04 y6b6f wf56 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">6,180<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2056 y6b6f wf2b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">19,410<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2057 y6b6f wf57 h21e\"><div class=\"t m0 x1ed h9c y6b6c ff1 fs5e fc3 sc0 ls39 ws3b\">225<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2058 y6b6f w689 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">1,329<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2059 y6b6f wf4b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">64<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x205a y6b6f wf59 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">1,618<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n x16cf y6b6f w93f h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">1,296<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x205b y6b6f w4a6 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">1,296<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x205c y6b6f wf5b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(5)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x205d y6b6f wf5c h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(4)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x205e y6b6f wf51 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(9)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x205f y6b6f wf50 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(33)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2060 y6b6f wf5d h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(102)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1db5 y6b6f wf51 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(9)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2061 y6b6f wf5e h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(144)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2062 y6b6f wf53 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(1,157)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2063 y6b6f wd8b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(1,157)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb8f y6b6f wf5f h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(5.9)%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x221 hc6 y6bb5 ff1 fs5e fc3 sc0 ls39 ws0\">Non Corporate </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y6ba4 wf54 h21e\"><div class=\"t m0 x1ed h9c y6b6c ff1 fs5e fc3 sc0 ls39 ws3b\">Lending<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d5f y6ba4 wfd0 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">4,526<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2064 y6ba4 wf62 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">2,730<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2065 y6ba4 w1045 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">7,256<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2066 y6ba4 wf64 h21e\"><div class=\"t m0 x1ed h9c y6b6c ff1 fs5e fc3 sc0 ls0 ws0\">4<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2067 y6ba4 wf65 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">206<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2068 y6ba4 wf66 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2069 y6ba4 wf67 h21e\"><div class=\"t m0 x1ed h9c y6b6c ff1 fs5e fc3 sc0 ls39 ws3b\">210<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n x206a y6ba4 wf68 h21e\"><div class=\"t m0 x1ed h9c y6b6c ff1 fs5e fc3 sc0 ls39 ws3b\">12<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x206b y6ba4 wf68 h21e\"><div class=\"t m0 x1ed h9c y6b6c ff1 fs5e fc3 sc0 ls39 ws3b\">12<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x206c y6ba4 wf6a h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(1)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x206d y6ba4 wfbc h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(3)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x206e y6ba4 wf5c h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(4)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x206f y6ba4 wf6c h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x686 y6ba4 wf5b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(5)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d11 y6ba4 wf6c h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2070 y6ba4 wf5b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(5)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x170e y6ba4 wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2071 y6ba4 wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15e5 y6ba4 wf6d h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(0.1)%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6b75 wf6e h21e\"><div class=\"t m0 x1ed h9c y6b6c ff1 fs5e fc3 sc0 ls39 ws3b\">Banks<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2072 y6b75 w1046 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">11,887<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2073 y6b75 wf70 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">3,169<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2074 y6b75 w1047 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">15,056<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2075 y6b75 wf71 h21e\"><div class=\"t m0 x1ed h9c y6b6c ff1 fs5e fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2076 y6b75 wf72 h21e\"><div class=\"t m0 x1ed h9c y6b6c ff1 fs5e fc3 sc0 ls0 ws0\">4<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1edb y6b75 wf66 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2077 y6b75 wf73 h21e\"><div class=\"t m0 x1ed h9c y6b6c ff1 fs5e fc3 sc0 ls0 ws0\">5<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n x2078 y6b75 wf66 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2079 y6b75 wf66 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x207a y6b75 wf74 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(2)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x207b y6b75 wf6a h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(1)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x207c y6b75 w67a h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(3)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x207d y6b75 wf6c h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x207e y6b75 wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x207f y6b75 wf6c h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2080 y6b75 wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2081 y6b75 wf6c h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2082 y6b75 wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1a16 y6b75 wf92 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(0.0)%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6b76 wf77 h205\"><div class=\"t m0 x1ed h9c y6b6c ff2 fs5e fc3 sc0 ls39 ws3b\">Singapore<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2083 y6b76 w1048 h21e\"><div class=\"t m0 x1ed h9c y6b6c ff1 fs5e fc3 sc0 ls39 ws3b\">34,114<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2084 y6b76 w1049 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">8,762<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2085 y6b76 wa0f h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">42,876<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2086 y6b76 w104a h21e\"><div class=\"t m0 x1ed h9c y6b6c ff1 fs5e fc3 sc0 ls39 ws3b\">500<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2087 y6b76 w104b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">1,019<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2088 y6b76 wf7c h21e\"><div class=\"t m0 x1ed h9c y6b6c ff1 fs5e fc3 sc0 ls39 ws3b\">35<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2089 y6b76 w104c h21e\"><div class=\"t m0 x1ed h9c y6b6c ff1 fs5e fc3 sc0 ls39 ws3b\">1,554<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n x208a y6b76 w104d h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">337<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x208b y6b76 w104d h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">337<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x208c y6b76 wf66 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x204e y6b76 w1043 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(8)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x208d y6b76 wf4e h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(8)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x208e y6b76 wf5c h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(4)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x208f y6b76 wf8a h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(14)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2090 y6b76 wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2091 y6b76 wf81 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(18)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2092 y6b76 wf82 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(196)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2093 y6b76 wf82 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(196)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2094 y6b76 wf83 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(0.5)%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x221 hc6 y6bb6 ff1 fs5e fc3 sc0 ls39 ws3b\">Corporate </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y6b78 wf54 h21e\"><div class=\"t m0 x1ed h9c y6b6c ff1 fs5e fc3 sc0 ls39 ws3b\">Lending<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2095 y6b78 w104e h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">9,545<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2096 y6b78 w100f h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">4,457<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2085 y6b78 w6b4 h21e\"><div class=\"t m0 x1ed h9c y6b6c ff1 fs5e fc3 sc0 ls39 ws3b\">14,002<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2097 y6b78 w1cc h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">469<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2098 y6b78 w104f h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">658<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2099 y6b78 wf7c h21e\"><div class=\"t m0 x1ed h9c y6b6c ff1 fs5e fc3 sc0 ls39 ws3b\">35<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x209a y6b78 w1050 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">1,162<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n x209b y6b78 w1051 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">265<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x209c y6b78 w1051 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">265<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x209d y6b78 wf66 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x209e y6b78 wf89 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(6)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d0e y6b78 wf89 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(6)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x209f y6b78 wf5c h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(4)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x20a0 y6b78 wf8a h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(14)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x20a1 y6b78 wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x20a2 y6b78 w1052 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(18)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x20a3 y6b78 wf8b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(195)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x20a4 y6b78 wf8b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(195)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x20a5 y6b78 w1053 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(1.4)%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x221 hc6 y6bb7 ff1 fs5e fc3 sc0 ls39 ws0\">Non Corporate </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y6b7d wf54 h21e\"><div class=\"t m0 x1ed h9c y6b6c ff1 fs5e fc3 sc0 ls39 ws3b\">Lending<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f8a y6b7d w1054 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">20,156<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x20a6 y6b7d w1055 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">1,091<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x20a7 y6b7d w9f6 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">21,247<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x20a8 y6b7d wfcb h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">29<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1dac y6b7d wf90 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">358<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x20a9 y6b7d wf66 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x20aa y6b7d w1056 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">387<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n x20ab y6b7d wf66 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x20ac y6b7d wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f36 y6b7d wf66 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x591 y6b7d wf6a h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(1)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x20ad y6b7d wf6a h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(1)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x20ae y6b7d wf6c h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x20af y6b7d wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x20b0 y6b7d wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2b4 y6b7d wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x20b1 y6b7d wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x20b2 y6b7d wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x20b3 y6b7d wf76 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(0.0)%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6b7e wf6e h21e\"><div class=\"t m0 x1ed h9c y6b6c ff1 fs5e fc3 sc0 ls39 ws3b\">Banks<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x20b4 y6b7e w1057 h21e\"><div class=\"t m0 x1ed h9c y6b6c ff1 fs5e fc3 sc0 ls39 ws3b\">4,413<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x20b5 y6b7e w1058 h21e\"><div class=\"t m0 x1ed h9c y6b6c ff1 fs5e fc3 sc0 ls39 ws3b\">3,214<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x20b6 y6b7e wf63 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">7,627<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1fe3 y6b7e wfc7 h21e\"><div class=\"t m0 x1ed h9c y6b6c ff1 fs5e fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x20b7 y6b7e wf95 h21e\"><div class=\"t m0 x1ed h9c y6b6c ff1 fs5e fc3 sc0 ls0 ws0\">3<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x20b8 y6b7e wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x20b9 y6b7e wf73 h21e\"><div class=\"t m0 x1ed h9c y6b6c ff1 fs5e fc3 sc0 ls0 ws0\">5<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n x20ba y6b7e wf96 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">72<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x20bb y6b7e wf96 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">72<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x20bc y6b7e wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x20bd y6b7e wf75 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(1)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x20be y6b7e wf6a h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(1)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x206f y6b7e wf6c h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x20bf y6b7e wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x20c0 y6b7e wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x20c1 y6b7e wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x20c2 y6b7e wf6a h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(1)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x20c3 y6b7e wf6a h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(1)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x20c4 y6b7e wf92 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(0.0)%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6b7f wf97 h205\"><div class=\"t m0 x1ed h9c y6b6c ff5 fs5e fc3 sc0 ls39 ws3b\">China<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x20c5 y6b7f w9f9 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">10,370<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x20c6 y6b7f w196 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">2,744<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x20c7 y6b7f w1059 h21e\"><div class=\"t m0 x1ed h9c y6b6c ff1 fs5e fc3 sc0 ls39 ws3b\">13,114<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x20c8 y6b7f wf4b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">49<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x20c9 y6b7f w105a h21e\"><div class=\"t m0 x1ed h9c y6b6c ff1 fs5e fc3 sc0 ls39 ws3b\">133<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x20ca y6b7f wf9d h21e\"><div class=\"t m0 x1ed h9c y6b6c ff1 fs5e fc3 sc0 ls39 ws3b\">14<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x20cb y6b7f wf9e h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">196<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n x20cc y6b7f wf9f h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">171<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x20cd y6b7f wfa0 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">171<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x20ce y6b7f w67a h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(3)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x20cf y6b7f wf6a h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(1)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x20d0 y6b7f wf5c h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(4)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x20d1 y6b7f wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x20d2 y6b7f wf6c h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e6d y6b7f wf6c h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x20d3 y6b7f wf6c h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x20d4 y6b7f wfa1 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(86)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x20d5 y6b7f wfa1 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(86)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b59 y6b7f wfa2 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(0.7)%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x221 hc6 y6bb8 ff1 fs5e fc3 sc0 ls39 ws3b\">Corporate </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y6b81 wf54 h21e\"><div class=\"t m0 x1ed h9c y6b6c ff1 fs5e fc3 sc0 ls39 ws3b\">Lending<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2095 y6b81 w398 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">4,934<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x20d6 y6b81 w1058 h21e\"><div class=\"t m0 x1ed h9c y6b6c ff1 fs5e fc3 sc0 ls39 ws3b\">2,143<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x20d7 y6b81 w508 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">7,077<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x20d8 y6b81 wf9b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">49<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x20d9 y6b81 wf9c h21e\"><div class=\"t m0 x1ed h9c y6b6c ff1 fs5e fc3 sc0 ls39 ws3b\">133<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x20da y6b81 wf9d h21e\"><div class=\"t m0 x1ed h9c y6b6c ff1 fs5e fc3 sc0 ls39 ws3b\">14<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x20db y6b81 wf9e h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">196<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n x20dc y6b81 w105b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">168<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x20dd y6b81 wfa5 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">168<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x20de y6b81 wf6a h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(1)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x20df y6b81 w105c h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(1)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x20e0 y6b81 wf74 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(2)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x20e1 y6b81 wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x20e2 y6b81 wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x20e3 y6b81 wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x20e4 y6b81 wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x20e5 y6b81 wfa6 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(83)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x20e6 y6b81 wfa6 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(83)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x20e7 y6b81 w105d h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(1.1)%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x221 hc6 y6bb9 ff1 fs5e fc3 sc0 ls39 ws0\">Non Corporate </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y6b84 wf54 h21e\"><div class=\"t m0 x1ed h9c y6b6c ff1 fs5e fc3 sc0 ls39 ws3b\">Lending<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x20e8 y6b84 wfa8 h21e\"><div class=\"t m0 x1ed h9c y6b6c ff1 fs5e fc3 sc0 ls39 ws3b\">3,241<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x20e9 y6b84 wfa9 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">363<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x20ea y6b84 wfaa h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">3,604<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x20eb y6b84 wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x20ec y6b84 wf66 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x20ed y6b84 wf66 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x20ee y6b84 wf66 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n x20ef y6b84 wf66 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x20f0 y6b84 wf66 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x20f1 y6b84 wf6a h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(1)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x20f2 y6b84 wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x20f3 y6b84 wf6a h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(1)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1fdb y6b84 wf6c h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1fdc y6b84 wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d6d y6b84 wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d6e y6b84 wf6c h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1fdd y6b84 wf6c h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1fde y6b84 wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x20f4 y6b84 wf76 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(0.0)%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6b85 wf6e h21e\"><div class=\"t m0 x1ed h9c y6b6c ff1 fs5e fc3 sc0 ls39 ws3b\">Banks<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ed7 y6b85 w105e h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">2,195<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x20f5 y6b85 wfac h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">238<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x20f6 y6b85 w105f h21e\"><div class=\"t m0 x1ed h9c y6b6c ff1 fs5e fc3 sc0 ls39 ws3b\">2,433<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x20f7 y6b85 wf66 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x20f8 y6b85 wf66 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xea3 y6b85 wf66 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x20f9 y6b85 wf66 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n x20fa y6b85 wf95 h21e\"><div class=\"t m0 x1ed h9c y6b6c ff1 fs5e fc3 sc0 ls0 ws0\">3<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x20fb y6b85 wf95 h21e\"><div class=\"t m0 x1ed h9c y6b6c ff1 fs5e fc3 sc0 ls0 ws0\">3<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x20fc y6b85 wf6a h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(1)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x20fd y6b85 wf66 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd8a y6b85 wf6a h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(1)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x20fe y6b85 wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x20ff y6b85 wf6c h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x144b y6b85 wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2100 y6b85 wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2101 y6b85 w67a h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(3)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2102 y6b85 w67a h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(3)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2103 y6b85 w661 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(0.2)%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6b86 wfaf h205\"><div class=\"t m0 x1ed h9c y6b6c ff2 fs5e fc3 sc0 ls39 ws3b\">UK<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2104 y6b86 w1060 h21e\"><div class=\"t m0 x1ed h9c y6b6c ff1 fs5e fc3 sc0 ls39 ws3b\">21,555<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2105 y6b86 w3f2 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">5,985<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e74 y6b86 w776 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">27,540<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2106 y6b86 w1061 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">48<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2107 y6b86 w1062 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">1,940<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2108 y6b86 w1063 h21e\"><div class=\"t m0 x1ed h9c y6b6c ff1 fs5e fc3 sc0 ls39 ws3b\">141<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2109 y6b86 wff3 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">2,129<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n x210a y6b86 wf8d h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">756<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x210b y6b86 w1064 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">756<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x210c y6b86 w1065 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(10)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x210d y6b86 wf5c h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(4)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x210e y6b86 wf8a h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(14)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x210f y6b86 wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2110 y6b86 wfb5 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(27)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2111 y6b86 wf51 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(6)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2112 y6b86 wf50 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(33)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2113 y6b86 w1c7 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(258)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2114 y6b86 w1c7 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(258)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2115 y6b86 wf6d h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(1.0)%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x221 hc6 y6bba ff1 fs5e fc3 sc0 ls39 ws3b\">Corporate </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y6b88 wf54 h251\"><div class=\"t m0 x1ed h9c y6b7c ff1 fs5e fc3 sc0 ls39 ws3b\">Lending<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2116 y6b88 w1066 h251\"><div class=\"t m0 x1ed h9c y6b7c ff1 fs5e fc3 sc0 ls39 ws3b\">2,331<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2117 y6b88 w102a h2c6\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">2,082<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2118 y6b88 w1057 h251\"><div class=\"t m0 x1ed h9c y6b7c ff1 fs5e fc3 sc0 ls39 ws3b\">4,413<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2119 y6b88 w1067 h2c6\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">47<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x211a y6b88 w1068 h251\"><div class=\"t m0 x1ed h9c y6b7c ff1 fs5e fc3 sc0 ls39 ws3b\">1,433<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2088 y6b88 wf96 h2c6\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">27<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x211b y6b88 w1069 h2c6\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">1,507<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n x211c y6b88 w106a h2c6\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">658<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x5e4 y6b88 w104f h2c6\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">658<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x211d y6b88 wfbb h2c6\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(9)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x211e y6b88 w67a h2c6\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(3)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x211f y6b88 w106b h2c6\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(12)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1fba y6b88 wf6b h2c6\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2120 y6b88 w106c h2c6\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(27)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2121 y6b88 wf51 h2c6\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(6)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2122 y6b88 wf50 h2c6\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(33)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2123 y6b88 w106d h2c6\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(237)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2124 y6b88 wfbe h2c6\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(237)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2125 y6b88 w106e h2c6\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(4.3)%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x221 hc6 y6bbb ff1 fs5e fc3 sc0 ls39 ws0\">Non Corporate </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y6b8b wf54 h251\"><div class=\"t m0 x1ed h9c y6b7c ff1 fs5e fc3 sc0 ls39 ws3b\">Lending<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2126 y6b8b w106f h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">17,040<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2127 y6b8b w1070 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">1,753<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2128 y6b8b w1071 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">18,793<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2129 y6b8b wf71 h251\"><div class=\"t m0 x1ed h9c y6b7c ff1 fs5e fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x212a y6b8b w1038 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">507<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x212b y6b8b w1072 h251\"><div class=\"t m0 x1ed h9c y6b7c ff1 fs5e fc3 sc0 ls39 ws3b\">112<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x212c y6b8b wf65 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">620<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n x212d y6b8b w1073 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">97<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x212e y6b8b wfd8 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">97<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x212f y6b8b wf6a h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(1)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2130 y6b8b wf6a h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(1)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2131 y6b8b wf74 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(2)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2132 y6b8b wf6c h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2133 y6b8b wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2134 y6b8b wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2135 y6b8b wf6c h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2136 y6b8b w106b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(21)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2137 y6b8b wfbd h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(21)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2138 y6b8b wf6d h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(0.1)%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6b8c wf6e h251\"><div class=\"t m0 x1ed h9c y6b7c ff1 fs5e fc3 sc0 ls39 ws3b\">Banks<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ed7 y6b8c w1074 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">2,184<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2139 y6b8c w1075 h251\"><div class=\"t m0 x1ed h9c y6b7c ff1 fs5e fc3 sc0 ls39 ws3b\">2,150<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x213a y6b8c w1076 h251\"><div class=\"t m0 x1ed h9c y6b7c ff1 fs5e fc3 sc0 ls39 ws3b\">4,334<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x213b y6b8c wf66 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x213c y6b8c wf66 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x213d y6b8c wfc7 h251\"><div class=\"t m0 x1ed h9c y6b7c ff1 fs5e fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x213e y6b8c wf94 h251\"><div class=\"t m0 x1ed h9c y6b7c ff1 fs5e fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n x213f y6b8c wf71 h251\"><div class=\"t m0 x1ed h9c y6b7c ff1 fs5e fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2140 y6b8c wf71 h251\"><div class=\"t m0 x1ed h9c y6b7c ff1 fs5e fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2141 y6b8c wf66 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2142 y6b8c wf66 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2143 y6b8c wf6c h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2144 y6b8c wf6c h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2145 y6b8c wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2146 y6b8c wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9af y6b8c wf6c h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2147 y6b8c wf6c h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2148 y6b8c wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2149 y6b8c wf92 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(0.0)%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6b8d wfc8 h205\"><div class=\"t m0 x1ed h9c y6b7c ff2 fs5e fc3 sc0 ls39 ws3b\">US<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1de0 y6b8d w1077 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">15,707<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x214a y6b8d w1078 h251\"><div class=\"t m0 x1ed h9c y6b7c ff1 fs5e fc3 sc0 ls39 ws3b\">4,400<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x214b y6b8d w1079 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">20,107<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x214c y6b8d wf8f h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">92<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x214d y6b8d wfcc h251\"><div class=\"t m0 x1ed h9c y6b7c ff1 fs5e fc3 sc0 ls39 ws3b\">433<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x214e y6b8d wfcd h251\"><div class=\"t m0 x1ed h9c y6b7c ff1 fs5e fc3 sc0 ls39 ws3b\">33<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x214f y6b8d w107a h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">558<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n x2150 y6b8d wf64 h251\"><div class=\"t m0 x1ed h9c y6b7c ff1 fs5e fc3 sc0 ls0 ws0\">4<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2151 y6b8d wf64 h251\"><div class=\"t m0 x1ed h9c y6b7c ff1 fs5e fc3 sc0 ls0 ws0\">4<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x211d y6b8d wfcf h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(4)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2152 y6b8d wf6a h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(1)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1cd7 y6b8d wf5b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(5)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2153 y6b8d wf6a h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(1)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2154 y6b8d wf6a h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(1)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f2d y6b8d wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2155 y6b8d wf74 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(2)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2156 y6b8d w67a h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(3)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2157 y6b8d w67a h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(3)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1a16 y6b8d wf92 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(0.0)%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x221 hc6 y6bbc ff1 fs5e fc3 sc0 ls39 ws3b\">Corporate </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y6b8f wf54 h251\"><div class=\"t m0 x1ed h9c y6b7c ff1 fs5e fc3 sc0 ls39 ws3b\">Lending<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2158 y6b8f w107b h251\"><div class=\"t m0 x1ed h9c y6b7c ff1 fs5e fc3 sc0 ls39 ws3b\">5,334<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2159 y6b8f w107c h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">2,705<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x215a y6b8f w107d h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">8,039<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x215b y6b8f w107e h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">77<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x215c y6b8f wfd2 h251\"><div class=\"t m0 x1ed h9c y6b7c ff1 fs5e fc3 sc0 ls39 ws3b\">322<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1eed y6b8f wf66 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x215d y6b8f wf7b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">399<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n x215e y6b8f wf71 h251\"><div class=\"t m0 x1ed h9c y6b7c ff1 fs5e fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x215f y6b8f wfc1 h251\"><div class=\"t m0 x1ed h9c y6b7c ff1 fs5e fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2160 y6b8f w67a h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(3)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x20df y6b8f w105c h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(1)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2161 y6b8f wf7f h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(4)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2162 y6b8f wf6a h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(1)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2163 y6b8f wf6a h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(1)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2164 y6b8f wf6c h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2165 y6b8f wf74 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(2)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b28 y6b8f wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d01 y6b8f wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2166 y6b8f wf6d h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(0.1)%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x221 hc6 y6bbd ff1 fs5e fc3 sc0 ls39 ws0\">Non Corporate </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y6b92 wf54 h251\"><div class=\"t m0 x1ed h9c y6b7c ff1 fs5e fc3 sc0 ls39 ws3b\">Lending<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2095 y6b92 wfd5 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">9,688<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2167 y6b92 wfd6 h251\"><div class=\"t m0 x1ed h9c y6b7c ff1 fs5e fc3 sc0 ls39 ws3b\">123<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2168 y6b92 wf59 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">9,811<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2169 y6b92 w107f h251\"><div class=\"t m0 x1ed h9c y6b7c ff1 fs5e fc3 sc0 ls39 ws3b\">15<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x216a y6b92 wfd8 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">79<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x216b y6b92 wf66 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x216c y6b92 wf4b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">94<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n x216d y6b92 wf95 h251\"><div class=\"t m0 x1ed h9c y6b7c ff1 fs5e fc3 sc0 ls0 ws0\">3<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x216e y6b92 wf95 h251\"><div class=\"t m0 x1ed h9c y6b7c ff1 fs5e fc3 sc0 ls0 ws0\">3<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x216f y6b92 wf6a h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(1)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2170 y6b92 wf66 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2171 y6b92 wf6a h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(1)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2172 y6b92 wf6c h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2173 y6b92 wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2174 y6b92 wf6c h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2175 y6b92 wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2176 y6b92 w67a h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(3)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2177 y6b92 w67a h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(3)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2178 y6b92 wf92 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(0.0)%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6b93 wf6e h251\"><div class=\"t m0 x1ed h9c y6b7c ff1 fs5e fc3 sc0 ls39 ws3b\">Banks<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2179 y6b93 w106a h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">685<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x217a y6b93 wfda h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">1,572<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x217b y6b93 wf56 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">2,257<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x217c y6b93 wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x217d y6b93 wfdb h251\"><div class=\"t m0 x1ed h9c y6b7c ff1 fs5e fc3 sc0 ls39 ws3b\">32<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e1b y6b93 wfcd h251\"><div class=\"t m0 x1ed h9c y6b7c ff1 fs5e fc3 sc0 ls39 ws3b\">33<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x217e y6b93 wfdc h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">65<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n x217f y6b93 wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2180 y6b93 wf66 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2181 y6b93 wf66 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2182 y6b93 wf66 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2183 y6b93 wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2184 y6b93 wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2185 y6b93 wf6c h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2186 y6b93 wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2187 y6b93 wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2188 y6b93 wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x13bd y6b93 wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2189 y6b93 wf76 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(0.0)%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6b94 wfdd h205\"><div class=\"t m0 x1ed h9c y6b7c ff5 fs5e fc3 sc0 ls39 ws3b\">Others<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e29 y6b94 w9ed h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">32,116<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x218a y6b94 w65f h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">16,437<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x218b y6b94 w1080 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">48,553<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x218c y6b94 we88 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">318<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x218d y6b94 wfa4 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">1,726<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x218e y6b94 wfa5 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">681<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x218f y6b94 wf56 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">2,725<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n x2190 y6b94 w1081 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">2,081<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2191 y6b94 w1081 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">2,081<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2192 y6b94 wfb4 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(10)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2193 y6b94 wf50 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(33)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2194 y6b94 wfe4 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(43)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2195 y6b94 w67a h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(3)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2196 y6b94 wfe5 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(70)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2197 y6b94 w1082 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(29)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2198 y6b94 wfe6 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(102)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2199 y6b94 wfe8 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(1,483)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x219a y6b94 wfe8 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(1,483)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x219b y6b94 wff6 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(3.1)%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x221 hc6 y6bbe ff1 fs5e fc3 sc0 ls39 ws3b\">Corporate </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y6b96 wf54 h251\"><div class=\"t m0 x1ed h9c y6b7c ff1 fs5e fc3 sc0 ls39 ws3b\">Lending<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f8a y6b96 w180 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">21,909<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x219c y6b96 wfc5 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">12,516<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x219d y6b96 w1083 h251\"><div class=\"t m0 x1ed h9c y6b7c ff1 fs5e fc3 sc0 ls39 ws3b\">34,425<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x219e y6b96 wfec h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">291<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x219f y6b96 w1084 h251\"><div class=\"t m0 x1ed h9c y6b7c ff1 fs5e fc3 sc0 ls39 ws3b\">1,030<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x21a0 y6b96 w1085 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">490<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x21a1 y6b96 w1086 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">1,811<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n x21a2 y6b96 w1022 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">1,883<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17e1 y6b96 w1022 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">1,883<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x21a3 y6b96 wf89 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(6)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x21a4 y6b96 weab h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(26)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x21a5 y6b96 wcc2 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(32)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x21a6 y6b96 w67a h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(3)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x21a7 y6b96 wfa6 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(38)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x21a8 y6b96 w47e h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(28)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x21a9 y6b96 wfee h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(69)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x21aa y6b96 w6c7 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(1,333)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x21ab y6b96 w6c7 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(1,333)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x198d y6b96 w1087 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(3.8)%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x221 hc6 y6bbf ff1 fs5e fc3 sc0 ls39 ws0\">Non Corporate </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y6b99 wf54 h251\"><div class=\"t m0 x1ed h9c y6b7c ff1 fs5e fc3 sc0 ls39 ws3b\">Lending<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1da8 y6b99 w1088 h251\"><div class=\"t m0 x1ed h9c y6b7c ff1 fs5e fc3 sc0 ls39 ws3b\">332<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x21ac y6b99 w1089 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">2,296<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x21ad y6b99 w108a h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">2,628<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x21ae y6b99 wfc2 h251\"><div class=\"t m0 x1ed h9c y6b7c ff1 fs5e fc3 sc0 ls39 ws3b\">22<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x21af y6b99 w108b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">610<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x21b0 y6b99 wf9d h251\"><div class=\"t m0 x1ed h9c y6b7c ff1 fs5e fc3 sc0 ls39 ws3b\">41<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x21b1 y6b99 wf57 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">673<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n x21b2 y6b99 w108c h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">191<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x21b3 y6b99 w108c h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">191<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x21b4 y6b99 wf66 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x21b5 y6b99 wf89 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(6)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x21b6 y6b99 wf51 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(6)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1da3 y6b99 wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x21b7 y6b99 wff4 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(31)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x21b8 y6b99 wf6a h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(1)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x21b9 y6b99 wcc2 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(32)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16e5 y6b99 wff5 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(149)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x21ba y6b99 wff5 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(149)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x21bb y6b99 w143 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(5.4)%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6b9a wf6e h251\"><div class=\"t m0 x1ed h9c y6b7c ff1 fs5e fc3 sc0 ls39 ws3b\">Banks<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e61 y6b9a w108a h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">9,875<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x21bc y6b9a w105e h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">1,625<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x21bd y6b9a w108d h251\"><div class=\"t m0 x1ed h9c y6b7c ff1 fs5e fc3 sc0 ls39 ws3b\">11,500<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x12ba y6b9a wf73 h251\"><div class=\"t m0 x1ed h9c y6b7c ff1 fs5e fc3 sc0 ls0 ws0\">5<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x21be y6b9a wff9 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">86<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x21bf y6b9a wffa h251\"><div class=\"t m0 x1ed h9c y6b7c ff1 fs5e fc3 sc0 ls39 ws3b\">150<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x21c0 y6b9a wffb h251\"><div class=\"t m0 x1ed h9c y6b7c ff1 fs5e fc3 sc0 ls39 ws3b\">241<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n x21c1 y6b9a wffc h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">7<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x20ac y6b9a w108e h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">7<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x21c2 y6b9a wf5c h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(4)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d45 y6b9a wf6a h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(1)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x21c3 y6b9a wf5b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(5)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d58 y6b9a wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x21c4 y6b9a wf6a h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(1)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x21c5 y6b9a wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x21c6 y6b9a wf6a h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(1)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x21c7 y6b9a wf6a h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(1)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x21c8 y6b9a wf6a h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(1)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x21c9 y6b9a wf6d h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(0.1)%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6567 wffd h205\"><div class=\"t m0 x1ed h9c y6b7c ff5 fs5e fc3 sc0 ls39 ws3b\">Total<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e72 y6567 wffe h251\"><div class=\"t m0 x1ed h9c y6b7c ff1 fs5e fc3 sc0 ls39 ws3b\">143,505<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x21ca y6567 wded h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">50,407<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x21cb y6567 w1000 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">193,912<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x21cc y6567 w1001 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">1,237<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x21cd y6567 w108f h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">6,790<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x21ce y6567 w1090 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">968<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x21cf y6567 w1091 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">8,995<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n x21d0 y6567 wf61 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">4,657<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbb3 y6567 wf61 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">4,657<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x21d1 y6567 w6cd h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(35)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x21d2 y6567 w6ea h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(55)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x21d3 y6567 w1092 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(90)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x21d4 y6567 wf8a h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(41)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x21d5 y6567 w1093 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(219)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x21d6 y6567 w888 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(44)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x21d7 y6567 w1094 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(304)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x525 y6567 w1095 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(3,183)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x21d8 y6567 w1095 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(3,183)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x21d9 y6567 wdba h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(1.7)%<span class=\"_ _3eb\"> </span></div></td></tr></table>1 <span class=\"_ _b\"> </span><span class=\"ff4\">Refer to the equivalent table on page 244 of the Risk Review section.<span class=\"_ _3eb\"> </span></span>Industry analysis of <span class=\"_ _1b\"></span>loans and advances by <span class=\"_ _7\"></span>key geography \u2013 <span class=\"_ _1b\"></span>Corporate &amp; Investment Banking and Central <span class=\"_ _1b\"></span>&amp; other items (page <span class=\"_ _7\"></span>260)<span class=\"_ _3eb\"> </span>Published table as of 31 December 2024 (Corporate &amp; Investment Banking)<span class=\"_ _3eb\"> </span><table class=\"s w1096 h2c7\" id=\"_ec5f7e4d-8ad1-462c-8ab6-39b006196bbb\"><tr><td></td><td></td><td></td><td></td><td class=\"t m0 x6ba h39 y6bc0 ff1 fs17 fc3 sc0 ls21 ws20\">2024<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"t m0 x21da h39 y6bc1 ff1 fs17 fc3 sc0 ls21 ws0\">Hong Kong<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x17c1 h39 y6bc1 ff1 fs17 fc3 sc0 ls21 ws20\">China<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x667 h39 y6bc1 ff1 fs17 fc3 sc0 ls21 ws20\">Singapore </td><td class=\"t m0 x21db h39 y6bc1 ff1 fs17 fc3 sc0 ls21 ws20\">UK<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x14b8 h39 y6bc1 ff1 fs17 fc3 sc0 ls21 ws20\">US<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x674 h39 y6bc1 ff1 fs17 fc3 sc0 ls21 ws20\">Other<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x6cb h39 y6bc1 ff1 fs17 fc3 sc0 ls21 ws20\">Total<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"t m0 x235 h39 y6bc2 ff1 fs17 fc3 sc0 ls21 ws0\">Amortised Cost<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x4bc h2c y6bc2 ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x4bd h2c y6bc2 ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x4be h2c y6bc2 ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x4bf h2c y6bc2 ff4 fs17 fc3 sc0 ls21 ws20\">$million </td><td class=\"t m0 x4c0 h2c y6bc2 ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x6bb h2c y6bc2 ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x234 h2c y6bc2 ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"t m0 x235 h8 y6bc3 ff5 fs5 fc3 sc0 ls5 ws5\">Industry:<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y658b w1097 h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">Energy<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x21dc y658b w1098 h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">2,200<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x21dd y658b w1e6 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">59<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18a6 y658b wb5a h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">1,552<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x21de y658b w211 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">1,744<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x21df y658b wb53 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">1,750<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x21e0 y658b w1099 h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">5,551<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x21e1 y658b w109a h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">12,856<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y655a w109b h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">Manufacturing<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x21e2 y655a w109c h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">4,077<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x21e3 y655a w6d7 h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">4,200<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x21e4 y655a w29a h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">1,463<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x21e5 y655a w109d h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">389<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x21e6 y655a w2c8 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">2,307<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1571 y655a w43c h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">8,431<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x21e7 y655a w2ec h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">20,867<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y655b w109e h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Financing, insurance and non\u2013banking<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x21e8 y655b w82e h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">3,674<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x21e9 y655b w346 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">3,486<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x21ea y655b w329 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">1,893<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1fa7 y655b w109f h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">4,005<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x21eb y655b w10a0 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">9,900<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x21ec y655b w5d3 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">12,696<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x21ed y655b w10a1 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">35,654<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y655c w10a2 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Transport, telecom and utilities<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x21ee y655c wc9 h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">5,131<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x21ef y655c w11b h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">662<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x21f0 y655c wa63 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">3,106<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x21f1 y655c w4f h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">1,084<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x21f2 y655c wd8 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">936<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x21f3 y655c w4cf h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">7,685<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x21f4 y655c w10a3 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">18,604<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y655d w10a4 h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Food and household products<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x21f5 y655d w35b h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">1,038<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x21f6 y655d w10a5 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">428<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x21f7 y655d w10a6 h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">1,414<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x116c y655d w395 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">962<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x21f8 y655d w37d h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">685<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x21f9 y655d w69e h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">4,202<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x21fa y655d w499 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">8,729<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6573 w10a7 h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Commercial Real estate<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x21fb y6573 w5bb h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">4,512<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x21fc y6573 w2bf h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">334<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x21fd y6573 we0 h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">1,404<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x21fe y6573 wa63 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">1,039<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x21ff y6573 w2a9 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">1,650<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2200 y6573 w10a8 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">4,994<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2201 y6573 w10a9 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">13,933<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6574 w10aa h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Mining and Quarrying<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2202 y6574 w10ab h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">608<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2203 y6574 w998 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">606<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2204 y6574 w10ac h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">847<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2205 y6574 w10ad h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">1,426<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2206 y6574 w40e h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">224<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2207 y6574 web4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">2,170<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2208 y6574 web4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">5,881<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6560 w10ae h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Consumer durables<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2209 y6560 w10af h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">2,780<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x220a y6560 wee h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">293<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x220b y6560 wf00 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">466<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x220c y6560 w947 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">84<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x220d y6560 w50c h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">537<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x21f9 y6560 w10b0 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">2,046<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x220e y6560 w8bd h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">6,206<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6575 w10b1 h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">Construction<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x220f y6575 w288 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">318<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2210 y6575 w995 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">156<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2211 y6575 w1a6 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">372<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2212 y6575 w30f h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">96<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2213 y6575 wabc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">247<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2214 y6575 w3b0 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">1,268<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2215 y6575 wd1e h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">2,457<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y658d w10b2 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Trading Companies &amp; Distributors<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2216 y658d w1e6 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">95<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2217 y658d w26f h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">103<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2218 y658d w10b3 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">106<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2219 y658d wcf h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">31<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x221a y658d w38f h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">40<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x221b y658d w10b4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">277<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x221c y658d wa55 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">652<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6610 w10b5 h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">Government<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x221d y6610 w583 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">2,576<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x221e y6610 w628 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">117<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8f0 y6610 wcbd h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">219<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x221f y6610 w4ce h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">169<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2220 y6610 w3c h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls0 ws0\">4<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2221 y6610 w512 h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">4,352<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2222 y6610 w4f h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">7,437<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6577 w413 h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">Other<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2223 y6577 w10b6 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">1,419<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e7b y6577 wfc0 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">563<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2224 y6577 w9cb h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">786<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2225 y6577 w67 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">377<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2226 y6577 w10b7 h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">233<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1a18 y6577 w2a9 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">1,650<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x13d7 y6577 w22f h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">5,028<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6566 w10b8 h203\"><div class=\"t m0 x1ed h1a y65de ff5 fs5 fc3 sc0 ls5 ws5\">Net Loans and advances to Customers<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2227 y6566 w10b9 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">28,428<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x92b y6566 w10ba h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">11,007<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1684 y6566 w392 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">13,628<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2184 y6566 w7c9 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">11,406<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2228 y6566 w2cc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">18,513<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15ee y6566 w23e h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">55,322<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2229 y6566 w10bb h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">138,304<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6567 w10bc h203\"><div class=\"t m0 x1ed h1a y65de ff5 fs5 fc3 sc0 ls5 ws5\">Net Loans and advances to Banks<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x222a y6567 w3d h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">16,727<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x222b y6567 w10bd h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">2,443<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x222c y6567 w10be h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">7,721<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x222d y6567 wa74 h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">4,103<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x222e y6567 w10bf h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">2,766<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x50a y6567 w215 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">9,833<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x222f y6567 wca h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">43,593<span class=\"_ _3eb\"> </span></div></td></tr></table>Adjustment table (Corporate &amp; Investment Banking and Central &amp; other items)<span class=\"_ _3eb\"> </span><table class=\"s w10c0 h2c7\" id=\"_2fd422de-5aaa-4858-9dca-8a8be17c85a9\"><tr><td></td><td></td><td></td><td></td><td class=\"t m0 x6ba h39 y6bc4 ff1 fs17 fc3 sc0 ls21 ws20\">2024<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"t m0 x21da h39 y6bc5 ff1 fs17 fc3 sc0 ls21 ws0\">Hong Kong<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x17c1 h39 y6bc5 ff1 fs17 fc3 sc0 ls21 ws20\">China<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x667 h39 y6bc5 ff1 fs17 fc3 sc0 ls21 ws20\">Singapore </td><td class=\"t m0 x21db h39 y6bc5 ff1 fs17 fc3 sc0 ls21 ws20\">UK<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x14b8 h39 y6bc5 ff1 fs17 fc3 sc0 ls21 ws20\">US<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x674 h39 y6bc5 ff1 fs17 fc3 sc0 ls21 ws20\">Other<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x6cb h39 y6bc5 ff1 fs17 fc3 sc0 ls21 ws20\">Total<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"t m0 x235 h39 y6bc6 ff1 fs17 fc3 sc0 ls21 ws0\">Amortised Cost<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x4bc h2c y6bc6 ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x4bd h2c y6bc6 ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x4be h2c y6bc6 ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x4bf h2c y6bc6 ff4 fs17 fc3 sc0 ls21 ws20\">$million </td><td class=\"t m0 x4c0 h2c y6bc6 ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x6bb h2c y6bc6 ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x234 h2c y6bc6 ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"t m0 x235 h8 y6bc7 ff5 fs5 fc3 sc0 ls5 ws5\">Industry:<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y6559 w1097 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">Energy<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2230 y6559 w10b6 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">1,164<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2231 y6559 wac h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(1)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2232 y6559 w10c1 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(1,537)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2233 y6559 wca h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(1,922)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2234 y6559 w1ee h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(21)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2235 y6559 w342 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">2,313<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2236 y6559 w982 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(4)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y655a w109b h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">Manufacturing<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2237 y655a w2bc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2238 y655a w2bc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2239 y655a w633 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(192)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x223a y655a w46 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(271)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x223b y655a w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x223c y655a w118 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">463<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1816 y655a w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y655b w109e h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Financing, insurance and non\u2013banking<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x223d y655b w5d8 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">41<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x223e y655b w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x223f y655b w76e h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(508)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2240 y655b w10c2 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(8,277)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2241 y655b w1cf h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2242 y655b w29a h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">8,718<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2243 y655b w4d7 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(26)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y655c w10a2 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Transport, telecom and utilities<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2244 y655c w2bc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x221e y655c w27b h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">50<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2245 y655c wa70 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(660)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2246 y655c w10c3 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(1,512)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2247 y655c w1e6 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">56<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2248 y655c w31a h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">2,060<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2249 y655c w4c8 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(6)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y655d w10a4 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Food and household products<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x224a y655d w2bc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x224b y655d w2bc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x841 y655d w408 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(58)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x224c y655d w2ba h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(189)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x224d y655d w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x224e y655d wabc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">247<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x224f y655d w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6573 w10a7 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Commercial Real estate<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2250 y6573 w2bc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2251 y6573 w2bc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2252 y6573 w10c4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(17)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2253 y6573 wa67 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(68)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2254 y6573 w5d2 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">75<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2255 y6573 w94 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">10<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2256 y6573 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6574 w10aa h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Mining and Quarrying<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2257 y6574 w2bc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2258 y6574 w2bc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2259 y6574 w46e h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(19)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x225a y6574 w8f6 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(218)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x225b y6574 w6c h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">10<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x225c y6574 w10c5 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">227<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x225d y6574 w1cf h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6646 w10ae h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Consumer durables<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x225e y6646 w2bc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x225f y6646 w2bc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2260 y6646 w9a3 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(38)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2261 y6646 wf1d h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(70)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2262 y6646 w1e6 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">56<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2263 y6646 w4be h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">51<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2264 y6646 wac h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(1)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6561 w10b1 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">Construction<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2265 y6561 w2bc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2266 y6561 w2bc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2267 y6561 w81 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(110)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2268 y6561 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2269 y6561 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x226a y6561 wae3 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">110<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbe0 y6561 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6562 w10b2 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Trading Companies &amp; Distributors<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x226b y6562 w2bc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x226c y6562 w2bc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x4f8 y6562 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1443 y6562 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x226d y6562 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x226e y6562 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11e0 y6562 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6610 w10b5 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">Government<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x226f y6610 w10c6 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(1,260)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2251 y6610 w2bc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2270 y6610 w10c7 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(20,047)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2271 y6610 w10c8 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(1,502)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2272 y6610 w1cf h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2273 y6610 w10c9 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">760<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2274 y6610 w10ca h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(22,049)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6577 w413 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">Other<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2275 y6577 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2276 y6577 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2277 y6577 wc9 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(30)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2278 y6577 w10cb h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(347)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2279 y6577 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x227a y6577 w1a6 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">372<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x227b y6577 w4db h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(5)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6566 w10b8 h203\"><div class=\"t m0 x1ed h1a y65de ff5 fs5 fc3 sc0 ls5 ws5\">Net Loans and advances to Customers<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x227c y6566 wdc0 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(55)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x227d y6566 w107a h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">49<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x227e y6566 w10cc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(23,216)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x227f y6566 w10cd h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(14,376)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2280 y6566 w63d h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">176<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2281 y6566 w10ce h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">15,331<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2282 y6566 w10cf h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(22,091)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6567 w10bc h203\"><div class=\"t m0 x1ed h1a y65de ff5 fs5 fc3 sc0 ls5 ws5\">Net Loans and advances to Banks<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2283 y6567 w10d0 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">1,669<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2284 y6567 w310 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">11<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2285 y6567 w10d1 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">20<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2286 y6567 w2cd h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(234)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2287 y6567 wb18 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">444<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2288 y6567 w10d2 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(1,910)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10f7 y6567 w1cf h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr></table>Re\u2013presented table as of 31 December 2024 <span class=\"ls0\"> </span>(Corporate &amp; Investment Banking and Central &amp; other items)<span class=\"_ _3eb\"> </span><table class=\"s wf25 h2c8\" id=\"_71361a3d-1315-4add-ab12-199fdcb15b86\"><tr><td></td><td></td><td></td><td></td><td class=\"c x228a y6bc8 w10d3 h257\"><div class=\"t m0 x1ed h39 y65c3 ff1 fs17 fc3 sc0 ls21 ws20\">2024</div><div class=\"t m0 x2289 h3a y664d ff1 fs19 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"t m0 xf3f h39 y6bc9 ff1 fs17 fc3 sc0 ls21 ws0\">Hong Kong<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1656 h39 y6bc9 ff1 fs17 fc3 sc0 ls21 ws20\">China<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1557 h39 y6bc9 ff1 fs17 fc3 sc0 ls21 ws20\">Singapore </td><td class=\"t m0 x8b9 h39 y6bc9 ff1 fs17 fc3 sc0 ls21 ws20\">UK<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x545 h39 y6bc9 ff1 fs17 fc3 sc0 ls21 ws20\">US<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x533 h39 y6bc9 ff1 fs17 fc3 sc0 ls21 ws20\">Other<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x60a h39 y6bc9 ff1 fs17 fc3 sc0 ls21 ws20\">Total<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"t m0 x221 h39 y6bca ff1 fs17 fc3 sc0 ls21 ws0\">Amortised Cost<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xf3c h2c y6bca ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xf3d h2c y6bca ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x176a h2c y6bca ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x228b h2c y6bca ff4 fs17 fc3 sc0 ls21 ws20\">$million </td><td class=\"t m0 x1b4d h2c y6bca ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xde5 h2c y6bca ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1ec h2c y6bca ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"t m0 x221 h8 y6bcb ff5 fs5 fc3 sc0 ls5 ws5\">Industry:<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y6559 w1097 h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">Energy<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x228c y6559 w10d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">1,036<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x228d y6559 w10d5 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">60<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x228e y6559 w8c0 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">3,089<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x228f y6559 w324 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">3,666<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2290 y6559 w559 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">1,771<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2291 y6559 w10d6 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">3,238<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2292 y6559 w10d7 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">12,860<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y655a w109b h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">Manufacturing<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x21e2 y655a w109c h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">4,077<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x21e3 y655a w6d7 h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">4,200<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2293 y655a w336 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">1,655<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2294 y655a w10d8 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">660<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2295 y655a wdb h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">2,307<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2296 y655a w10d9 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">7,968<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2297 y655a w10da h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">20,867<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y655b w109e h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Financing, insurance and non\u2013banking<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2298 y655b w8ec h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">3,633<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2299 y655b w346 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">3,486<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x229a y655b w10db h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">2,401<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1a25 y655b w10dc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">12,282<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x229b y655b w10a0 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">9,900<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x229c y655b w2b5 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">3,978<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x229d y655b w10dd h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">35,680<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y655c w10a2 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Transport, telecom and utilities<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x21ee y655c wc9 h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">5,131<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x229e y655c w10de h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">612<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x229f y655c w10df h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">3,766<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x22a0 y655c w2dc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">2,596<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x22a1 y655c w9e6 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">880<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x22a2 y655c wa65 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">5,625<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x22a3 y655c w319 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">18,610<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y655d w10a4 h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Food and household products<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x21f5 y655d w35b h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">1,038<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x21f6 y655d w10a5 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">428<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x22a4 y655d w598 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">1,472<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x22a5 y655d w96d h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">1,151<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x22a6 y655d w117 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">685<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x22a7 y655d w10e0 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">3,955<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x22a8 y655d w499 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">8,729<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6679 w10a7 h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Commercial Real estate<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x21fb y6679 w5bb h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">4,512<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x21fc y6679 w2bf h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">334<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x22a9 y6679 w10e1 h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">1,421<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x22aa y6679 w6f5 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">1,107<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x22ab y6679 w10e2 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">1,575<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x22ac y6679 w8bd h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">4,984<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x22ad y6679 w10a9 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">13,933<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y667a w10aa h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Mining and Quarrying<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2202 y667a w10ab h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">608<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2203 y667a w998 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">606<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2204 y667a w10e3 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">866<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x22ae y667a w10e4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">1,644<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x22af y667a w8ca h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">214<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x22b0 y667a w29a h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">1,943<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x22b1 y667a web4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">5,881<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6646 w10ae h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Consumer durables<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2209 y6646 w10af h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">2,780<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x220a y6646 wee h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">293<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x22b2 y6646 w10e5 h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">504<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x22b3 y6646 w3de h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">154<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x22b4 y6646 w292 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">481<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x22b5 y6646 w3bb h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">1,995<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x22b6 y6646 w9ad h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">6,207<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6561 w10b1 h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">Construction<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x220f y6561 w288 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">318<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2210 y6561 w995 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">156<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x22b7 y6561 w10e6 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">482<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x22b8 y6561 w30f h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">96<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x22b9 y6561 w10e7 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">247<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x22ba y6561 w10e8 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">1,158<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x22bb y6561 wd1e h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">2,457<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6562 w10b2 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Trading Companies &amp; Distributors<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2216 y6562 w1e6 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">95<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2217 y6562 w26f h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">103<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2218 y6562 w10b3 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">106<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2219 y6562 wcf h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">31<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x221a y6562 w38f h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">40<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x221b y6562 w10b4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">277<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x221c y6562 wa55 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">652<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6610 w10b5 h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">Government<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x221d y6610 w215 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">3,836<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x22bc y6610 w10e9 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">117<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x22bd y6610 w10ea h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">20,266<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x22be y6610 w10eb h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">1,671<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x22bf y6610 w3c h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls0 ws0\">4<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x22c0 y6610 w3c1 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">3,592<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x22c1 y6610 wf1e h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">29,486<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6577 w413 h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">Other<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2223 y6577 w10b6 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">1,419<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e7b y6577 wfc0 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">563<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x22c2 y6577 w421 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">816<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x22c3 y6577 wabc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">724<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x22c4 y6577 w10b7 h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">233<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x22c5 y6577 w10ec h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">1,278<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x22c6 y6577 w6b2 h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">5,033<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6566 w10b8 h203\"><div class=\"t m0 x1ed h1a y65de ff5 fs5 fc3 sc0 ls5 ws5\">Net Loans and advances to Customers<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2227 y6566 w290 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">28,483<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x22c7 y6566 w10ed h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">10,958<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x22c8 y6566 w10ee h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">36,844<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x22c9 y6566 w5b6 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">25,782<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x22ca y6566 w10ef h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">18,337<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x22cb y6566 wbb1 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">39,991<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x22cc y6566 w10f0 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">160,395<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6567 w10bc h203\"><div class=\"t m0 x1ed h1a y65de ff5 fs5 fc3 sc0 ls5 ws5\">Net Loans and advances to Banks<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x22cd y6567 w10f1 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">15,058<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x22ce y6567 w25d h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">2,432<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x22cf y6567 w8f6 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">7,701<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x22d0 y6567 w3e h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">4,337<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x22d1 y6567 w26c h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">2,322<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x22d2 y6567 w955 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">11,743<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x22d3 y6567 wa19 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">43,593<span class=\"_ _3eb\"> </span></div></td></tr></table>1 <span class=\"_ _b\"> </span><span class=\"ff4\">Refer to the equivalent table on the page 260 of the Risk Review <span class=\"_ _7\"></span>section.<span class=\"_ _3eb\"> </span></span>Forborne and other <span class=\"_ _1b\"></span>modified loans by key <span class=\"_ _7\"></span>geography (page 255) Published table as of 31 December 2024<span class=\"_ _3eb\"> </span><table class=\"s w10f2 h2c9\" id=\"_db171227-e1c8-445d-922e-f64c8311f01c\"><tr><td></td><td></td><td></td><td></td><td class=\"t m0 x531 h39 y6bcc ff1 fs17 fc3 sc0 ls21 ws20\">2024<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"t m0 x22d4 h39 y6bcd ff1 fs17 fc3 sc0 ls21 ws0\">Hong Kong<span class=\"ls0\"> </span></td><td class=\"t m0 x179e h39 y6bcd ff1 fs17 fc3 sc0 ls21 ws20\">Korea<span class=\"ls0 ws0\"> </span></td><td class=\"t m0 x1656 h39 y6bcd ff1 fs17 fc3 sc0 ls21 ws20\">China<span class=\"ls0 ws0\"> </span></td><td class=\"t m0 x1557 h39 y6bcd ff1 fs17 fc3 sc0 ls21 ws20\">Singapore<span class=\"ls0 ws0\"> </span></td><td class=\"t m0 x8b9 h39 y6bcd ff1 fs17 fc3 sc0 ls21 ws20\">UK<span class=\"ls0 ws0\"> </span></td><td class=\"t m0 x545 h39 y6bcd ff1 fs17 fc3 sc0 ls21 ws20\">US<span class=\"ls0 ws0\"> </span></td><td class=\"t m0 x533 h39 y6bcd ff1 fs17 fc3 sc0 ls21 ws20\">Other<span class=\"ls0 ws0\"> </span></td><td class=\"t m0 x60a h39 y6bcd ff1 fs17 fc3 sc0 ls21 ws20\">Total<span class=\"ls0 ws0\"> </span></td></tr><tr><td class=\"t m0 x221 h39 y6bce ff1 fs17 fc3 sc0 ls21 ws0\">Amortised cost<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x60c h2c y6bce ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xf3c h2c y6bce ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xf3d h2c y6bce ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x176a h2c y6bce ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x228b h2c y6bce ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1b4d h2c y6bce ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xde5 h2c y6bce ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1ec h2c y6bce ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c n x1ee y6577 w10f3 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Performing forborne loans<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x22d5 y6577 w4da h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x22d6 y6577 w5e h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">8<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x225f y6577 w2bc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x22d7 y6577 w32 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls0 ws0\">3<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x22d8 y6577 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x22d9 y6577 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x22da y6577 w1f2 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">39<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x22db y6577 w92 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">52<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6566 w10f4 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Stage 3 forborne loans<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x22dc y6566 we1c h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">118<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x22dd y6566 w1e1 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">18<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x22de y6566 w10f5 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">77<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x22df y6566 w8f h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">25<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x22e0 y6566 w3a1 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">78<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x22e1 y6566 w41a h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x22e2 y6566 w3de h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">415<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x22e3 y6566 w1a6 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">732<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6567 w10f6 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Net forborne loans<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x22e4 y6567 w8ee h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">120<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xac5 y6567 w10f7 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">26<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x22e5 y6567 w10f8 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">77<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x22e6 y6567 w131 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">28<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x22e7 y6567 w3a1 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">78<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x22e8 y6567 w41a h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x22e9 y6567 w8b7 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">454<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1455 y6567 w10ac h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">784<span class=\"_ _3eb\"> </span></div></td></tr></table>Adjustment table<span class=\"_ _3eb\"> </span><table class=\"s w10f9 h2c9\" id=\"_f58fb998-2043-4467-ae7f-927ea3d05a66\"><tr><td></td><td></td><td></td><td></td><td class=\"t m0 x531 h39 y6bcf ff1 fs17 fc3 sc0 ls21 ws20\">2024<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"t m0 x22d4 h39 y6bd0 ff1 fs17 fc3 sc0 ls21 ws0\">Hong Kong<span class=\"ls0\"> </span></td><td class=\"t m0 x179e h39 y6bd0 ff1 fs17 fc3 sc0 ls21 ws20\">Korea<span class=\"ls0 ws0\"> </span></td><td class=\"t m0 x1656 h39 y6bd0 ff1 fs17 fc3 sc0 ls21 ws20\">China<span class=\"ls0 ws0\"> </span></td><td class=\"t m0 x1557 h39 y6bd0 ff1 fs17 fc3 sc0 ls21 ws20\">Singapore<span class=\"ls0 ws0\"> </span></td><td class=\"t m0 x8b9 h39 y6bd0 ff1 fs17 fc3 sc0 ls21 ws20\">UK<span class=\"ls0 ws0\"> </span></td><td class=\"t m0 x545 h39 y6bd0 ff1 fs17 fc3 sc0 ls21 ws20\">US<span class=\"ls0 ws0\"> </span></td><td class=\"t m0 x533 h39 y6bd0 ff1 fs17 fc3 sc0 ls21 ws20\">Other<span class=\"ls0 ws0\"> </span></td><td class=\"t m0 x60a h39 y6bd0 ff1 fs17 fc3 sc0 ls21 ws20\">Total<span class=\"ls0 ws0\"> </span></td></tr><tr><td class=\"t m0 x221 h39 y6bd1 ff1 fs17 fc3 sc0 ls21 ws0\">Amortised cost<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x60c h2c y6bd1 ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xf3c h2c y6bd1 ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xf3d h2c y6bd1 ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x176a h2c y6bd1 ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x228b h2c y6bd1 ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1b4d h2c y6bd1 ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xde5 h2c y6bd1 ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1ec h2c y6bd1 ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c n x1ee y6577 w10f3 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Performing forborne loans<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x22ea y6577 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x22eb y6577 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x22ec y6577 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb8c y6577 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x4eb y6577 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x4ec y6577 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x22ed y6577 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10d3 y6577 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6566 w10f4 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Stage 3 forborne loans<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x22ee y6566 w7fe h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">8<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x22ef y6566 w47e h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(7)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x22f0 y6566 w10fa h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(8)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x22f1 y6566 w1cf h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x22f2 y6566 w38c h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(3)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x22f3 y6566 w1cf h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x22f4 y6566 w94 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">10<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x85d y6566 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6567 w10f6 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Net forborne loans<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x22f5 y6567 w5e h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">8<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x22f6 y6567 w47e h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(7)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x22f7 y6567 w10fa h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(8)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1c7a y6567 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x22f8 y6567 w38c h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(3)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x22f9 y6567 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x22fa y6567 w6c h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">10<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1c09 y6567 w1cf h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr></table>Re\u2013presented table as of 31 December 2024<span class=\"_ _3eb\"> </span><table class=\"s w10f2 h2ca\" id=\"_56791740-ad72-468f-ba32-92e2538b2b09\"><tr><td></td><td></td><td></td><td></td><td class=\"c x1ac7 y6bd2 w10fb h26a\"><div class=\"t m0 x1ed h39 y6632 ff1 fs17 fc3 sc0 ls21 ws20\">2024</div><div class=\"t m0 x22fb h3a y6938 ff1 fs19 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"t m0 x22d4 h39 y6bd3 ff1 fs17 fc3 sc0 ls21 ws0\">Hong Kong<span class=\"ls0\"> </span></td><td class=\"t m0 x179e h39 y6bd3 ff1 fs17 fc3 sc0 ls21 ws20\">Korea<span class=\"ls0 ws0\"> </span></td><td class=\"t m0 x1656 h39 y6bd3 ff1 fs17 fc3 sc0 ls21 ws20\">China<span class=\"ls0 ws0\"> </span></td><td class=\"t m0 x1557 h39 y6bd3 ff1 fs17 fc3 sc0 ls21 ws20\">Singapore<span class=\"ls0 ws0\"> </span></td><td class=\"t m0 x8b9 h39 y6bd3 ff1 fs17 fc3 sc0 ls21 ws20\">UK<span class=\"ls0 ws0\"> </span></td><td class=\"t m0 x545 h39 y6bd3 ff1 fs17 fc3 sc0 ls21 ws20\">US<span class=\"ls0 ws0\"> </span></td><td class=\"t m0 x533 h39 y6bd3 ff1 fs17 fc3 sc0 ls21 ws20\">Other<span class=\"ls0 ws0\"> </span></td><td class=\"t m0 x60a h39 y6bd3 ff1 fs17 fc3 sc0 ls21 ws20\">Total<span class=\"ls0 ws0\"> </span></td></tr><tr><td class=\"t m0 x221 h39 y6bd4 ff1 fs17 fc3 sc0 ls21 ws0\">Amortised cost<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x60c h2c y6bd4 ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xf3c h2c y6bd4 ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xf3d h2c y6bd4 ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x176a h2c y6bd4 ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x228b h2c y6bd4 ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1b4d h2c y6bd4 ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xde5 h2c y6bd4 ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1ec h2c y6bd4 ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c n x1ee y6577 w10f3 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Performing forborne loans<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x22d5 y6577 w4da h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x22d6 y6577 w5e h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">8<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x225f y6577 w2bc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x22d7 y6577 w32 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls0 ws0\">3<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x22d8 y6577 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x22d9 y6577 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x22da y6577 w1f2 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">39<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x22db y6577 w92 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">52<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6566 w10f4 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Stage 3 forborne loans<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x22fc y6566 wae3 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">110<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x22fd y6566 w10fc h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">25<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x22fe y6566 w10fd h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">85<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x22ff y6566 w92 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">25<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1bcc y6566 wa9b h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">81<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2300 y6566 w41a h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2301 y6566 w10fe h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">405<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2302 y6566 waa h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">732<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6567 wf20 h203\"><div class=\"t m0 x1ed h1a y65de ff5 fs5 fc3 sc0 ls5 ws5\">Net forborne loans<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2303 y6567 w632 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">112<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2304 y6567 wffa h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">33<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2305 y6567 w27c h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">85<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2306 y6567 w131 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">28<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2307 y6567 wa9b h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">81<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2308 y6567 w41a h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2309 y6567 wb18 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">444<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x230a y6567 w10ac h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">784<span class=\"_ _3eb\"> </span></div></td></tr></table>1 <span class=\"_ _b\"> </span><span class=\"ff4\">Refer to the equivalent table on the page 255 of the Risk Review <span class=\"_ _7\"></span>section.</span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfChangesInAccountingPoliciesExplanatory",
    "language": "en",
    "entity": "scheme:U4LOSYZ7YG4W3S5F2G91",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-747": {
   "value": "<div class=\"t m1 h4 ff5 fs1 fc1 sc0 ls1 ws2 gs106\">Significant and <span class=\"_ _7\"></span>other accounting <span class=\"_ _7\"></span>estimates and <span class=\"_ _1b\"></span>judgements<span class=\"_ _3eb\"> </span></div><div class=\"t m1 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs107\">In determining the carrying amounts of <span class=\"_ _7\"></span>certain assets and liabilities, the Group makes <span class=\"_ _7\"></span>assumptions of the effects of uncertain </div><div class=\"t m1 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs108\">future events on those assets and <span class=\"_ _7\"></span>liabilities at the balance sheet date. The <span class=\"_ _7\"></span>Group\u2019s estimates and assumptions are based </div><div class=\"t m1 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs109\">on<span class=\"_ gs36\"> </span>historical experience and expectation of future <span class=\"_ _7\"></span>events and are reviewed periodically. Further information <span class=\"_ _7\"></span>about key </div><div class=\"t m1 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs10a\">assumptions concerning the future, and other <span class=\"_ _7\"></span>key sources of estimation uncertainty and judgement, <span class=\"_ _7\"></span>are set out in the </div><div class=\"t m1 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs10b\">relevant disclosure notes for the areas <span class=\"_ _7\"></span>set out under the relevant headings below:<span class=\"_ _3eb\"> </span></div><div class=\"t m1 h4 ff5 fs1 fc1 sc0 ls1 ws2 gs10c\">Significant accounting <span class=\"_ _7\"></span>estimates and <span class=\"_ _7\"></span>critical judgements </div><div class=\"t m1 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs10d\">Significant accounting estimates and judgements represent <span class=\"_ _7\"></span>those items that have a significant risk <span class=\"_ _7\"></span>of causing a material </div><div class=\"t m1 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs10e\">adjustment to the carrying amounts of <span class=\"_ _7\"></span>assets and liabilities within the next year. <span class=\"_ _7\"></span>Significant accounting estimates and </div><div class=\"t m1 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs10f\">judgements are:</div><div class=\"t m1 h5 ff1 fs2 fc3 sc0 ls0 ws0 gs110\"> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">Expected credit loss calculations (Note 8)</span></div><div class=\"t m1 h5 ff1 fs2 fc3 sc0 ls0 ws0 gs111\"> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">Financial instruments measured at fair value (Note 13) </span></div><div class=\"t m1 h5 ff1 fs2 fc3 sc0 ls0 ws0 gs112\"> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">Investments in subsidiary undertakings, joint ventures and associates \u2013 China Bohai associate <span class=\"_ _7\"></span>accounting and impairment </span></div><div class=\"t m1 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs113\">analysis (Note 32)<span class=\"_ _3eb\"> </span></div><div class=\"t m1 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs114\">Macroeconomic and geopolitical uncertainty is already <span class=\"_ _7\"></span>embedded in the estimate of forward-looking cash <span class=\"_ _7\"></span>flows that affect </div><div class=\"t m1 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs115\">the estimate of Expected credit loss <span class=\"_ _7\"></span>calculations and impact the recoverability of certain <span class=\"_ _7\"></span>assets, including of goodwill, </div><div class=\"t m1 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs116\">deferred tax assets and investments in <span class=\"_ _7\"></span>subsidiary undertakings.<span class=\"_ _3eb\"> </span></div><div class=\"t m1 h4 ff5 fs1 fc1 sc0 ls1 ws2 gs117\">Other areas <span class=\"_ _7\"></span>of accounting <span class=\"_ _7\"></span>estimate and <span class=\"_ _1b\"></span>judgement<span class=\"_ _3eb\"> </span></div><div class=\"t m1 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs118\">Other areas of accounting estimate and <span class=\"_ _7\"></span>judgement do not meet the definition under <span class=\"_ _7\"></span>IAS 1 of significant accounting </div><div class=\"t m1 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs119\">estimates or critical accounting judgements, but <span class=\"_ _7\"></span>the recognition of certain material assets and <span class=\"_ _7\"></span>liabilities are based on </div><div class=\"t m1 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs11a\">assumptions and/or are subject to long-term <span class=\"_ _7\"></span>uncertainties. The other areas of accounting estimate <span class=\"_ _7\"></span>and judgement are:</div><div class=\"t m1 h5 ff1 fs2 fc3 sc0 ls0 ws0 gs11b\"> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">Taxation (Note 10)</span></div><div class=\"t m1 h5 ff1 fs2 fc3 sc0 ls0 ws0 gs11c\"> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">Goodwill and intangible assets \u2013 Goodwill impairment and Capitalisation of internally generated <span class=\"_ _7\"></span>software intangibles </span></div><div class=\"t m1 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs11d\">(Note 9 and Note 17)</div><div class=\"t m1 h5 ff1 fs2 fc3 sc0 ls0 ws0 gs11e\"> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">Provisions for liabilities and charges \u2013 Other provisions (Note 24)</span></div><div class=\"t m1 h5 ff1 fs2 fc3 sc0 ls0 ws0 gs11f\"> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">Legal and regulatory matters (Note 26)</span></div><div class=\"t m1 h5 ff1 fs2 fc3 sc0 ls0 ws0 gs120\"> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">Retirement benefit obligations (Note 30)</span></div><div class=\"t m1 h5 ff1 fs2 fc3 sc0 ls0 ws0 gs121\"> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">Share-based payments (Note 31)<span class=\"_ _3eb\"> </span></span></div>Significant accounting <span class=\"_ _7\"></span>estimates and <span class=\"_ _7\"></span>judgements The Group\u2019s expected credit loss (ECL) <span class=\"_ _7\"></span>calculations are outputs of complex models with <span class=\"_ _7\"></span>a number of underlying assumptions. The significant judgements in determining expected <span class=\"_ _7\"></span>credit loss include: <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">The Group\u2019s criteria for assessing if there has been a significant increase <span class=\"_ _7\"></span>in credit risk; </span> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">Development of expected credit loss models, including the choice of inputs relating <span class=\"_ _7\"></span>to macroeconomic variables;</span> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">Determining estimates of forward looking macroeconomic forecasts;</span> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">Evaluation of management overlays and post-model adjustments;</span> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">Determination of recovery scenarios and probability weightings for Stage 3 individually assessed <span class=\"_ _7\"></span>provisions.<span class=\"_ _3eb\"> </span></span>The calculation of credit impairment provisions <span class=\"_ _7\"></span>also involves expert credit judgement to be <span class=\"_ _7\"></span>applied by the credit risk management team based upon counterparty information <span class=\"_ _7\"></span>they receive from various sources including relationship <span class=\"_ _7\"></span>managers and on external market information. Details <span class=\"_ _7\"></span>on the approach for determining expected credit <span class=\"_ _7\"></span>loss can be found in the <span class=\"_ _7\"></span>credit risk section, under IFRS 9 Methodology <span class=\"_ _7\"></span>(see page 264).<span class=\"_ _3eb\"> </span>Estimates of forecasts of key macroeconomic <span class=\"_ _7\"></span>variables underlying the expected credit loss calculation <span class=\"_ _7\"></span>can be found within the Risk review, Key assumptions and <span class=\"_ _7\"></span>judgements in determining expected credit loss.<span class=\"_ _3eb\"> </span>Other accounting <span class=\"_ _7\"></span>estimates and <span class=\"_ _7\"></span>judgements <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">Determining the Group\u2019s tax charge for the year involves estimation and judgement, <span class=\"_ _7\"></span>which includes an interpretation </span>of<span class=\"_ gs36\"> </span>local tax laws and an assessment <span class=\"_ _7\"></span>of whether the tax authorities will accept <span class=\"_ _7\"></span>the position taken. These judgements take<span class=\"_ gs36\"> </span>account of external advice where appropriate, <span class=\"_ _7\"></span>and the Group\u2019s view on settling with <span class=\"_ _7\"></span>the relevant tax authorities <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">The Group provides for current tax liabilities at the best estimate of <span class=\"_ _7\"></span>the amount that is expected to <span class=\"_ _7\"></span>be paid to the tax </span>authorities where an outflow is probable. <span class=\"_ _7\"></span>In making its estimates the Group assumes <span class=\"_ _7\"></span>that the tax authorities will examine all the amounts reported to them <span class=\"_ _7\"></span>and have full knowledge of all relevant <span class=\"_ _7\"></span>information <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">The recoverability of the Group\u2019s deferred tax assets is based on management\u2019s <span class=\"_ _7\"></span>judgement of the availability of future </span>taxable profits against which the deferred <span class=\"_ _7\"></span>tax assets will be utilised. In preparing <span class=\"_ _7\"></span>management forecasts the effect of<span class=\"_ gs36\"> </span>applicable laws and regulations relevant to <span class=\"_ _7\"></span>the utilisation of future taxable profits have <span class=\"_ _7\"></span>been considered.<span class=\"_ _3eb\"> </span>The Group evaluates the significance of <span class=\"_ _7\"></span>financial instruments and material accuracy of the <span class=\"_ _7\"></span>valuations incorporated in the financial statements as they involve a <span class=\"_ _7\"></span>high degree of judgement and estimation uncertainty <span class=\"_ _7\"></span>in determining the carrying values of financial assets and liabilities <span class=\"_ _7\"></span>at the balance sheet date.<span class=\"_ _3eb\"> </span>Significant accounting estimates<span class=\"_ _3eb\"> </span>The significant accounting estimates include: <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">Fair value of financial instruments is determined using valuation techniques and estimates <span class=\"_ _7\"></span>which, to the extent possible, </span>use market observable inputs, but in <span class=\"_ _7\"></span>some cases use non-market observable inputs. Changes <span class=\"_ _7\"></span>in the observability of<span class=\"_ gs36\"> </span>significant valuation inputs can materially affect <span class=\"_ _7\"></span>the fair values of financial instruments <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">When establishing the exit price of a financial instrument using a valuation <span class=\"_ _7\"></span>technique, the Group estimates valuation </span>adjustments in determining the fair value.<span class=\"_ _3eb\"> </span>Significant accounting judgements<span class=\"_ _3eb\"> </span>The significant accounting judgements include: <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">In determining the valuation of financial instruments, the Group makes judgements on <span class=\"_ _7\"></span>the amounts reserved to cater for </span>model and valuation risks, which cover <span class=\"_ _7\"></span>both Level 2 and Level 3 assets, <span class=\"_ _7\"></span>and the significant valuation judgements in <span class=\"_ _7\"></span>respect of Level 3 instruments  <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ls2\">Where the estimated measurement of fair value is more judgemental in respect of Level 3 assets, these are valued based<span class=\"_ _11\"></span> </span>on models that use a significant <span class=\"_ _7\"></span>degree of non-market-based unobservable inputs.<span class=\"_ _3eb\"> </span>Other accounting <span class=\"_ _7\"></span>estimates and <span class=\"_ _7\"></span>judgements<span class=\"_ _3eb\"> </span>The carrying amount of goodwill is <span class=\"_ _7\"></span>based on the application of judgements including <span class=\"_ _7\"></span>the basis of goodwill impairment calculation assumptions. Judgement is also applied <span class=\"_ _7\"></span>in determination of CGUs.<span class=\"_ _3eb\"> </span>Estimates include forecasts used for determining <span class=\"_ _7\"></span>cash flows for CGUs, the appropriate long-term <span class=\"_ _7\"></span>growth rates to use and<span class=\"_ gs36\"> </span>discount rates which factor in country <span class=\"_ _7\"></span>risk-free rates and applicable risk premiums. The <span class=\"_ _7\"></span>Group undertakes an annual assessment to evaluate whether the carrying <span class=\"_ _7\"></span>value of goodwill is impaired. The estimation <span class=\"_ _7\"></span>of future cash flows and the level<span class=\"_ gs36\"> </span>to which they are discounted is <span class=\"_ _7\"></span>inherently uncertain and requires significant judgement and <span class=\"_ _7\"></span>is subject to potential change over time.<span class=\"_ _3eb\"> </span><div class=\"t m0 hc ff6 fs8 fc2 sc0 ls8 ws0 gs77b\">Other accounting estimates and judgements<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs77c\">There are many factors that affect <span class=\"_ _7\"></span>the measurement of the retirement benefit obligations. <span class=\"_ _7\"></span>This measurement requires </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs77d\">the<span class=\"_ gs36\"> </span>use of estimates, such as discount <span class=\"_ _7\"></span>rates, inflation, pension increases, salary increases, and <span class=\"_ _7\"></span>life expectancies which are </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs77e\">inherently uncertain. The table below summarises <span class=\"_ _7\"></span>how these assumptions are set:<span class=\"_ _3eb\"> </span></div><div class=\"gs77f\"><table class=\"s wc77 h289\" id=\"_072f5440-bfc5-4cb3-a275-11c9878bb462\"><tr><td class=\"c n x1ee y6a08 wc78 h215\"><div class=\"t m0 x1ed h38 y6563 ff5 fs17 fc3 sc0 ls21 ws20\">Assumption<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1762 y6a08 wc79 h215\"><div class=\"t m0 x1ed h38 y6563 ff5 fs17 fc3 sc0 ls21 ws20\">Detail<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6a0a wc7a h28a\"><div class=\"t m0 x1ed h20 y6a09 ff6 fs2 fc3 sc0 ls2 ws0\">Discount rate<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1763 y6a0a wc7b h203\"><div class=\"t m0 x1ed h20 y6a09 ff1 fs2 fc3 sc0 ls2 ws0\">Determined by reference to market yields at the end of the reporting period on high-quality<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td class=\"t m0 x1764 h9 y6a0b ff1 fs2 fc3 sc0 ls2 ws0\">corporate bonds (or, in countries where there is no deep market in such bonds, government </td></tr><tr><td></td><td class=\"t m0 x1764 h5 y6a0c ff4 fs2 fc3 sc0 ls2 ws1\">bonds) of a currency and term <span class=\"_ _7\"></span>consistent with the currency and term of <span class=\"_ _7\"></span>the post-employment </td></tr><tr><td></td><td class=\"t m0 x1764 h5 y6a0d ff4 fs2 fc3 sc0 ls2 ws1\">benefit obligations. This is the approach <span class=\"_ _7\"></span>adopted across all our geographies. </td></tr><tr><td class=\"c n x1ee y6a0e wc7c h28a\"><div class=\"t m0 x1ed h20 y6a09 ff6 fs2 fc3 sc0 ls2 ws1\">Inflation<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1765 y6a0e wc7d h28a\"><div class=\"t m0 x1ed h20 y6a09 ff4 fs2 fc3 sc0 ls2 ws1\">Where there are inflation-linked bonds available <span class=\"_ _7\"></span>(e.g. United Kingdom and the eurozone),<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td class=\"t m0 x1764 h5 y6a0f ff4 fs2 fc3 sc0 ls2 ws1\">the<span class=\"_ gs36\"> </span>Group derives inflation based on the <span class=\"_ _7\"></span>market on those bonds, with the market <span class=\"_ _7\"></span>yield adjusted </td></tr><tr><td></td><td class=\"t m0 x1764 h5 y6a10 ff4 fs2 fc3 sc0 ls2 ws1\">in<span class=\"_ gs36\"> </span>respect of the United Kingdom to <span class=\"_ _7\"></span>take account of the fact that liabilities <span class=\"_ _7\"></span>are linked to </td></tr><tr><td></td><td class=\"t m0 x1764 h5 y6a11 ff4 fs2 fc3 sc0 ls2 ws1\">Consumer Price Index inflation, whereas the <span class=\"_ _7\"></span>reference bonds are linked to Retail Price <span class=\"_ _7\"></span>Index </td></tr><tr><td></td><td class=\"t m0 x1764 h5 y6a12 ff4 fs2 fc3 sc0 ls2 ws1\">inflation. Where no inflation-linked bonds exist, <span class=\"_ _7\"></span>we determine inflation assumptions based </td></tr><tr><td></td><td class=\"t m0 x1764 h5 y6a13 ff4 fs2 fc3 sc0 ls2 ws1\">on<span class=\"_ gs36\"> </span>a<span class=\"_ gs36\"> </span>combination of long-term forecasts and short-term <span class=\"_ _7\"></span>inflation data.<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c n x1ee y6a14 wc7e h28a\"><div class=\"t m0 x1ed h20 y6a09 ff7 fs2 fc3 sc0 ls2 ws1\">Salary growth<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1766 y6a14 wc7f h203\"><div class=\"t m0 x1ed h20 y6a09 ff1 fs2 fc3 sc0 ls2 ws0\">Salary growth assumptions reflect the Group\u2019s long-term expectations, taking into account<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td class=\"t m0 x1764 h5 y6a15 ff4 fs2 fc3 sc0 ls2 ws1\">future business plans and macroeconomic data <span class=\"_ _7\"></span>(primarily expected future long-term inflation).<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c n x1ee y6a16 wc80 h28a\"><div class=\"t m0 x1ed h20 y6a09 ff6 fs2 fc3 sc0 ls2 ws0\">Demographic assumptions<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1767 y6a16 wc81 h28a\"><div class=\"t m0 x1ed h20 y6a09 ff4 fs2 fc3 sc0 ls2 ws1\">Demographic assumptions, including mortality and turnover rates, <span class=\"_ _7\"></span>are typically set based<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td class=\"t m0 x1764 h5 y6a17 ff4 fs2 fc3 sc0 ls2 ws1\">on<span class=\"_ gs36\"> </span>the assumptions used in the most <span class=\"_ _7\"></span>recent actuarial funding valuation, and will generally </td></tr><tr><td></td><td class=\"t m0 x1764 h5 y6a18 ff4 fs2 fc3 sc0 ls2 ws1\">use<span class=\"_ gs36\"> </span>industry standard tables, adjusted where appropriate <span class=\"_ _7\"></span>to reflect recent historic experience </td></tr><tr><td></td><td class=\"t m0 x1764 h5 y6a19 ff4 fs2 fc3 sc0 ls2 ws1\">and/or future expectations.<span class=\"_ _3eb\"> </span></td></tr></table></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs780\">The sensitivity of the liabilities to <span class=\"_ _7\"></span>changes in these assumptions is shown in <span class=\"_ _7\"></span>the Note below.<span class=\"_ _3eb\"> </span></div>Other accounting <span class=\"_ _7\"></span>estimates and <span class=\"_ _7\"></span>judgements<span class=\"_ _3eb\"> </span>Share-based payments involve judgement and estimation <span class=\"_ _7\"></span>uncertainty exists when determining the expenses and <span class=\"_ _7\"></span>carrying values of share awards at the <span class=\"_ _7\"></span>balance sheet date. <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">LTIP awards are determined using an estimation of the probability of meeting <span class=\"_ _7\"></span>certain metrics over a three-year </span>performance period using the Monte Carlo <span class=\"_ _7\"></span>simulation model. <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">Deferred shares are determined using an estimation of expected dividends.</span> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">Sharesave Plan valuations are determined using a binomial option-pricing model<span class=\"_ _3eb\"> </span></span><span class=\"ff4 ls2 ws1\">.<span class=\"_ _3eb\"> </span></span><div class=\"t m1 h4 ff5 fs1 fc1 sc0 ls1 ws2 gs892\">Significant accounting <span class=\"_ _7\"></span>estimates and <span class=\"_ _7\"></span>judgements<span class=\"_ _3eb\"> </span></div><div class=\"t m1 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs893\">The Group applies judgement in determining <span class=\"_ _7\"></span>if it has control, joint control or <span class=\"_ _7\"></span>significant influence over subsidiaries, joint </div><div class=\"t m1 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs894\">ventures and associates respectively. These judgements <span class=\"_ _7\"></span>are based upon identifying the relevant activities <span class=\"_ _7\"></span>of counterparties, </div><div class=\"t m1 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs895\">being those activities that significantly affect <span class=\"_ _7\"></span>the entities\u2019 returns, and further making a <span class=\"_ _7\"></span>decision of if the Group has <span class=\"_ _7\"></span>control </div><div class=\"t m1 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs896\">over those entities, joint control, or <span class=\"_ _7\"></span>has significant influence (being the power to <span class=\"_ _7\"></span>participate in the financial and operating </div><div class=\"t m1 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs897\">policy decisions but not control them). </div><div class=\"t m1 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs898\">These judgements are at times determined <span class=\"_ _7\"></span>by equity holdings, and the voting rights <span class=\"_ _7\"></span>associated with those holdings. </div><div class=\"t m1 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs899\">However, further considerations including but not <span class=\"_ _7\"></span>limited to board seats, advisory committee members <span class=\"_ _7\"></span>and specialist </div><div class=\"t m1 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs89a\">knowledge of some decision-makers are also <span class=\"_ _7\"></span>taken into account. Further judgement is required <span class=\"_ _7\"></span>when determining if the </div><div class=\"t m1 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs89b\">Group has de-facto control over an <span class=\"_ _7\"></span>entity even though it may hold less <span class=\"_ _7\"></span>than 50% of the voting shares <span class=\"_ _7\"></span>of that entity. </div><div class=\"t m1 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs89c\">Judgement is required to determine the <span class=\"_ _7\"></span>relative size of the Group\u2019s shareholding when <span class=\"_ _7\"></span>compared to the size and dispersion </div><div class=\"t m1 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs89d\">of other shareholders.<span class=\"_ _3eb\"> </span></div><div class=\"t m1 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs89e\">Impairment testing of investments in associates <span class=\"_ _7\"></span>and joint ventures, and on a Company <span class=\"_ _7\"></span>level investments in subsidiaries is </div><div class=\"t m1 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs89f\">performed if there is a possible <span class=\"_ _7\"></span>indicator of impairment. Judgement is used to <span class=\"_ _7\"></span>determine if there is objective evidence <span class=\"_ _7\"></span>of </div><div class=\"t m1 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs8a0\">impairment. Objective evidence may be observable <span class=\"_ _7\"></span>data such as losses incurred on the <span class=\"_ _7\"></span>investment when applying the equity </div><div class=\"t m1 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs8a1\">method, the granting of concessions as <span class=\"_ _7\"></span>a result of financial difficulty, or breaches <span class=\"_ _7\"></span>of contracts/regulatory fines of the </div><div class=\"t m1 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs8a2\">associate or joint venture. Further judgement <span class=\"_ _7\"></span>is required when considering broader indicators of <span class=\"_ _7\"></span>impairment such as losses of </div><div class=\"t m1 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs8a3\">active markets or ratings downgrades across <span class=\"_ _7\"></span>key markets in which the associate or <span class=\"_ _7\"></span>joint venture operate in. </div><div class=\"t m1 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs8a4\">Impairment testing is based on estimates <span class=\"_ _7\"></span>including forecasting the expected cash flows from <span class=\"_ _7\"></span>the investments, growth rates, </div><div class=\"t m1 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs8a5\">terminal values and the discount rate <span class=\"_ _7\"></span>used in calculation of the present values <span class=\"_ _7\"></span>of those cash flows. The estimation <span class=\"_ _7\"></span>of future </div><div class=\"t m1 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs8a6\">cash flows and the level to <span class=\"_ _7\"></span>which they are discounted is inherently uncertain <span class=\"_ _7\"></span>and requires significant judgement.<span class=\"_ _3eb\"> </span></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfAccountingJudgementsAndEstimatesExplanatory",
    "language": "en",
    "entity": "scheme:U4LOSYZ7YG4W3S5F2G91",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-623": {
   "value": "Climate change <span class=\"_ _7\"></span>impact on <span class=\"_ _7\"></span>the Group\u2019s <span class=\"_ _1b\"></span>balance sheet Climate, and the impact of climate on the Group\u2019s balance sheet is considered as an area which can impact accounting estimates and judgments through the uncertainty of future events and the impact of that uncertainty on the Group\u2019s assets and liabilities, performance, or cash flows. The Group has assessed the impact <span class=\"_ _7\"></span>of climate risk on the financial report. <span class=\"_ _7\"></span>This is set out within the <span class=\"_ _7\"></span>non-financial and<span class=\"_ gs36\"> </span>sustainability information statement on page 50 <span class=\"_ _7\"></span>and the Sustainability Review, which incorporate the <span class=\"_ _7\"></span>Group\u2019s climate-related disclosures which align with the <span class=\"_ _7\"></span>recommendations from the Task Force for Climate <span class=\"_ _7\"></span>related Financial Disclosures (TCFD) and Hong Kong Listing <span class=\"_ _7\"></span>Requirements. Further risk disclosures have been provided <span class=\"_ _7\"></span>in the Principal Risks and Uncertainties section of the Annual <span class=\"_ _7\"></span>Report where the Group has described how <span class=\"_ _7\"></span>it manages climate risk, which manifests through the Group\u2019s business and operations <span class=\"_ _7\"></span>and impact the relevant Principal Risk Types <span class=\"_ _7\"></span>(PRTs). This is managed via the ESGR Risk Type framework.<span class=\"_ _3eb\"> </span>The areas of impact where judgements and the use of estimates have been applied were credit risk and the impact on lending portfolios; ESG features within issued <span class=\"_ _7\"></span>loans and bonds; physical risk on our <span class=\"_ _7\"></span>mortgage lending portfolio; and the corporate plan, in respect of which <span class=\"_ _7\"></span>forward looking cash flows impact the recoverability <span class=\"_ _7\"></span>of certain assets, including of goodwill, deferred tax assets and investments <span class=\"_ _7\"></span>in subsidiary undertakings. However, these did not <span class=\"_ _7\"></span>result in any material change to this year\u2019s balance sheet <span class=\"_ _7\"></span>or income statement.<span class=\"_ _3eb\"> </span>Transition risk, as our clients move <span class=\"_ _7\"></span>to lower carbon emitting revenues, (either by <span class=\"_ _7\"></span>virtue of legislation, technological advancement, or changing end customer preference) <span class=\"_ _7\"></span>is considered with reference to client transition <span class=\"_ _7\"></span>pathways and manifests over a longer term than <span class=\"_ _7\"></span>the maturity of the loan book (up <span class=\"_ _7\"></span>to 2050). The setting of net <span class=\"_ _7\"></span>zero targets, which covers our 12 highest emitting sectors, manages <span class=\"_ _7\"></span>transition risk. Net zero targets, climate risk <span class=\"_ _7\"></span>questionnaires which are used to assess clients for transition risks and the <span class=\"_ _7\"></span>credibility of their transition plan (CTP) enable <span class=\"_ _7\"></span>the portfolio managers to work with <span class=\"_ _7\"></span>our clients on their transition and deploy <span class=\"_ _7\"></span>capital to those clients which are engaged <span class=\"_ _7\"></span>and have adequate transition pathways. All<span class=\"_ gs36\"> </span>of these actions manage the Group\u2019s <span class=\"_ _7\"></span>transition risk and engage clients before transition <span class=\"_ _7\"></span>risk manifests itself into credit losses. We have also evaluated transition <span class=\"_ _7\"></span>risk to achieve net zero in our <span class=\"_ _7\"></span>own operations. We use scenario analysis <span class=\"_ _7\"></span>to evaluate how various Transition Risk scenarios impact <span class=\"_ _7\"></span>Loan Impairment intensities. These scenarios consider climate <span class=\"_ _7\"></span>transition costs including the impact of rising carbon <span class=\"_ _7\"></span>prices, technology investment costs and changes in <span class=\"_ _7\"></span>carbon intensities.<span class=\"_ _3eb\"> </span>While physical risk is included within <span class=\"_ _7\"></span>the majority of our mortgage lending decisions, <span class=\"_ _7\"></span>we have also applied scenario analysis against the pathways of different temperature outcomes to examine exposure concentration risk in key markets subject to<span class=\"_ gs36\"> </span>the extreme risk of floods and <span class=\"_ _7\"></span>storms to assess the acute physical risk, <span class=\"_ _7\"></span>and sea level rise to assess <span class=\"_ _7\"></span>the chronic physical risk. Stranded assets analysis was conducted for <span class=\"_ _7\"></span>residential mortgages to identify properties that are <span class=\"_ _7\"></span>expected to become uninhabitable and/or unusable due to increased <span class=\"_ _7\"></span>frequency and intensity of physical risk events <span class=\"_ _7\"></span>from acute and chronic risks. We evaluate the physical risk vulnerabilities <span class=\"_ _7\"></span>of our existing sites, both existing and <span class=\"_ _7\"></span>new on a periodic basis. Across <span class=\"_ _7\"></span>2025 we focused on sites hosting important business services, especially those vulnerable to extreme Physical Risks, to strengthen resilience, and have initiated an evaluation <span class=\"_ _7\"></span>of Physical Risk vulnerabilities at our primary <span class=\"_ _7\"></span>supplier\u2019s delivery sites to proactively address potential business disruptions. Additionally, we <span class=\"_ _7\"></span>assess the impact of climate risk on <span class=\"_ _7\"></span>the classification of \ufb01nancial instruments under IFRS 9, when Environmental, <span class=\"_ _7\"></span>Social or Governance (ESG) triggers may affect <span class=\"_ _7\"></span>the cash \ufb02ows received by<span class=\"_ gs36\"> </span>the<span class=\"_ gs36\"> </span>Group under the contractual terms of <span class=\"_ _7\"></span>the instrument.<span class=\"_ _3eb\"> </span>The ESGR Risk team has performed <span class=\"_ _7\"></span>a quantitative assessment of the impact of <span class=\"_ _7\"></span>climate risk on the IFRS 9 <span class=\"_ _7\"></span>ECL provision. This<span class=\"_ gs36\"> </span>assessment was performed across both the <span class=\"_ _7\"></span>CIB and WRB portfolios. The climate risk <span class=\"_ _7\"></span>impact assessment on IFRS 9 business as usual ECL has been <span class=\"_ _7\"></span>conducted based on internal climate risk models <span class=\"_ _7\"></span>for six Corporate priority sectors (Oil<span class=\"_ gs36\"> </span>and<span class=\"_ gs36\"> </span>Gas, Power, Steel, Mining, Shipping, and <span class=\"_ _7\"></span>Automotive), one Generic Carbon Elasticity Model (CEM) <span class=\"_ _7\"></span>for the remaining Corporate sectors, an enhanced Sovereign Climate <span class=\"_ _7\"></span>Probability of Default (PD) model, newly developed <span class=\"_ _7\"></span>Project Finance (PF)<span class=\"_ gs36\"> </span>and Shipping Finance (SF) PD models, <span class=\"_ _7\"></span>and Retail Mortgages Loss Given Default (LGD) <span class=\"_ _7\"></span>models (for top four countries). The<span class=\"_ gs36\"> </span>top-down approach is used for the <span class=\"_ _7\"></span>remaining portfolios without internal climate risk models. <span class=\"_ _7\"></span>The impact assessment resulted in only an immaterial ECL <span class=\"_ _7\"></span>increase across CIB and WRB, which has <span class=\"_ _7\"></span>been recorded as a management overlay <span class=\"_ _7\"></span>for the<span class=\"_ gs36\"> </span>2025 year end. The Group\u2019s corporate plan has a <span class=\"_ _7\"></span>five-year outlook and considers the highest emitting <span class=\"_ _7\"></span>sectors the Group finances. The<span class=\"_ gs36\"> </span>majority of the Group sector targets <span class=\"_ _7\"></span>are production/physical intensities which allow continued levels <span class=\"_ _7\"></span>of lending as long<span class=\"_ gs36\"> </span>as the products the client produce <span class=\"_ _7\"></span>have a decreasing carbon cost. For coal <span class=\"_ _7\"></span>mining and oil and gas, these <span class=\"_ _7\"></span>sectors have absolute targets which represent a decreasing <span class=\"_ _7\"></span>carbon budget. Coal mining is an immaterial <span class=\"_ _7\"></span>book, while for oil and gas lending is being actively monitored <span class=\"_ _7\"></span>on a portfolio basis <span class=\"_ _7\"></span>towards lower carbon counterparties and <span class=\"_ _7\"></span>technologies. The corporate plan is shorter term than many of the climate scenario outlooks but seeks to capture the nearer term performance as required by recoverability models. The Group <span class=\"_ _7\"></span>has for the fourth time in the <span class=\"_ _7\"></span>2026 corporate plan included anticipated credit impairment charges, now across eleven NZ <span class=\"_ _7\"></span>sectors (Aviation, Auto, Power, Oil and Gas, <span class=\"_ _7\"></span>Commercial Real Estate, Cement, Agriculture, Shipping, Aluminium, Steel and Coal). <span class=\"_ _7\"></span>This addition of credit impairment has not <span class=\"_ _7\"></span>in itself, materially impacted the recoverability of assets supported by discounted <span class=\"_ _7\"></span>cash flow models (such as Value in <span class=\"_ _7\"></span>Use) which utilise the corporate plan.<span class=\"_ _3eb\"> </span>The Group has progressively strengthened its <span class=\"_ _7\"></span>scenario analysis capabilities with the modelling of <span class=\"_ _7\"></span>Climate Risk impact over<span class=\"_ gs36\"> </span>a<span class=\"_ gs36\"> </span>30-year period across multiple dimensions including <span class=\"_ _7\"></span>scenario data and pathways across CIB and <span class=\"_ _7\"></span>WRB portfolios. While<span class=\"_ gs36\"> </span>we<span class=\"_ gs36\"> </span>have taken the first step in <span class=\"_ _7\"></span>our journey to transition from our reliance <span class=\"_ _7\"></span>on vendor models to in-house capabilities, challenges underpin the scenario analysis, such as reliance on nascent methodologies, dependencies on first generation models and data limitations. Notwithstanding these <span class=\"_ _7\"></span>challenges, our work to date, using certain <span class=\"_ _7\"></span>assumptions and proxies, indicates that our business is resilient <span class=\"_ _7\"></span>to all Network of Central Banks and <span class=\"_ _7\"></span>Supervisors for Greening the Financial System (NGFS) scenarios that were explored.<span class=\"_ _3eb\"> </span>The Group, although acknowledging the limitations <span class=\"_ _7\"></span>of current data available, increasing sophistication of <span class=\"_ _7\"></span>models evolving and nascent nature of climate impacts <span class=\"_ _7\"></span>on internal and client assets, considers Climate <span class=\"_ _7\"></span>Risk to have limited quantitative impact in the immediate term, and <span class=\"_ _7\"></span>as a longer-term risk is expected to <span class=\"_ _7\"></span>be addressed through its business strategy <span class=\"_ _7\"></span>and financial planning as the Group implements <span class=\"_ _7\"></span>its net zero journey. Accordingly, the Group <span class=\"_ _7\"></span>does not currently anticipate any significant residual impact on its financial <span class=\"_ _7\"></span>position, performance or cashflows over the short, <span class=\"_ _7\"></span>medium or long term.<span class=\"_ _3eb\"> </span>While providing more detail would be <span class=\"_ _7\"></span>market sensitive, the Group current and anticipated <span class=\"_ _7\"></span>future performance of opportunities can be seen in the <span class=\"_ _7\"></span>progression of our Sustainable Finance mobilisation, assets <span class=\"_ _7\"></span>and liabilities, and revenue, as<span class=\"_ gs36\"> </span>described within the Sustainability Review.<span class=\"_ _3eb\"> </span>",
   "dimensions": {
    "concept": "standardcharteredplc:DescriptionOfAccountingPolicyForClimateImpactOnTheGroupsBalanceSheet",
    "language": "en",
    "entity": "scheme:U4LOSYZ7YG4W3S5F2G91",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-624": {
   "value": "<div class=\"t m0 h4 ff5 fs1 fc1 sc0 ls1 ws2 gs188\">Going concern<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs189\">These financial statements were approved by <span class=\"_ _7\"></span>the Board of directors on 24 February <span class=\"_ _7\"></span>2026. The directors have made </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs18a\">an<span class=\"_ gs36\"> </span>assessment of the Group\u2019s ability to <span class=\"_ _7\"></span>continue as a going concern. This assessment <span class=\"_ _7\"></span>has been made having considered </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs18b\">the<span class=\"_ gs36\"> </span>current macroeconomic and geopolitical headwinds, including:</div><div class=\"t m0 h5 ff1 fs2 fc3 sc0 ls0 ws0 gs18c\"> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">Review of the Group Strategy and Corporate Plan, including the annual budget.</span></div><div class=\"t m0 h5 ff1 fs2 fc3 sc0 ls0 ws0 gs18d\"> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">An assessment of the actual performance to date, loan book quality, credit <span class=\"_ _7\"></span>impairment, legal and regulatory matters, </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs18e\">compliance matters, recent regulatory developments.</div><div class=\"t m0 h5 ff1 fs2 fc3 sc0 ls0 ws0 gs18f\"> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">Consideration of stress testing performed, including the Group Recovery Plan (RP) which <span class=\"_ _7\"></span>include the application </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs190\">of<span class=\"_ gs36\"> </span>stressed scenarios. Under the tests and <span class=\"_ _7\"></span>through the range of scenarios, the results <span class=\"_ _7\"></span>of these exercises and the RP </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs191\">demonstrate that the Group has sufficient <span class=\"_ _7\"></span>capital and liquidity to continue as a <span class=\"_ _7\"></span>going concern and meet minimum </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs192\">regulatory capital and liquidity requirements.</div><div class=\"t m0 h5 ff1 fs2 fc3 sc0 ls0 ws0 gs193\"> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">Analysis of the capital position of the Group, including the capital and <span class=\"_ _7\"></span>leverage ratios, and Internal Capital Adequacy </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs194\">Assessment Process (ICAAP), which summarises the <span class=\"_ _7\"></span>Group\u2019s capital and risk assessment processes, assesses <span class=\"_ _7\"></span>its capital </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs195\">requirements and the adequacy of resources <span class=\"_ _7\"></span>to meet them.</div><div class=\"t m0 h5 ff1 fs2 fc3 sc0 ls0 ws0 gs196\"> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">Analysis of the funding and liquidity position of the Group, including the <span class=\"_ _7\"></span>Internal Liquidity Adequacy Assessment Process </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs197\">(ILAAP), which considers the Group\u2019s liquidity <span class=\"_ _7\"></span>position, its framework and whether sufficient liquidity <span class=\"_ _7\"></span>resources are being </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs198\">maintained to meet liabilities as they <span class=\"_ _7\"></span>fall due, was also reviewed. Further, funding <span class=\"_ _7\"></span>and liquidity was considered in the </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs199\">context of the risk appetite metrics, <span class=\"_ _7\"></span>including the LCR ratio.</div><div class=\"t m0 h5 ff1 fs2 fc3 sc0 ls0 ws0 gs19a\"> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">The level of debt in issue, including redemptions and issuances during the <span class=\"_ _7\"></span>year, debt falling due for repayment <span class=\"_ _7\"></span>in the next </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs19b\">12 months and further planned debt <span class=\"_ _7\"></span>issuances, including the appetite in the market <span class=\"_ _7\"></span>for the Group\u2019s debt</div><div class=\"t m0 h5 ff1 fs2 fc3 sc0 ls0 ws0 gs19c\"> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">The Group\u2019s portfolio of debt securities held at amortised cost.</span></div><div class=\"t m0 h5 ff1 fs2 fc3 sc0 ls0 ws0 gs19d\"> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">A detailed review of all principal risks as well as topical and <span class=\"_ _7\"></span>emerging risks.<span class=\"_ _3eb\"> </span></span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs19e\">Based on the analysis performed, the <span class=\"_ _7\"></span>directors confirm they are satisfied that the <span class=\"_ _7\"></span>Group has adequate resources to continue </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs19f\">in business for a period of <span class=\"_ _7\"></span>at least 12 months from 24 February <span class=\"_ _7\"></span>2026. </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs1a0\">For this reason, the Group continues <span class=\"_ _7\"></span>to adopt the going concern basis of <span class=\"_ _7\"></span>accounting for preparing the financial statements.<span class=\"_ _3eb\"> </span></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfGoingConcernExplanatory",
    "language": "en",
    "entity": "scheme:U4LOSYZ7YG4W3S5F2G91",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-659": {
   "value": "2. Segmental information<span class=\"_ _3eb\"> </span>Basis of preparation<span class=\"_ _3eb\"> </span>Underlying segment and market performance is <span class=\"_ _7\"></span>based on arms-length transfer pricing and reflects <span class=\"_ _7\"></span>the underlying profitability including related capital and infrastructure costs. <span class=\"_ _7\"></span>Income attribution to segment and markets is <span class=\"_ _7\"></span>based on their contribution to<span class=\"_ gs36\"> </span>the revenue generated across the network, <span class=\"_ _7\"></span>considering factors such as booking location, trader <span class=\"_ _7\"></span>and sales effort. Treasury outcomes such as MREL, FTP, Structural <span class=\"_ _7\"></span>Hedges and Liquidity Pool which segments can <span class=\"_ _7\"></span>directly benefit, influence, and optimise are allocated to individual business segments. <span class=\"_ _7\"></span>The analysis reflects how the client segments <span class=\"_ _7\"></span>and markets are managed internally to drive better decision-making, resource <span class=\"_ _7\"></span>allocation and return outcomes.<span class=\"_ _3eb\"> </span>Disclosures have been re-presented as explained <span class=\"_ _7\"></span>in Note 1 \u2018Re-presentation of segmental information\u2019. <span class=\"_ _7\"></span>The effect of the change has impacted the classification of cost <span class=\"_ _7\"></span>and income across client segments.<span class=\"_ _3eb\"> </span>Client segments<span class=\"_ _3eb\"> </span>The Group\u2019s segmental reporting is in <span class=\"_ _7\"></span>accordance with IFRS 8 Operating Segments and <span class=\"_ _7\"></span>is reported consistently with the internal performance framework and as presented to <span class=\"_ _7\"></span>the Group\u2019s Management Team. Restructuring and other items excluded from underlying results<span class=\"_ _3eb\"> </span>The Group\u2019s reported IFRS performance is <span class=\"_ _7\"></span>adjusted for certain items to arrive at <span class=\"_ _7\"></span>alternative performance measures. These<span class=\"_ gs36\"> </span>items<span class=\"_ gs36\"> </span>include profits or losses of a <span class=\"_ _7\"></span>capital nature, amounts consequent to investment transactions <span class=\"_ _7\"></span>driven by strategic intent, other infrequent and/or exceptional transactions <span class=\"_ _7\"></span>that are significant or material in the <span class=\"_ _7\"></span>context of the Group\u2019s normal business earnings for the period and <span class=\"_ _7\"></span>items which management and investors would ordinarily <span class=\"_ _7\"></span>identify separately when assessing consistent performance period by period. <span class=\"_ _7\"></span>The alternative performance measures are not within <span class=\"_ _7\"></span>the scope of IFRS and<span class=\"_ gs36\"> </span>not a substitute for IFRS measures. <span class=\"_ _7\"></span>These adjustments are set out below.<span class=\"_ _3eb\"> </span>Restructuring and other items loss of <span class=\"_ _7\"></span>$937 million primarily relate to the exits <span class=\"_ _7\"></span>in AME, Debit Valuation Adjustment (DVA), <span class=\"_ _7\"></span>and reflect<span class=\"_ gs36\"> </span>the impact of actions to transform <span class=\"_ _7\"></span>the organisation to improve productivity, primarily additional <span class=\"_ _7\"></span>redundancy charges, simplifying technology platforms and optimising the <span class=\"_ _7\"></span>Group\u2019s office space and property footprint, Fit <span class=\"_ _7\"></span>For Growth costs that are primarily severance costs, costs of staff <span class=\"_ _7\"></span>working on FFG initiatives, legal and professional <span class=\"_ _7\"></span>fees and an additional provision with respect to a proposed penalty amount <span class=\"_ _7\"></span>with regards to the Korea equity-linked securities <span class=\"_ _7\"></span>(ELS) matter and the settlement of<span class=\"_ gs36\"> </span>a<span class=\"_ gs36\"> </span>litigation matter.<span class=\"_ _3eb\"> </span>Reconciliations between underlying and reported results <span class=\"_ _7\"></span>are set out in the tables below:<span class=\"_ _3eb\"> </span><table class=\"s w24e h21a\" id=\"_ed66b869-90be-4b5d-affb-5da56234a39e\"><tr><td></td><td></td><td></td><td></td><td class=\"t m0 x4ad h14f y65f8 ff5 fs64 fc0 sc0 ls50 ws5b\">2025<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td class=\"t m0 x4ae h38 y65f9 ff5 fs17 fc0 sc0 ls21 ws20\">Net loss on </td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td class=\"t m0 x4af h38 y65fa ff2 fs17 fc0 sc0 ls21 ws20\">businesses </td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td class=\"t m0 x4b0 h38 y65fb ff5 fs17 fc0 sc0 ls21 ws20\">disposed of/<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x4b1 h38 y65fb ff5 fs17 fc0 sc0 ls21 ws20\">Other<span class=\"_ _3eb\"> </span></td><td></td></tr><tr><td></td><td class=\"t m0 x4b2 h38 y65fc ff5 fs17 fc0 sc0 ls21 ws20\">Underlying<span class=\"_ _3eb\"> </span></td><td class=\"c x4b4 y65fe w24f h21b\"><div class=\"t m0 x1ed h38 y6563 ff2 fs17 fc0 sc0 ls21 ws20\">Restructuring</div><div class=\"t m0 x4b3 ha7 y65fd ff5 fs19 fc0 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c x3ac y65fe w250 h21b\"><div class=\"t m0 x1ed h38 y6563 ff5 fs17 fc0 sc0 ls21 ws20\">FFG</div><div class=\"t m0 x4b5 ha7 y65fd ff5 fs19 fc0 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x4b6 h38 y65fc ff5 fs17 fc0 sc0 ls21 ws20\">DVA<span class=\"_ _3eb\"> </span></td><td class=\"c x4b8 y65fe w251 h21b\"><div class=\"t m0 x1ed h38 y6563 ff5 fs17 fc0 sc0 ls21 ws20\">held for sale</div><div class=\"t m0 x4b7 ha7 y65fd ff5 fs19 fc0 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td><td class=\"c x4ba y65fe w252 h21b\"><div class=\"t m0 x1ed h38 y6563 ff5 fs17 fc0 sc0 ls21 ws20\">items</div><div class=\"t m0 x4b9 ha7 y65fd ff5 fs19 fc0 sc0 ls40 ws44\">3,4,5</div></td><td class=\"t m0 x4bb h38 y65fc ff5 fs17 fc0 sc0 ls21 ws20\">Reported<span class=\"_ _3eb\"> </span></td></tr><tr><td></td><td class=\"t m0 x4bc h38 y65ff ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x4bd h38 y65ff ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x4be h38 y65ff ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x4bf h38 y65ff ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x4c0 h38 y65ff ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x4c1 h38 y65ff ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x4c2 h38 y65ff ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c x1ee y6602 w253 h21c\"><div class=\"t m0 x1ed h3b y6600 ff1 fs5 fc3 sc0 ls5 ws0\">Operating income</div><div class=\"t m0 x4c3 h3c y6601 ff1 fs1b fc3 sc0 ls0 ws0\">4<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x4c4 y6603 w254 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">20,894<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x4c5 y6603 w255 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(24)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x4c6 y6603 w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x4c7 y6603 w256 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(31)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x4c8 y6603 w257 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(10)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x4c9 y6603 w258 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">113<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x4ca y6603 w48 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">20,942<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y6604 w259 h21c\"><div class=\"t m0 x1ed h3b y6600 ff1 fs5 fc3 sc0 ls5 ws0\">Operating expenses</div><div class=\"t m0 x4cb h3c y6601 ff1 fs1b fc3 sc0 ls0 ws0\">5<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x4cc y6605 w25a h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(12,347)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x4cd y6605 w25b h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(289)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x4ce y6605 w25c h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(510)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x4cf y6605 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x4d0 y6605 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x4d1 y6605 w25d h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(158)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x4d2 y6605 w58 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(13,304)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x235 h1a y6606 ff4 fs5 fc3 sc0 ls5 ws5\">Operating profit/(loss) before impairment losses </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y6607 w25e h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">and<span class=\"_ gs1a1\"> </span>taxation<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x4d3 y6607 w25f h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">8,547<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x4d4 y6607 w260 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(313)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x4d5 y6607 w25c h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(510)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x4d6 y6607 w256 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(31)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x4d7 y6607 w257 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(10)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x4d8 y6607 w261 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(45)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x4d9 y6607 w5b h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">7,638<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6608 w5d h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">Credit impairment<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x4da y6608 w262 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(676)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x4db y6608 w263 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">4<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x4dc y6608 w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x4dd y6608 w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x4de y6608 w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x4df y6608 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x4e0 y6608 w5f h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(672)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6609 w264 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">Other impairment<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x4e1 y6609 w255 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(42)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x4e2 y6609 w265 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(2)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x4e3 y6609 w266 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(21)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x4e4 y6609 w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x4e5 y6609 w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x4e6 y6609 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x4e7 y6609 w62 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(65)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y660a w267 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">Profit from associates and<span class=\"_ gs1a1\"> </span>joint<span class=\"_ gs1a1\"> </span>ventures<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x4e8 y660a w268 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">71<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x4e9 y660a w269 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(9)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x4ea y660a w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x4eb y660a w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x4ec y660a w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x4ed y660a w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x4ee y660a w66 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">62<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y660b w26a h203\"><div class=\"t m0 x1ed h3d y655f ff5 fs5 fc3 sc0 ls5 ws5\">Profit/(loss) before taxation<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x4ef y660b w26b h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">7,900<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x4f0 y660b w1e2 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(320)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x4f1 y660b w26c h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(531)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x4f2 y660b w95 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(31)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x4f3 y660b w257 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(10)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x4f4 y660b w261 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(45)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x4f5 y660b w69 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">6,963<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"t m0 x4ad h151 y660c ff1 fs64 fc3 sc0 ls50 ws5b\">2024<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y65f3 w26d h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Operating income<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x4f6 y65f3 w26e h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">19,696<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x4f7 y65f3 w26f h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">103<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x4f8 y65f3 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x4f9 y65f3 w270 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(24)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x4fa y65f3 wde h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(232)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x4fb y65f3 w1cf h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x4fc y65f3 w271 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">19,543<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y65f4 w272 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Operating expenses<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x4fd y65f4 w273 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(11,790)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x4fe y65f4 w1e3 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(456)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x4ff y65f4 w212 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(156)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x500 y65f4 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x501 y65f4 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c x503 y65f4 w274 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(100)</div><div class=\"t m0 x502 h3c y660d ff1 fs1b fc3 sc0 ls0 ws0\">3</div></td><td class=\"t m0 x504 h1a y660e ff4 fs5 fc3 sc0 ls5 ws5\">(12,502)<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"t m0 x235 h1a y660f ff4 fs5 fc3 sc0 ls5 ws5\">Operating profit/(loss) before impairment losses </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y6562 w25e h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">and<span class=\"_ gs1a1\"> </span>taxation<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x505 y6562 w275 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">7,906<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x506 y6562 w276 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(353)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x507 y6562 w212 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(156)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x508 y6562 w277 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(24)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x509 y6562 w278 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(232)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x50a y6562 w279 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(100)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x50b y6562 w5c h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">7,041<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6610 w5d h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Credit impairment<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x50c y6610 w27a h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(557)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x50d y6610 w1d1 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">10<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x50e y6610 w1cf h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x50f y6610 w1cf h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x510 y6610 w1cf h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x511 y6610 w1cf h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x512 y6610 w60 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(547)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6577 w264 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Other impairment<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x513 y6577 w63 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(588)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x514 y6577 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x515 y6577 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x516 y6577 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x517 y6577 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x518 y6577 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x519 y6577 w63 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(588)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6566 w267 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Profit from associates and<span class=\"_ gs1a1\"> </span>joint<span class=\"_ gs1a1\"> </span>ventures<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x51a y6566 w27b h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">50<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x51b y6566 w27c h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">58<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x51c y6566 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x51d y6566 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x51e y6566 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x51f y6566 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x520 y6566 w67 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">108<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6567 w26a h203\"><div class=\"t m0 x1ed h1a y65de ff5 fs5 fc3 sc0 ls5 ws5\">Profit/(loss) before taxation<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x521 y6567 w27d h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">6,811<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x4fe y6567 w27e h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(285)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x522 y6567 w211 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(156)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x523 y6567 w270 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(24)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x524 y6567 wde h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(232)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x525 y6567 w27f h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(100)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x526 y6567 w1bb h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">6,014<span class=\"_ _3eb\"> </span></div></td></tr></table>1 <span class=\"_ _b\"> </span><span class=\"ff4\">FFG (Fit for Growth) charge previously reported within Restructuring has been re-presented as <span class=\"_ _7\"></span>a separate item.<span class=\"_ _3eb\"> </span></span>2 <span class=\"_ _f\"> </span><span class=\"ff4\">Net loss on businesses disposed of/held for sale 2025 include Cameroon and <span class=\"_ _7\"></span>Gambia loss on business disposal $5 million each, <span class=\"_ _7\"></span>2024 include $172 million primarily </span>relating to recycling of FX translation losses from <span class=\"_ _7\"></span>reserves into P&amp;L on the sale of Zimbabwe, <span class=\"_ _7\"></span>$26 million loss on sale of Angola, $19 <span class=\"_ _7\"></span>million loss on Sierra Leone and<span class=\"_ gs1a2\"> </span>$15 million loss on the Aviation business disposal.<span class=\"_ _3eb\"> </span>3 <span class=\"_ _f\"> </span><span class=\"ff4\">Other items 2024 include $100 million charge relating to Korea equity-linked securities (ELS) <span class=\"_ _7\"></span>portfolio.<span class=\"_ _3eb\"> </span></span>4 <span class=\"_ _e\"> </span><span class=\"ff4\">Other items 2025 operating income include gain on sale of office space.<span class=\"_ _3eb\"> </span></span>5 <span class=\"_ _f\"> </span><span class=\"ff4\">Other items 2025 operating expenses include a provision relating to <span class=\"_ _7\"></span>the Korea equity-linked securities and the settlement of <span class=\"_ _7\"></span>a litigation matter<span class=\"_ _3eb\"> </span></span>Underlying performance by client segment<span class=\"_ _3eb\"> </span><table class=\"s w280 h21d\" id=\"_7ce97567-1517-418f-a1ad-e682f2726b40\"><tr><td></td><td></td><td></td><td class=\"c n x527 y6612 w281 h21e\"><div class=\"t m0 x1ed h14f y6611 ff5 fs64 fc0 sc0 ls50 ws5b\">2025<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td></td><td></td><td class=\"c x529 y6612 w282 h209\"><div class=\"t m0 x1ed h14f y6611 ff1 fs64 fc3 sc0 ls50 ws5b\">2024</div><div class=\"t m0 x528 h152 y6613 ff1 fs65 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td></td><td></td></tr><tr><td></td><td class=\"t m0 x52a h14f y6614 ff5 fs64 fc0 sc0 ls50 ws5b\">Corporate &amp; </td><td class=\"t m0 x52b h14f y6614 ff5 fs64 fc0 sc0 ls50 ws5b\">Wealth &amp; </td><td></td><td></td><td></td><td class=\"t m0 x52c h151 y6614 ff1 fs64 fc3 sc0 ls50 ws0\">Corporate &amp; </td><td class=\"t m0 x52d h151 y6614 ff1 fs64 fc3 sc0 ls50 ws0\">Wealth &amp; </td><td></td><td></td><td></td></tr><tr><td></td><td class=\"t m0 x52e h14f y6615 ff5 fs64 fc0 sc0 ls50 ws5b\">Investment </td><td class=\"t m0 x52f h14f y6615 ff5 fs64 fc0 sc0 ls50 ws5b\">Retail </td><td></td><td class=\"t m0 x530 h14f y6615 ff5 fs64 fc0 sc0 ls50 ws5b\">Central &amp; </td><td></td><td class=\"t m0 x531 h151 y6615 ff1 fs64 fc3 sc0 ls50 ws5b\">Investment </td><td class=\"t m0 x532 h151 y6615 ff1 fs64 fc3 sc0 ls50 ws5b\">Retail </td><td></td><td class=\"t m0 x533 h151 y6615 ff1 fs64 fc3 sc0 ls50 ws0\">Central &amp; </td><td></td></tr><tr><td></td><td class=\"t m0 x534 h14f y6616 ff2 fs64 fc0 sc0 ls50 ws5b\">Banking </td><td class=\"t m0 x535 h14f y6616 ff2 fs64 fc0 sc0 ls50 ws5b\">Banking </td><td class=\"t m0 x536 h14f y6616 ff2 fs64 fc0 sc0 ls50 ws5b\">Ventures<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x537 h14f y6616 ff5 fs64 fc0 sc0 ls50 ws5b\">other items </td><td class=\"t m0 x538 h14f y6616 ff5 fs64 fc0 sc0 ls50 ws5b\">Total<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x539 h151 y6616 ff1 fs64 fc3 sc0 ls50 ws5b\">Banking </td><td class=\"t m0 x53a h151 y6616 ff1 fs64 fc3 sc0 ls50 ws5b\">Banking<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x53b h151 y6616 ff1 fs64 fc3 sc0 ls50 ws5b\">Ventures<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x53c h151 y6616 ff1 fs64 fc3 sc0 ls50 ws0\">other items<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x53d h151 y6616 ff1 fs64 fc3 sc0 ls50 ws5b\">Total<span class=\"_ _3eb\"> </span></td></tr><tr><td></td><td class=\"t m0 x53e h14f y6617 ff5 fs64 fc0 sc0 ls50 ws5b\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x53f h14f y6617 ff5 fs64 fc0 sc0 ls50 ws5b\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x540 h14f y6617 ff5 fs64 fc0 sc0 ls50 ws5b\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x541 h14f y6617 ff5 fs64 fc0 sc0 ls50 ws5b\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x542 h14f y6617 ff5 fs64 fc0 sc0 ls50 ws5b\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x543 h153 y6617 ff4 fs64 fc3 sc0 ls50 ws5b\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x544 h153 y6617 ff4 fs64 fc3 sc0 ls50 ws5b\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x545 h153 y6617 ff4 fs64 fc3 sc0 ls50 ws5b\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x546 h153 y6617 ff4 fs64 fc3 sc0 ls50 ws5b\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x547 h153 y6617 ff4 fs64 fc3 sc0 ls50 ws5b\">$million<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c n x1ee y6618 w47 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff5 fs5 fc3 sc0 ls5 ws5\">Operating income<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x548 y6618 w283 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">12,394<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x549 y6618 w284 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">8,464<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x54a y6618 wea h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">415<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x54b y6618 w285 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(379)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x54c y6618 w286 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">20,894<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x54d y6618 w287 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">11,935<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x54e y6618 w209 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">8,021<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x54f y6618 w288 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">183<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x550 y6618 w289 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(443)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x26b y6618 w28a h1ff\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">19,696<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x40b y6619 w28b h1fe\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">External<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x551 y6619 w28c h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">11,718<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x552 y6619 w28d h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">3,619<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x553 y6619 w28e h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">416<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x554 y6619 w28f h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">5,141<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x555 y6619 w254 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">20,894<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x556 y6619 w290 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">10,480<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x557 y6619 w291 h1fe\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">3,533<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x558 y6619 w292 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">184<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x559 y6619 w293 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">5,499<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x55a y6619 w294 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">19,696<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x40b y661a w295 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">Inter-segment<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x55b y661a w296 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">676<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x55c y661a w297 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">4,845<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x55d y661a w298 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(1)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x55e y661a w299 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(5,520)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x55f y661a w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x560 y661a w29a h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">1,455<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x561 y661a w29b h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">4,488<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x562 y661a wac h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(1)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x563 y661a w29c h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(5,942)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x564 y661a w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y661b w56 h201\"><div class=\"t m0 x1ed h3d y6548 ff5 fs5 fc3 sc0 ls5 ws5\">Operating expenses<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x565 y661b w29d h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(6,509)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x566 y661b w29e h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(4,982)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x567 y661b w29f h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(461)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x568 y661b w2a0 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(395)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x569 y661b w2a1 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(12,347)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x56a y661b w2a2 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(6,334)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x56b y661b w2a3 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(4,749)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x56c y661b w2a4 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(460)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x56d y661b w129 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(247)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x56e y661b w273 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(11,790)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y661c w2a5 h21f\"><div class=\"t m0 x1ed h8 y65db ff5 fs5 fc3 sc0 ls5 ws5\">Operating profit/(loss) before<span class=\"_ _3eb\"> </span></div><div class=\"t m0 x1ed h3d y6548 ff5 fs5 fc3 sc0 ls5 ws5\">impairment losses and taxation<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x56f y661c w2a6 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">5,885<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x570 y661c w184 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">3,482<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x571 y661c w2a7 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(46)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x572 y661c w2a8 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(774)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x573 y661c w25f h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">8,547<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x574 y661c w2a9 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">5,601<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x575 y661c w2aa h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">3,272<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x576 y661c w2ab h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(277)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x577 y661c w2ac h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(690)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x578 y661c w2ad h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">7,906<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y661d w5d h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">Credit impairment<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x579 y661d w2ae h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(4)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x57a y661d w2af h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(595)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x57b y661d w62 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(59)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x57c y661d w2b0 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(18)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x57d y661d w262 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(676)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x57e y661d w2b1 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">120<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x57f y661d w2b2 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(623)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x580 y661d w2b3 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(73)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x581 y661d w2b4 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">19<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x582 y661d w2b5 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(557)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y661e w264 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">Other impairment<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x583 y661e w269 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(6)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x584 y661e w2ae h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(4)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x585 y661e w2b6 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(23)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x586 y661e w269 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(9)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x587 y661e w255 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(42)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x588 y661e w2b7 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(290)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x589 y661e w2b8 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(112)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x58a y661e w2b9 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(18)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x58b y661e w2ba h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(168)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x58c y661e w63 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(588)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y661f w2bb h219\"><div class=\"t m0 x1ed h3b y65db ff1 fs5 fc3 sc0 ls5 ws0\">Profit from associates and<span class=\"_ _3eb\"> </span></div><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">joint<span class=\"_ gs1a1\"> </span>ventures<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x58d y661f w2bc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x58e y661f w2bc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x58f y661f w2bd h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(39)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x590 y661f w2be h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">110<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x591 y661f w268 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">71<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x592 y661f w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x593 y661f w1cf h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x594 y661f w2bf h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(17)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x595 y661f w2c0 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">67<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x596 y661f w2c1 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">50<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x221 h8 y6620 ff5 fs5 fc3 sc0 ls5 ws5\">Underlying profit/(loss) </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y6621 w2c2 h201\"><div class=\"t m0 x1ed h3d y6548 ff5 fs5 fc3 sc0 ls5 ws5\">before<span class=\"_ gs1a6\"> </span>taxation<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x597 y6621 w2c3 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">5,875<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x598 y6621 w2c4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">2,883<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x599 y6621 w2c5 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(167)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x59a y6621 w2c6 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(691)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x59b y6621 w26b h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">7,900<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x59c y6621 w2c7 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">5,431<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x59d y6621 w26c h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">2,537<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x59e y6621 w2c8 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(385)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x59f y6621 w2c9 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(772)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x5a0 y6621 w27d h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">6,811<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y6622 w2ca h220\"><div class=\"t m0 x1ed h3b y6600 ff1 fs5 fc3 sc0 ls5 ws0\">Restructuring &amp; Other items</div><div class=\"t m0 x5a1 h3c y6601 ff1 fs1b fc3 sc0 ls2a ws29\">2,5<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x5a2 y6623 w2cb h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(525)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x5a3 y6623 w234 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(456)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x5a4 y6623 w2ae h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(4)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x5a5 y6623 w1f6 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">48<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x5a6 y6623 w2cc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(937)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x5a7 y6623 w2cd h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(234)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x5a8 y6623 w2ce h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(315)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x5a9 y6623 w2cf h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(3)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x5aa y6623 w25c h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(245)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x5ab y6623 w2d0 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(797)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x221 h8 y6624 ff5 fs5 fc3 sc0 ls5 ws5\">Reported profit/(loss) </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y6625 w2c2 h201\"><div class=\"t m0 x1ed h3d y6548 ff5 fs5 fc3 sc0 ls5 ws5\">before<span class=\"_ gs1a6\"> </span>taxation<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x5ac y6625 w2d1 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">5,350<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x5ad y6625 w2c4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">2,427<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x5ae y6625 w2d2 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(171)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x5af y6625 w184 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(643)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x5b0 y6625 w69 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">6,963<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x5b1 y6625 we1 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">5,197<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x5b2 y6625 w2d3 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">2,222<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x5b3 y6625 w2d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(388)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x5b4 y6625 w2d5 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(1,017)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x5b5 y6625 w1bb h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">6,014<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6626 w2d6 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Total assets<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x5b6 y6626 w2d7 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">516,923<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x5b7 y6626 w2d8 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">130,489<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x5b8 y6626 w2d9 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">8,335<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x5b9 y6626 w2da h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">264,208<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x5ba y6626 wf0 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">919,955<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x5bb y6626 w2db h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">485,680<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x5bc y6626 w2c h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">122,357<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x5bd y6626 w2dc h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">6,259<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x5be y6626 w2dd h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">235,392<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x5bf y6626 wf1 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">849,688<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x40a h1a y6627 ff4 fs5 fc3 sc0 ls5 ws5\">Of which: loans and advances </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x40b y6628 w2de h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">to customers<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x5c0 y6628 w2df h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">205,493<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x5c1 y6628 w2e0 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">126,980<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x5c2 y6628 w2e1 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">2,660<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x5c3 y6628 w2e2 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">14,453<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x5c4 y6628 w2e3 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">349,586<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x5c5 y6628 w2e4 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">197,582<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x5c6 y6628 w2e5 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">119,263<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x5c7 y6628 w2e6 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">1,388<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x5c8 y6628 w2e7 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">21,324<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x5c9 y6628 w2dd h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">339,557<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x5ca h3b y6629 ff1 fs5 fc3 sc0 ls5 ws0\">Loans and advances </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x5cb y662a w2de h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">to<span class=\"_ gs1a1\"> </span>customers<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x5cc y662a w2e8 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">142,698<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x5cd y662a w2e9 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">126,978<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x5ce y662a w2ea h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">2,659<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x5cf y662a w2e2 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">14,453<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x5d0 y662a wcc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">286,788<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x5d1 y662a w2eb h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">139,063<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x5d2 y662a w2ec h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">119,257<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x5d3 y662a w2e6 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">1,388<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x5d4 y662a w2ed h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">21,324<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x5d5 y662a wcd h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">281,032<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x5cb y6577 w2ee h221\"><div class=\"t m0 x1ed h3b y65dd ff1 fs5 fc3 sc0 ls5 ws0\">Loans held at fair value<span class=\"_ _3eb\"> </span></div><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">through profit or loss (FVTPL)</div><div class=\"t m0 x5d6 h3c y65df ff1 fs1b fc3 sc0 ls0 ws0\">3<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x5d7 y662b w2ef h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">62,795<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x5d8 y662b w2f0 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x5d9 y662b w2f1 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x5da y662b w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x5db y662b w2f2 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">62,798<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x5dc y662b w2f3 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">58,519<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x5dd y662b w44 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">6<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x5de y662b w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x5df y662b w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x5e0 y662b w2f4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">58,525<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y662c w2f5 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">Total liabilities<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x5e1 y662c w2f6 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">491,976<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x5e2 y662c w2f7 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">256,332<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x5e3 y662c w2f8 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">6,276<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x5e4 y662c w2f9 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">110,785<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x5e5 y662c w121 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">865,369<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x5e6 y662c w2fa h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">477,385<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x5e7 y662c w2fb h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">220,416<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x5e8 y662c w2fc h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">5,277<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x5e9 y662c w2fd h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">95,326<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x5ea y662c w122 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">798,404<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x40b y6567 w2fe h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Of which: customer accounts</div><div class=\"t m0 x5eb h3c y65df ff1 fs1b fc3 sc0 ls0 ws0\">4<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x5ec y662d w2ff h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">319,670<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x5ed y662d w1fe h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">252,033<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x5ee y662d w300 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">5,773<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x5ef y662d w301 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">7,698<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x5f0 y662d w302 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">585,174<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x5f1 y662d w303 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">297,690<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x5f2 y662d w304 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">216,662<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x5f3 y662d wed h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">5,028<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x5f4 y662d w218 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">3,883<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x5f5 y662d w2dd h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">523,263<span class=\"_ _3eb\"> </span></div></td></tr></table>1 <span class=\"_ _b\"> </span><span class=\"ff4\">Segment results have been re-presented in line with the RNS on Re-Presentation of <span class=\"_ _7\"></span>Financial Information issued on 2 April 2025.<span class=\"_ _3eb\"> </span></span>2 <span class=\"_ _f\"> </span><span class=\"ff4\">Other items 2025 include gains on sale of office space and include <span class=\"_ _7\"></span>a provision relating to the Korea equity-linked securities <span class=\"_ _7\"></span>and the settlement of a litigation matter. </span>Other items 2024 include $100 million charge relating <span class=\"_ _7\"></span>to Korea equity-linked securities (ELS) portfolio, $172 million <span class=\"_ _7\"></span>primarily relating to recycling of FX translation losses from reserves into P&amp;L on the sale <span class=\"_ _7\"></span>of Zimbabwe, $26 million loss on sale of <span class=\"_ _7\"></span>Angola, $19 million loss on Sierra Leone and <span class=\"_ _7\"></span>$15 million loss on the Aviation business disposal. Refer to the Restructuring, FFG (Fit for <span class=\"_ _7\"></span>Growth), DVA and Other items table on page <span class=\"_ _7\"></span>58.<span class=\"_ _3eb\"> </span>3 <span class=\"_ _f\"> </span><span class=\"ff4\">Loans held at FVTPL includes $50,443 million (2024: $51,441 million) of reverse repurchase <span class=\"_ _7\"></span>agreements.<span class=\"_ _3eb\"> </span></span>4 <span class=\"_ _e\"> </span><span class=\"ff4\">Customer accounts includes $19,414 million (2024: $21,772 million) of FVTPL and $35,599 <span class=\"_ _7\"></span>million (2024: $37,002 million) of repurchase agreements.<span class=\"_ _3eb\"> </span></span>5 <span class=\"_ _f\"> </span><span class=\"ff4\">Restructuring, FFG (Fit for Growth), DVA, Other items have been <span class=\"_ _7\"></span>combined and are now disclosed as one line <span class=\"_ _7\"></span>item i.e. \u2018Restructuring and Other items\u2019.<span class=\"_ _3eb\"> </span></span>Operating income by client segment<span class=\"_ _3eb\"> </span><table class=\"s w305 h222\" id=\"_94d4bce4-6348-4fb8-a4fe-662a8d5e392f\"><tr><td></td><td></td><td></td><td class=\"c n x5f6 y662e w306 h204\"><div class=\"t m0 x1ed h38 y6563 ff5 fs17 fc0 sc0 ls21 ws20\">2025<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td></td><td></td><td class=\"c n x5f7 y662e w307 h205\"><div class=\"t m0 x1ed h38 y6563 ff1 fs17 fc3 sc0 ls21 ws20\">2024<span class=\"_ _3eb\"> </span></div></td><td></td><td></td></tr><tr><td></td><td class=\"t m0 x5f8 h38 y662f ff5 fs17 fc0 sc0 ls21 ws20\">Corporate &amp; </td><td class=\"t m0 x5f9 h38 y662f ff5 fs17 fc0 sc0 ls21 ws20\">Wealth &amp; </td><td></td><td></td><td></td><td class=\"t m0 x5fa h39 y662f ff1 fs17 fc3 sc0 ls21 ws0\">Corporate &amp; </td><td class=\"t m0 x5fb h39 y662f ff1 fs17 fc3 sc0 ls21 ws0\">Wealth &amp; </td><td></td><td></td><td></td></tr><tr><td></td><td class=\"t m0 x5fc h38 y6630 ff5 fs17 fc0 sc0 ls21 ws20\">Investment </td><td class=\"t m0 x53f h38 y6630 ff5 fs17 fc0 sc0 ls21 ws20\">Retail </td><td></td><td class=\"t m0 x5fd h38 y6630 ff5 fs17 fc0 sc0 ls21 ws20\">Central &amp; </td><td></td><td class=\"t m0 x5fe h39 y6630 ff1 fs17 fc3 sc0 ls21 ws20\">Investment<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x400 h39 y6630 ff1 fs17 fc3 sc0 ls21 ws20\">Retail<span class=\"_ _3eb\"> </span></td><td></td><td class=\"t m0 x53c h39 y6630 ff1 fs17 fc3 sc0 ls21 ws0\">Central &amp;<span class=\"_ _3eb\"> </span></td><td></td></tr><tr><td></td><td class=\"t m0 x52e h38 y6631 ff2 fs17 fc0 sc0 ls21 ws20\">Banking </td><td class=\"t m0 x5ff h38 y6631 ff2 fs17 fc0 sc0 ls21 ws20\">Banking </td><td class=\"t m0 x600 h38 y6631 ff2 fs17 fc0 sc0 ls21 ws20\">Ventures<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x601 h38 y6631 ff5 fs17 fc0 sc0 ls21 ws20\">other items </td><td class=\"t m0 x602 h38 y6631 ff5 fs17 fc0 sc0 ls21 ws20\">Total<span class=\"_ _3eb\"> </span></td><td class=\"c x604 y6634 w308 h223\"><div class=\"t m0 x1ed h39 y6632 ff1 fs17 fc3 sc0 ls21 ws20\">Banking</div><div class=\"t m0 x603 h3a y6633 ff1 fs19 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c x606 y6634 w309 h223\"><div class=\"t m0 x1ed h39 y6632 ff1 fs17 fc3 sc0 ls21 ws20\">Banking</div><div class=\"t m0 x605 h3a y6633 ff1 fs19 fc3 sc0 ls0 ws0\">1</div></td><td class=\"t m0 x607 h39 y6631 ff1 fs17 fc3 sc0 ls21 ws20\">Ventures<span class=\"_ _3eb\"> </span></td><td class=\"c x609 y6634 w30a h223\"><div class=\"t m0 x1ed h39 y6632 ff1 fs17 fc3 sc0 ls21 ws0\">other items</div><div class=\"t m0 x608 h3a y6633 ff1 fs19 fc3 sc0 ls0 ws0\">1</div></td><td class=\"t m0 x60a h39 y6631 ff1 fs17 fc3 sc0 ls21 ws20\">Total<span class=\"_ _3eb\"> </span></td></tr><tr><td></td><td class=\"t m0 x60b h38 y6635 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x60c h38 y6635 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x60d h38 y6635 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x60e h38 y6635 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x60f h38 y6635 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x610 h2c y6635 ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x611 h2c y6635 ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x53b h2c y6635 ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x533 h2c y6635 ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1ec h2c y6635 ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"t m0 x221 h8 y6636 ff5 fs5 fc3 sc0 ls5 ws5\">Underlying versus reported:<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y6637 w30b h203\"><div class=\"t m0 x1ed h3d y655f ff5 fs5 fc3 sc0 ls5 ws5\">Underlying operating income<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x612 y6637 w30c h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">12,394<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x613 y6637 w284 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">8,464<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x614 y6637 wea h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">415<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x615 y6637 w285 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(379)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x616 y6637 w254 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">20,894<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x617 y6637 w219 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">11,935<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x618 y6637 w209 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">8,021<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x619 y6637 w288 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">183<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x61a y6637 w289 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(443)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x61b y6637 w294 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">19,696<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6638 w30d h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">Restructuring<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x61c y6638 wad h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(14)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x61d y6638 w2f1 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x61e y6638 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x61f y6638 w8e h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(11)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x620 y6638 w30e h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(24)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x621 y6638 w30f h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">69<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x622 y6638 w65 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">23<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x623 y6638 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x624 y6638 w310 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">11<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x625 y6638 w26f h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">103<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6639 w311 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">DVA<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x626 y6639 w312 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(31)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x627 y6639 w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x628 y6639 w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x629 y6639 w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x62a y6639 w95 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(31)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x62b y6639 w270 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(24)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x62c y6639 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x62d y6639 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x62e y6639 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x62f y6639 w277 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(24)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y663a w313 h21c\"><div class=\"t m0 x1ed h3b y6600 ff1 fs5 fc3 sc0 ls5 ws0\">Other items</div><div class=\"t m0 x630 h3c y6601 ff1 fs1b fc3 sc0 ls2a ws29\">2,3<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x631 y663b w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x632 y663b w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x633 y663b w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x634 y663b w314 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">103<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x635 y663b w314 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">103<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x636 y663b w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x637 y663b w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x638 y663b w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x639 y663b wde h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(232)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x63a y663b wde h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(232)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y663c w315 h203\"><div class=\"t m0 x1ed h3d y655f ff5 fs5 fc3 sc0 ls5 ws5\">Reported operating income<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x63b y663c w30c h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">12,349<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x63c y663c w316 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">8,465<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x63d y663c wea h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">415<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x63e y663c w317 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(287)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x63f y663c w318 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">20,942<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x640 y663c w319 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">11,980<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x641 y663c w31a h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">8,044<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x642 y663c w11f h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">183<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x643 y663c w31b h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(664)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x644 y663c w271 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">19,543<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x221 h8 y663d ff5 fs5 fc3 sc0 ls5 ws5\">Additional segmental income:<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y6610 w31c h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Net interest income<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x645 y6610 w31d h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">1,397<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x646 y6610 w31e h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">5,126<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x647 y6610 w31f h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">115<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x648 y6610 w320 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(683)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x649 y6610 w321 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">5,955<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x64a y6610 w31a h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">2,090<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x64b y6610 w322 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">5,175<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x64c y6610 w323 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">100<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x64d y6610 w10d h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(999)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x64e y6610 w324 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">6,366<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6577 w325 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">Net fees and commission income<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x64f y6577 w1e3 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">2,091<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x650 y6577 w326 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">2,192<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x651 y6577 w327 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">61<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x652 y6577 w62 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(95)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x653 y6577 w328 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">4,249<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x654 y6577 w329 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">1,938<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x655 y6577 w329 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">1,855<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x656 y6577 w92 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">52<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x657 y6577 w32a h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(111)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x658 y6577 w3e h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">3,734<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6566 w32b h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Net trading and other income<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x659 y6566 w32c h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">8,861<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x65a y6566 w32d h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">1,147<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x65b y6566 w32e h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">239<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x65c y6566 w28e h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">491<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x65d y6566 w32f h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">10,738<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x65e y6566 w330 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">7,952<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x65f y6566 w331 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">1,014<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x660 y6566 wc2 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">31<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x661 y6566 w332 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">446<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x662 y6566 wbb h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">9,443<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6567 w315 h203\"><div class=\"t m0 x1ed h3d y655f ff5 fs5 fc3 sc0 ls5 ws5\">Reported operating income<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x63b y6567 w30c h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">12,349<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x63c y6567 w316 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">8,465<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x63d y6567 wea h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">415<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x63e y6567 w317 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(287)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x63f y6567 w318 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">20,942<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x640 y6567 w319 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">11,980<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x641 y6567 w31a h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">8,044<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x642 y6567 w11f h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">183<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x643 y6567 w31b h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(664)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x644 y6567 w271 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">19,543<span class=\"_ _3eb\"> </span></div></td></tr></table>1 <span class=\"_ _b\"> </span><span class=\"ff4\">Segment results have been re-presented in line with the RNS on Re-Presentation of <span class=\"_ _7\"></span>Financial Information issued on 2 April 2025.<span class=\"_ _3eb\"> </span></span>2 <span class=\"_ _f\"> </span><span class=\"ff4\">Other items 2024 include $172 million primarily relating to recycling of FX <span class=\"_ _7\"></span>translation losses from reserves into P&amp;L on the <span class=\"_ _7\"></span>sale of Zimbabwe, $26 million loss on sale </span>of Angola, $19 million loss on Sierra Leone <span class=\"_ _7\"></span>and $15 million loss on the Aviation business <span class=\"_ _7\"></span>disposal.<span class=\"_ _3eb\"> </span>3 <span class=\"_ _f\"> </span><span class=\"ff4\">Other items 2025 include $113 million gains on sale of office space and <span class=\"_ _7\"></span>$10 million loss on business disposal.<span class=\"_ _3eb\"> </span></span>Reported operating income by geography<span class=\"_ _3eb\"> </span><table class=\"s w333 h224\" id=\"_28fd5979-6233-48a5-a4bc-257d5aa47acf\"><tr><td></td><td class=\"t m0 x663 h38 y663e ff2 fs17 fc0 sc0 ls21 ws0\">Hong Kong<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x664 h38 y663e ff2 fs17 fc0 sc0 ls21 ws20\">Korea<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x665 h38 y663e ff5 fs17 fc0 sc0 ls21 ws20\">China<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x666 h38 y663e ff5 fs17 fc0 sc0 ls21 ws20\">Taiwan<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x2d2 h38 y663e ff2 fs17 fc0 sc0 ls21 ws20\">Singapore<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x667 h38 y663e ff5 fs17 fc0 sc0 ls21 ws20\">India<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x668 h38 y663e ff5 fs17 fc0 sc0 ls21 ws20\">UAE<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x669 h38 y663e ff2 fs17 fc0 sc0 ls21 ws20\">UK<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x66a h38 y663e ff2 fs17 fc0 sc0 ls21 ws20\">US<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x2ea h38 y663e ff5 fs17 fc0 sc0 ls21 ws20\">Other<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x66b h38 y663e ff5 fs17 fc0 sc0 ls21 ws20\">Group<span class=\"_ _3eb\"> </span></td></tr><tr><td></td><td class=\"t m0 x66c h38 y663f ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x66d h38 y663f ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x66e h38 y663f ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x66f h38 y663f ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x2cd h38 y663f ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x670 h38 y663f ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x671 h38 y663f ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x672 h38 y663f ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x673 h38 y663f ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x674 h38 y663f ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x4c2 h38 y663f ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c n x1ee y662c w334 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff5 fs5 fc3 sc0 ls5 ws5\">2025<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x675 y662c w2ea h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">5,547<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x676 y662c w335 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">1,135<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x677 y662c w336 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">1,159<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x678 y662c w337 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">563<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x679 y662c w338 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">3,311<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x67a y662c w339 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">1,643<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x67b y662c w33a h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">1,191<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x67c y662c w33b h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">912<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x59e y662c w33c h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">1,254<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x67d y662c w33d h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">4,227<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x67e y662c w48 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">20,942<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6567 w33e h1fe\"><div class=\"t m0 x1ed h1a y6640 ff1 fs5 fc3 sc0 ls5 ws5\">2024<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x67f y6567 w33f h1ff\"><div class=\"t m0 x1ed h1a y6640 ff4 fs5 fc3 sc0 ls5 ws5\">4,797<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x680 y6567 w340 h1ff\"><div class=\"t m0 x1ed h1a y6640 ff4 fs5 fc3 sc0 ls5 ws5\">1,085<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x681 y6567 w10f h1ff\"><div class=\"t m0 x1ed h1a y6640 ff4 fs5 fc3 sc0 ls5 ws5\">1,327<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x682 y6567 w341 h1ff\"><div class=\"t m0 x1ed h1a y6640 ff4 fs5 fc3 sc0 ls5 ws5\">577<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x683 y6567 w26c h1ff\"><div class=\"t m0 x1ed h1a y6640 ff4 fs5 fc3 sc0 ls5 ws5\">2,573<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x684 y6567 w342 h1fe\"><div class=\"t m0 x1ed h1a y6640 ff1 fs5 fc3 sc0 ls5 ws5\">1,323<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x685 y6567 w343 h1ff\"><div class=\"t m0 x1ed h1a y6640 ff4 fs5 fc3 sc0 ls5 ws5\">837<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x686 y6567 w344 h1ff\"><div class=\"t m0 x1ed h1a y6640 ff4 fs5 fc3 sc0 ls5 ws5\">278<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x687 y6567 w345 h1ff\"><div class=\"t m0 x1ed h1a y6640 ff4 fs5 fc3 sc0 ls5 ws5\">1,288<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x688 y6567 w346 h1ff\"><div class=\"t m0 x1ed h1a y6640 ff4 fs5 fc3 sc0 ls5 ws5\">5,458<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x689 y6567 w49 h1ff\"><div class=\"t m0 x1ed h1a y6640 ff4 fs5 fc3 sc0 ls5 ws5\">19,543<span class=\"_ _3eb\"> </span></div></td></tr></table>Reported operating income by geography is based on the revenues attributed to all foreign countries in total from which the Group derives revenues.<span class=\"_ _3eb\"> </span>3. Net interest <span class=\"_ _1b\"></span>income<span class=\"_ _3eb\"> </span>Accounting policy<span class=\"_ _3eb\"> </span>Interest income for financial assets held <span class=\"_ _7\"></span>at either fair value through other comprehensive <span class=\"_ _7\"></span>income or amortised cost, and interest expense <span class=\"_ _1b\"></span>on all financial <span class=\"_ _7\"></span>liabilities held <span class=\"_ _1b\"></span>at amortised cost <span class=\"_ _7\"></span>is recognised <span class=\"_ _1b\"></span>in profit or <span class=\"_ _7\"></span>loss using <span class=\"_ _1b\"></span>the effective interest <span class=\"_ _7\"></span>method.<span class=\"_ _3eb\"> </span>The effective interest rate is the rate that discounts estimated future cash payments or receipts through the expected life of the financial instrument or, when appropriate, <span class=\"_ _7\"></span>a shorter period, to the net carrying <span class=\"_ _7\"></span>amount of the financial asset or <span class=\"_ _7\"></span>financial liability. When calculating the effective interest <span class=\"_ _7\"></span>rate, the Group estimates cash flows considering <span class=\"_ _7\"></span>all contractual terms of the financial instrument (for example prepayment options) <span class=\"_ _7\"></span>but does not consider future credit losses. <span class=\"_ _7\"></span>The calculation includes all fees paid or received between parties to the contract that are an integral part of the effective interest rate, transaction costs and all other premiums or discounts. <span class=\"_ _7\"></span>For floating-rate financial instruments, periodic re-estimation of <span class=\"_ _7\"></span>cash flows that reflect the movements in the market rates <span class=\"_ _7\"></span>of interest alters the effective interest rate. <span class=\"_ _7\"></span>Where the estimates of cash flows <span class=\"_ _7\"></span>have been revised, the carrying amount of the <span class=\"_ _7\"></span>financial asset or liability is adjusted to <span class=\"_ _7\"></span>reflect the actual and revised cash <span class=\"_ _7\"></span>flows, discounted at the instruments original effective <span class=\"_ _7\"></span>interest rate. The adjustment is recognised as <span class=\"_ _7\"></span>interest income or expense in<span class=\"_ gs36\"> </span>the period in which the revision <span class=\"_ _7\"></span>is made as long as the change <span class=\"_ _7\"></span>in estimates is not due to <span class=\"_ _7\"></span>credit issues.<span class=\"_ _3eb\"> </span>Interest income for financial assets that <span class=\"_ _7\"></span>are either held at fair value through <span class=\"_ _7\"></span>other comprehensive income or amortised cost<span class=\"_ gs36\"> </span>that have become credit-impaired subsequent to <span class=\"_ _7\"></span>initial recognition (stage 3) and have had <span class=\"_ _7\"></span>amounts written off, is<span class=\"_ gs36\"> </span>recognised using the credit adjusted effective <span class=\"_ _7\"></span>interest rate. This rate is calculated in <span class=\"_ _7\"></span>the same manner as the effective interest rate except that expected credit <span class=\"_ _7\"></span>losses are included in the expected cash <span class=\"_ _7\"></span>flows. Interest income is therefore recognised on the amortised cost of <span class=\"_ _7\"></span>the financial asset including expected credit losses. <span class=\"_ _7\"></span>Should the credit risk on a <span class=\"_ _7\"></span>stage 3 financial asset improve such that the <span class=\"_ _7\"></span>financial asset is no longer considered credit-impaired, <span class=\"_ _7\"></span>interest income recognition reverts to a computation based on <span class=\"_ _7\"></span>the rehabilitated gross carrying value of the <span class=\"_ _7\"></span>financial asset.<span class=\"_ _3eb\"> </span><table class=\"s w347 h225\" id=\"_ac0a6657-e322-4b18-97ed-f92b4c6cf6a4\"><tr><td></td><td class=\"t m0 x230 h38 y6641 ff5 fs17 fc0 sc0 ls21 ws20\">2025 <span class=\"ff2 ls0 ws0\"> </span></td><td class=\"t m0 x231 h39 y6641 ff1 fs17 fc3 sc0 ls21 ws20\">2024 <span class=\"ls0 ws0\"> </span></td></tr><tr><td></td><td class=\"t m0 x233 h38 y6642 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x234 h2c y6642 ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c n x1ee y6557 w348 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Balances at central banks<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x281 y6557 w349 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">2,126<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x68a y6557 w34a h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">2,520<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6558 wc8 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Loans and advances to banks<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x68b y6558 w34b h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">2,209<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x68c y6558 w34c h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">2,368<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y658b wcb h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Loans and advances to customers<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x68d y658b w34d h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">14,045<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x68e y658b w10c h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">16,179<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y655a w34e h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">Debt securities<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x68f y655a w34f h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">4,855<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x690 y655a w350 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">5,165<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y655b w351 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">Other eligible bills<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x691 y655b w352 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">1,210<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x692 y655b w353 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">1,495<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y655c w354 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">Accrued on impaired assets (discount unwind)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x693 y655c w355 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">102<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x694 y655c w356 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">135<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y655d w357 h203\"><div class=\"t m0 x1ed h3d y655f ff5 fs5 fc3 sc0 ls5 ws5\">Interest income<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x695 y655d w358 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">24,547<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x696 y655d w309 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">27,862<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x236 y6573 w359 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">Of which: financial instruments held at fair <span class=\"_ _7\"></span>value through other comprehensive income<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x697 y6573 w35a h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">3,745<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x698 y6573 w35b h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">3,773<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6560 wf2 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Deposits by banks<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x699 y6560 w109 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">664<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x69a y6560 w35c h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">806<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6575 wf5 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Customer accounts<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x69b y6575 w35d h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">13,878<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x69c y6575 w35e h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">16,276<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y658d w101 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">Debt securities in issue<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x69d y658d w35f h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">3,432<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x69e y658d w360 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">3,610<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6610 w10e h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">Subordinated liabilities and other borrowed funds<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x69f y6610 w361 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">552<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x6a0 y6610 w117 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">744<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6577 w362 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">Interest expense on IFRS 16 lease liabilities<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x6a1 y6577 w363 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">66<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x6a2 y6577 w364 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">60<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6566 w365 h203\"><div class=\"t m0 x1ed h3d y655f ff5 fs5 fc3 sc0 ls5 ws5\">Interest expense<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x6a3 y6566 w9c h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">18,592<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x6a4 y6566 w366 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">21,496<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6567 w31 h203\"><div class=\"t m0 x1ed h3d y655f ff5 fs5 fc3 sc0 ls5 ws5\">Net interest income<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x6a5 y6567 w367 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">5,955<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x6a6 y6567 w324 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">6,366<span class=\"_ _3eb\"> </span></div></td></tr></table>4. Net fees <span class=\"_ _1b\"></span>and commission<span class=\"_ _3eb\"> </span>Accounting policy<span class=\"_ _3eb\"> </span>The Group can act as trustee <span class=\"_ _7\"></span>or in other Fiduciary capacities that result <span class=\"_ _7\"></span>in the holding or placing of <span class=\"_ _7\"></span>assets on behalf of individuals, trusts, retirement benefit plans and <span class=\"_ _7\"></span>other institutions. The assets and income arising <span class=\"_ _7\"></span>thereon are excluded from these financial statements, as they are <span class=\"_ _7\"></span>not assets and income of the Group.<span class=\"_ _3eb\"> </span>The Group applies the following practical <span class=\"_ _7\"></span>expedients: <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">information on amounts of transaction price allocated to unsatisfied (or partially unsatisfied) <span class=\"_ _7\"></span>performance obligations at the </span>end of the reporting period is not disclosed as almost all fee-earning contracts have an expected duration of less than one year <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">promised consideration is not adjusted for the effects of a significant financing <span class=\"_ _7\"></span>component as the period between the <span class=\"_ _7\"></span>Group </span>providing a service and the customer <span class=\"_ _7\"></span>paying for it is expected to be <span class=\"_ _7\"></span>less than one year <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">incremental costs of obtaining a fee-earning contract are recognised upfront in \u2018Fees <span class=\"_ _7\"></span>and commission expense\u2019 rather than </span>amortised, if the expected term of <span class=\"_ _7\"></span>the contract is less than one year.<span class=\"_ _3eb\"> </span>The determination of the services performed <span class=\"_ _7\"></span>for the customer, the transaction price, and <span class=\"_ _7\"></span>when the services are completed depends on the nature of the <span class=\"_ _7\"></span>product with the customer. The main considerations <span class=\"_ _7\"></span>on income recognition by product are <span class=\"_ _7\"></span>as follows:<span class=\"_ _3eb\"> </span>Transaction Banking<span class=\"_ _3eb\"> </span>The Group recognises fee income associated with transactional trade and cash management at the point in time the service is<span class=\"_ gs36\"> </span>provided. The Group recognises income associated <span class=\"_ _7\"></span>with trade contingent risk exposures (such as <span class=\"_ _7\"></span>letters of credit and guarantees) over the period in which <span class=\"_ _7\"></span>the service is provided.<span class=\"_ _3eb\"> </span>Payment of fees is usually received <span class=\"_ _7\"></span>at the same time the service is <span class=\"_ _7\"></span>provided. In some cases, letters of <span class=\"_ _7\"></span>credit and guarantees issued by the Group have annual <span class=\"_ _7\"></span>upfront premiums, which are amortised on a <span class=\"_ _7\"></span>straight-line basis to fee income over <span class=\"_ _7\"></span>the year. Global Markets<span class=\"_ _3eb\"> </span>The Group <span class=\"_ _7\"></span>recognises fee income <span class=\"_ _1b\"></span>at the point in <span class=\"_ _7\"></span>time the <span class=\"_ _7\"></span>service is <span class=\"_ _7\"></span>provided. Fee <span class=\"_ _7\"></span>income is <span class=\"_ _7\"></span>recognised for <span class=\"_ _7\"></span>a significant <span class=\"_ _7\"></span>non-lending service when the transaction has been <span class=\"_ _7\"></span>completed and the terms of the contract <span class=\"_ _7\"></span>with the customer entitle the Group <span class=\"_ _7\"></span>to the fee. This includes fees such as structuring <span class=\"_ _7\"></span>and advisory fees. Fees are usually received <span class=\"_ _7\"></span>shortly after the service is provided.<span class=\"_ _3eb\"> </span>Syndication fees are recognised when the <span class=\"_ _7\"></span>syndication is complete, defined as achieving the <span class=\"_ _7\"></span>final approved hold position. Fees<span class=\"_ gs36\"> </span>are generally received before completion of <span class=\"_ _7\"></span>the syndication, or within 12 months of <span class=\"_ _7\"></span>the transaction date.<span class=\"_ _3eb\"> </span>Securities services include custody services, fund <span class=\"_ _7\"></span>accounting and administration, and broker clearing. Fees <span class=\"_ _7\"></span>are recognised over the period the custody or fund <span class=\"_ _7\"></span>management services are provided, or as and <span class=\"_ _7\"></span>when broker services are requested. Wealth Management<span class=\"_ _3eb\"> </span>Upfront consideration on bancassurance agreements is <span class=\"_ _7\"></span>amortised straight-line over the contractual term. Commissions for<span class=\"_ gs36\"> </span>bancassurance activities are recorded as they <span class=\"_ _7\"></span>are earned through sales of third-party insurance <span class=\"_ _7\"></span>products to customers. These commissions are received within a <span class=\"_ _7\"></span>short time frame of the commission being <span class=\"_ _7\"></span>earned. Target-linked fees are accrued based on percentage of the target <span class=\"_ _7\"></span>achieved, provided it is assessed as highly <span class=\"_ _7\"></span>probable that the target will be <span class=\"_ _7\"></span>met. Cash payment is received at a contractually <span class=\"_ _7\"></span>specified date after achievement of a target <span class=\"_ _7\"></span>has been confirmed.<span class=\"_ _3eb\"> </span>Upfront and trailing commissions for managed <span class=\"_ _7\"></span>investment placements are recorded as they are <span class=\"_ _7\"></span>confirmed. Income from these<span class=\"_ gs36\"> </span>activities is relatively even throughout the <span class=\"_ _7\"></span>period, and cash is usually received within <span class=\"_ _7\"></span>a short time frame after the commission is earned.<span class=\"_ _3eb\"> </span>Retail Products<span class=\"_ _3eb\"> </span>The Group recognises most income at the point in time the Group is entitled to the fee, since most services are provided at<span class=\"_ gs36\"> </span>the<span class=\"_ gs36\"> </span>time of the customer\u2019s request.<span class=\"_ _3eb\"> </span>In most of our retail markets <span class=\"_ _7\"></span>there are circumstances under which fees are <span class=\"_ _7\"></span>waived, income recognition is adjusted to <span class=\"_ _7\"></span>reflect customer\u2019s intent to pay the annual <span class=\"_ _7\"></span>fee. The Group defers the fair value <span class=\"_ _7\"></span>of reward points on its credit <span class=\"_ _7\"></span>card reward programmes, and recognises income and costs associated <span class=\"_ _7\"></span>with fulfilling the reward at the time <span class=\"_ _7\"></span>of redemption.<span class=\"_ _3eb\"> </span><table class=\"s w368 h226\" id=\"_c99ef932-c129-4e8b-a81c-9165e14503a8\"><tr><td></td><td class=\"t m0 x230 h38 y6643 ff5 fs17 fc0 sc0 ls21 ws20\">2025<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x231 h39 y6643 ff1 fs17 fc3 sc0 ls21 ws20\">2024<span class=\"_ _3eb\"> </span></td></tr><tr><td></td><td class=\"t m0 x233 h38 y6644 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x234 h2c y6644 ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c n x1ee y655d w369 h201\"><div class=\"t m0 x1ed h3d y6548 ff5 fs5 fc3 sc0 ls5 ws5\">Fees and commissions income<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x6a7 y655d w36a h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">5,349<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2b7 y655d w2c6 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">4,623<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x247 h1a y6645 ff4 fs5 fc3 sc0 ls5 ws5\">Of which:<span class=\"_ _3eb\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x236 y6574 w36b h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">Financial instruments that are not fair valued <span class=\"_ _7\"></span>through profit or loss<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x6a8 y6574 w215 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">1,566<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x6a9 y6574 w29a h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">1,436<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x236 y6646 w36c h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">Trust and other fiduciary activities<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x6aa y6646 w36d h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">793<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x6ab y6646 wee h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">632<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6562 w36e h201\"><div class=\"t m0 x1ed h3d y6548 ff5 fs5 fc3 sc0 ls5 ws5\">Fees and commissions expense<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x6ac y6562 w23a h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(1,100)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x6ad y6562 w3a h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(889)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x247 h1a y6647 ff4 fs5 fc3 sc0 ls5 ws5\">Of which:<span class=\"_ _3eb\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x236 y6577 w36b h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">Financial instruments that are not fair valued <span class=\"_ _7\"></span>through profit or loss<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x6ae y6577 w36f h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(376)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x6af y6577 w25c h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(245)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x236 y6566 w36c h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">Trust and other fiduciary activities<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x6b0 y6566 w27d h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(68)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x6b1 y6566 wf9 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(50)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6567 w370 h201\"><div class=\"t m0 x1ed h3d y6548 ff5 fs5 fc3 sc0 ls5 ws5\">Net fees and commission<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x6b2 y6567 w3d h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">4,249<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x6b3 y6567 w3e h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">3,734<span class=\"_ _3eb\"> </span></div></td></tr></table><table class=\"s w371 h227\" id=\"_a0b8e78b-4627-4641-b9c1-2201952ed669\"><tr><td></td><td></td><td></td><td class=\"c n x6b4 y6648 w306 h215\"><div class=\"t m0 x1ed h38 y6563 ff5 fs17 fc0 sc0 ls21 ws20\">2025<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td></td><td></td><td class=\"c n x6b5 y6648 w307 h205\"><div class=\"t m0 x1ed h38 y6563 ff1 fs17 fc3 sc0 ls21 ws20\">2024<span class=\"_ _3eb\"> </span></div></td><td></td><td></td></tr><tr><td></td><td class=\"t m0 x6b6 h38 y6649 ff5 fs17 fc0 sc0 ls21 ws20\">Corporate </td><td></td><td></td><td></td><td></td><td class=\"t m0 x6b7 h39 y6649 ff1 fs17 fc3 sc0 ls21 ws20\">Corporate </td><td></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"t m0 x6b8 h38 y664a ff5 fs17 fc0 sc0 ls0 ws0\">&amp; </td><td class=\"t m0 x6b9 h38 y664a ff5 fs17 fc0 sc0 ls21 ws20\">Wealth &amp; </td><td></td><td class=\"t m0 x2c9 h38 y664a ff5 fs17 fc0 sc0 ls21 ws20\">Central &amp; </td><td></td><td class=\"t m0 x6ba h39 y664a ff1 fs17 fc3 sc0 ls0 ws0\">&amp; </td><td class=\"t m0 x2e8 h39 y664a ff1 fs17 fc3 sc0 ls21 ws0\">Wealth &amp; </td><td></td><td class=\"t m0 x6bb h39 y664a ff1 fs17 fc3 sc0 ls21 ws0\">Central &amp; </td><td></td></tr><tr><td></td><td class=\"t m0 x2d5 h38 y664b ff5 fs17 fc0 sc0 ls21 ws20\">Investment </td><td class=\"t m0 x665 h38 y664b ff5 fs17 fc0 sc0 ls21 ws20\">Retail </td><td></td><td class=\"t m0 x6bc h38 y664b ff5 fs17 fc0 sc0 ls21 ws20\">Other<span class=\"_ _3eb\"> </span></td><td></td><td class=\"t m0 x6bd h39 y664b ff1 fs17 fc3 sc0 ls21 ws20\">Investment </td><td class=\"t m0 x6be h39 y664b ff1 fs17 fc3 sc0 ls21 ws20\">Retail<span class=\"_ _3eb\"> </span></td><td></td><td class=\"t m0 x2ea h39 y664b ff1 fs17 fc3 sc0 ls21 ws20\">Other<span class=\"_ _3eb\"> </span></td><td></td></tr><tr><td></td><td class=\"t m0 x6bf h38 y664c ff2 fs17 fc0 sc0 ls21 ws20\">Banking<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x6c0 h38 y664c ff2 fs17 fc0 sc0 ls21 ws20\">Banking<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x6c1 h38 y664c ff2 fs17 fc0 sc0 ls21 ws20\">Ventures<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x6c2 h38 y664c ff5 fs17 fc0 sc0 ls21 ws20\">Items </td><td class=\"t m0 x6c3 h38 y664c ff5 fs17 fc0 sc0 ls21 ws20\">Total<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x6c4 h39 y664c ff1 fs17 fc3 sc0 ls21 ws20\">Banking<span class=\"_ _3eb\"> </span></td><td class=\"c x6c6 y664e w372 h228\"><div class=\"t m0 x1ed h39 y65c3 ff1 fs17 fc3 sc0 ls21 ws20\">Banking</div><div class=\"t m0 x6c5 h3a y664d ff1 fs19 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c x6c8 y664e w373 h228\"><div class=\"t m0 x1ed h39 y65c3 ff1 fs17 fc3 sc0 ls21 ws20\">Ventures</div><div class=\"t m0 x6c7 h3a y664d ff1 fs19 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c x6ca y664e w374 h228\"><div class=\"t m0 x1ed h39 y65c3 ff1 fs17 fc3 sc0 ls21 ws20\">Items</div><div class=\"t m0 x6c9 h3a y664d ff1 fs19 fc3 sc0 ls0 ws0\">1</div></td><td class=\"t m0 x6cb h39 y664c ff1 fs17 fc3 sc0 ls21 ws20\">Total<span class=\"_ _3eb\"> </span></td></tr><tr><td></td><td class=\"t m0 x66d h38 y664f ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x66e h38 y664f ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x66f h38 y664f ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x2cd h38 y664f ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x670 h38 y664f ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x671 h2c y664f ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x6cc h2c y664f ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x673 h2c y664f ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x674 h2c y664f ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x234 h2c y664f ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c n x1ee y6550 w375 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Transaction Services<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x6cd y6550 w350 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">1,591<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x6ce y6550 w2bc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x6cf y6550 w2bc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x6d0 y6550 w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x6d1 y6550 w350 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">1,591<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x6d2 y6550 w353 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">1,456<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x6d3 y6550 w1cf h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x6d4 y6550 w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x6d5 y6550 w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x6d6 y6550 w353 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">1,456<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x236 y6551 w376 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">Payments &amp; Liquidity<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x6d7 y6551 w377 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">642<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x6d8 y6551 w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x6d9 y6551 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x6da y6551 w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x6db y6551 w377 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">642<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x6dc y6551 w118 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">634<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x6dd y6551 w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x6de y6551 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x6df y6551 w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x6e0 y6551 w378 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">634<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x236 y6552 w2bb h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">Securities &amp; Prime Services<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x6e1 y6552 we7 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">346<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x6e2 y6552 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x6e3 y6552 w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x6e4 y6552 w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x6e5 y6552 we7 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">346<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x6e6 y6552 w379 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">254<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x6e7 y6552 w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x6e8 y6552 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x6e9 y6552 w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x6ea y6552 w379 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">254<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x236 y6553 w37a h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Trade &amp; Working Capital<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x6eb y6553 w37b h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">603<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x6ec y6553 w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x6ed y6553 w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x6ee y6553 w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x6ef y6553 w37c h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">603<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x6e6 y6553 w37d h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">568<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x6f0 y6553 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x6f1 y6553 w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x6f2 y6553 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x6f3 y6553 w117 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">568<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6554 w37e h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Global Banking<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x6f4 y6554 w37f h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">1,091<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x6f5 y6554 w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x6f6 y6554 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x6f7 y6554 w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x6f8 y6554 w37f h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">1,091<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x6f9 y6554 w380 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">937<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x6fa y6554 w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x6fb y6554 w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x6fc y6554 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x6fd y6554 w380 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">937<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x236 y6555 w381 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">Lending &amp; Financial Solutions<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x6fe y6555 w306 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">673<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x6ff y6555 w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x700 y6555 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x701 y6555 w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x702 y6555 w36d h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">673<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x703 y6555 w382 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">633<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x704 y6555 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x705 y6555 w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x706 y6555 w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x238 y6555 w382 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">633<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x236 y6556 w383 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Capital Markets &amp; Advisory<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x707 y6556 w384 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">418<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x708 y6556 w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x709 y6556 w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x70a y6556 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x70b y6556 wee h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">418<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x70c y6556 w385 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">304<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x70d y6556 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x70e y6556 w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x70f y6556 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x710 y6556 w386 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">304<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6557 w387 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Global Markets<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x711 y6557 w388 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">51<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x712 y6557 w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x713 y6557 w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x714 y6557 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x715 y6557 w388 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">51<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x716 y6557 w1f2 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">36<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x717 y6557 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x718 y6557 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x719 y6557 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x71a y6557 w389 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">36<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x236 y6558 w38a h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Macro Trading<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x71b y6558 w38b h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x71c y6558 w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x71d y6558 w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x71e y6558 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x71f y6558 w38b h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x720 y6558 w38c h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(3)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x721 y6558 w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x722 y6558 w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x723 y6558 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x724 y6558 w38c h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(3)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x236 y6559 w38d h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Credit Trading<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x725 y6559 w38e h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">50<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x726 y6559 w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x727 y6559 w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x728 y6559 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x729 y6559 w38e h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">50<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x72a y6559 w38f h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">40<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x72b y6559 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x72c y6559 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x72d y6559 w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x72e y6559 w38f h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">40<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x236 y655a w390 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Valuation &amp; Other Adj<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x72f y655a w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x730 y655a w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x731 y655a w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x732 y655a w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x733 y655a w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x734 y655a wac h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(1)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x735 y655a w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x736 y655a w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x737 y655a w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x738 y655a wac h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(1)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y655b w391 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Wealth solutions<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x739 y655b w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x73a y655b w392 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">2,006<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x73b y655b w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x73c y655b w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x73d y655b w392 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">2,006<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x73e y655b w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x73f y655b w212 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">1,598<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x740 y655b w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x741 y655b w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x742 y655b w212 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">1,598<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x236 y655c w393 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Investment Products<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x743 y655c w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x744 y655c w291 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">1,252<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x745 y655c w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x746 y655c w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x747 y655c w394 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">1,252<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x748 y655c w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x749 y655c w395 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">929<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x74a y655c w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x74b y655c w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x74c y655c w11b h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">929<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x236 y655d w396 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">Bancassurance<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x74d y655d w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x74e y655d w397 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">754<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x700 y655d w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x701 y655d w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x74f y655d wa5 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">754<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x750 y655d w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x751 y655d w398 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">669<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x752 y655d w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x753 y655d w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x754 y655d w398 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">669<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6573 w399 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Deposits &amp; Mortgages<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x755 y6573 w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x756 y6573 w39a h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">211<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x757 y6573 w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x758 y6573 w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x759 y6573 w14a h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">211<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x75a y6573 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x75b y6573 w39b h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">222<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x75c y6573 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x75d y6573 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x75e y6573 w39b h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">222<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6574 w39c h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">CCPL &amp; Other Unsecured Lending<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x75f y6574 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x760 y6574 w39d h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">282<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x761 y6574 w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x762 y6574 w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x763 y6574 w39d h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">282<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x764 y6574 w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x765 y6574 w39e h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">321<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x766 y6574 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x767 y6574 w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x768 y6574 w39f h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">321<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6560 w3a0 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">Ventures<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x769 y6560 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x76a y6560 w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x76b y6560 w27b h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">89<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x76c y6560 w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x76d y6560 w2c1 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">89<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x76e y6560 w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x76f y6560 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x770 y6560 w3a1 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">78<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x771 y6560 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x772 y6560 w3a1 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">78<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x236 y6561 w3a2 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">Digital Banks<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x773 y6561 w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x774 y6561 w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x775 y6561 wb8 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">54<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x776 y6561 w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x777 y6561 wb8 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">54<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x778 y6561 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x779 y6561 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x77a y6561 w3a3 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">43<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x77b y6561 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x77c y6561 w3a3 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">43<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x236 y6562 w3a4 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">SCV<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x77d y6562 w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x77e y6562 w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x77f y6562 w3a5 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">35<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x780 y6562 w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x781 y6562 w3a6 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">35<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x782 y6562 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x783 y6562 w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x784 y6562 w3a7 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">35<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x785 y6562 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x786 y6562 w1ea h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">35<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6610 w3a8 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Treasury &amp; Other<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x787 y6610 w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x788 y6610 w3a9 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">28<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x789 y6610 w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x78a y6610 w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x78b y6610 w3aa h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">28<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x78c y6610 w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x78d y6610 w3ab h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">27<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x78e y6610 w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x78f y6610 w3ac h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(52)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x790 y6610 w3ac h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(25)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6577 w3ad h203\"><div class=\"t m0 x1ed h3d y655f ff5 fs5 fc3 sc0 ls5 ws5\">Fees and commission income<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x791 y6577 w3ae h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">2,733<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x792 y6577 w3a h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">2,527<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x793 y6577 w27b h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">89<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x794 y6577 w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x795 y6577 w36a h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">5,349<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x796 y6577 w3af h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">2,429<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x797 y6577 w3b0 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">2,168<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x798 y6577 w3a1 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">78<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x799 y6577 w3ac h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(52)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x79a y6577 w2c6 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">4,623<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6566 w38 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">Fees and commission expense<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x79b y6566 w3b1 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(642)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x79c y6566 w3b2 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(335)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x79d y6566 wa3 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(28)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x79e y6566 w62 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(95)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x79f y6566 w23a h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(1,100)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7a0 y6566 w3b3 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(491)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7a1 y6566 w3b4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(313)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7a2 y6566 w3b5 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(26)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7a3 y6566 w3b6 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(59)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7a4 y6566 w3a h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(889)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6567 w370 h203\"><div class=\"t m0 x1ed h3d y655f ff5 fs5 fc3 sc0 ls5 ws5\">Net fees and commission<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7a5 y6567 w3b7 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">2,091<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7a6 y6567 w326 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">2,192<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7a7 y6567 w327 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">61<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7a8 y6567 w3b8 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(95)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7a9 y6567 w3d h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">4,249<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7aa y6567 w329 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">1,938<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7ab y6567 w329 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">1,855<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7ac y6567 w8f h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">52<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7ad y6567 w32a h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(111)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7ae y6567 w3e h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">3,734<span class=\"_ _3eb\"> </span></div></td></tr></table>1 <span class=\"_ _b\"> </span><span class=\"ff4\">Products have been re-presented in line with the RNS on Re-Presentation of Financial <span class=\"_ _7\"></span>Information issued on 2 April 2025 with no <span class=\"_ _7\"></span>change in total income.<span class=\"_ _3eb\"> </span></span>Upfront bancassurance consideration amounts are amortised <span class=\"_ _7\"></span>on a straight-line basis over the contractual <span class=\"_ _7\"></span>period to which the<span class=\"_ gs36\"> </span>consideration relates. Deferred income on the <span class=\"_ _7\"></span>balance sheet in respect of these activities <span class=\"_ _7\"></span>is $363 million (31 December 2024:<span class=\"_ gs36\"> </span>$419 million), which will be earned <span class=\"_ _7\"></span>evenly over the remaining life of the <span class=\"_ _7\"></span>contract until June 2032. For the <span class=\"_ _7\"></span>twelve months ended 31 December 2025, $56 million <span class=\"_ _7\"></span>of fee income was released from deferred <span class=\"_ _7\"></span>income (31 December 2024: $56 million).<span class=\"_ _3eb\"> </span>5. Net trading <span class=\"_ _1b\"></span>income<span class=\"_ _3eb\"> </span>Accounting policy<span class=\"_ _3eb\"> </span>Gains and losses arising from changes <span class=\"_ _7\"></span>in the fair value of financial instruments <span class=\"_ _7\"></span>held at fair value through profit <span class=\"_ _7\"></span>or loss are recorded in net trading income in <span class=\"_ _7\"></span>the period in which they arise. This <span class=\"_ _7\"></span>includes contractual interest receivable or payable. When the initial fair value of <span class=\"_ _7\"></span>a financial instrument held at fair value <span class=\"_ _7\"></span>through profit or loss relies on <span class=\"_ _7\"></span>unobservable inputs, the difference between the initial valuation and <span class=\"_ _7\"></span>the transaction price is amortised to net <span class=\"_ _7\"></span>trading income as the inputs become observable or over the life of <span class=\"_ _7\"></span>the instrument, whichever is shorter. Any unamortised <span class=\"_ _7\"></span>\u2018day one\u2019 gain is released to <span class=\"_ _7\"></span>net trading income if the transaction is terminated.<span class=\"_ _3eb\"> </span>Income is recognised from the sale <span class=\"_ _7\"></span>and purchase of trading positions, margins on <span class=\"_ _7\"></span>market making and customer business and fair value changes.<span class=\"_ _3eb\"> </span><table class=\"s w3b9 h229\" id=\"_40d2905f-4c9b-4494-8bb3-5399a73bed12\"><tr><td></td><td class=\"t m0 x1e8 h38 y6650 ff5 fs17 fc0 sc0 ls21 ws20\">2025<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1e9 h39 y6650 ff1 fs17 fc3 sc0 ls21 ws20\">2024<span class=\"_ _3eb\"> </span></td></tr><tr><td></td><td class=\"t m0 x1eb h38 y6651 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1ec h2c y6651 ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c n x1ee y6575 w3f h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Net trading income<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7af y6575 w3ba h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">10,294<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7b0 y6575 w3bb h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">9,615<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x221 h1a y6652 ff4 fs5 fc3 sc0 ls5 ws5\">Significant items within net trading income include:<span class=\"_ _3eb\"> </span></td><td></td><td></td></tr><tr><td class=\"c x1ee y6653 w3bc h220\"><div class=\"t m0 x1ed h3b y6600 ff1 fs5 fc3 sc0 ls5 ws0\">Gains on instruments held for trading</div><div class=\"t m0 x7b1 h3c y6601 ff1 fs1b fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7b2 y6610 w3bd h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">8,267<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7b3 y6610 w3be h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">7,418<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6577 w3bf h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">Gains on financial assets mandatorily at fair <span class=\"_ _7\"></span>value through profit or loss<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7b4 y6577 w3c0 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">5,468<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7b5 y6577 w3c1 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">5,392<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6566 w3c2 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(Losses)/gains on financial assets designated at fair <span class=\"_ _7\"></span>value through profit or loss<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7b6 y6566 w3c3 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(10)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7b7 y6566 w5e h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">8<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6567 w3c4 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">Losses on financial liabilities designated at fair <span class=\"_ _7\"></span>value through profit or loss<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7b8 y6567 w3c5 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(3,476)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7b9 y6567 w3c6 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(3,252)<span class=\"_ _3eb\"> </span></div></td></tr></table>1 <span class=\"_ _b\"> </span><span class=\"ff4\">Includes $87 million gain (31 December 2024: $583 million gain) from the translation <span class=\"_ _7\"></span>of foreign currency monetary assets and liabilities.<span class=\"_ _3eb\"> </span></span>6. Other operating <span class=\"_ _1b\"></span>income<span class=\"_ _3eb\"> </span><table class=\"s w3c7 h22a\" id=\"_c2d15fa5-b976-470b-86ed-f7e729857fdd\"><tr><td></td><td class=\"t m0 x7ba h38 y6654 ff5 fs17 fc0 sc0 ls21 ws20\">2025<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x7bb h39 y6654 ff1 fs17 fc3 sc0 ls21 ws20\">2024<span class=\"_ _3eb\"> </span></td></tr><tr><td></td><td class=\"t m0 x7bc h38 y6655 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x7bd h2c y6655 ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"t m0 x221 h8 y6656 ff5 fs5 fc3 sc0 ls5 ws5\">Other operating income/(loss) includes:<span class=\"_ _3eb\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x1ee y6560 w3c8 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Rental income from operating lease assets<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7be y6560 w3c9 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">33<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7bf y6560 w38f h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">40<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6575 w3ca h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Net loss on disposal of fair value through other comprehensive income debt instruments<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7c0 y6575 w257 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(10)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7c1 y6575 w31d h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(237)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y658d w3cb h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">Net loss on amortised cost financial assets<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7c2 y658d w3cc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(43)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7c3 y658d w3cd h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(27)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y658e w3ce h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">Net gain/(loss) on sale of businesses<span class=\"_ _3eb\"> </span></div></td><td class=\"c x7c5 y658e w3cf h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">242</div><div class=\"t m0 x7c4 h93 y6657 ff6 fs1b fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c x7c7 y6658 w3d0 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(210)</div><div class=\"t m0 x7c6 h3c y65df ff1 fs1b fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6659 w3d1 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">Dividend income<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7c8 y6659 w3d2 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">10<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7c9 y6659 w40 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls0 ws0\">5<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y665a w3d3 h21c\"><div class=\"t m0 x1ed h3b y6600 ff1 fs5 fc3 sc0 ls5 ws5\">Other</div><div class=\"t m0 x7ca h3c y6601 ff1 fs1b fc3 sc0 ls0 ws0\">3<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x609 y6566 w3d4 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">212<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7cb y6566 w39b h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">257<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6567 w3d5 h203\"><div class=\"t m0 x1ed h3d y655f ff5 fs5 fc3 sc0 ls5 ws5\">Other operating income/(loss)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7cc y6567 w45 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">444<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7cd y6567 w46 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(172)<span class=\"_ _3eb\"> </span></div></td></tr></table>1 <span class=\"_ _b\"> </span><span class=\"ff4\">Includes $241 million gain from disposal of businesses ($238 million gain from Standard <span class=\"_ _7\"></span>Chartered Research and Technology India Private Limited; and <span class=\"_ _7\"></span>$13 million </span>gain from WRB business in SCB Tanzania, partly <span class=\"_ _7\"></span>offset by $5 million loss from Standard Chartered <span class=\"_ _7\"></span>Bank Gambia Limited and $5 million loss from <span class=\"_ _7\"></span>Standard Chartered Bank Cameroon S.A.) of which $20 million <span class=\"_ _7\"></span>relates to realisation of translation adjustment loss. Total <span class=\"_ _7\"></span>cash consideration received from the disposal was<span class=\"_ gs1a2\"> </span>$48 million ($13 million: SCB Tanzania, $6 million: <span class=\"_ _7\"></span>Standard Chartered Bank Gambia Limited, $29 million: Standard <span class=\"_ _7\"></span>Chartered Bank Cameroon S.A.<span class=\"_ _3eb\"> </span>2 <span class=\"_ _f\"> </span><span class=\"ff4\">2024 balance mainly includes loss on disposal of Africa subsidiaries $217 million <span class=\"_ _7\"></span>($172 million: SCB Zimbabwe Limited, $26 million: SCB <span class=\"_ _7\"></span>Angola S.A. and $19 million: </span>SCB Sierra Leone Limited) of which $246 million <span class=\"_ _7\"></span>relates to realisation of translation adjustment loss, partly <span class=\"_ _7\"></span>offset by gain of $17 million from disposal <span class=\"_ _7\"></span>of Venture entities (Shoal limited and Autumn life Pte. Ltd). <span class=\"_ _7\"></span>Total cash consideration received was $74 million ($24 <span class=\"_ _7\"></span>million: SCB Zimbabwe Limited, $10 million: SCB Angola <span class=\"_ _7\"></span>S.A., $17 million: SCB Sierra Leone Limited, $17 million: <span class=\"_ _7\"></span>Shoal Limited and $6 million: Autumn life Pte. <span class=\"_ _7\"></span>Ltd).<span class=\"_ _3eb\"> </span>3 <span class=\"_ _f\"> </span><span class=\"ff4\">2025 balance includes $133 million gain on disposal of property, plant and equipment, <span class=\"_ _7\"></span>IAS 29 adjustment Ghana hyperinflationary impact ($8 million) <span class=\"_ _7\"></span>and </span>immaterial balances across other geographies. 2024 <span class=\"_ _7\"></span>balance includes IAS 29 adjustment Ghana <span class=\"_ _7\"></span>hyperinflationary impact ($139 million), Research <span class=\"_ _7\"></span>and development expenditure credit ($32 million), Rebates/incentives received from VISA <span class=\"_ _7\"></span>card ($25 million), Gain on disposal of property, <span class=\"_ _7\"></span>plant and equipment ($23 million), Mark-to-market gains from deferred compensation income ($17 million), <span class=\"_ _7\"></span>and immaterial balances across other geographies.<span class=\"_ _3eb\"> </span>On 26 June 2025, the Group <span class=\"_ _7\"></span>disposed of its entire interest in Standard <span class=\"_ _7\"></span>Chartered Research and Technology India Private <span class=\"_ _7\"></span>Limited (SCRTIPL), a subsidiary, as part of <span class=\"_ _7\"></span>a combined share swap and primary investment <span class=\"_ _7\"></span>transaction (the Solv India transaction or <span class=\"_ _7\"></span>the transaction). The transaction has resulted in <span class=\"_ _7\"></span>the Group recognising Jumbotail Technologies Private Limited <span class=\"_ _7\"></span>as an associate. The carrying amount of the net <span class=\"_ _7\"></span>assets of SCRTIPL at the <span class=\"_ _7\"></span>date of the Solv India <span class=\"_ _7\"></span>transaction was $16 million. The <span class=\"_ _7\"></span>Group recognised a gain on the transaction of <span class=\"_ _7\"></span>$238 million. The consideration received in the <span class=\"_ _7\"></span>combined share swap was $344 million, <span class=\"_ _7\"></span>including a<span class=\"_ gs36\"> </span>primary cash investment of $80 million. <span class=\"_ _7\"></span>Disposal costs were approximately $9 million. The gain on disposal arose because <span class=\"_ _7\"></span>the carrying value of the subsidiary\u2019s net <span class=\"_ _7\"></span>assets was exceeded by the consideration received. No impairment of OCI balances <span class=\"_ _7\"></span>was required. The disposal has resulted in <span class=\"_ _7\"></span>the recycling of $3 million of <span class=\"_ _7\"></span>Currency Translation Adjustments to profit and loss. The Group elected to apply the <span class=\"_ _7\"></span>12-month measurement exemption to finalise the purchase <span class=\"_ _7\"></span>price allocation. The allocation is<span class=\"_ gs36\"> </span>incomplete at 31 December 2025 as <span class=\"_ _7\"></span>additional analysis is required to finalise the <span class=\"_ _7\"></span>nature and value of intangible assets.",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfRevenueExplanatory",
    "language": "en",
    "entity": "scheme:U4LOSYZ7YG4W3S5F2G91",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-625": {
   "value": "2. Segmental information<span class=\"_ _3eb\"> </span>Basis of preparation<span class=\"_ _3eb\"> </span>Underlying segment and market performance is <span class=\"_ _7\"></span>based on arms-length transfer pricing and reflects <span class=\"_ _7\"></span>the underlying profitability including related capital and infrastructure costs. <span class=\"_ _7\"></span>Income attribution to segment and markets is <span class=\"_ _7\"></span>based on their contribution to<span class=\"_ gs36\"> </span>the revenue generated across the network, <span class=\"_ _7\"></span>considering factors such as booking location, trader <span class=\"_ _7\"></span>and sales effort. Treasury outcomes such as MREL, FTP, Structural <span class=\"_ _7\"></span>Hedges and Liquidity Pool which segments can <span class=\"_ _7\"></span>directly benefit, influence, and optimise are allocated to individual business segments. <span class=\"_ _7\"></span>The analysis reflects how the client segments <span class=\"_ _7\"></span>and markets are managed internally to drive better decision-making, resource <span class=\"_ _7\"></span>allocation and return outcomes.<span class=\"_ _3eb\"> </span>Disclosures have been re-presented as explained <span class=\"_ _7\"></span>in Note 1 \u2018Re-presentation of segmental information\u2019. <span class=\"_ _7\"></span>The effect of the change has impacted the classification of cost <span class=\"_ _7\"></span>and income across client segments.<span class=\"_ _3eb\"> </span>Client segments<span class=\"_ _3eb\"> </span>The Group\u2019s segmental reporting is in <span class=\"_ _7\"></span>accordance with IFRS 8 Operating Segments and <span class=\"_ _7\"></span>is reported consistently with the internal performance framework and as presented to <span class=\"_ _7\"></span>the Group\u2019s Management Team. Restructuring and other items excluded from underlying results<span class=\"_ _3eb\"> </span>The Group\u2019s reported IFRS performance is <span class=\"_ _7\"></span>adjusted for certain items to arrive at <span class=\"_ _7\"></span>alternative performance measures. These<span class=\"_ gs36\"> </span>items<span class=\"_ gs36\"> </span>include profits or losses of a <span class=\"_ _7\"></span>capital nature, amounts consequent to investment transactions <span class=\"_ _7\"></span>driven by strategic intent, other infrequent and/or exceptional transactions <span class=\"_ _7\"></span>that are significant or material in the <span class=\"_ _7\"></span>context of the Group\u2019s normal business earnings for the period and <span class=\"_ _7\"></span>items which management and investors would ordinarily <span class=\"_ _7\"></span>identify separately when assessing consistent performance period by period. <span class=\"_ _7\"></span>The alternative performance measures are not within <span class=\"_ _7\"></span>the scope of IFRS and<span class=\"_ gs36\"> </span>not a substitute for IFRS measures. <span class=\"_ _7\"></span>These adjustments are set out below.<span class=\"_ _3eb\"> </span>Restructuring and other items loss of <span class=\"_ _7\"></span>$937 million primarily relate to the exits <span class=\"_ _7\"></span>in AME, Debit Valuation Adjustment (DVA), <span class=\"_ _7\"></span>and reflect<span class=\"_ gs36\"> </span>the impact of actions to transform <span class=\"_ _7\"></span>the organisation to improve productivity, primarily additional <span class=\"_ _7\"></span>redundancy charges, simplifying technology platforms and optimising the <span class=\"_ _7\"></span>Group\u2019s office space and property footprint, Fit <span class=\"_ _7\"></span>For Growth costs that are primarily severance costs, costs of staff <span class=\"_ _7\"></span>working on FFG initiatives, legal and professional <span class=\"_ _7\"></span>fees and an additional provision with respect to a proposed penalty amount <span class=\"_ _7\"></span>with regards to the Korea equity-linked securities <span class=\"_ _7\"></span>(ELS) matter and the settlement of<span class=\"_ gs36\"> </span>a<span class=\"_ gs36\"> </span>litigation matter.<span class=\"_ _3eb\"> </span>Reconciliations between underlying and reported results <span class=\"_ _7\"></span>are set out in the tables below:<span class=\"_ _3eb\"> </span><table class=\"s w24e h21a\" id=\"_ed66b869-90be-4b5d-affb-5da56234a39e\"><tr><td></td><td></td><td></td><td></td><td class=\"t m0 x4ad h14f y65f8 ff5 fs64 fc0 sc0 ls50 ws5b\">2025<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td class=\"t m0 x4ae h38 y65f9 ff5 fs17 fc0 sc0 ls21 ws20\">Net loss on </td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td class=\"t m0 x4af h38 y65fa ff2 fs17 fc0 sc0 ls21 ws20\">businesses </td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td class=\"t m0 x4b0 h38 y65fb ff5 fs17 fc0 sc0 ls21 ws20\">disposed of/<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x4b1 h38 y65fb ff5 fs17 fc0 sc0 ls21 ws20\">Other<span class=\"_ _3eb\"> </span></td><td></td></tr><tr><td></td><td class=\"t m0 x4b2 h38 y65fc ff5 fs17 fc0 sc0 ls21 ws20\">Underlying<span class=\"_ _3eb\"> </span></td><td class=\"c x4b4 y65fe w24f h21b\"><div class=\"t m0 x1ed h38 y6563 ff2 fs17 fc0 sc0 ls21 ws20\">Restructuring</div><div class=\"t m0 x4b3 ha7 y65fd ff5 fs19 fc0 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c x3ac y65fe w250 h21b\"><div class=\"t m0 x1ed h38 y6563 ff5 fs17 fc0 sc0 ls21 ws20\">FFG</div><div class=\"t m0 x4b5 ha7 y65fd ff5 fs19 fc0 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x4b6 h38 y65fc ff5 fs17 fc0 sc0 ls21 ws20\">DVA<span class=\"_ _3eb\"> </span></td><td class=\"c x4b8 y65fe w251 h21b\"><div class=\"t m0 x1ed h38 y6563 ff5 fs17 fc0 sc0 ls21 ws20\">held for sale</div><div class=\"t m0 x4b7 ha7 y65fd ff5 fs19 fc0 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td><td class=\"c x4ba y65fe w252 h21b\"><div class=\"t m0 x1ed h38 y6563 ff5 fs17 fc0 sc0 ls21 ws20\">items</div><div class=\"t m0 x4b9 ha7 y65fd ff5 fs19 fc0 sc0 ls40 ws44\">3,4,5</div></td><td class=\"t m0 x4bb h38 y65fc ff5 fs17 fc0 sc0 ls21 ws20\">Reported<span class=\"_ _3eb\"> </span></td></tr><tr><td></td><td class=\"t m0 x4bc h38 y65ff ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x4bd h38 y65ff ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x4be h38 y65ff ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x4bf h38 y65ff ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x4c0 h38 y65ff ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x4c1 h38 y65ff ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x4c2 h38 y65ff ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c x1ee y6602 w253 h21c\"><div class=\"t m0 x1ed h3b y6600 ff1 fs5 fc3 sc0 ls5 ws0\">Operating income</div><div class=\"t m0 x4c3 h3c y6601 ff1 fs1b fc3 sc0 ls0 ws0\">4<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x4c4 y6603 w254 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">20,894<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x4c5 y6603 w255 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(24)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x4c6 y6603 w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x4c7 y6603 w256 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(31)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x4c8 y6603 w257 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(10)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x4c9 y6603 w258 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">113<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x4ca y6603 w48 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">20,942<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y6604 w259 h21c\"><div class=\"t m0 x1ed h3b y6600 ff1 fs5 fc3 sc0 ls5 ws0\">Operating expenses</div><div class=\"t m0 x4cb h3c y6601 ff1 fs1b fc3 sc0 ls0 ws0\">5<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x4cc y6605 w25a h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(12,347)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x4cd y6605 w25b h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(289)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x4ce y6605 w25c h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(510)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x4cf y6605 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x4d0 y6605 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x4d1 y6605 w25d h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(158)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x4d2 y6605 w58 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(13,304)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x235 h1a y6606 ff4 fs5 fc3 sc0 ls5 ws5\">Operating profit/(loss) before impairment losses </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y6607 w25e h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">and<span class=\"_ gs1a1\"> </span>taxation<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x4d3 y6607 w25f h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">8,547<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x4d4 y6607 w260 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(313)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x4d5 y6607 w25c h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(510)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x4d6 y6607 w256 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(31)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x4d7 y6607 w257 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(10)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x4d8 y6607 w261 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(45)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x4d9 y6607 w5b h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">7,638<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6608 w5d h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">Credit impairment<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x4da y6608 w262 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(676)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x4db y6608 w263 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">4<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x4dc y6608 w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x4dd y6608 w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x4de y6608 w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x4df y6608 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x4e0 y6608 w5f h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(672)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6609 w264 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">Other impairment<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x4e1 y6609 w255 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(42)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x4e2 y6609 w265 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(2)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x4e3 y6609 w266 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(21)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x4e4 y6609 w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x4e5 y6609 w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x4e6 y6609 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x4e7 y6609 w62 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(65)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y660a w267 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">Profit from associates and<span class=\"_ gs1a1\"> </span>joint<span class=\"_ gs1a1\"> </span>ventures<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x4e8 y660a w268 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">71<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x4e9 y660a w269 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(9)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x4ea y660a w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x4eb y660a w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x4ec y660a w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x4ed y660a w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x4ee y660a w66 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">62<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y660b w26a h203\"><div class=\"t m0 x1ed h3d y655f ff5 fs5 fc3 sc0 ls5 ws5\">Profit/(loss) before taxation<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x4ef y660b w26b h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">7,900<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x4f0 y660b w1e2 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(320)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x4f1 y660b w26c h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(531)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x4f2 y660b w95 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(31)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x4f3 y660b w257 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(10)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x4f4 y660b w261 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(45)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x4f5 y660b w69 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">6,963<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"t m0 x4ad h151 y660c ff1 fs64 fc3 sc0 ls50 ws5b\">2024<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y65f3 w26d h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Operating income<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x4f6 y65f3 w26e h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">19,696<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x4f7 y65f3 w26f h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">103<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x4f8 y65f3 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x4f9 y65f3 w270 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(24)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x4fa y65f3 wde h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(232)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x4fb y65f3 w1cf h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x4fc y65f3 w271 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">19,543<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y65f4 w272 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Operating expenses<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x4fd y65f4 w273 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(11,790)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x4fe y65f4 w1e3 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(456)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x4ff y65f4 w212 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(156)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x500 y65f4 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x501 y65f4 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c x503 y65f4 w274 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(100)</div><div class=\"t m0 x502 h3c y660d ff1 fs1b fc3 sc0 ls0 ws0\">3</div></td><td class=\"t m0 x504 h1a y660e ff4 fs5 fc3 sc0 ls5 ws5\">(12,502)<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"t m0 x235 h1a y660f ff4 fs5 fc3 sc0 ls5 ws5\">Operating profit/(loss) before impairment losses </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y6562 w25e h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">and<span class=\"_ gs1a1\"> </span>taxation<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x505 y6562 w275 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">7,906<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x506 y6562 w276 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(353)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x507 y6562 w212 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(156)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x508 y6562 w277 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(24)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x509 y6562 w278 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(232)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x50a y6562 w279 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(100)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x50b y6562 w5c h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">7,041<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6610 w5d h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Credit impairment<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x50c y6610 w27a h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(557)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x50d y6610 w1d1 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">10<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x50e y6610 w1cf h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x50f y6610 w1cf h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x510 y6610 w1cf h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x511 y6610 w1cf h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x512 y6610 w60 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(547)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6577 w264 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Other impairment<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x513 y6577 w63 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(588)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x514 y6577 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x515 y6577 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x516 y6577 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x517 y6577 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x518 y6577 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x519 y6577 w63 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(588)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6566 w267 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Profit from associates and<span class=\"_ gs1a1\"> </span>joint<span class=\"_ gs1a1\"> </span>ventures<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x51a y6566 w27b h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">50<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x51b y6566 w27c h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">58<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x51c y6566 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x51d y6566 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x51e y6566 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x51f y6566 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x520 y6566 w67 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">108<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6567 w26a h203\"><div class=\"t m0 x1ed h1a y65de ff5 fs5 fc3 sc0 ls5 ws5\">Profit/(loss) before taxation<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x521 y6567 w27d h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">6,811<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x4fe y6567 w27e h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(285)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x522 y6567 w211 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(156)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x523 y6567 w270 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(24)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x524 y6567 wde h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(232)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x525 y6567 w27f h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(100)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x526 y6567 w1bb h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">6,014<span class=\"_ _3eb\"> </span></div></td></tr></table>1 <span class=\"_ _b\"> </span><span class=\"ff4\">FFG (Fit for Growth) charge previously reported within Restructuring has been re-presented as <span class=\"_ _7\"></span>a separate item.<span class=\"_ _3eb\"> </span></span>2 <span class=\"_ _f\"> </span><span class=\"ff4\">Net loss on businesses disposed of/held for sale 2025 include Cameroon and <span class=\"_ _7\"></span>Gambia loss on business disposal $5 million each, <span class=\"_ _7\"></span>2024 include $172 million primarily </span>relating to recycling of FX translation losses from <span class=\"_ _7\"></span>reserves into P&amp;L on the sale of Zimbabwe, <span class=\"_ _7\"></span>$26 million loss on sale of Angola, $19 <span class=\"_ _7\"></span>million loss on Sierra Leone and<span class=\"_ gs1a2\"> </span>$15 million loss on the Aviation business disposal.<span class=\"_ _3eb\"> </span>3 <span class=\"_ _f\"> </span><span class=\"ff4\">Other items 2024 include $100 million charge relating to Korea equity-linked securities (ELS) <span class=\"_ _7\"></span>portfolio.<span class=\"_ _3eb\"> </span></span>4 <span class=\"_ _e\"> </span><span class=\"ff4\">Other items 2025 operating income include gain on sale of office space.<span class=\"_ _3eb\"> </span></span>5 <span class=\"_ _f\"> </span><span class=\"ff4\">Other items 2025 operating expenses include a provision relating to <span class=\"_ _7\"></span>the Korea equity-linked securities and the settlement of <span class=\"_ _7\"></span>a litigation matter<span class=\"_ _3eb\"> </span></span><span class=\"ff4\">.<span class=\"_ _3eb\"> </span></span><div class=\"t m0 hc ff6 fs8 fc2 sc0 ls8 ws0 gs1a4\">Underlying performance by client segment<span class=\"_ _3eb\"> </span></div><div class=\"gs1a5\"><table class=\"s w280 h21d\" id=\"_7ce97567-1517-418f-a1ad-e682f2726b40\"><tr><td></td><td></td><td></td><td class=\"c n x527 y6612 w281 h21e\"><div class=\"t m0 x1ed h14f y6611 ff5 fs64 fc0 sc0 ls50 ws5b\">2025<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td></td><td></td><td class=\"c x529 y6612 w282 h209\"><div class=\"t m0 x1ed h14f y6611 ff1 fs64 fc3 sc0 ls50 ws5b\">2024</div><div class=\"t m0 x528 h152 y6613 ff1 fs65 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td></td><td></td></tr><tr><td></td><td class=\"t m0 x52a h14f y6614 ff5 fs64 fc0 sc0 ls50 ws5b\">Corporate &amp; </td><td class=\"t m0 x52b h14f y6614 ff5 fs64 fc0 sc0 ls50 ws5b\">Wealth &amp; </td><td></td><td></td><td></td><td class=\"t m0 x52c h151 y6614 ff1 fs64 fc3 sc0 ls50 ws0\">Corporate &amp; </td><td class=\"t m0 x52d h151 y6614 ff1 fs64 fc3 sc0 ls50 ws0\">Wealth &amp; </td><td></td><td></td><td></td></tr><tr><td></td><td class=\"t m0 x52e h14f y6615 ff5 fs64 fc0 sc0 ls50 ws5b\">Investment </td><td class=\"t m0 x52f h14f y6615 ff5 fs64 fc0 sc0 ls50 ws5b\">Retail </td><td></td><td class=\"t m0 x530 h14f y6615 ff5 fs64 fc0 sc0 ls50 ws5b\">Central &amp; </td><td></td><td class=\"t m0 x531 h151 y6615 ff1 fs64 fc3 sc0 ls50 ws5b\">Investment </td><td class=\"t m0 x532 h151 y6615 ff1 fs64 fc3 sc0 ls50 ws5b\">Retail </td><td></td><td class=\"t m0 x533 h151 y6615 ff1 fs64 fc3 sc0 ls50 ws0\">Central &amp; </td><td></td></tr><tr><td></td><td class=\"t m0 x534 h14f y6616 ff2 fs64 fc0 sc0 ls50 ws5b\">Banking </td><td class=\"t m0 x535 h14f y6616 ff2 fs64 fc0 sc0 ls50 ws5b\">Banking </td><td class=\"t m0 x536 h14f y6616 ff2 fs64 fc0 sc0 ls50 ws5b\">Ventures<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x537 h14f y6616 ff5 fs64 fc0 sc0 ls50 ws5b\">other items </td><td class=\"t m0 x538 h14f y6616 ff5 fs64 fc0 sc0 ls50 ws5b\">Total<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x539 h151 y6616 ff1 fs64 fc3 sc0 ls50 ws5b\">Banking </td><td class=\"t m0 x53a h151 y6616 ff1 fs64 fc3 sc0 ls50 ws5b\">Banking<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x53b h151 y6616 ff1 fs64 fc3 sc0 ls50 ws5b\">Ventures<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x53c h151 y6616 ff1 fs64 fc3 sc0 ls50 ws0\">other items<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x53d h151 y6616 ff1 fs64 fc3 sc0 ls50 ws5b\">Total<span class=\"_ _3eb\"> </span></td></tr><tr><td></td><td class=\"t m0 x53e h14f y6617 ff5 fs64 fc0 sc0 ls50 ws5b\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x53f h14f y6617 ff5 fs64 fc0 sc0 ls50 ws5b\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x540 h14f y6617 ff5 fs64 fc0 sc0 ls50 ws5b\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x541 h14f y6617 ff5 fs64 fc0 sc0 ls50 ws5b\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x542 h14f y6617 ff5 fs64 fc0 sc0 ls50 ws5b\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x543 h153 y6617 ff4 fs64 fc3 sc0 ls50 ws5b\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x544 h153 y6617 ff4 fs64 fc3 sc0 ls50 ws5b\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x545 h153 y6617 ff4 fs64 fc3 sc0 ls50 ws5b\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x546 h153 y6617 ff4 fs64 fc3 sc0 ls50 ws5b\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x547 h153 y6617 ff4 fs64 fc3 sc0 ls50 ws5b\">$million<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c n x1ee y6618 w47 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff5 fs5 fc3 sc0 ls5 ws5\">Operating income<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x548 y6618 w283 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">12,394<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x549 y6618 w284 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">8,464<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x54a y6618 wea h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">415<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x54b y6618 w285 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(379)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x54c y6618 w286 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">20,894<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x54d y6618 w287 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">11,935<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x54e y6618 w209 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">8,021<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x54f y6618 w288 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">183<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x550 y6618 w289 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(443)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x26b y6618 w28a h1ff\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">19,696<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x40b y6619 w28b h1fe\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">External<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x551 y6619 w28c h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">11,718<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x552 y6619 w28d h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">3,619<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x553 y6619 w28e h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">416<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x554 y6619 w28f h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">5,141<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x555 y6619 w254 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">20,894<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x556 y6619 w290 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">10,480<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x557 y6619 w291 h1fe\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">3,533<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x558 y6619 w292 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">184<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x559 y6619 w293 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">5,499<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x55a y6619 w294 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">19,696<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x40b y661a w295 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">Inter-segment<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x55b y661a w296 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">676<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x55c y661a w297 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">4,845<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x55d y661a w298 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(1)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x55e y661a w299 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(5,520)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x55f y661a w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x560 y661a w29a h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">1,455<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x561 y661a w29b h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">4,488<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x562 y661a wac h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(1)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x563 y661a w29c h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(5,942)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x564 y661a w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y661b w56 h201\"><div class=\"t m0 x1ed h3d y6548 ff5 fs5 fc3 sc0 ls5 ws5\">Operating expenses<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x565 y661b w29d h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(6,509)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x566 y661b w29e h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(4,982)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x567 y661b w29f h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(461)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x568 y661b w2a0 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(395)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x569 y661b w2a1 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(12,347)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x56a y661b w2a2 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(6,334)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x56b y661b w2a3 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(4,749)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x56c y661b w2a4 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(460)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x56d y661b w129 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(247)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x56e y661b w273 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(11,790)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y661c w2a5 h21f\"><div class=\"t m0 x1ed h8 y65db ff5 fs5 fc3 sc0 ls5 ws5\">Operating profit/(loss) before<span class=\"_ _3eb\"> </span></div><div class=\"t m0 x1ed h3d y6548 ff5 fs5 fc3 sc0 ls5 ws5\">impairment losses and taxation<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x56f y661c w2a6 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">5,885<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x570 y661c w184 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">3,482<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x571 y661c w2a7 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(46)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x572 y661c w2a8 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(774)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x573 y661c w25f h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">8,547<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x574 y661c w2a9 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">5,601<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x575 y661c w2aa h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">3,272<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x576 y661c w2ab h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(277)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x577 y661c w2ac h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(690)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x578 y661c w2ad h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">7,906<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y661d w5d h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">Credit impairment<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x579 y661d w2ae h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(4)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x57a y661d w2af h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(595)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x57b y661d w62 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(59)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x57c y661d w2b0 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(18)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x57d y661d w262 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(676)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x57e y661d w2b1 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">120<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x57f y661d w2b2 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(623)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x580 y661d w2b3 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(73)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x581 y661d w2b4 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">19<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x582 y661d w2b5 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(557)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y661e w264 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">Other impairment<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x583 y661e w269 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(6)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x584 y661e w2ae h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(4)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x585 y661e w2b6 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(23)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x586 y661e w269 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(9)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x587 y661e w255 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(42)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x588 y661e w2b7 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(290)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x589 y661e w2b8 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(112)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x58a y661e w2b9 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(18)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x58b y661e w2ba h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(168)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x58c y661e w63 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(588)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y661f w2bb h219\"><div class=\"t m0 x1ed h3b y65db ff1 fs5 fc3 sc0 ls5 ws0\">Profit from associates and<span class=\"_ _3eb\"> </span></div><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">joint<span class=\"_ gs1a1\"> </span>ventures<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x58d y661f w2bc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x58e y661f w2bc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x58f y661f w2bd h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(39)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x590 y661f w2be h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">110<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x591 y661f w268 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">71<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x592 y661f w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x593 y661f w1cf h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x594 y661f w2bf h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(17)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x595 y661f w2c0 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">67<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x596 y661f w2c1 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">50<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x221 h8 y6620 ff5 fs5 fc3 sc0 ls5 ws5\">Underlying profit/(loss) </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y6621 w2c2 h201\"><div class=\"t m0 x1ed h3d y6548 ff5 fs5 fc3 sc0 ls5 ws5\">before<span class=\"_ gs1a6\"> </span>taxation<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x597 y6621 w2c3 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">5,875<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x598 y6621 w2c4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">2,883<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x599 y6621 w2c5 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(167)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x59a y6621 w2c6 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(691)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x59b y6621 w26b h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">7,900<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x59c y6621 w2c7 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">5,431<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x59d y6621 w26c h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">2,537<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x59e y6621 w2c8 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(385)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x59f y6621 w2c9 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(772)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x5a0 y6621 w27d h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">6,811<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y6622 w2ca h220\"><div class=\"t m0 x1ed h3b y6600 ff1 fs5 fc3 sc0 ls5 ws0\">Restructuring &amp; Other items</div><div class=\"t m0 x5a1 h3c y6601 ff1 fs1b fc3 sc0 ls2a ws29\">2,5<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x5a2 y6623 w2cb h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(525)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x5a3 y6623 w234 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(456)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x5a4 y6623 w2ae h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(4)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x5a5 y6623 w1f6 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">48<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x5a6 y6623 w2cc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(937)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x5a7 y6623 w2cd h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(234)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x5a8 y6623 w2ce h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(315)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x5a9 y6623 w2cf h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(3)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x5aa y6623 w25c h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(245)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x5ab y6623 w2d0 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(797)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x221 h8 y6624 ff5 fs5 fc3 sc0 ls5 ws5\">Reported profit/(loss) </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y6625 w2c2 h201\"><div class=\"t m0 x1ed h3d y6548 ff5 fs5 fc3 sc0 ls5 ws5\">before<span class=\"_ gs1a6\"> </span>taxation<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x5ac y6625 w2d1 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">5,350<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x5ad y6625 w2c4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">2,427<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x5ae y6625 w2d2 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(171)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x5af y6625 w184 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(643)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x5b0 y6625 w69 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">6,963<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x5b1 y6625 we1 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">5,197<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x5b2 y6625 w2d3 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">2,222<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x5b3 y6625 w2d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(388)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x5b4 y6625 w2d5 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(1,017)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x5b5 y6625 w1bb h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">6,014<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6626 w2d6 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Total assets<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x5b6 y6626 w2d7 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">516,923<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x5b7 y6626 w2d8 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">130,489<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x5b8 y6626 w2d9 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">8,335<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x5b9 y6626 w2da h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">264,208<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x5ba y6626 wf0 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">919,955<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x5bb y6626 w2db h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">485,680<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x5bc y6626 w2c h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">122,357<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x5bd y6626 w2dc h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">6,259<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x5be y6626 w2dd h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">235,392<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x5bf y6626 wf1 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">849,688<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x40a h1a y6627 ff4 fs5 fc3 sc0 ls5 ws5\">Of which: loans and advances </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x40b y6628 w2de h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">to customers<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x5c0 y6628 w2df h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">205,493<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x5c1 y6628 w2e0 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">126,980<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x5c2 y6628 w2e1 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">2,660<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x5c3 y6628 w2e2 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">14,453<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x5c4 y6628 w2e3 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">349,586<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x5c5 y6628 w2e4 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">197,582<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x5c6 y6628 w2e5 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">119,263<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x5c7 y6628 w2e6 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">1,388<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x5c8 y6628 w2e7 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">21,324<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x5c9 y6628 w2dd h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">339,557<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x5ca h3b y6629 ff1 fs5 fc3 sc0 ls5 ws0\">Loans and advances </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x5cb y662a w2de h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">to<span class=\"_ gs1a1\"> </span>customers<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x5cc y662a w2e8 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">142,698<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x5cd y662a w2e9 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">126,978<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x5ce y662a w2ea h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">2,659<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x5cf y662a w2e2 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">14,453<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x5d0 y662a wcc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">286,788<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x5d1 y662a w2eb h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">139,063<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x5d2 y662a w2ec h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">119,257<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x5d3 y662a w2e6 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">1,388<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x5d4 y662a w2ed h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">21,324<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x5d5 y662a wcd h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">281,032<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x5cb y6577 w2ee h221\"><div class=\"t m0 x1ed h3b y65dd ff1 fs5 fc3 sc0 ls5 ws0\">Loans held at fair value<span class=\"_ _3eb\"> </span></div><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">through profit or loss (FVTPL)</div><div class=\"t m0 x5d6 h3c y65df ff1 fs1b fc3 sc0 ls0 ws0\">3<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x5d7 y662b w2ef h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">62,795<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x5d8 y662b w2f0 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x5d9 y662b w2f1 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x5da y662b w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x5db y662b w2f2 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">62,798<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x5dc y662b w2f3 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">58,519<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x5dd y662b w44 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">6<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x5de y662b w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x5df y662b w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x5e0 y662b w2f4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">58,525<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y662c w2f5 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">Total liabilities<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x5e1 y662c w2f6 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">491,976<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x5e2 y662c w2f7 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">256,332<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x5e3 y662c w2f8 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">6,276<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x5e4 y662c w2f9 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">110,785<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x5e5 y662c w121 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">865,369<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x5e6 y662c w2fa h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">477,385<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x5e7 y662c w2fb h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">220,416<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x5e8 y662c w2fc h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">5,277<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x5e9 y662c w2fd h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">95,326<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x5ea y662c w122 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">798,404<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x40b y6567 w2fe h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Of which: customer accounts</div><div class=\"t m0 x5eb h3c y65df ff1 fs1b fc3 sc0 ls0 ws0\">4<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x5ec y662d w2ff h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">319,670<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x5ed y662d w1fe h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">252,033<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x5ee y662d w300 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">5,773<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x5ef y662d w301 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">7,698<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x5f0 y662d w302 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">585,174<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x5f1 y662d w303 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">297,690<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x5f2 y662d w304 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">216,662<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x5f3 y662d wed h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">5,028<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x5f4 y662d w218 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">3,883<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x5f5 y662d w2dd h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">523,263<span class=\"_ _3eb\"> </span></div></td></tr></table></div><div class=\"t m0 hb ff1 fs7 fc3 sc0 ls7 ws7 gs1a7\">1 <span class=\"_ _b\"> </span><span class=\"ff4\">Segment results have been re-presented in line with the RNS on Re-Presentation of <span class=\"_ _7\"></span>Financial Information issued on 2 April 2025.<span class=\"_ _3eb\"> </span></span></div><div class=\"t m0 hb ff1 fs7 fc3 sc0 ls7 ws7 gs1a8\">2 <span class=\"_ _f\"> </span><span class=\"ff4\">Other items 2025 include gains on sale of office space and include <span class=\"_ _7\"></span>a provision relating to the Korea equity-linked securities <span class=\"_ _7\"></span>and the settlement of a litigation matter. </span></div><div class=\"t m0 hb ff4 fs7 fc3 sc0 ls7 ws7 gs1a9\">Other items 2024 include $100 million charge relating <span class=\"_ _7\"></span>to Korea equity-linked securities (ELS) portfolio, $172 million <span class=\"_ _7\"></span>primarily relating to recycling of FX translation </div><div class=\"t m0 hb ff4 fs7 fc3 sc0 ls7 ws7 gs1aa\">losses from reserves into P&amp;L on the sale <span class=\"_ _7\"></span>of Zimbabwe, $26 million loss on sale of <span class=\"_ _7\"></span>Angola, $19 million loss on Sierra Leone and <span class=\"_ _7\"></span>$15 million loss on the Aviation business </div><div class=\"t m0 hb ff4 fs7 fc3 sc0 ls7 ws7 gs1ab\">disposal. Refer to the Restructuring, FFG (Fit for <span class=\"_ _7\"></span>Growth), DVA and Other items table on page <span class=\"_ _7\"></span>58.<span class=\"_ _3eb\"> </span></div><div class=\"t m0 hb ff1 fs7 fc3 sc0 ls7 ws7 gs1ac\">3 <span class=\"_ _f\"> </span><span class=\"ff4\">Loans held at FVTPL includes $50,443 million (2024: $51,441 million) of reverse repurchase <span class=\"_ _7\"></span>agreements.<span class=\"_ _3eb\"> </span></span></div><div class=\"t m0 hb ff1 fs7 fc3 sc0 ls7 ws7 gs1ad\">4 <span class=\"_ _e\"> </span><span class=\"ff4\">Customer accounts includes $19,414 million (2024: $21,772 million) of FVTPL and $35,599 <span class=\"_ _7\"></span>million (2024: $37,002 million) of repurchase agreements.<span class=\"_ _3eb\"> </span></span></div><div class=\"t m0 hb ff1 fs7 fc3 sc0 ls7 ws7 gs1ae\">5 <span class=\"_ _f\"> </span><span class=\"ff4\">Restructuring, FFG (Fit for Growth), DVA, Other items have been <span class=\"_ _7\"></span>combined and are now disclosed as one line <span class=\"_ _7\"></span>item i.e. \u2018Restructuring and Other items\u2019.<span class=\"_ _3eb\"> </span></span></div><div class=\"t m0 hc ff6 fs8 fc2 sc0 ls8 ws0 gs1af\">Operating income by client segment<span class=\"_ _3eb\"> </span></div><div class=\"gs1b0\"><table class=\"s w305 h222\" id=\"_94d4bce4-6348-4fb8-a4fe-662a8d5e392f\"><tr><td></td><td></td><td></td><td class=\"c n x5f6 y662e w306 h204\"><div class=\"t m0 x1ed h38 y6563 ff5 fs17 fc0 sc0 ls21 ws20\">2025<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td></td><td></td><td class=\"c n x5f7 y662e w307 h205\"><div class=\"t m0 x1ed h38 y6563 ff1 fs17 fc3 sc0 ls21 ws20\">2024<span class=\"_ _3eb\"> </span></div></td><td></td><td></td></tr><tr><td></td><td class=\"t m0 x5f8 h38 y662f ff5 fs17 fc0 sc0 ls21 ws20\">Corporate &amp; </td><td class=\"t m0 x5f9 h38 y662f ff5 fs17 fc0 sc0 ls21 ws20\">Wealth &amp; </td><td></td><td></td><td></td><td class=\"t m0 x5fa h39 y662f ff1 fs17 fc3 sc0 ls21 ws0\">Corporate &amp; </td><td class=\"t m0 x5fb h39 y662f ff1 fs17 fc3 sc0 ls21 ws0\">Wealth &amp; </td><td></td><td></td><td></td></tr><tr><td></td><td class=\"t m0 x5fc h38 y6630 ff5 fs17 fc0 sc0 ls21 ws20\">Investment </td><td class=\"t m0 x53f h38 y6630 ff5 fs17 fc0 sc0 ls21 ws20\">Retail </td><td></td><td class=\"t m0 x5fd h38 y6630 ff5 fs17 fc0 sc0 ls21 ws20\">Central &amp; </td><td></td><td class=\"t m0 x5fe h39 y6630 ff1 fs17 fc3 sc0 ls21 ws20\">Investment<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x400 h39 y6630 ff1 fs17 fc3 sc0 ls21 ws20\">Retail<span class=\"_ _3eb\"> </span></td><td></td><td class=\"t m0 x53c h39 y6630 ff1 fs17 fc3 sc0 ls21 ws0\">Central &amp;<span class=\"_ _3eb\"> </span></td><td></td></tr><tr><td></td><td class=\"t m0 x52e h38 y6631 ff2 fs17 fc0 sc0 ls21 ws20\">Banking </td><td class=\"t m0 x5ff h38 y6631 ff2 fs17 fc0 sc0 ls21 ws20\">Banking </td><td class=\"t m0 x600 h38 y6631 ff2 fs17 fc0 sc0 ls21 ws20\">Ventures<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x601 h38 y6631 ff5 fs17 fc0 sc0 ls21 ws20\">other items </td><td class=\"t m0 x602 h38 y6631 ff5 fs17 fc0 sc0 ls21 ws20\">Total<span class=\"_ _3eb\"> </span></td><td class=\"c x604 y6634 w308 h223\"><div class=\"t m0 x1ed h39 y6632 ff1 fs17 fc3 sc0 ls21 ws20\">Banking</div><div class=\"t m0 x603 h3a y6633 ff1 fs19 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c x606 y6634 w309 h223\"><div class=\"t m0 x1ed h39 y6632 ff1 fs17 fc3 sc0 ls21 ws20\">Banking</div><div class=\"t m0 x605 h3a y6633 ff1 fs19 fc3 sc0 ls0 ws0\">1</div></td><td class=\"t m0 x607 h39 y6631 ff1 fs17 fc3 sc0 ls21 ws20\">Ventures<span class=\"_ _3eb\"> </span></td><td class=\"c x609 y6634 w30a h223\"><div class=\"t m0 x1ed h39 y6632 ff1 fs17 fc3 sc0 ls21 ws0\">other items</div><div class=\"t m0 x608 h3a y6633 ff1 fs19 fc3 sc0 ls0 ws0\">1</div></td><td class=\"t m0 x60a h39 y6631 ff1 fs17 fc3 sc0 ls21 ws20\">Total<span class=\"_ _3eb\"> </span></td></tr><tr><td></td><td class=\"t m0 x60b h38 y6635 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x60c h38 y6635 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x60d h38 y6635 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x60e h38 y6635 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x60f h38 y6635 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x610 h2c y6635 ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x611 h2c y6635 ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x53b h2c y6635 ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x533 h2c y6635 ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1ec h2c y6635 ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"t m0 x221 h8 y6636 ff5 fs5 fc3 sc0 ls5 ws5\">Underlying versus reported:<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y6637 w30b h203\"><div class=\"t m0 x1ed h3d y655f ff5 fs5 fc3 sc0 ls5 ws5\">Underlying operating income<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x612 y6637 w30c h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">12,394<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x613 y6637 w284 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">8,464<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x614 y6637 wea h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">415<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x615 y6637 w285 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(379)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x616 y6637 w254 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">20,894<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x617 y6637 w219 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">11,935<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x618 y6637 w209 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">8,021<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x619 y6637 w288 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">183<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x61a y6637 w289 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(443)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x61b y6637 w294 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">19,696<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6638 w30d h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">Restructuring<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x61c y6638 wad h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(14)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x61d y6638 w2f1 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x61e y6638 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x61f y6638 w8e h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(11)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x620 y6638 w30e h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(24)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x621 y6638 w30f h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">69<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x622 y6638 w65 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">23<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x623 y6638 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x624 y6638 w310 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">11<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x625 y6638 w26f h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">103<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6639 w311 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">DVA<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x626 y6639 w312 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(31)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x627 y6639 w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x628 y6639 w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x629 y6639 w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x62a y6639 w95 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(31)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x62b y6639 w270 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(24)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x62c y6639 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x62d y6639 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x62e y6639 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x62f y6639 w277 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(24)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y663a w313 h21c\"><div class=\"t m0 x1ed h3b y6600 ff1 fs5 fc3 sc0 ls5 ws0\">Other items</div><div class=\"t m0 x630 h3c y6601 ff1 fs1b fc3 sc0 ls2a ws29\">2,3<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x631 y663b w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x632 y663b w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x633 y663b w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x634 y663b w314 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">103<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x635 y663b w314 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">103<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x636 y663b w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x637 y663b w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x638 y663b w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x639 y663b wde h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(232)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x63a y663b wde h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(232)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y663c w315 h203\"><div class=\"t m0 x1ed h3d y655f ff5 fs5 fc3 sc0 ls5 ws5\">Reported operating income<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x63b y663c w30c h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">12,349<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x63c y663c w316 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">8,465<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x63d y663c wea h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">415<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x63e y663c w317 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(287)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x63f y663c w318 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">20,942<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x640 y663c w319 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">11,980<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x641 y663c w31a h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">8,044<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x642 y663c w11f h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">183<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x643 y663c w31b h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(664)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x644 y663c w271 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">19,543<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x221 h8 y663d ff5 fs5 fc3 sc0 ls5 ws5\">Additional segmental income:<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y6610 w31c h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Net interest income<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x645 y6610 w31d h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">1,397<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x646 y6610 w31e h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">5,126<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x647 y6610 w31f h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">115<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x648 y6610 w320 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(683)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x649 y6610 w321 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">5,955<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x64a y6610 w31a h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">2,090<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x64b y6610 w322 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">5,175<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x64c y6610 w323 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">100<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x64d y6610 w10d h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(999)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x64e y6610 w324 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">6,366<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6577 w325 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">Net fees and commission income<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x64f y6577 w1e3 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">2,091<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x650 y6577 w326 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">2,192<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x651 y6577 w327 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">61<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x652 y6577 w62 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(95)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x653 y6577 w328 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">4,249<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x654 y6577 w329 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">1,938<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x655 y6577 w329 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">1,855<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x656 y6577 w92 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">52<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x657 y6577 w32a h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(111)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x658 y6577 w3e h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">3,734<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6566 w32b h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Net trading and other income<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x659 y6566 w32c h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">8,861<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x65a y6566 w32d h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">1,147<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x65b y6566 w32e h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">239<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x65c y6566 w28e h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">491<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x65d y6566 w32f h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">10,738<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x65e y6566 w330 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">7,952<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x65f y6566 w331 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">1,014<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x660 y6566 wc2 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">31<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x661 y6566 w332 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">446<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x662 y6566 wbb h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">9,443<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6567 w315 h203\"><div class=\"t m0 x1ed h3d y655f ff5 fs5 fc3 sc0 ls5 ws5\">Reported operating income<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x63b y6567 w30c h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">12,349<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x63c y6567 w316 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">8,465<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x63d y6567 wea h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">415<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x63e y6567 w317 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(287)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x63f y6567 w318 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">20,942<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x640 y6567 w319 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">11,980<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x641 y6567 w31a h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">8,044<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x642 y6567 w11f h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">183<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x643 y6567 w31b h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(664)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x644 y6567 w271 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">19,543<span class=\"_ _3eb\"> </span></div></td></tr></table></div><div class=\"t m0 hb ff1 fs7 fc3 sc0 ls7 ws7 gs1b1\">1 <span class=\"_ _b\"> </span><span class=\"ff4\">Segment results have been re-presented in line with the RNS on Re-Presentation of <span class=\"_ _7\"></span>Financial Information issued on 2 April 2025.<span class=\"_ _3eb\"> </span></span></div><div class=\"t m0 hb ff1 fs7 fc3 sc0 ls7 ws7 gs1b2\">2 <span class=\"_ _f\"> </span><span class=\"ff4\">Other items 2024 include $172 million primarily relating to recycling of FX <span class=\"_ _7\"></span>translation losses from reserves into P&amp;L on the <span class=\"_ _7\"></span>sale of Zimbabwe, $26 million loss on sale </span></div><div class=\"t m0 hb ff4 fs7 fc3 sc0 ls7 ws7 gs1b3\">of Angola, $19 million loss on Sierra Leone <span class=\"_ _7\"></span>and $15 million loss on the Aviation business <span class=\"_ _7\"></span>disposal.<span class=\"_ _3eb\"> </span></div><div class=\"t m0 hb ff1 fs7 fc3 sc0 ls7 ws7 gs1b4\">3 <span class=\"_ _f\"> </span><span class=\"ff4\">Other items 2025 include $113 million gains on sale of office space and <span class=\"_ _7\"></span>$10 million loss on business disposal.<span class=\"_ _3eb\"> </span></span></div><div class=\"t m0 hc ff6 fs8 fc2 sc0 ls8 ws0 gs1b6\">Reported operating income by geography<span class=\"_ _3eb\"> </span></div><div class=\"gs1b7\"><table class=\"s w333 h224\" id=\"_28fd5979-6233-48a5-a4bc-257d5aa47acf\"><tr><td></td><td class=\"t m0 x663 h38 y663e ff2 fs17 fc0 sc0 ls21 ws0\">Hong Kong<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x664 h38 y663e ff2 fs17 fc0 sc0 ls21 ws20\">Korea<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x665 h38 y663e ff5 fs17 fc0 sc0 ls21 ws20\">China<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x666 h38 y663e ff5 fs17 fc0 sc0 ls21 ws20\">Taiwan<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x2d2 h38 y663e ff2 fs17 fc0 sc0 ls21 ws20\">Singapore<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x667 h38 y663e ff5 fs17 fc0 sc0 ls21 ws20\">India<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x668 h38 y663e ff5 fs17 fc0 sc0 ls21 ws20\">UAE<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x669 h38 y663e ff2 fs17 fc0 sc0 ls21 ws20\">UK<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x66a h38 y663e ff2 fs17 fc0 sc0 ls21 ws20\">US<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x2ea h38 y663e ff5 fs17 fc0 sc0 ls21 ws20\">Other<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x66b h38 y663e ff5 fs17 fc0 sc0 ls21 ws20\">Group<span class=\"_ _3eb\"> </span></td></tr><tr><td></td><td class=\"t m0 x66c h38 y663f ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x66d h38 y663f ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x66e h38 y663f ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x66f h38 y663f ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x2cd h38 y663f ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x670 h38 y663f ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x671 h38 y663f ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x672 h38 y663f ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x673 h38 y663f ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x674 h38 y663f ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x4c2 h38 y663f ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c n x1ee y662c w334 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff5 fs5 fc3 sc0 ls5 ws5\">2025<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x675 y662c w2ea h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">5,547<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x676 y662c w335 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">1,135<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x677 y662c w336 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">1,159<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x678 y662c w337 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">563<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x679 y662c w338 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">3,311<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x67a y662c w339 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">1,643<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x67b y662c w33a h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">1,191<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x67c y662c w33b h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">912<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x59e y662c w33c h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">1,254<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x67d y662c w33d h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">4,227<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x67e y662c w48 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">20,942<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6567 w33e h1fe\"><div class=\"t m0 x1ed h1a y6640 ff1 fs5 fc3 sc0 ls5 ws5\">2024<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x67f y6567 w33f h1ff\"><div class=\"t m0 x1ed h1a y6640 ff4 fs5 fc3 sc0 ls5 ws5\">4,797<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x680 y6567 w340 h1ff\"><div class=\"t m0 x1ed h1a y6640 ff4 fs5 fc3 sc0 ls5 ws5\">1,085<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x681 y6567 w10f h1ff\"><div class=\"t m0 x1ed h1a y6640 ff4 fs5 fc3 sc0 ls5 ws5\">1,327<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x682 y6567 w341 h1ff\"><div class=\"t m0 x1ed h1a y6640 ff4 fs5 fc3 sc0 ls5 ws5\">577<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x683 y6567 w26c h1ff\"><div class=\"t m0 x1ed h1a y6640 ff4 fs5 fc3 sc0 ls5 ws5\">2,573<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x684 y6567 w342 h1fe\"><div class=\"t m0 x1ed h1a y6640 ff1 fs5 fc3 sc0 ls5 ws5\">1,323<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x685 y6567 w343 h1ff\"><div class=\"t m0 x1ed h1a y6640 ff4 fs5 fc3 sc0 ls5 ws5\">837<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x686 y6567 w344 h1ff\"><div class=\"t m0 x1ed h1a y6640 ff4 fs5 fc3 sc0 ls5 ws5\">278<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x687 y6567 w345 h1ff\"><div class=\"t m0 x1ed h1a y6640 ff4 fs5 fc3 sc0 ls5 ws5\">1,288<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x688 y6567 w346 h1ff\"><div class=\"t m0 x1ed h1a y6640 ff4 fs5 fc3 sc0 ls5 ws5\">5,458<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x689 y6567 w49 h1ff\"><div class=\"t m0 x1ed h1a y6640 ff4 fs5 fc3 sc0 ls5 ws5\">19,543<span class=\"_ _3eb\"> </span></div></td></tr></table></div><div class=\"t m0 h9 ff1 fs2 fc3 sc0 ls2 ws0 gs1b8\">Reported operating income by geography is based on the revenues attributed to all foreign countries in total from which the </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs1b9\">Group derives revenues.<span class=\"_ _3eb\"> </span></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfEntitysReportableSegmentsExplanatory",
    "language": "en",
    "entity": "scheme:U4LOSYZ7YG4W3S5F2G91",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-680": {
   "value": "Reported operating income by geography<span class=\"_ _3eb\"> </span><table class=\"s w333 h224\" id=\"_28fd5979-6233-48a5-a4bc-257d5aa47acf\"><tr><td></td><td class=\"t m0 x663 h38 y663e ff2 fs17 fc0 sc0 ls21 ws0\">Hong Kong<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x664 h38 y663e ff2 fs17 fc0 sc0 ls21 ws20\">Korea<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x665 h38 y663e ff5 fs17 fc0 sc0 ls21 ws20\">China<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x666 h38 y663e ff5 fs17 fc0 sc0 ls21 ws20\">Taiwan<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x2d2 h38 y663e ff2 fs17 fc0 sc0 ls21 ws20\">Singapore<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x667 h38 y663e ff5 fs17 fc0 sc0 ls21 ws20\">India<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x668 h38 y663e ff5 fs17 fc0 sc0 ls21 ws20\">UAE<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x669 h38 y663e ff2 fs17 fc0 sc0 ls21 ws20\">UK<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x66a h38 y663e ff2 fs17 fc0 sc0 ls21 ws20\">US<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x2ea h38 y663e ff5 fs17 fc0 sc0 ls21 ws20\">Other<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x66b h38 y663e ff5 fs17 fc0 sc0 ls21 ws20\">Group<span class=\"_ _3eb\"> </span></td></tr><tr><td></td><td class=\"t m0 x66c h38 y663f ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x66d h38 y663f ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x66e h38 y663f ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x66f h38 y663f ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x2cd h38 y663f ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x670 h38 y663f ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x671 h38 y663f ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x672 h38 y663f ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x673 h38 y663f ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x674 h38 y663f ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x4c2 h38 y663f ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c n x1ee y662c w334 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff5 fs5 fc3 sc0 ls5 ws5\">2025<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x675 y662c w2ea h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">5,547<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x676 y662c w335 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">1,135<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x677 y662c w336 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">1,159<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x678 y662c w337 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">563<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x679 y662c w338 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">3,311<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x67a y662c w339 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">1,643<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x67b y662c w33a h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">1,191<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x67c y662c w33b h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">912<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x59e y662c w33c h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">1,254<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x67d y662c w33d h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">4,227<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x67e y662c w48 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">20,942<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6567 w33e h1fe\"><div class=\"t m0 x1ed h1a y6640 ff1 fs5 fc3 sc0 ls5 ws5\">2024<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x67f y6567 w33f h1ff\"><div class=\"t m0 x1ed h1a y6640 ff4 fs5 fc3 sc0 ls5 ws5\">4,797<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x680 y6567 w340 h1ff\"><div class=\"t m0 x1ed h1a y6640 ff4 fs5 fc3 sc0 ls5 ws5\">1,085<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x681 y6567 w10f h1ff\"><div class=\"t m0 x1ed h1a y6640 ff4 fs5 fc3 sc0 ls5 ws5\">1,327<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x682 y6567 w341 h1ff\"><div class=\"t m0 x1ed h1a y6640 ff4 fs5 fc3 sc0 ls5 ws5\">577<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x683 y6567 w26c h1ff\"><div class=\"t m0 x1ed h1a y6640 ff4 fs5 fc3 sc0 ls5 ws5\">2,573<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x684 y6567 w342 h1fe\"><div class=\"t m0 x1ed h1a y6640 ff1 fs5 fc3 sc0 ls5 ws5\">1,323<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x685 y6567 w343 h1ff\"><div class=\"t m0 x1ed h1a y6640 ff4 fs5 fc3 sc0 ls5 ws5\">837<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x686 y6567 w344 h1ff\"><div class=\"t m0 x1ed h1a y6640 ff4 fs5 fc3 sc0 ls5 ws5\">278<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x687 y6567 w345 h1ff\"><div class=\"t m0 x1ed h1a y6640 ff4 fs5 fc3 sc0 ls5 ws5\">1,288<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x688 y6567 w346 h1ff\"><div class=\"t m0 x1ed h1a y6640 ff4 fs5 fc3 sc0 ls5 ws5\">5,458<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x689 y6567 w49 h1ff\"><div class=\"t m0 x1ed h1a y6640 ff4 fs5 fc3 sc0 ls5 ws5\">19,543<span class=\"_ _3eb\"> </span></div></td></tr></table>Reported operating income by geography is based on the revenues attributed to all foreign countries in total from which the Group derives revenues.<span class=\"_ _3eb\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfGeographicalAreasExplanatory",
    "language": "en",
    "entity": "scheme:U4LOSYZ7YG4W3S5F2G91",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-679": {
   "value": "3. Net interest <span class=\"_ _1b\"></span>income<span class=\"_ _3eb\"> </span>Accounting policy<span class=\"_ _3eb\"> </span>Interest income for financial assets held <span class=\"_ _7\"></span>at either fair value through other comprehensive <span class=\"_ _7\"></span>income or amortised cost, and interest expense <span class=\"_ _1b\"></span>on all financial <span class=\"_ _7\"></span>liabilities held <span class=\"_ _1b\"></span>at amortised cost <span class=\"_ _7\"></span>is recognised <span class=\"_ _1b\"></span>in profit or <span class=\"_ _7\"></span>loss using <span class=\"_ _1b\"></span>the effective interest <span class=\"_ _7\"></span>method.<span class=\"_ _3eb\"> </span>The effective interest rate is the rate that discounts estimated future cash payments or receipts through the expected life of the financial instrument or, when appropriate, <span class=\"_ _7\"></span>a shorter period, to the net carrying <span class=\"_ _7\"></span>amount of the financial asset or <span class=\"_ _7\"></span>financial liability. When calculating the effective interest <span class=\"_ _7\"></span>rate, the Group estimates cash flows considering <span class=\"_ _7\"></span>all contractual terms of the financial instrument (for example prepayment options) <span class=\"_ _7\"></span>but does not consider future credit losses. <span class=\"_ _7\"></span>The calculation includes all fees paid or received between parties to the contract that are an integral part of the effective interest rate, transaction costs and all other premiums or discounts. <span class=\"_ _7\"></span>For floating-rate financial instruments, periodic re-estimation of <span class=\"_ _7\"></span>cash flows that reflect the movements in the market rates <span class=\"_ _7\"></span>of interest alters the effective interest rate. <span class=\"_ _7\"></span>Where the estimates of cash flows <span class=\"_ _7\"></span>have been revised, the carrying amount of the <span class=\"_ _7\"></span>financial asset or liability is adjusted to <span class=\"_ _7\"></span>reflect the actual and revised cash <span class=\"_ _7\"></span>flows, discounted at the instruments original effective <span class=\"_ _7\"></span>interest rate. The adjustment is recognised as <span class=\"_ _7\"></span>interest income or expense in<span class=\"_ gs36\"> </span>the period in which the revision <span class=\"_ _7\"></span>is made as long as the change <span class=\"_ _7\"></span>in estimates is not due to <span class=\"_ _7\"></span>credit issues.<span class=\"_ _3eb\"> </span>Interest income for financial assets that <span class=\"_ _7\"></span>are either held at fair value through <span class=\"_ _7\"></span>other comprehensive income or amortised cost<span class=\"_ gs36\"> </span>that have become credit-impaired subsequent to <span class=\"_ _7\"></span>initial recognition (stage 3) and have had <span class=\"_ _7\"></span>amounts written off, is<span class=\"_ gs36\"> </span>recognised using the credit adjusted effective <span class=\"_ _7\"></span>interest rate. This rate is calculated in <span class=\"_ _7\"></span>the same manner as the effective interest rate except that expected credit <span class=\"_ _7\"></span>losses are included in the expected cash <span class=\"_ _7\"></span>flows. Interest income is therefore recognised on the amortised cost of <span class=\"_ _7\"></span>the financial asset including expected credit losses. <span class=\"_ _7\"></span>Should the credit risk on a <span class=\"_ _7\"></span>stage 3 financial asset improve such that the <span class=\"_ _7\"></span>financial asset is no longer considered credit-impaired, <span class=\"_ _7\"></span>interest income recognition reverts to a computation based on <span class=\"_ _7\"></span>the rehabilitated gross carrying value of the <span class=\"_ _7\"></span>financial asset.<span class=\"_ _3eb\"> </span><table class=\"s w347 h225\" id=\"_ac0a6657-e322-4b18-97ed-f92b4c6cf6a4\"><tr><td></td><td class=\"t m0 x230 h38 y6641 ff5 fs17 fc0 sc0 ls21 ws20\">2025 <span class=\"ff2 ls0 ws0\"> </span></td><td class=\"t m0 x231 h39 y6641 ff1 fs17 fc3 sc0 ls21 ws20\">2024 <span class=\"ls0 ws0\"> </span></td></tr><tr><td></td><td class=\"t m0 x233 h38 y6642 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x234 h2c y6642 ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c n x1ee y6557 w348 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Balances at central banks<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x281 y6557 w349 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">2,126<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x68a y6557 w34a h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">2,520<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6558 wc8 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Loans and advances to banks<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x68b y6558 w34b h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">2,209<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x68c y6558 w34c h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">2,368<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y658b wcb h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Loans and advances to customers<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x68d y658b w34d h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">14,045<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x68e y658b w10c h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">16,179<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y655a w34e h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">Debt securities<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x68f y655a w34f h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">4,855<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x690 y655a w350 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">5,165<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y655b w351 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">Other eligible bills<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x691 y655b w352 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">1,210<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x692 y655b w353 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">1,495<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y655c w354 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">Accrued on impaired assets (discount unwind)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x693 y655c w355 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">102<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x694 y655c w356 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">135<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y655d w357 h203\"><div class=\"t m0 x1ed h3d y655f ff5 fs5 fc3 sc0 ls5 ws5\">Interest income<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x695 y655d w358 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">24,547<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x696 y655d w309 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">27,862<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x236 y6573 w359 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">Of which: financial instruments held at fair <span class=\"_ _7\"></span>value through other comprehensive income<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x697 y6573 w35a h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">3,745<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x698 y6573 w35b h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">3,773<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6560 wf2 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Deposits by banks<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x699 y6560 w109 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">664<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x69a y6560 w35c h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">806<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6575 wf5 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Customer accounts<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x69b y6575 w35d h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">13,878<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x69c y6575 w35e h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">16,276<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y658d w101 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">Debt securities in issue<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x69d y658d w35f h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">3,432<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x69e y658d w360 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">3,610<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6610 w10e h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">Subordinated liabilities and other borrowed funds<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x69f y6610 w361 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">552<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x6a0 y6610 w117 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">744<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6577 w362 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">Interest expense on IFRS 16 lease liabilities<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x6a1 y6577 w363 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">66<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x6a2 y6577 w364 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">60<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6566 w365 h203\"><div class=\"t m0 x1ed h3d y655f ff5 fs5 fc3 sc0 ls5 ws5\">Interest expense<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x6a3 y6566 w9c h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">18,592<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x6a4 y6566 w366 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">21,496<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6567 w31 h203\"><div class=\"t m0 x1ed h3d y655f ff5 fs5 fc3 sc0 ls5 ws5\">Net interest income<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x6a5 y6567 w367 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">5,955<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x6a6 y6567 w324 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">6,366<span class=\"_ _3eb\"> </span></div></td></tr></table>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfInterestIncomeExplanatory",
    "language": "en",
    "entity": "scheme:U4LOSYZ7YG4W3S5F2G91",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-626": {
   "value": "3. Net interest <span class=\"_ _1b\"></span>income<span class=\"_ _3eb\"> </span>Accounting policy<span class=\"_ _3eb\"> </span>Interest income for financial assets held <span class=\"_ _7\"></span>at either fair value through other comprehensive <span class=\"_ _7\"></span>income or amortised cost, and interest expense <span class=\"_ _1b\"></span>on all financial <span class=\"_ _7\"></span>liabilities held <span class=\"_ _1b\"></span>at amortised cost <span class=\"_ _7\"></span>is recognised <span class=\"_ _1b\"></span>in profit or <span class=\"_ _7\"></span>loss using <span class=\"_ _1b\"></span>the effective interest <span class=\"_ _7\"></span>method.<span class=\"_ _3eb\"> </span>The effective interest rate is the rate that discounts estimated future cash payments or receipts through the expected life of the financial instrument or, when appropriate, <span class=\"_ _7\"></span>a shorter period, to the net carrying <span class=\"_ _7\"></span>amount of the financial asset or <span class=\"_ _7\"></span>financial liability. When calculating the effective interest <span class=\"_ _7\"></span>rate, the Group estimates cash flows considering <span class=\"_ _7\"></span>all contractual terms of the financial instrument (for example prepayment options) <span class=\"_ _7\"></span>but does not consider future credit losses. <span class=\"_ _7\"></span>The calculation includes all fees paid or received between parties to the contract that are an integral part of the effective interest rate, transaction costs and all other premiums or discounts. <span class=\"_ _7\"></span>For floating-rate financial instruments, periodic re-estimation of <span class=\"_ _7\"></span>cash flows that reflect the movements in the market rates <span class=\"_ _7\"></span>of interest alters the effective interest rate. <span class=\"_ _7\"></span>Where the estimates of cash flows <span class=\"_ _7\"></span>have been revised, the carrying amount of the <span class=\"_ _7\"></span>financial asset or liability is adjusted to <span class=\"_ _7\"></span>reflect the actual and revised cash <span class=\"_ _7\"></span>flows, discounted at the instruments original effective <span class=\"_ _7\"></span>interest rate. The adjustment is recognised as <span class=\"_ _7\"></span>interest income or expense in<span class=\"_ gs36\"> </span>the period in which the revision <span class=\"_ _7\"></span>is made as long as the change <span class=\"_ _7\"></span>in estimates is not due to <span class=\"_ _7\"></span>credit issues.<span class=\"_ _3eb\"> </span>Interest income for financial assets that <span class=\"_ _7\"></span>are either held at fair value through <span class=\"_ _7\"></span>other comprehensive income or amortised cost<span class=\"_ gs36\"> </span>that have become credit-impaired subsequent to <span class=\"_ _7\"></span>initial recognition (stage 3) and have had <span class=\"_ _7\"></span>amounts written off, is<span class=\"_ gs36\"> </span>recognised using the credit adjusted effective <span class=\"_ _7\"></span>interest rate. This rate is calculated in <span class=\"_ _7\"></span>the same manner as the effective interest rate except that expected credit <span class=\"_ _7\"></span>losses are included in the expected cash <span class=\"_ _7\"></span>flows. Interest income is therefore recognised on the amortised cost of <span class=\"_ _7\"></span>the financial asset including expected credit losses. <span class=\"_ _7\"></span>Should the credit risk on a <span class=\"_ _7\"></span>stage 3 financial asset improve such that the <span class=\"_ _7\"></span>financial asset is no longer considered credit-impaired, <span class=\"_ _7\"></span>interest income recognition reverts to a computation based on <span class=\"_ _7\"></span>the rehabilitated gross carrying value of the <span class=\"_ _7\"></span>financial asset.<span class=\"_ _3eb\"> </span><table class=\"s w347 h225\" id=\"_ac0a6657-e322-4b18-97ed-f92b4c6cf6a4\"><tr><td></td><td class=\"t m0 x230 h38 y6641 ff5 fs17 fc0 sc0 ls21 ws20\">2025 <span class=\"ff2 ls0 ws0\"> </span></td><td class=\"t m0 x231 h39 y6641 ff1 fs17 fc3 sc0 ls21 ws20\">2024 <span class=\"ls0 ws0\"> </span></td></tr><tr><td></td><td class=\"t m0 x233 h38 y6642 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x234 h2c y6642 ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c n x1ee y6557 w348 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Balances at central banks<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x281 y6557 w349 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">2,126<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x68a y6557 w34a h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">2,520<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6558 wc8 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Loans and advances to banks<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x68b y6558 w34b h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">2,209<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x68c y6558 w34c h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">2,368<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y658b wcb h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Loans and advances to customers<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x68d y658b w34d h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">14,045<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x68e y658b w10c h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">16,179<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y655a w34e h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">Debt securities<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x68f y655a w34f h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">4,855<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x690 y655a w350 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">5,165<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y655b w351 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">Other eligible bills<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x691 y655b w352 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">1,210<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x692 y655b w353 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">1,495<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y655c w354 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">Accrued on impaired assets (discount unwind)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x693 y655c w355 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">102<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x694 y655c w356 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">135<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y655d w357 h203\"><div class=\"t m0 x1ed h3d y655f ff5 fs5 fc3 sc0 ls5 ws5\">Interest income<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x695 y655d w358 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">24,547<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x696 y655d w309 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">27,862<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x236 y6573 w359 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">Of which: financial instruments held at fair <span class=\"_ _7\"></span>value through other comprehensive income<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x697 y6573 w35a h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">3,745<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x698 y6573 w35b h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">3,773<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6560 wf2 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Deposits by banks<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x699 y6560 w109 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">664<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x69a y6560 w35c h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">806<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6575 wf5 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Customer accounts<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x69b y6575 w35d h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">13,878<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x69c y6575 w35e h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">16,276<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y658d w101 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">Debt securities in issue<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x69d y658d w35f h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">3,432<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x69e y658d w360 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">3,610<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6610 w10e h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">Subordinated liabilities and other borrowed funds<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x69f y6610 w361 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">552<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x6a0 y6610 w117 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">744<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6577 w362 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">Interest expense on IFRS 16 lease liabilities<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x6a1 y6577 w363 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">66<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x6a2 y6577 w364 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">60<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6566 w365 h203\"><div class=\"t m0 x1ed h3d y655f ff5 fs5 fc3 sc0 ls5 ws5\">Interest expense<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x6a3 y6566 w9c h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">18,592<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x6a4 y6566 w366 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">21,496<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6567 w31 h203\"><div class=\"t m0 x1ed h3d y655f ff5 fs5 fc3 sc0 ls5 ws5\">Net interest income<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x6a5 y6567 w367 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">5,955<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x6a6 y6567 w324 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">6,366<span class=\"_ _3eb\"> </span></div></td></tr></table>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfInterestIncomeExpenseExplanatory",
    "language": "en",
    "entity": "scheme:U4LOSYZ7YG4W3S5F2G91",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-704": {
   "value": "Accounting policy<span class=\"_ _3eb\"> </span>Interest income for financial assets held <span class=\"_ _7\"></span>at either fair value through other comprehensive <span class=\"_ _7\"></span>income or amortised cost, and interest expense <span class=\"_ _1b\"></span>on all financial <span class=\"_ _7\"></span>liabilities held <span class=\"_ _1b\"></span>at amortised cost <span class=\"_ _7\"></span>is recognised <span class=\"_ _1b\"></span>in profit or <span class=\"_ _7\"></span>loss using <span class=\"_ _1b\"></span>the effective interest <span class=\"_ _7\"></span>method.<span class=\"_ _3eb\"> </span>The effective interest rate is the rate that discounts estimated future cash payments or receipts through the expected life of the financial instrument or, when appropriate, <span class=\"_ _7\"></span>a shorter period, to the net carrying <span class=\"_ _7\"></span>amount of the financial asset or <span class=\"_ _7\"></span>financial liability. When calculating the effective interest <span class=\"_ _7\"></span>rate, the Group estimates cash flows considering <span class=\"_ _7\"></span>all contractual terms of the financial instrument (for example prepayment options) <span class=\"_ _7\"></span>but does not consider future credit losses. <span class=\"_ _7\"></span>The calculation includes all fees paid or received between parties to the contract that are an integral part of the effective interest rate, transaction costs and all other premiums or discounts. <span class=\"_ _7\"></span>For floating-rate financial instruments, periodic re-estimation of <span class=\"_ _7\"></span>cash flows that reflect the movements in the market rates <span class=\"_ _7\"></span>of interest alters the effective interest rate. <span class=\"_ _7\"></span>Where the estimates of cash flows <span class=\"_ _7\"></span>have been revised, the carrying amount of the <span class=\"_ _7\"></span>financial asset or liability is adjusted to <span class=\"_ _7\"></span>reflect the actual and revised cash <span class=\"_ _7\"></span>flows, discounted at the instruments original effective <span class=\"_ _7\"></span>interest rate. The adjustment is recognised as <span class=\"_ _7\"></span>interest income or expense in<span class=\"_ gs36\"> </span>the period in which the revision <span class=\"_ _7\"></span>is made as long as the change <span class=\"_ _7\"></span>in estimates is not due to <span class=\"_ _7\"></span>credit issues.<span class=\"_ _3eb\"> </span>Interest income for financial assets that <span class=\"_ _7\"></span>are either held at fair value through <span class=\"_ _7\"></span>other comprehensive income or amortised cost<span class=\"_ gs36\"> </span>that have become credit-impaired subsequent to <span class=\"_ _7\"></span>initial recognition (stage 3) and have had <span class=\"_ _7\"></span>amounts written off, is<span class=\"_ gs36\"> </span>recognised using the credit adjusted effective <span class=\"_ _7\"></span>interest rate. This rate is calculated in <span class=\"_ _7\"></span>the same manner as the effective interest rate except that expected credit <span class=\"_ _7\"></span>losses are included in the expected cash <span class=\"_ _7\"></span>flows. Interest income is therefore recognised on the amortised cost of <span class=\"_ _7\"></span>the financial asset including expected credit losses. <span class=\"_ _7\"></span>Should the credit risk on a <span class=\"_ _7\"></span>stage 3 financial asset improve such that the <span class=\"_ _7\"></span>financial asset is no longer considered credit-impaired, <span class=\"_ _7\"></span>interest income recognition reverts to a computation based on <span class=\"_ _7\"></span>the rehabilitated gross carrying value of the <span class=\"_ _7\"></span>financial asset.<span class=\"_ _3eb\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForInterestIncomeAndExpenseExplanatory",
    "language": "en",
    "entity": "scheme:U4LOSYZ7YG4W3S5F2G91",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-627": {
   "value": "4. Net fees <span class=\"_ _1b\"></span>and commission<span class=\"_ _3eb\"> </span>Accounting policy<span class=\"_ _3eb\"> </span>The Group can act as trustee <span class=\"_ _7\"></span>or in other Fiduciary capacities that result <span class=\"_ _7\"></span>in the holding or placing of <span class=\"_ _7\"></span>assets on behalf of individuals, trusts, retirement benefit plans and <span class=\"_ _7\"></span>other institutions. The assets and income arising <span class=\"_ _7\"></span>thereon are excluded from these financial statements, as they are <span class=\"_ _7\"></span>not assets and income of the Group.<span class=\"_ _3eb\"> </span>The Group applies the following practical <span class=\"_ _7\"></span>expedients: <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">information on amounts of transaction price allocated to unsatisfied (or partially unsatisfied) <span class=\"_ _7\"></span>performance obligations at the </span>end of the reporting period is not disclosed as almost all fee-earning contracts have an expected duration of less than one year <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">promised consideration is not adjusted for the effects of a significant financing <span class=\"_ _7\"></span>component as the period between the <span class=\"_ _7\"></span>Group </span>providing a service and the customer <span class=\"_ _7\"></span>paying for it is expected to be <span class=\"_ _7\"></span>less than one year <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">incremental costs of obtaining a fee-earning contract are recognised upfront in \u2018Fees <span class=\"_ _7\"></span>and commission expense\u2019 rather than </span>amortised, if the expected term of <span class=\"_ _7\"></span>the contract is less than one year.<span class=\"_ _3eb\"> </span>The determination of the services performed <span class=\"_ _7\"></span>for the customer, the transaction price, and <span class=\"_ _7\"></span>when the services are completed depends on the nature of the <span class=\"_ _7\"></span>product with the customer. The main considerations <span class=\"_ _7\"></span>on income recognition by product are <span class=\"_ _7\"></span>as follows:<span class=\"_ _3eb\"> </span>Transaction Banking<span class=\"_ _3eb\"> </span>The Group recognises fee income associated with transactional trade and cash management at the point in time the service is<span class=\"_ gs36\"> </span>provided. The Group recognises income associated <span class=\"_ _7\"></span>with trade contingent risk exposures (such as <span class=\"_ _7\"></span>letters of credit and guarantees) over the period in which <span class=\"_ _7\"></span>the service is provided.<span class=\"_ _3eb\"> </span>Payment of fees is usually received <span class=\"_ _7\"></span>at the same time the service is <span class=\"_ _7\"></span>provided. In some cases, letters of <span class=\"_ _7\"></span>credit and guarantees issued by the Group have annual <span class=\"_ _7\"></span>upfront premiums, which are amortised on a <span class=\"_ _7\"></span>straight-line basis to fee income over <span class=\"_ _7\"></span>the year. Global Markets<span class=\"_ _3eb\"> </span>The Group <span class=\"_ _7\"></span>recognises fee income <span class=\"_ _1b\"></span>at the point in <span class=\"_ _7\"></span>time the <span class=\"_ _7\"></span>service is <span class=\"_ _7\"></span>provided. Fee <span class=\"_ _7\"></span>income is <span class=\"_ _7\"></span>recognised for <span class=\"_ _7\"></span>a significant <span class=\"_ _7\"></span>non-lending service when the transaction has been <span class=\"_ _7\"></span>completed and the terms of the contract <span class=\"_ _7\"></span>with the customer entitle the Group <span class=\"_ _7\"></span>to the fee. This includes fees such as structuring <span class=\"_ _7\"></span>and advisory fees. Fees are usually received <span class=\"_ _7\"></span>shortly after the service is provided.<span class=\"_ _3eb\"> </span>Syndication fees are recognised when the <span class=\"_ _7\"></span>syndication is complete, defined as achieving the <span class=\"_ _7\"></span>final approved hold position. Fees<span class=\"_ gs36\"> </span>are generally received before completion of <span class=\"_ _7\"></span>the syndication, or within 12 months of <span class=\"_ _7\"></span>the transaction date.<span class=\"_ _3eb\"> </span>Securities services include custody services, fund <span class=\"_ _7\"></span>accounting and administration, and broker clearing. Fees <span class=\"_ _7\"></span>are recognised over the period the custody or fund <span class=\"_ _7\"></span>management services are provided, or as and <span class=\"_ _7\"></span>when broker services are requested. Wealth Management<span class=\"_ _3eb\"> </span>Upfront consideration on bancassurance agreements is <span class=\"_ _7\"></span>amortised straight-line over the contractual term. Commissions for<span class=\"_ gs36\"> </span>bancassurance activities are recorded as they <span class=\"_ _7\"></span>are earned through sales of third-party insurance <span class=\"_ _7\"></span>products to customers. These commissions are received within a <span class=\"_ _7\"></span>short time frame of the commission being <span class=\"_ _7\"></span>earned. Target-linked fees are accrued based on percentage of the target <span class=\"_ _7\"></span>achieved, provided it is assessed as highly <span class=\"_ _7\"></span>probable that the target will be <span class=\"_ _7\"></span>met. Cash payment is received at a contractually <span class=\"_ _7\"></span>specified date after achievement of a target <span class=\"_ _7\"></span>has been confirmed.<span class=\"_ _3eb\"> </span>Upfront and trailing commissions for managed <span class=\"_ _7\"></span>investment placements are recorded as they are <span class=\"_ _7\"></span>confirmed. Income from these<span class=\"_ gs36\"> </span>activities is relatively even throughout the <span class=\"_ _7\"></span>period, and cash is usually received within <span class=\"_ _7\"></span>a short time frame after the commission is earned.<span class=\"_ _3eb\"> </span><div class=\"t m0 hc ff6 fs8 fc2 sc0 ls8 ws0 gs1d5\">Retail Products<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h9 ff1 fs2 fc3 sc0 ls2 ws0 gs1d6\">The Group recognises most income at the point in time the Group is entitled to the fee, since most services are provided </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs1d7\">at<span class=\"_ gs36\"> </span>the<span class=\"_ gs36\"> </span>time of the customer\u2019s request.<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs1d8\">In most of our retail markets <span class=\"_ _7\"></span>there are circumstances under which fees are <span class=\"_ _7\"></span>waived, income recognition is adjusted to <span class=\"_ _7\"></span>reflect </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs1d9\">customer\u2019s intent to pay the annual <span class=\"_ _7\"></span>fee. The Group defers the fair value <span class=\"_ _7\"></span>of reward points on its credit <span class=\"_ _7\"></span>card reward programmes, </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs1da\">and recognises income and costs associated <span class=\"_ _7\"></span>with fulfilling the reward at the time <span class=\"_ _7\"></span>of redemption.<span class=\"_ _3eb\"> </span></div><div class=\"gs1db\"><table class=\"s w368 h226\" id=\"_c99ef932-c129-4e8b-a81c-9165e14503a8\"><tr><td></td><td class=\"t m0 x230 h38 y6643 ff5 fs17 fc0 sc0 ls21 ws20\">2025<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x231 h39 y6643 ff1 fs17 fc3 sc0 ls21 ws20\">2024<span class=\"_ _3eb\"> </span></td></tr><tr><td></td><td class=\"t m0 x233 h38 y6644 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x234 h2c y6644 ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c n x1ee y655d w369 h201\"><div class=\"t m0 x1ed h3d y6548 ff5 fs5 fc3 sc0 ls5 ws5\">Fees and commissions income<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x6a7 y655d w36a h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">5,349<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2b7 y655d w2c6 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">4,623<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x247 h1a y6645 ff4 fs5 fc3 sc0 ls5 ws5\">Of which:<span class=\"_ _3eb\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x236 y6574 w36b h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">Financial instruments that are not fair valued <span class=\"_ _7\"></span>through profit or loss<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x6a8 y6574 w215 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">1,566<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x6a9 y6574 w29a h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">1,436<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x236 y6646 w36c h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">Trust and other fiduciary activities<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x6aa y6646 w36d h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">793<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x6ab y6646 wee h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">632<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6562 w36e h201\"><div class=\"t m0 x1ed h3d y6548 ff5 fs5 fc3 sc0 ls5 ws5\">Fees and commissions expense<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x6ac y6562 w23a h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(1,100)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x6ad y6562 w3a h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(889)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x247 h1a y6647 ff4 fs5 fc3 sc0 ls5 ws5\">Of which:<span class=\"_ _3eb\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x236 y6577 w36b h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">Financial instruments that are not fair valued <span class=\"_ _7\"></span>through profit or loss<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x6ae y6577 w36f h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(376)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x6af y6577 w25c h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(245)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x236 y6566 w36c h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">Trust and other fiduciary activities<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x6b0 y6566 w27d h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(68)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x6b1 y6566 wf9 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(50)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6567 w370 h201\"><div class=\"t m0 x1ed h3d y6548 ff5 fs5 fc3 sc0 ls5 ws5\">Net fees and commission<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x6b2 y6567 w3d h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">4,249<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x6b3 y6567 w3e h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">3,734<span class=\"_ _3eb\"> </span></div></td></tr></table></div><div class=\"gs1dc\"><table class=\"s w371 h227\" id=\"_a0b8e78b-4627-4641-b9c1-2201952ed669\"><tr><td></td><td></td><td></td><td class=\"c n x6b4 y6648 w306 h215\"><div class=\"t m0 x1ed h38 y6563 ff5 fs17 fc0 sc0 ls21 ws20\">2025<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td></td><td></td><td class=\"c n x6b5 y6648 w307 h205\"><div class=\"t m0 x1ed h38 y6563 ff1 fs17 fc3 sc0 ls21 ws20\">2024<span class=\"_ _3eb\"> </span></div></td><td></td><td></td></tr><tr><td></td><td class=\"t m0 x6b6 h38 y6649 ff5 fs17 fc0 sc0 ls21 ws20\">Corporate </td><td></td><td></td><td></td><td></td><td class=\"t m0 x6b7 h39 y6649 ff1 fs17 fc3 sc0 ls21 ws20\">Corporate </td><td></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"t m0 x6b8 h38 y664a ff5 fs17 fc0 sc0 ls0 ws0\">&amp; </td><td class=\"t m0 x6b9 h38 y664a ff5 fs17 fc0 sc0 ls21 ws20\">Wealth &amp; </td><td></td><td class=\"t m0 x2c9 h38 y664a ff5 fs17 fc0 sc0 ls21 ws20\">Central &amp; </td><td></td><td class=\"t m0 x6ba h39 y664a ff1 fs17 fc3 sc0 ls0 ws0\">&amp; </td><td class=\"t m0 x2e8 h39 y664a ff1 fs17 fc3 sc0 ls21 ws0\">Wealth &amp; </td><td></td><td class=\"t m0 x6bb h39 y664a ff1 fs17 fc3 sc0 ls21 ws0\">Central &amp; </td><td></td></tr><tr><td></td><td class=\"t m0 x2d5 h38 y664b ff5 fs17 fc0 sc0 ls21 ws20\">Investment </td><td class=\"t m0 x665 h38 y664b ff5 fs17 fc0 sc0 ls21 ws20\">Retail </td><td></td><td class=\"t m0 x6bc h38 y664b ff5 fs17 fc0 sc0 ls21 ws20\">Other<span class=\"_ _3eb\"> </span></td><td></td><td class=\"t m0 x6bd h39 y664b ff1 fs17 fc3 sc0 ls21 ws20\">Investment </td><td class=\"t m0 x6be h39 y664b ff1 fs17 fc3 sc0 ls21 ws20\">Retail<span class=\"_ _3eb\"> </span></td><td></td><td class=\"t m0 x2ea h39 y664b ff1 fs17 fc3 sc0 ls21 ws20\">Other<span class=\"_ _3eb\"> </span></td><td></td></tr><tr><td></td><td class=\"t m0 x6bf h38 y664c ff2 fs17 fc0 sc0 ls21 ws20\">Banking<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x6c0 h38 y664c ff2 fs17 fc0 sc0 ls21 ws20\">Banking<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x6c1 h38 y664c ff2 fs17 fc0 sc0 ls21 ws20\">Ventures<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x6c2 h38 y664c ff5 fs17 fc0 sc0 ls21 ws20\">Items </td><td class=\"t m0 x6c3 h38 y664c ff5 fs17 fc0 sc0 ls21 ws20\">Total<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x6c4 h39 y664c ff1 fs17 fc3 sc0 ls21 ws20\">Banking<span class=\"_ _3eb\"> </span></td><td class=\"c x6c6 y664e w372 h228\"><div class=\"t m0 x1ed h39 y65c3 ff1 fs17 fc3 sc0 ls21 ws20\">Banking</div><div class=\"t m0 x6c5 h3a y664d ff1 fs19 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c x6c8 y664e w373 h228\"><div class=\"t m0 x1ed h39 y65c3 ff1 fs17 fc3 sc0 ls21 ws20\">Ventures</div><div class=\"t m0 x6c7 h3a y664d ff1 fs19 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c x6ca y664e w374 h228\"><div class=\"t m0 x1ed h39 y65c3 ff1 fs17 fc3 sc0 ls21 ws20\">Items</div><div class=\"t m0 x6c9 h3a y664d ff1 fs19 fc3 sc0 ls0 ws0\">1</div></td><td class=\"t m0 x6cb h39 y664c ff1 fs17 fc3 sc0 ls21 ws20\">Total<span class=\"_ _3eb\"> </span></td></tr><tr><td></td><td class=\"t m0 x66d h38 y664f ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x66e h38 y664f ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x66f h38 y664f ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x2cd h38 y664f ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x670 h38 y664f ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x671 h2c y664f ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x6cc h2c y664f ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x673 h2c y664f ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x674 h2c y664f ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x234 h2c y664f ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c n x1ee y6550 w375 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Transaction Services<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x6cd y6550 w350 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">1,591<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x6ce y6550 w2bc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x6cf y6550 w2bc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x6d0 y6550 w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x6d1 y6550 w350 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">1,591<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x6d2 y6550 w353 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">1,456<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x6d3 y6550 w1cf h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x6d4 y6550 w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x6d5 y6550 w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x6d6 y6550 w353 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">1,456<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x236 y6551 w376 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">Payments &amp; Liquidity<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x6d7 y6551 w377 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">642<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x6d8 y6551 w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x6d9 y6551 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x6da y6551 w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x6db y6551 w377 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">642<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x6dc y6551 w118 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">634<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x6dd y6551 w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x6de y6551 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x6df y6551 w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x6e0 y6551 w378 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">634<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x236 y6552 w2bb h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">Securities &amp; Prime Services<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x6e1 y6552 we7 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">346<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x6e2 y6552 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x6e3 y6552 w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x6e4 y6552 w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x6e5 y6552 we7 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">346<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x6e6 y6552 w379 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">254<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x6e7 y6552 w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x6e8 y6552 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x6e9 y6552 w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x6ea y6552 w379 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">254<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x236 y6553 w37a h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Trade &amp; Working Capital<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x6eb y6553 w37b h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">603<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x6ec y6553 w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x6ed y6553 w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x6ee y6553 w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x6ef y6553 w37c h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">603<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x6e6 y6553 w37d h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">568<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x6f0 y6553 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x6f1 y6553 w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x6f2 y6553 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x6f3 y6553 w117 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">568<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6554 w37e h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Global Banking<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x6f4 y6554 w37f h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">1,091<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x6f5 y6554 w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x6f6 y6554 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x6f7 y6554 w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x6f8 y6554 w37f h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">1,091<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x6f9 y6554 w380 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">937<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x6fa y6554 w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x6fb y6554 w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x6fc y6554 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x6fd y6554 w380 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">937<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x236 y6555 w381 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">Lending &amp; Financial Solutions<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x6fe y6555 w306 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">673<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x6ff y6555 w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x700 y6555 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x701 y6555 w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x702 y6555 w36d h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">673<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x703 y6555 w382 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">633<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x704 y6555 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x705 y6555 w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x706 y6555 w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x238 y6555 w382 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">633<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x236 y6556 w383 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Capital Markets &amp; Advisory<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x707 y6556 w384 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">418<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x708 y6556 w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x709 y6556 w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x70a y6556 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x70b y6556 wee h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">418<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x70c y6556 w385 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">304<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x70d y6556 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x70e y6556 w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x70f y6556 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x710 y6556 w386 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">304<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6557 w387 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Global Markets<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x711 y6557 w388 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">51<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x712 y6557 w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x713 y6557 w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x714 y6557 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x715 y6557 w388 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">51<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x716 y6557 w1f2 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">36<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x717 y6557 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x718 y6557 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x719 y6557 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x71a y6557 w389 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">36<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x236 y6558 w38a h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Macro Trading<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x71b y6558 w38b h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x71c y6558 w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x71d y6558 w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x71e y6558 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x71f y6558 w38b h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x720 y6558 w38c h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(3)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x721 y6558 w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x722 y6558 w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x723 y6558 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x724 y6558 w38c h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(3)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x236 y6559 w38d h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Credit Trading<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x725 y6559 w38e h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">50<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x726 y6559 w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x727 y6559 w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x728 y6559 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x729 y6559 w38e h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">50<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x72a y6559 w38f h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">40<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x72b y6559 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x72c y6559 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x72d y6559 w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x72e y6559 w38f h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">40<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x236 y655a w390 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Valuation &amp; Other Adj<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x72f y655a w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x730 y655a w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x731 y655a w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x732 y655a w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x733 y655a w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x734 y655a wac h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(1)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x735 y655a w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x736 y655a w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x737 y655a w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x738 y655a wac h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(1)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y655b w391 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Wealth solutions<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x739 y655b w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x73a y655b w392 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">2,006<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x73b y655b w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x73c y655b w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x73d y655b w392 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">2,006<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x73e y655b w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x73f y655b w212 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">1,598<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x740 y655b w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x741 y655b w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x742 y655b w212 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">1,598<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x236 y655c w393 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Investment Products<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x743 y655c w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x744 y655c w291 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">1,252<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x745 y655c w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x746 y655c w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x747 y655c w394 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">1,252<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x748 y655c w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x749 y655c w395 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">929<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x74a y655c w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x74b y655c w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x74c y655c w11b h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">929<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x236 y655d w396 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">Bancassurance<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x74d y655d w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x74e y655d w397 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">754<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x700 y655d w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x701 y655d w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x74f y655d wa5 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">754<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x750 y655d w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x751 y655d w398 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">669<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x752 y655d w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x753 y655d w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x754 y655d w398 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">669<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6573 w399 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Deposits &amp; Mortgages<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x755 y6573 w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x756 y6573 w39a h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">211<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x757 y6573 w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x758 y6573 w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x759 y6573 w14a h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">211<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x75a y6573 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x75b y6573 w39b h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">222<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x75c y6573 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x75d y6573 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x75e y6573 w39b h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">222<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6574 w39c h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">CCPL &amp; Other Unsecured Lending<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x75f y6574 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x760 y6574 w39d h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">282<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x761 y6574 w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x762 y6574 w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x763 y6574 w39d h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">282<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x764 y6574 w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x765 y6574 w39e h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">321<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x766 y6574 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x767 y6574 w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x768 y6574 w39f h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">321<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6560 w3a0 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">Ventures<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x769 y6560 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x76a y6560 w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x76b y6560 w27b h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">89<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x76c y6560 w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x76d y6560 w2c1 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">89<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x76e y6560 w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x76f y6560 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x770 y6560 w3a1 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">78<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x771 y6560 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x772 y6560 w3a1 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">78<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x236 y6561 w3a2 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">Digital Banks<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x773 y6561 w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x774 y6561 w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x775 y6561 wb8 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">54<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x776 y6561 w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x777 y6561 wb8 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">54<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x778 y6561 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x779 y6561 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x77a y6561 w3a3 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">43<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x77b y6561 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x77c y6561 w3a3 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">43<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x236 y6562 w3a4 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">SCV<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x77d y6562 w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x77e y6562 w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x77f y6562 w3a5 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">35<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x780 y6562 w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x781 y6562 w3a6 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">35<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x782 y6562 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x783 y6562 w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x784 y6562 w3a7 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">35<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x785 y6562 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x786 y6562 w1ea h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">35<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6610 w3a8 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Treasury &amp; Other<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x787 y6610 w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x788 y6610 w3a9 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">28<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x789 y6610 w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x78a y6610 w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x78b y6610 w3aa h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">28<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x78c y6610 w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x78d y6610 w3ab h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">27<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x78e y6610 w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x78f y6610 w3ac h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(52)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x790 y6610 w3ac h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(25)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6577 w3ad h203\"><div class=\"t m0 x1ed h3d y655f ff5 fs5 fc3 sc0 ls5 ws5\">Fees and commission income<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x791 y6577 w3ae h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">2,733<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x792 y6577 w3a h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">2,527<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x793 y6577 w27b h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">89<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x794 y6577 w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x795 y6577 w36a h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">5,349<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x796 y6577 w3af h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">2,429<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x797 y6577 w3b0 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">2,168<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x798 y6577 w3a1 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">78<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x799 y6577 w3ac h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(52)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x79a y6577 w2c6 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">4,623<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6566 w38 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">Fees and commission expense<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x79b y6566 w3b1 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(642)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x79c y6566 w3b2 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(335)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x79d y6566 wa3 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(28)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x79e y6566 w62 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(95)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x79f y6566 w23a h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(1,100)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7a0 y6566 w3b3 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(491)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7a1 y6566 w3b4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(313)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7a2 y6566 w3b5 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(26)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7a3 y6566 w3b6 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(59)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7a4 y6566 w3a h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(889)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6567 w370 h203\"><div class=\"t m0 x1ed h3d y655f ff5 fs5 fc3 sc0 ls5 ws5\">Net fees and commission<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7a5 y6567 w3b7 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">2,091<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7a6 y6567 w326 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">2,192<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7a7 y6567 w327 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">61<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7a8 y6567 w3b8 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(95)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7a9 y6567 w3d h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">4,249<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7aa y6567 w329 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">1,938<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7ab y6567 w329 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">1,855<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7ac y6567 w8f h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">52<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7ad y6567 w32a h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(111)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7ae y6567 w3e h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">3,734<span class=\"_ _3eb\"> </span></div></td></tr></table></div><div class=\"t m0 hb ff1 fs7 fc3 sc0 ls7 ws7 gs1dd\">1 <span class=\"_ _b\"> </span><span class=\"ff4\">Products have been re-presented in line with the RNS on Re-Presentation of Financial <span class=\"_ _7\"></span>Information issued on 2 April 2025 with no <span class=\"_ _7\"></span>change in total income.<span class=\"_ _3eb\"> </span></span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs1de\">Upfront bancassurance consideration amounts are amortised <span class=\"_ _7\"></span>on a straight-line basis over the contractual <span class=\"_ _7\"></span>period to which </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs1df\">the<span class=\"_ gs36\"> </span>consideration relates. Deferred income on the <span class=\"_ _7\"></span>balance sheet in respect of these activities <span class=\"_ _7\"></span>is $363 million (31 December </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs1e0\">2024:<span class=\"_ gs36\"> </span>$419 million), which will be earned <span class=\"_ _7\"></span>evenly over the remaining life of the <span class=\"_ _7\"></span>contract until June 2032. For the <span class=\"_ _7\"></span>twelve months </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs1e1\">ended 31 December 2025, $56 million <span class=\"_ _7\"></span>of fee income was released from deferred <span class=\"_ _7\"></span>income (31 December 2024: $56 million).<span class=\"_ _3eb\"> </span></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfFeeAndCommissionIncomeExpenseExplanatory",
    "language": "en",
    "entity": "scheme:U4LOSYZ7YG4W3S5F2G91",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-705": {
   "value": "Accounting policy<span class=\"_ _3eb\"> </span>The Group can act as trustee <span class=\"_ _7\"></span>or in other Fiduciary capacities that result <span class=\"_ _7\"></span>in the holding or placing of <span class=\"_ _7\"></span>assets on behalf of individuals, trusts, retirement benefit plans and <span class=\"_ _7\"></span>other institutions. The assets and income arising <span class=\"_ _7\"></span>thereon are excluded from these financial statements, as they are <span class=\"_ _7\"></span>not assets and income of the Group.<span class=\"_ _3eb\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForFeeAndCommissionIncomeAndExpenseExplanatory",
    "language": "en",
    "entity": "scheme:U4LOSYZ7YG4W3S5F2G91",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-628": {
   "value": "5. Net trading <span class=\"_ _1b\"></span>income<span class=\"_ _3eb\"> </span>Accounting policy<span class=\"_ _3eb\"> </span>Gains and losses arising from changes <span class=\"_ _7\"></span>in the fair value of financial instruments <span class=\"_ _7\"></span>held at fair value through profit <span class=\"_ _7\"></span>or loss are recorded in net trading income in <span class=\"_ _7\"></span>the period in which they arise. This <span class=\"_ _7\"></span>includes contractual interest receivable or payable. When the initial fair value of <span class=\"_ _7\"></span>a financial instrument held at fair value <span class=\"_ _7\"></span>through profit or loss relies on <span class=\"_ _7\"></span>unobservable inputs, the difference between the initial valuation and <span class=\"_ _7\"></span>the transaction price is amortised to net <span class=\"_ _7\"></span>trading income as the inputs become observable or over the life of <span class=\"_ _7\"></span>the instrument, whichever is shorter. Any unamortised <span class=\"_ _7\"></span>\u2018day one\u2019 gain is released to <span class=\"_ _7\"></span>net trading income if the transaction is terminated.<span class=\"_ _3eb\"> </span>Income is recognised from the sale <span class=\"_ _7\"></span>and purchase of trading positions, margins on <span class=\"_ _7\"></span>market making and customer business and fair value changes.<span class=\"_ _3eb\"> </span><table class=\"s w3b9 h229\" id=\"_40d2905f-4c9b-4494-8bb3-5399a73bed12\"><tr><td></td><td class=\"t m0 x1e8 h38 y6650 ff5 fs17 fc0 sc0 ls21 ws20\">2025<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1e9 h39 y6650 ff1 fs17 fc3 sc0 ls21 ws20\">2024<span class=\"_ _3eb\"> </span></td></tr><tr><td></td><td class=\"t m0 x1eb h38 y6651 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1ec h2c y6651 ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c n x1ee y6575 w3f h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Net trading income<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7af y6575 w3ba h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">10,294<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7b0 y6575 w3bb h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">9,615<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x221 h1a y6652 ff4 fs5 fc3 sc0 ls5 ws5\">Significant items within net trading income include:<span class=\"_ _3eb\"> </span></td><td></td><td></td></tr><tr><td class=\"c x1ee y6653 w3bc h220\"><div class=\"t m0 x1ed h3b y6600 ff1 fs5 fc3 sc0 ls5 ws0\">Gains on instruments held for trading</div><div class=\"t m0 x7b1 h3c y6601 ff1 fs1b fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7b2 y6610 w3bd h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">8,267<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7b3 y6610 w3be h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">7,418<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6577 w3bf h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">Gains on financial assets mandatorily at fair <span class=\"_ _7\"></span>value through profit or loss<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7b4 y6577 w3c0 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">5,468<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7b5 y6577 w3c1 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">5,392<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6566 w3c2 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(Losses)/gains on financial assets designated at fair <span class=\"_ _7\"></span>value through profit or loss<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7b6 y6566 w3c3 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(10)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7b7 y6566 w5e h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">8<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6567 w3c4 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">Losses on financial liabilities designated at fair <span class=\"_ _7\"></span>value through profit or loss<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7b8 y6567 w3c5 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(3,476)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7b9 y6567 w3c6 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(3,252)<span class=\"_ _3eb\"> </span></div></td></tr></table>1 <span class=\"_ _b\"> </span><span class=\"ff4\">Includes $87 million gain (31 December 2024: $583 million gain) from the translation <span class=\"_ _7\"></span>of foreign currency monetary assets and liabilities.<span class=\"_ _3eb\"> </span></span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfTradingIncomeExpenseExplanatory",
    "language": "en",
    "entity": "scheme:U4LOSYZ7YG4W3S5F2G91",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-706": {
   "value": "Accounting policy<span class=\"_ _3eb\"> </span>Gains and losses arising from changes <span class=\"_ _7\"></span>in the fair value of financial instruments <span class=\"_ _7\"></span>held at fair value through profit <span class=\"_ _7\"></span>or loss are recorded in net trading income in <span class=\"_ _7\"></span>the period in which they arise. This <span class=\"_ _7\"></span>includes contractual interest receivable or payable. When the initial fair value of <span class=\"_ _7\"></span>a financial instrument held at fair value <span class=\"_ _7\"></span>through profit or loss relies on <span class=\"_ _7\"></span>unobservable inputs, the difference between the initial valuation and <span class=\"_ _7\"></span>the transaction price is amortised to net <span class=\"_ _7\"></span>trading income as the inputs become observable or over the life of <span class=\"_ _7\"></span>the instrument, whichever is shorter. Any unamortised <span class=\"_ _7\"></span>\u2018day one\u2019 gain is released to <span class=\"_ _7\"></span>net trading income if the transaction is terminated.<span class=\"_ _3eb\"> </span>Income is recognised from the sale <span class=\"_ _7\"></span>and purchase of trading positions, margins on <span class=\"_ _7\"></span>market making and customer business and fair value changes.<span class=\"_ _3eb\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForTradingIncomeAndExpenseExplanatory",
    "language": "en",
    "entity": "scheme:U4LOSYZ7YG4W3S5F2G91",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-629": {
   "value": "<div class=\"t m0 hf ff8 fsb fc2 sc0 lsb ws9 gs1ed\">6. Other operating <span class=\"_ _1b\"></span>income<span class=\"_ _3eb\"> </span></div><div class=\"gs1ee\"><table class=\"s w3c7 h22a\" id=\"_c2d15fa5-b976-470b-86ed-f7e729857fdd\"><tr><td></td><td class=\"t m0 x7ba h38 y6654 ff5 fs17 fc0 sc0 ls21 ws20\">2025<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x7bb h39 y6654 ff1 fs17 fc3 sc0 ls21 ws20\">2024<span class=\"_ _3eb\"> </span></td></tr><tr><td></td><td class=\"t m0 x7bc h38 y6655 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x7bd h2c y6655 ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"t m0 x221 h8 y6656 ff5 fs5 fc3 sc0 ls5 ws5\">Other operating income/(loss) includes:<span class=\"_ _3eb\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x1ee y6560 w3c8 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Rental income from operating lease assets<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7be y6560 w3c9 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">33<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7bf y6560 w38f h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">40<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6575 w3ca h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Net loss on disposal of fair value through other comprehensive income debt instruments<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7c0 y6575 w257 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(10)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7c1 y6575 w31d h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(237)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y658d w3cb h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">Net loss on amortised cost financial assets<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7c2 y658d w3cc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(43)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7c3 y658d w3cd h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(27)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y658e w3ce h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">Net gain/(loss) on sale of businesses<span class=\"_ _3eb\"> </span></div></td><td class=\"c x7c5 y658e w3cf h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">242</div><div class=\"t m0 x7c4 h93 y6657 ff6 fs1b fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c x7c7 y6658 w3d0 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(210)</div><div class=\"t m0 x7c6 h3c y65df ff1 fs1b fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6659 w3d1 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">Dividend income<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7c8 y6659 w3d2 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">10<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7c9 y6659 w40 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls0 ws0\">5<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y665a w3d3 h21c\"><div class=\"t m0 x1ed h3b y6600 ff1 fs5 fc3 sc0 ls5 ws5\">Other</div><div class=\"t m0 x7ca h3c y6601 ff1 fs1b fc3 sc0 ls0 ws0\">3<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x609 y6566 w3d4 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">212<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7cb y6566 w39b h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">257<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6567 w3d5 h203\"><div class=\"t m0 x1ed h3d y655f ff5 fs5 fc3 sc0 ls5 ws5\">Other operating income/(loss)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7cc y6567 w45 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">444<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7cd y6567 w46 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(172)<span class=\"_ _3eb\"> </span></div></td></tr></table></div><div class=\"t m0 hb ff1 fs7 fc3 sc0 ls7 ws7 gs1ef\">1 <span class=\"_ _b\"> </span><span class=\"ff4\">Includes $241 million gain from disposal of businesses ($238 million gain from Standard <span class=\"_ _7\"></span>Chartered Research and Technology India Private Limited; and <span class=\"_ _7\"></span>$13 million </span></div><div class=\"t m0 hb ff4 fs7 fc3 sc0 ls7 ws7 gs1f0\">gain from WRB business in SCB Tanzania, partly <span class=\"_ _7\"></span>offset by $5 million loss from Standard Chartered <span class=\"_ _7\"></span>Bank Gambia Limited and $5 million loss from <span class=\"_ _7\"></span>Standard </div><div class=\"t m0 hb ff4 fs7 fc3 sc0 ls7 ws7 gs1f1\">Chartered Bank Cameroon S.A.) of which $20 million <span class=\"_ _7\"></span>relates to realisation of translation adjustment loss. Total <span class=\"_ _7\"></span>cash consideration received from the disposal </div><div class=\"t m0 hb ff4 fs7 fc3 sc0 ls7 ws7 gs1f2\">was<span class=\"_ gs1a2\"> </span>$48 million ($13 million: SCB Tanzania, $6 million: <span class=\"_ _7\"></span>Standard Chartered Bank Gambia Limited, $29 million: Standard <span class=\"_ _7\"></span>Chartered Bank Cameroon S.A.<span class=\"_ _3eb\"> </span></div><div class=\"t m0 hb ff1 fs7 fc3 sc0 ls7 ws7 gs1f3\">2 <span class=\"_ _f\"> </span><span class=\"ff4\">2024 balance mainly includes loss on disposal of Africa subsidiaries $217 million <span class=\"_ _7\"></span>($172 million: SCB Zimbabwe Limited, $26 million: SCB <span class=\"_ _7\"></span>Angola S.A. and $19 million: </span></div><div class=\"t m0 hb ff4 fs7 fc3 sc0 ls7 ws7 gs1f4\">SCB Sierra Leone Limited) of which $246 million <span class=\"_ _7\"></span>relates to realisation of translation adjustment loss, partly <span class=\"_ _7\"></span>offset by gain of $17 million from disposal <span class=\"_ _7\"></span>of Venture </div><div class=\"t m0 hb ff4 fs7 fc3 sc0 ls7 ws7 gs1f5\">entities (Shoal limited and Autumn life Pte. Ltd). <span class=\"_ _7\"></span>Total cash consideration received was $74 million ($24 <span class=\"_ _7\"></span>million: SCB Zimbabwe Limited, $10 million: SCB Angola <span class=\"_ _7\"></span>S.A., </div><div class=\"t m0 hb ff4 fs7 fc3 sc0 ls7 ws7 gs1f6\">$17 million: SCB Sierra Leone Limited, $17 million: <span class=\"_ _7\"></span>Shoal Limited and $6 million: Autumn life Pte. <span class=\"_ _7\"></span>Ltd).<span class=\"_ _3eb\"> </span></div><div class=\"t m0 hb ff1 fs7 fc3 sc0 ls7 ws7 gs1f7\">3 <span class=\"_ _f\"> </span><span class=\"ff4\">2025 balance includes $133 million gain on disposal of property, plant and equipment, <span class=\"_ _7\"></span>IAS 29 adjustment Ghana hyperinflationary impact ($8 million) <span class=\"_ _7\"></span>and </span></div><div class=\"t m0 hb ff4 fs7 fc3 sc0 ls7 ws7 gs1f8\">immaterial balances across other geographies. 2024 <span class=\"_ _7\"></span>balance includes IAS 29 adjustment Ghana <span class=\"_ _7\"></span>hyperinflationary impact ($139 million), Research <span class=\"_ _7\"></span>and development </div><div class=\"t m0 hb ff4 fs7 fc3 sc0 ls7 ws7 gs1f9\">expenditure credit ($32 million), Rebates/incentives received from VISA <span class=\"_ _7\"></span>card ($25 million), Gain on disposal of property, <span class=\"_ _7\"></span>plant and equipment ($23 million), </div><div class=\"t m0 hb ff4 fs7 fc3 sc0 ls7 ws7 gs1fa\">Mark-to-market gains from deferred compensation income ($17 million), <span class=\"_ _7\"></span>and immaterial balances across other geographies.<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs1fb\">On 26 June 2025, the Group <span class=\"_ _7\"></span>disposed of its entire interest in Standard <span class=\"_ _7\"></span>Chartered Research and Technology India Private <span class=\"_ _7\"></span>Limited </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs1fc\">(SCRTIPL), a subsidiary, as part of <span class=\"_ _7\"></span>a combined share swap and primary investment <span class=\"_ _7\"></span>transaction (the Solv India transaction or <span class=\"_ _7\"></span>the </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs1fd\">transaction). The transaction has resulted in <span class=\"_ _7\"></span>the Group recognising Jumbotail Technologies Private Limited <span class=\"_ _7\"></span>as an associate. </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs1fe\">The carrying amount of the net <span class=\"_ _7\"></span>assets of SCRTIPL at the <span class=\"_ _7\"></span>date of the Solv India <span class=\"_ _7\"></span>transaction was $16 million. The <span class=\"_ _7\"></span>Group recognised </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs1ff\">a gain on the transaction of <span class=\"_ _7\"></span>$238 million. The consideration received in the <span class=\"_ _7\"></span>combined share swap was $344 million, <span class=\"_ _7\"></span>including </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs200\">a<span class=\"_ gs36\"> </span>primary cash investment of $80 million. <span class=\"_ _7\"></span>Disposal costs were approximately $9 million. </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs201\">The gain on disposal arose because <span class=\"_ _7\"></span>the carrying value of the subsidiary\u2019s net <span class=\"_ _7\"></span>assets was exceeded by the consideration </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs202\">received. No impairment of OCI balances <span class=\"_ _7\"></span>was required. The disposal has resulted in <span class=\"_ _7\"></span>the recycling of $3 million of <span class=\"_ _7\"></span>Currency </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs203\">Translation Adjustments to profit and loss. </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs204\">The Group elected to apply the <span class=\"_ _7\"></span>12-month measurement exemption to finalise the purchase <span class=\"_ _7\"></span>price allocation. The allocation </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs205\">is<span class=\"_ gs36\"> </span>incomplete at 31 December 2025 as <span class=\"_ _7\"></span>additional analysis is required to finalise the <span class=\"_ _7\"></span>nature and value of intangible assets.</div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfOtherOperatingIncomeExpenseExplanatory",
    "language": "en",
    "entity": "scheme:U4LOSYZ7YG4W3S5F2G91",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-681": {
   "value": "6. Other operating <span class=\"_ _1b\"></span>income<span class=\"_ _3eb\"> </span><table class=\"s w3c7 h22a\" id=\"_c2d15fa5-b976-470b-86ed-f7e729857fdd\"><tr><td></td><td class=\"t m0 x7ba h38 y6654 ff5 fs17 fc0 sc0 ls21 ws20\">2025<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x7bb h39 y6654 ff1 fs17 fc3 sc0 ls21 ws20\">2024<span class=\"_ _3eb\"> </span></td></tr><tr><td></td><td class=\"t m0 x7bc h38 y6655 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x7bd h2c y6655 ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"t m0 x221 h8 y6656 ff5 fs5 fc3 sc0 ls5 ws5\">Other operating income/(loss) includes:<span class=\"_ _3eb\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x1ee y6560 w3c8 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Rental income from operating lease assets<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7be y6560 w3c9 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">33<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7bf y6560 w38f h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">40<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6575 w3ca h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Net loss on disposal of fair value through other comprehensive income debt instruments<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7c0 y6575 w257 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(10)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7c1 y6575 w31d h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(237)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y658d w3cb h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">Net loss on amortised cost financial assets<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7c2 y658d w3cc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(43)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7c3 y658d w3cd h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(27)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y658e w3ce h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">Net gain/(loss) on sale of businesses<span class=\"_ _3eb\"> </span></div></td><td class=\"c x7c5 y658e w3cf h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">242</div><div class=\"t m0 x7c4 h93 y6657 ff6 fs1b fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c x7c7 y6658 w3d0 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(210)</div><div class=\"t m0 x7c6 h3c y65df ff1 fs1b fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6659 w3d1 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">Dividend income<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7c8 y6659 w3d2 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">10<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7c9 y6659 w40 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls0 ws0\">5<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y665a w3d3 h21c\"><div class=\"t m0 x1ed h3b y6600 ff1 fs5 fc3 sc0 ls5 ws5\">Other</div><div class=\"t m0 x7ca h3c y6601 ff1 fs1b fc3 sc0 ls0 ws0\">3<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x609 y6566 w3d4 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">212<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7cb y6566 w39b h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">257<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6567 w3d5 h203\"><div class=\"t m0 x1ed h3d y655f ff5 fs5 fc3 sc0 ls5 ws5\">Other operating income/(loss)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7cc y6567 w45 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">444<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7cd y6567 w46 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(172)<span class=\"_ _3eb\"> </span></div></td></tr></table>1 <span class=\"_ _b\"> </span><span class=\"ff4\">Includes $241 million gain from disposal of businesses ($238 million gain from Standard <span class=\"_ _7\"></span>Chartered Research and Technology India Private Limited; and <span class=\"_ _7\"></span>$13 million </span>gain from WRB business in SCB Tanzania, partly <span class=\"_ _7\"></span>offset by $5 million loss from Standard Chartered <span class=\"_ _7\"></span>Bank Gambia Limited and $5 million loss from <span class=\"_ _7\"></span>Standard Chartered Bank Cameroon S.A.) of which $20 million <span class=\"_ _7\"></span>relates to realisation of translation adjustment loss. Total <span class=\"_ _7\"></span>cash consideration received from the disposal was<span class=\"_ gs1a2\"> </span>$48 million ($13 million: SCB Tanzania, $6 million: <span class=\"_ _7\"></span>Standard Chartered Bank Gambia Limited, $29 million: Standard <span class=\"_ _7\"></span>Chartered Bank Cameroon S.A.<span class=\"_ _3eb\"> </span>2 <span class=\"_ _f\"> </span><span class=\"ff4\">2024 balance mainly includes loss on disposal of Africa subsidiaries $217 million <span class=\"_ _7\"></span>($172 million: SCB Zimbabwe Limited, $26 million: SCB <span class=\"_ _7\"></span>Angola S.A. and $19 million: </span>SCB Sierra Leone Limited) of which $246 million <span class=\"_ _7\"></span>relates to realisation of translation adjustment loss, partly <span class=\"_ _7\"></span>offset by gain of $17 million from disposal <span class=\"_ _7\"></span>of Venture entities (Shoal limited and Autumn life Pte. Ltd). <span class=\"_ _7\"></span>Total cash consideration received was $74 million ($24 <span class=\"_ _7\"></span>million: SCB Zimbabwe Limited, $10 million: SCB Angola <span class=\"_ _7\"></span>S.A., $17 million: SCB Sierra Leone Limited, $17 million: <span class=\"_ _7\"></span>Shoal Limited and $6 million: Autumn life Pte. <span class=\"_ _7\"></span>Ltd).<span class=\"_ _3eb\"> </span>3 <span class=\"_ _f\"> </span><span class=\"ff4\">2025 balance includes $133 million gain on disposal of property, plant and equipment, <span class=\"_ _7\"></span>IAS 29 adjustment Ghana hyperinflationary impact ($8 million) <span class=\"_ _7\"></span>and </span>immaterial balances across other geographies. 2024 <span class=\"_ _7\"></span>balance includes IAS 29 adjustment Ghana <span class=\"_ _7\"></span>hyperinflationary impact ($139 million), Research <span class=\"_ _7\"></span>and development expenditure credit ($32 million), Rebates/incentives received from VISA <span class=\"_ _7\"></span>card ($25 million), Gain on disposal of property, <span class=\"_ _7\"></span>plant and equipment ($23 million), Mark-to-market gains from deferred compensation income ($17 million), <span class=\"_ _7\"></span>and immaterial balances across other geographies.<span class=\"_ _3eb\"> </span>On 26 June 2025, the Group <span class=\"_ _7\"></span>disposed of its entire interest in Standard <span class=\"_ _7\"></span>Chartered Research and Technology India Private <span class=\"_ _7\"></span>Limited (SCRTIPL), a subsidiary, as part of <span class=\"_ _7\"></span>a combined share swap and primary investment <span class=\"_ _7\"></span>transaction (the Solv India transaction or <span class=\"_ _7\"></span>the transaction). The transaction has resulted in <span class=\"_ _7\"></span>the Group recognising Jumbotail Technologies Private Limited <span class=\"_ _7\"></span>as an associate. The carrying amount of the net <span class=\"_ _7\"></span>assets of SCRTIPL at the <span class=\"_ _7\"></span>date of the Solv India <span class=\"_ _7\"></span>transaction was $16 million. The <span class=\"_ _7\"></span>Group recognised a gain on the transaction of <span class=\"_ _7\"></span>$238 million. The consideration received in the <span class=\"_ _7\"></span>combined share swap was $344 million, <span class=\"_ _7\"></span>including a<span class=\"_ gs36\"> </span>primary cash investment of $80 million. <span class=\"_ _7\"></span>Disposal costs were approximately $9 million. The gain on disposal arose because <span class=\"_ _7\"></span>the carrying value of the subsidiary\u2019s net <span class=\"_ _7\"></span>assets was exceeded by the consideration received. No impairment of OCI balances <span class=\"_ _7\"></span>was required. The disposal has resulted in <span class=\"_ _7\"></span>the recycling of $3 million of <span class=\"_ _7\"></span>Currency Translation Adjustments to profit and loss. The Group elected to apply the <span class=\"_ _7\"></span>12-month measurement exemption to finalise the purchase <span class=\"_ _7\"></span>price allocation. The allocation is<span class=\"_ gs36\"> </span>incomplete at 31 December 2025 as <span class=\"_ _7\"></span>additional analysis is required to finalise the <span class=\"_ _7\"></span>nature and value of intangible assets.",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfOtherOperatingIncomeExplanatory",
    "language": "en",
    "entity": "scheme:U4LOSYZ7YG4W3S5F2G91",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-660": {
   "value": "<div class=\"t m0 hf ff8 fsb fc2 sc0 lsb ws9 gs207\">7. Operating expenses<span class=\"_ _3eb\"> </span></div><div class=\"gs1ee\"><table class=\"s w3d6 h22b\" id=\"_292f753c-d32d-47ae-b5cf-3eee8ab70cc9\"><tr><td></td><td class=\"t m0 x230 h38 y665b ff5 fs17 fc0 sc0 ls21 ws20\">2025<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x231 h39 y665b ff1 fs17 fc3 sc0 ls21 ws20\">2024<span class=\"_ _3eb\"> </span></td></tr><tr><td></td><td class=\"t m0 x233 h38 y665c ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x234 h2c y665c ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"t m0 x235 h8 y665d ff5 fs5 fc3 sc0 ls5 ws5\">Staff costs:<span class=\"_ _3eb\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x236 y665e w3d7 h1fe\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Wages and salaries<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7ce y665e w184 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">6,962<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7cf y665e w3d8 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">6,567<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x236 y665f w3d9 h1fe\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Social security costs<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7d0 y665f w3da h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">286<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7d1 y665f w3db h1ff\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">246<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x236 y6660 w3dc h1ff\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">Other pension costs (Note 30)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7d2 y6660 w3dd h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">518<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7d3 y6660 w3de h1fe\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">451<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x236 y6661 w3df h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">Share-based payment costs (Note 31)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7d4 y6661 w3e0 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">399<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7d5 y6661 w2bf h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">334<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x236 y6557 w3e1 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Other staff costs<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7d6 y6557 w3e2 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">944<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7d7 y6557 w3e3 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">912<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td class=\"c n x7d8 y6558 wed h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">9,109<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7d9 y6558 w2aa h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">8,510<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y658b w3e4 h201\"><div class=\"t m0 x1ed h3d y6548 ff5 fs5 fc3 sc0 ls5 ws5\">Premises and equipment expenses:<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7da y658b w162 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">434<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7db y658b w3e5 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">401<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x235 h8 y6662 ff5 fs5 fc3 sc0 ls5 ws5\">General administrative expenses:<span class=\"_ _3eb\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x236 y6571 w3e6 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">UK bank levy<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7dc y6571 w3e7 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">52<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7dd y6571 w3e8 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">90<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x236 y655c w3e9 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">Other general administrative expenses<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7de y655c w240 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">2,539<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7df y655c w26c h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">2,375<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td class=\"c n x7e0 y655d w3ea h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">2,591<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7e1 y655d w3eb h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">2,465<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x235 h8 y6663 ff5 fs5 fc3 sc0 ls5 ws5\">Depreciation and amortisation:</td><td></td><td></td></tr><tr><td class=\"t m0 x235 h1a y6664 ff4 fs5 fc3 sc0 ls5 ws5\"> <span class=\"_ _e\"> </span>Property, plant and equipment:<span class=\"_ _3eb\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x7e2 y6560 w3ec h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws66\">Premises<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7e3 y6560 w3ed h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">315<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7e4 y6560 w395 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">299<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x7e2 y6575 w3ee h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws66\">Equipment<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7e5 y6575 w1a6 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">166<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7e6 y6575 w3ef h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">128</div></td></tr><tr><td class=\"t m0 x235 h1a y6665 ff4 fs5 fc3 sc0 ls5 ws5\"> <span class=\"_ _e\"> </span>Intangibles:<span class=\"_ _3eb\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x7e2 y658e w3f0 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws66\">Software<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7e7 y658e w3f1 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">687<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7e8 y658e w3f2 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">695<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x7e9 y6659 w3f3 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">Acquired on business combinations<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7ea y6659 w3f4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7eb y6659 w3c h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls0 ws0\">4<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td class=\"c n x7ec y6566 w334 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">1,170<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7ed y6566 w62 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">1,126<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6567 w3f5 h201\"><div class=\"t m0 x1ed h3d y6548 ff5 fs5 fc3 sc0 ls5 ws5\">Total operating expenses<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7ee y6567 w3f6 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">13,304<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7ef y6567 w3f7 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">12,502<span class=\"_ _3eb\"> </span></div></td></tr></table></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs208\">Other staff costs include redundancy expenses <span class=\"_ _7\"></span>of $193 million (31 December 2024: $186 <span class=\"_ _7\"></span>million). Further costs in this category </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs209\">include training, travel costs and other <span class=\"_ _7\"></span>staff-related costs. The Group has recognised $15 <span class=\"_ _7\"></span>million of accelerated share based </div><div class=\"t m0 h9 ff1 fs2 fc3 sc0 ls2 ws0 gs20a\">payment expense relating to the amendment of vesting schedules as allowed for by the PRA Policy Statement on Remuneration </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs20b\">Reform (dated 15 October 2025).<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls31 ws30 gs20c\">Details of directors\u2019 <span class=\"_ _1b\"></span>pay, benefits, pensions and interests <span class=\"_ _7\"></span>in shares <span class=\"_ _7\"></span>are disclosed in <span class=\"_ _1b\"></span>the Directors\u2019 remuneration report on <span class=\"_ _7\"></span>page 180.<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs20d\">Transactions with directors, officers and other <span class=\"_ _7\"></span>related parties are disclosed in Note 36.<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs20e\">Operating expenses include research expenditures of <span class=\"_ _7\"></span>$1,210 million (31 December 2024: $1,187 million), <span class=\"_ _7\"></span>which was recognised </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs20f\">as<span class=\"_ gs36\"> </span>an expense in the year. In <span class=\"_ _7\"></span>addition to this, there was a provision <span class=\"_ _7\"></span>relating to the Korea equity-linked securities <span class=\"_ _7\"></span>and the </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs210\">settlement of a litigation matter.<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs211\">The UK bank levy is applied <span class=\"_ _7\"></span>to chargeable equity and liabilities on the <span class=\"_ _7\"></span>balance sheet of UK operations. Key <span class=\"_ _7\"></span>exclusions from </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs212\">chargeable equity and liabilities include Tier <span class=\"_ _7\"></span>1 capital, insured or guaranteed retail deposits, <span class=\"_ _7\"></span>repos secured on certain sovereign </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls41 ws45 gs213\">debt and liabilities <span class=\"_ _7\"></span>subject to netting. <span class=\"_ _7\"></span>The rates are <span class=\"_ _7\"></span>0.10 per cent <span class=\"_ _1b\"></span>for short-term liabilities and 0.05 per <span class=\"_ _7\"></span>cent for long-term <span class=\"_ _1b\"></span>liabilities.<span class=\"_ _3eb\"> </span></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfOtherOperatingExpenseExplanatory",
    "language": "en",
    "entity": "scheme:U4LOSYZ7YG4W3S5F2G91",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-702": {
   "value": "7. Operating expenses<span class=\"_ _3eb\"> </span><table class=\"s w3d6 h22b\" id=\"_292f753c-d32d-47ae-b5cf-3eee8ab70cc9\"><tr><td></td><td class=\"t m0 x230 h38 y665b ff5 fs17 fc0 sc0 ls21 ws20\">2025<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x231 h39 y665b ff1 fs17 fc3 sc0 ls21 ws20\">2024<span class=\"_ _3eb\"> </span></td></tr><tr><td></td><td class=\"t m0 x233 h38 y665c ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x234 h2c y665c ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"t m0 x235 h8 y665d ff5 fs5 fc3 sc0 ls5 ws5\">Staff costs:<span class=\"_ _3eb\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x236 y665e w3d7 h1fe\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Wages and salaries<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7ce y665e w184 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">6,962<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7cf y665e w3d8 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">6,567<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x236 y665f w3d9 h1fe\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Social security costs<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7d0 y665f w3da h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">286<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7d1 y665f w3db h1ff\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">246<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x236 y6660 w3dc h1ff\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">Other pension costs (Note 30)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7d2 y6660 w3dd h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">518<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7d3 y6660 w3de h1fe\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">451<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x236 y6661 w3df h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">Share-based payment costs (Note 31)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7d4 y6661 w3e0 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">399<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7d5 y6661 w2bf h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">334<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x236 y6557 w3e1 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Other staff costs<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7d6 y6557 w3e2 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">944<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7d7 y6557 w3e3 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">912<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td class=\"c n x7d8 y6558 wed h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">9,109<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7d9 y6558 w2aa h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">8,510<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y658b w3e4 h201\"><div class=\"t m0 x1ed h3d y6548 ff5 fs5 fc3 sc0 ls5 ws5\">Premises and equipment expenses:<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7da y658b w162 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">434<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7db y658b w3e5 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">401<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x235 h8 y6662 ff5 fs5 fc3 sc0 ls5 ws5\">General administrative expenses:<span class=\"_ _3eb\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x236 y6571 w3e6 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">UK bank levy<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7dc y6571 w3e7 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">52<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7dd y6571 w3e8 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">90<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x236 y655c w3e9 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">Other general administrative expenses<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7de y655c w240 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">2,539<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7df y655c w26c h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">2,375<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td class=\"c n x7e0 y655d w3ea h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">2,591<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7e1 y655d w3eb h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">2,465<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x235 h8 y6663 ff5 fs5 fc3 sc0 ls5 ws5\">Depreciation and amortisation:</td><td></td><td></td></tr><tr><td class=\"t m0 x235 h1a y6664 ff4 fs5 fc3 sc0 ls5 ws5\"> <span class=\"_ _e\"> </span>Property, plant and equipment:<span class=\"_ _3eb\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x7e2 y6560 w3ec h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws66\">Premises<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7e3 y6560 w3ed h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">315<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7e4 y6560 w395 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">299<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x7e2 y6575 w3ee h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws66\">Equipment<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7e5 y6575 w1a6 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">166<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7e6 y6575 w3ef h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">128</div></td></tr><tr><td class=\"t m0 x235 h1a y6665 ff4 fs5 fc3 sc0 ls5 ws5\"> <span class=\"_ _e\"> </span>Intangibles:<span class=\"_ _3eb\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x7e2 y658e w3f0 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws66\">Software<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7e7 y658e w3f1 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">687<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7e8 y658e w3f2 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">695<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x7e9 y6659 w3f3 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">Acquired on business combinations<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7ea y6659 w3f4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7eb y6659 w3c h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls0 ws0\">4<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td class=\"c n x7ec y6566 w334 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">1,170<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7ed y6566 w62 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">1,126<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6567 w3f5 h201\"><div class=\"t m0 x1ed h3d y6548 ff5 fs5 fc3 sc0 ls5 ws5\">Total operating expenses<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7ee y6567 w3f6 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">13,304<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7ef y6567 w3f7 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">12,502<span class=\"_ _3eb\"> </span></div></td></tr></table>Other staff costs include redundancy expenses <span class=\"_ _7\"></span>of $193 million (31 December 2024: $186 <span class=\"_ _7\"></span>million). Further costs in this category include training, travel costs and other <span class=\"_ _7\"></span>staff-related costs. The Group has recognised $15 <span class=\"_ _7\"></span>million of accelerated share based payment expense relating to the amendment of vesting schedules as allowed for by the PRA Policy Statement on Remuneration Reform (dated 15 October 2025).<span class=\"_ _3eb\"> </span>Details of directors\u2019 <span class=\"_ _1b\"></span>pay, benefits, pensions and interests <span class=\"_ _7\"></span>in shares <span class=\"_ _7\"></span>are disclosed in <span class=\"_ _1b\"></span>the Directors\u2019 remuneration report on <span class=\"_ _7\"></span>page 180.<span class=\"_ _3eb\"> </span>Transactions with directors, officers and other <span class=\"_ _7\"></span>related parties are disclosed in Note 36.<span class=\"_ _3eb\"> </span>Operating expenses include research expenditures of <span class=\"_ _7\"></span>$1,210 million (31 December 2024: $1,187 million), <span class=\"_ _7\"></span>which was recognised as<span class=\"_ gs36\"> </span>an expense in the year. In <span class=\"_ _7\"></span>addition to this, there was a provision <span class=\"_ _7\"></span>relating to the Korea equity-linked securities <span class=\"_ _7\"></span>and the settlement of a litigation matter.<span class=\"_ _3eb\"> </span>The UK bank levy is applied <span class=\"_ _7\"></span>to chargeable equity and liabilities on the <span class=\"_ _7\"></span>balance sheet of UK operations. Key <span class=\"_ _7\"></span>exclusions from chargeable equity and liabilities include Tier <span class=\"_ _7\"></span>1 capital, insured or guaranteed retail deposits, <span class=\"_ _7\"></span>repos secured on certain sovereign debt and liabilities <span class=\"_ _7\"></span>subject to netting. <span class=\"_ _7\"></span>The rates are <span class=\"_ _7\"></span>0.10 per cent <span class=\"_ _1b\"></span>for short-term liabilities and 0.05 per <span class=\"_ _7\"></span>cent for long-term <span class=\"_ _1b\"></span>liabilities.<span class=\"_ _3eb\"> </span>38. Auditor\u2019s remuneration<span class=\"_ _3eb\"> </span>Auditor\u2019s remuneration is included within other <span class=\"_ _7\"></span>general administration expenses. The amounts paid by <span class=\"_ _7\"></span>the Group to their principal auditor, Ernst &amp; Young LLP <span class=\"_ _7\"></span>and its associates (together Ernst &amp; Young <span class=\"_ _7\"></span>LLP), are set out below. All <span class=\"_ _7\"></span>services are approved by the Group Audit Committee and are subject to controls to ensure the external auditor\u2019s independence is unaffected by the provision of other services.<span class=\"_ _3eb\"> </span><table class=\"s wf25 h2ba\" id=\"_110ddd80-ddd3-4c4c-b531-e01e4bcc2853\"><tr><td></td><td class=\"t m0 x1e8 h38 y6b5c ff5 fs17 fc0 sc0 ls21 ws20\">2025<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1e9 h39 y6b5c ff1 fs17 fc3 sc0 ls21 ws20\">2024<span class=\"_ _3eb\"> </span></td></tr><tr><td></td><td class=\"t m0 x1eb h38 y6b5d ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1ec h2c y6b5d ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c n x1ee y655a wf26 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Audit fees for the Group statutory audit<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1c88 y655a w9e0 h203\"><div class=\"t m0 x1ed h3d y655f ff7 fs5 fc3 sc0 ls5 ws5\">36.9<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1c89 y655a wa82 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">31.3<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y655b wf27 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Of which fees for the audit of Standard Chartered Bank Group<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1c8a y655b wf28 h203\"><div class=\"t m0 x1ed h3d y655f ff7 fs5 fc3 sc0 ls5 ws5\">27.3<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x69a y655b wf29 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">23.2<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x221 h1a y6b5e ff4 fs5 fc3 sc0 ls5 ws5\">Fees payable to EY for other services <span class=\"_ _7\"></span>provided to the SC PLC Group:<span class=\"_ _3eb\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x1ee y655d wf2a h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">Audit of Standard Chartered PLC subsidiaries<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1c8b y655d wf2b h203\"><div class=\"t m0 x1ed h3d y655f ff7 fs5 fc3 sc0 ls5 ws5\">14.5<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1c8c y655d wf2c h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">13.5<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6573 wf2d h203\"><div class=\"t m0 x1ed h3d y655f ff5 fs5 fc3 sc0 ls5 ws5\">Total audit fees<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1c8d y6573 wf2b h203\"><div class=\"t m0 x1ed h3d y655f ff7 fs5 fc3 sc0 ls5 ws5\">51.4<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1c8e y6573 w481 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">44.8<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6646 wf2e h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Audit-related assurance services<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1c8f y6646 w15c h203\"><div class=\"t m0 x1ed h3d y655f ff7 fs5 fc3 sc0 ls5 ws5\">7.7<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1c90 y6646 wf2f h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">6.6<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6561 wf30 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Other assurance services<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1c91 y6561 wf31 h203\"><div class=\"t m0 x1ed h3d y655f ff7 fs5 fc3 sc0 ls5 ws5\">5.8<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1c92 y6561 wf32 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">5.4<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6562 wf33 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Other non-audit services<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x80a y6562 wa7e h203\"><div class=\"t m0 x1ed h3d y655f ff7 fs5 fc3 sc0 ls5 ws5\">1.3<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1c93 y6562 w44d h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">0.4<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6610 wf34 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Transaction related services<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1c94 y6610 wf35 h203\"><div class=\"t m0 x1ed h3d y655f ff7 fs5 fc3 sc0 ls5 ws5\">0.6<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1c95 y6610 w356 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">0.6<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6577 wf36 h203\"><div class=\"t m0 x1ed h3d y655f ff5 fs5 fc3 sc0 ls5 ws5\">Total non-audit fees<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1c96 y6577 wf2b h203\"><div class=\"t m0 x1ed h3d y655f ff7 fs5 fc3 sc0 ls5 ws5\">15.4<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1c97 y6577 wa7a h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">13.0<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6567 wf37 h203\"><div class=\"t m0 x1ed h3d y655f ff5 fs5 fc3 sc0 ls5 ws5\">Total fees payable<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1c98 y6567 w6f5 h203\"><div class=\"t m0 x1ed h3d y655f ff7 fs5 fc3 sc0 ls5 ws5\">66.8<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1c99 y6567 wb9 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">57.8<span class=\"_ _3eb\"> </span></div></td></tr></table>The following is a description of <span class=\"_ _7\"></span>the type of services included within the <span class=\"_ _7\"></span>categories listed above: <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ls2\">Audit fees for the Group statutory audit are in respect of fees payable to Ernst &amp; Young LLP for the statutory audit of<span class=\"_ _11\"></span> </span>the<span class=\"_ gs36\"> </span>consolidated financial statements of the Group <span class=\"_ _7\"></span>and the separate financial statements of Standard <span class=\"_ _7\"></span>Chartered PLC  <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ls2\">Audit-related fees consist of fees such as those for services required by law or regulation to be provided by the auditor,<span class=\"_ _11\"></span> </span>reviews of interim financial information, reporting <span class=\"_ _7\"></span>on regulatory returns, reporting to a regulator <span class=\"_ _7\"></span>on client assets and extended work performed over financial information <span class=\"_ _7\"></span>and controls authorised by those charged with <span class=\"_ _7\"></span>governance <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">Other assurance services include agreed-upon-procedures in relation to statutory and regulatory filings</span> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">Transaction related services are fees payable to Ernst &amp; Young LLP for <span class=\"_ _7\"></span>issuing comfort letters </span>Expenses incurred in respect of their <span class=\"_ _7\"></span>role as auditor, were reimbursed to EY <span class=\"_ _7\"></span>LLP $1 million (2024: $1 million).",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfExpensesExplanatory",
    "language": "en",
    "entity": "scheme:U4LOSYZ7YG4W3S5F2G91",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-682": {
   "value": "<table class=\"s w3d6 h22b\" id=\"_292f753c-d32d-47ae-b5cf-3eee8ab70cc9\"><tr><td></td><td class=\"t m0 x230 h38 y665b ff5 fs17 fc0 sc0 ls21 ws20\">2025<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x231 h39 y665b ff1 fs17 fc3 sc0 ls21 ws20\">2024<span class=\"_ _3eb\"> </span></td></tr><tr><td></td><td class=\"t m0 x233 h38 y665c ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x234 h2c y665c ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"t m0 x235 h8 y665d ff5 fs5 fc3 sc0 ls5 ws5\">Staff costs:<span class=\"_ _3eb\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x236 y665e w3d7 h1fe\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Wages and salaries<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7ce y665e w184 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">6,962<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7cf y665e w3d8 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">6,567<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x236 y665f w3d9 h1fe\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Social security costs<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7d0 y665f w3da h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">286<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7d1 y665f w3db h1ff\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">246<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x236 y6660 w3dc h1ff\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">Other pension costs (Note 30)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7d2 y6660 w3dd h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">518<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7d3 y6660 w3de h1fe\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">451<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x236 y6661 w3df h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">Share-based payment costs (Note 31)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7d4 y6661 w3e0 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">399<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7d5 y6661 w2bf h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">334<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x236 y6557 w3e1 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Other staff costs<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7d6 y6557 w3e2 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">944<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7d7 y6557 w3e3 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">912<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td class=\"c n x7d8 y6558 wed h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">9,109<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7d9 y6558 w2aa h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">8,510<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y658b w3e4 h201\"><div class=\"t m0 x1ed h3d y6548 ff5 fs5 fc3 sc0 ls5 ws5\">Premises and equipment expenses:<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7da y658b w162 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">434<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7db y658b w3e5 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">401<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x235 h8 y6662 ff5 fs5 fc3 sc0 ls5 ws5\">General administrative expenses:<span class=\"_ _3eb\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x236 y6571 w3e6 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">UK bank levy<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7dc y6571 w3e7 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">52<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7dd y6571 w3e8 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">90<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x236 y655c w3e9 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">Other general administrative expenses<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7de y655c w240 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">2,539<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7df y655c w26c h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">2,375<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td class=\"c n x7e0 y655d w3ea h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">2,591<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7e1 y655d w3eb h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">2,465<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x235 h8 y6663 ff5 fs5 fc3 sc0 ls5 ws5\">Depreciation and amortisation:</td><td></td><td></td></tr><tr><td class=\"t m0 x235 h1a y6664 ff4 fs5 fc3 sc0 ls5 ws5\"> <span class=\"_ _e\"> </span>Property, plant and equipment:<span class=\"_ _3eb\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x7e2 y6560 w3ec h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws66\">Premises<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7e3 y6560 w3ed h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">315<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7e4 y6560 w395 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">299<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x7e2 y6575 w3ee h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws66\">Equipment<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7e5 y6575 w1a6 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">166<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7e6 y6575 w3ef h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">128</div></td></tr><tr><td class=\"t m0 x235 h1a y6665 ff4 fs5 fc3 sc0 ls5 ws5\"> <span class=\"_ _e\"> </span>Intangibles:<span class=\"_ _3eb\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x7e2 y658e w3f0 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws66\">Software<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7e7 y658e w3f1 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">687<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7e8 y658e w3f2 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">695<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x7e9 y6659 w3f3 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">Acquired on business combinations<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7ea y6659 w3f4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7eb y6659 w3c h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls0 ws0\">4<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td class=\"c n x7ec y6566 w334 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">1,170<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7ed y6566 w62 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">1,126<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6567 w3f5 h201\"><div class=\"t m0 x1ed h3d y6548 ff5 fs5 fc3 sc0 ls5 ws5\">Total operating expenses<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7ee y6567 w3f6 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">13,304<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7ef y6567 w3f7 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">12,502<span class=\"_ _3eb\"> </span></div></td></tr></table>Other staff costs include redundancy expenses <span class=\"_ _7\"></span>of $193 million (31 December 2024: $186 <span class=\"_ _7\"></span>million). Further costs in this category include training, travel costs and other <span class=\"_ _7\"></span>staff-related costs. The Group has recognised $15 <span class=\"_ _7\"></span>million of accelerated share based payment expense relating to the amendment of vesting schedules as allowed for by the PRA Policy Statement on Remuneration Reform (dated 15 October 2025).<span class=\"_ _3eb\"> </span>Details of directors\u2019 <span class=\"_ _1b\"></span>pay, benefits, pensions and interests <span class=\"_ _7\"></span>in shares <span class=\"_ _7\"></span>are disclosed in <span class=\"_ _1b\"></span>the Directors\u2019 remuneration report on <span class=\"_ _7\"></span>page 180.<span class=\"_ _3eb\"> </span>Transactions with directors, officers and other <span class=\"_ _7\"></span>related parties are disclosed in Note 36.<span class=\"_ _3eb\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfInformationAboutEmployeesExplanatory",
    "language": "en",
    "entity": "scheme:U4LOSYZ7YG4W3S5F2G91",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-689": {
   "value": "<table class=\"s w3d6 h22b\" id=\"_292f753c-d32d-47ae-b5cf-3eee8ab70cc9\"><tr><td></td><td class=\"t m0 x230 h38 y665b ff5 fs17 fc0 sc0 ls21 ws20\">2025<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x231 h39 y665b ff1 fs17 fc3 sc0 ls21 ws20\">2024<span class=\"_ _3eb\"> </span></td></tr><tr><td></td><td class=\"t m0 x233 h38 y665c ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x234 h2c y665c ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"t m0 x235 h8 y665d ff5 fs5 fc3 sc0 ls5 ws5\">Staff costs:<span class=\"_ _3eb\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x236 y665e w3d7 h1fe\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Wages and salaries<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7ce y665e w184 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">6,962<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7cf y665e w3d8 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">6,567<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x236 y665f w3d9 h1fe\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Social security costs<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7d0 y665f w3da h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">286<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7d1 y665f w3db h1ff\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">246<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x236 y6660 w3dc h1ff\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">Other pension costs (Note 30)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7d2 y6660 w3dd h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">518<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7d3 y6660 w3de h1fe\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">451<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x236 y6661 w3df h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">Share-based payment costs (Note 31)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7d4 y6661 w3e0 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">399<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7d5 y6661 w2bf h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">334<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x236 y6557 w3e1 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Other staff costs<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7d6 y6557 w3e2 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">944<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7d7 y6557 w3e3 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">912<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td class=\"c n x7d8 y6558 wed h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">9,109<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7d9 y6558 w2aa h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">8,510<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y658b w3e4 h201\"><div class=\"t m0 x1ed h3d y6548 ff5 fs5 fc3 sc0 ls5 ws5\">Premises and equipment expenses:<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7da y658b w162 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">434<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7db y658b w3e5 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">401<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x235 h8 y6662 ff5 fs5 fc3 sc0 ls5 ws5\">General administrative expenses:<span class=\"_ _3eb\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x236 y6571 w3e6 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">UK bank levy<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7dc y6571 w3e7 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">52<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7dd y6571 w3e8 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">90<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x236 y655c w3e9 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">Other general administrative expenses<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7de y655c w240 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">2,539<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7df y655c w26c h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">2,375<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td class=\"c n x7e0 y655d w3ea h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">2,591<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7e1 y655d w3eb h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">2,465<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x235 h8 y6663 ff5 fs5 fc3 sc0 ls5 ws5\">Depreciation and amortisation:</td><td></td><td></td></tr><tr><td class=\"t m0 x235 h1a y6664 ff4 fs5 fc3 sc0 ls5 ws5\"> <span class=\"_ _e\"> </span>Property, plant and equipment:<span class=\"_ _3eb\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x7e2 y6560 w3ec h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws66\">Premises<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7e3 y6560 w3ed h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">315<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7e4 y6560 w395 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">299<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x7e2 y6575 w3ee h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws66\">Equipment<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7e5 y6575 w1a6 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">166<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7e6 y6575 w3ef h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">128</div></td></tr><tr><td class=\"t m0 x235 h1a y6665 ff4 fs5 fc3 sc0 ls5 ws5\"> <span class=\"_ _e\"> </span>Intangibles:<span class=\"_ _3eb\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x7e2 y658e w3f0 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws66\">Software<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7e7 y658e w3f1 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">687<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7e8 y658e w3f2 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">695<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x7e9 y6659 w3f3 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">Acquired on business combinations<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7ea y6659 w3f4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7eb y6659 w3c h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls0 ws0\">4<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td class=\"c n x7ec y6566 w334 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">1,170<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7ed y6566 w62 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">1,126<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6567 w3f5 h201\"><div class=\"t m0 x1ed h3d y6548 ff5 fs5 fc3 sc0 ls5 ws5\">Total operating expenses<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7ee y6567 w3f6 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">13,304<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7ef y6567 w3f7 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">12,502<span class=\"_ _3eb\"> </span></div></td></tr></table>Other staff costs include redundancy expenses <span class=\"_ _7\"></span>of $193 million (31 December 2024: $186 <span class=\"_ _7\"></span>million). Further costs in this category include training, travel costs and other <span class=\"_ _7\"></span>staff-related costs. The Group has recognised $15 <span class=\"_ _7\"></span>million of accelerated share based payment expense relating to the amendment of vesting schedules as allowed for by the PRA Policy Statement on Remuneration Reform (dated 15 October 2025).<span class=\"_ _3eb\"> </span>Details of directors\u2019 <span class=\"_ _1b\"></span>pay, benefits, pensions and interests <span class=\"_ _7\"></span>in shares <span class=\"_ _7\"></span>are disclosed in <span class=\"_ _1b\"></span>the Directors\u2019 remuneration report on <span class=\"_ _7\"></span>page 180.<span class=\"_ _3eb\"> </span>Transactions with directors, officers and other <span class=\"_ _7\"></span>related parties are disclosed in Note 36.<span class=\"_ _3eb\"> </span>Operating expenses include research expenditures of <span class=\"_ _7\"></span>$1,210 million (31 December 2024: $1,187 million), <span class=\"_ _7\"></span>which was recognised as<span class=\"_ gs36\"> </span>an expense in the year. In <span class=\"_ _7\"></span>addition to this, there was a provision <span class=\"_ _7\"></span>relating to the Korea equity-linked securities <span class=\"_ _7\"></span>and the settlement of a litigation matter.<span class=\"_ _3eb\"> </span>The UK bank levy is applied <span class=\"_ _7\"></span>to chargeable equity and liabilities on the <span class=\"_ _7\"></span>balance sheet of UK operations. Key <span class=\"_ _7\"></span>exclusions from chargeable equity and liabilities include Tier <span class=\"_ _7\"></span>1 capital, insured or guaranteed retail deposits, <span class=\"_ _7\"></span>repos secured on certain sovereign debt and liabilities <span class=\"_ _7\"></span>subject to netting. <span class=\"_ _7\"></span>The rates are <span class=\"_ _7\"></span>0.10 per cent <span class=\"_ _1b\"></span>for short-term liabilities and 0.05 per <span class=\"_ _7\"></span>cent for long-term <span class=\"_ _1b\"></span>liabilities.<span class=\"_ _3eb\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfGeneralAndAdministrativeExpenseExplanatory",
    "language": "en",
    "entity": "scheme:U4LOSYZ7YG4W3S5F2G91",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-700": {
   "value": "<table class=\"s w3d6 h22b\" id=\"_292f753c-d32d-47ae-b5cf-3eee8ab70cc9\"><tr><td></td><td class=\"t m0 x230 h38 y665b ff5 fs17 fc0 sc0 ls21 ws20\">2025<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x231 h39 y665b ff1 fs17 fc3 sc0 ls21 ws20\">2024<span class=\"_ _3eb\"> </span></td></tr><tr><td></td><td class=\"t m0 x233 h38 y665c ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x234 h2c y665c ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"t m0 x235 h8 y665d ff5 fs5 fc3 sc0 ls5 ws5\">Staff costs:<span class=\"_ _3eb\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x236 y665e w3d7 h1fe\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Wages and salaries<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7ce y665e w184 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">6,962<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7cf y665e w3d8 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">6,567<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x236 y665f w3d9 h1fe\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Social security costs<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7d0 y665f w3da h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">286<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7d1 y665f w3db h1ff\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">246<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x236 y6660 w3dc h1ff\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">Other pension costs (Note 30)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7d2 y6660 w3dd h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">518<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7d3 y6660 w3de h1fe\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">451<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x236 y6661 w3df h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">Share-based payment costs (Note 31)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7d4 y6661 w3e0 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">399<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7d5 y6661 w2bf h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">334<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x236 y6557 w3e1 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Other staff costs<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7d6 y6557 w3e2 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">944<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7d7 y6557 w3e3 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">912<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td class=\"c n x7d8 y6558 wed h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">9,109<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7d9 y6558 w2aa h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">8,510<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y658b w3e4 h201\"><div class=\"t m0 x1ed h3d y6548 ff5 fs5 fc3 sc0 ls5 ws5\">Premises and equipment expenses:<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7da y658b w162 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">434<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7db y658b w3e5 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">401<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x235 h8 y6662 ff5 fs5 fc3 sc0 ls5 ws5\">General administrative expenses:<span class=\"_ _3eb\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x236 y6571 w3e6 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">UK bank levy<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7dc y6571 w3e7 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">52<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7dd y6571 w3e8 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">90<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x236 y655c w3e9 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">Other general administrative expenses<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7de y655c w240 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">2,539<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7df y655c w26c h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">2,375<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td class=\"c n x7e0 y655d w3ea h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">2,591<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7e1 y655d w3eb h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">2,465<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x235 h8 y6663 ff5 fs5 fc3 sc0 ls5 ws5\">Depreciation and amortisation:</td><td></td><td></td></tr><tr><td class=\"t m0 x235 h1a y6664 ff4 fs5 fc3 sc0 ls5 ws5\"> <span class=\"_ _e\"> </span>Property, plant and equipment:<span class=\"_ _3eb\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x7e2 y6560 w3ec h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws66\">Premises<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7e3 y6560 w3ed h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">315<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7e4 y6560 w395 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">299<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x7e2 y6575 w3ee h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws66\">Equipment<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7e5 y6575 w1a6 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">166<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7e6 y6575 w3ef h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">128</div></td></tr><tr><td class=\"t m0 x235 h1a y6665 ff4 fs5 fc3 sc0 ls5 ws5\"> <span class=\"_ _e\"> </span>Intangibles:<span class=\"_ _3eb\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x7e2 y658e w3f0 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws66\">Software<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7e7 y658e w3f1 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">687<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7e8 y658e w3f2 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">695<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x7e9 y6659 w3f3 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">Acquired on business combinations<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7ea y6659 w3f4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7eb y6659 w3c h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls0 ws0\">4<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td class=\"c n x7ec y6566 w334 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">1,170<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7ed y6566 w62 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">1,126<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6567 w3f5 h201\"><div class=\"t m0 x1ed h3d y6548 ff5 fs5 fc3 sc0 ls5 ws5\">Total operating expenses<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7ee y6567 w3f6 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">13,304<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7ef y6567 w3f7 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">12,502<span class=\"_ _3eb\"> </span></div></td></tr></table>18. Property, plant <span class=\"_ _1b\"></span>and equipment<span class=\"_ _3eb\"> </span>Accounting policy<span class=\"_ _3eb\"> </span>All property, plant and equipment is <span class=\"_ _7\"></span>stated at cost less accumulated depreciation and <span class=\"_ _7\"></span>impairment losses. Land and buildings comprise mainly branches <span class=\"_ _7\"></span>and offices. Freehold land is not depreciated <span class=\"_ _7\"></span>although it is subject to<span class=\"_ gs36\"> </span>impairment testing. Depreciation on other assets is calculated <span class=\"_ _7\"></span>using the straight-line method to allocate their <span class=\"_ _7\"></span>cost to their residual values over their estimated useful lives, as follows:  <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ls2\">Owned premises<span class=\"_ _20c\"> </span></span> <span class=\"_ _190\"></span>\u2022<span class=\"_ _71\"> </span><span class=\"ls2\">up to 50 years</span> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ls2\">Leasehold premises<span class=\"_ _1e5\"> </span></span> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ls2\">up to 50 years</span> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ls2\">Leasehold improvements<span class=\"_ _11\"></span> <span class=\"_ _133\"> </span></span> <span class=\"_ _190\"></span>\u2022<span class=\"_ _71\"> </span><span class=\"ff4 ls2 ws1\">Shorter of remaining lease term and 10 years</span> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ls2\">Equipment and motor vehicles<span class=\"_ _11\"></span> <span class=\"_ _df\"> </span></span> <span class=\"_ _190\"></span>\u2022<span class=\"_ _71\"> </span><span class=\"ls2\">three to 15 years<span class=\"_ _3eb\"> </span></span>Where the Group is a lessee <span class=\"_ _7\"></span>of a right-of-use asset, the leased assets <span class=\"_ _7\"></span>are capitalised and included in Property, <span class=\"_ _7\"></span>plant and equipment with a corresponding liability to <span class=\"_ _7\"></span>the lessor recognised in other liabilities. The <span class=\"_ _7\"></span>accounting policy for lease assets is<span class=\"_ gs36\"> </span>set out in Note 19.<span class=\"_ _3eb\"> </span><table class=\"s w4b8 h274\" id=\"_bb35fedf-13ea-41d7-b9e2-53c9ded8a0cb\"><tr><td></td><td></td><td></td><td class=\"c n x6b4 y698b w306 h215\"><div class=\"t m0 x1ed h38 y6563 ff5 fs17 fc0 sc0 ls21 ws20\">2025<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td></td><td></td><td class=\"c n x14ae y698b w307 h205\"><div class=\"t m0 x1ed h38 y6563 ff1 fs17 fc3 sc0 ls21 ws20\">2024<span class=\"_ _3eb\"> </span></div></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td class=\"t m0 x2ef h38 y698c ff5 fs17 fc0 sc0 ls21 ws20\">Leased<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x14af h38 y698c ff5 fs17 fc0 sc0 ls21 ws20\">Leased<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td class=\"t m0 x870 h39 y698c ff1 fs17 fc3 sc0 ls21 ws20\">Leased<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x2ea h39 y698c ff1 fs17 fc3 sc0 ls21 ws20\">Leased</td><td></td></tr><tr><td></td><td></td><td></td><td class=\"t m0 x14b0 h38 y698d ff5 fs17 fc0 sc0 ls21 ws20\"> premises</td><td class=\"t m0 x2d2 h38 y698d ff5 fs17 fc0 sc0 ls21 ws20\"> equipment </td><td></td><td></td><td></td><td class=\"t m0 x14b1 h39 y698d ff1 fs17 fc3 sc0 ls21 ws0\"> premises</td><td class=\"t m0 x96e h39 y698d ff1 fs17 fc3 sc0 ls21 ws0\"> equipment </td><td></td></tr><tr><td></td><td class=\"t m0 x2cf h38 y698e ff5 fs17 fc0 sc0 ls21 ws20\">Premises<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x14b2 h38 y698e ff5 fs17 fc0 sc0 ls21 ws20\">Equipment</td><td class=\"t m0 x2df h38 y698e ff2 fs17 fc0 sc0 ls21 ws0\"> assets<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x14b3 h38 y698e ff2 fs17 fc0 sc0 ls21 ws20\">assets<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x6c3 h38 y698e ff5 fs17 fc0 sc0 ls21 ws20\">Total<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x6b7 h39 y698e ff1 fs17 fc3 sc0 ls21 ws20\">Premises<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x13ea h39 y698e ff1 fs17 fc3 sc0 ls21 ws20\">Equipment</td><td class=\"t m0 xc2a h39 y698e ff1 fs17 fc3 sc0 ls21 ws0\"> assets<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x14b4 h39 y698e ff1 fs17 fc3 sc0 ls21 ws20\">assets<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x6cb h39 y698e ff1 fs17 fc3 sc0 ls21 ws20\">Total<span class=\"_ _3eb\"> </span></td></tr><tr><td></td><td class=\"t m0 x14b5 h38 y698f ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x66e h38 y698f ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x4bc h38 y698f ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xc2c h38 y698f ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x670 h38 y698f ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x14b6 h2c y698f ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x14b7 h2c y698f ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x14b8 h2c y698f ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xc2f h2c y698f ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x234 h2c y698f ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"t m0 x235 h3b y6990 ff1 fs5 fc3 sc0 ls5 ws0\">Cost or valuation<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y65e9 wa4e h1fe\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">At 1 January<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x14b9 y65e9 wa96 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">1,726<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x14ba y65e9 wa97 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">936<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x14bb y65e9 wa98 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">2,026<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x14bc y65e9 w15f h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">163<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x14bd y65e9 wa99 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">4,851<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x14be y65e9 w8b1 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">1,741<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x14bf y65e9 wa9a h1ff\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">810<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x14c0 y65e9 w3b3 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">1,864<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x14c1 y65e9 wa9b h1ff\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">18<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x14c2 y65e9 wa9c h1fe\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">4,433<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6991 wa52 h1fe\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Exchange translation differences<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x14c3 y6991 w66 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">26<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x14c4 y6991 w3c9 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">33<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x14c5 y6991 w8b4 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">39<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x14c6 y6991 w298 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(1)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x14c7 y6991 wa9d h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">97<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x14c8 y6991 wa6e h1ff\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(41)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x14c9 y6991 w8ce h1ff\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(31)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x14ca y6991 w9a3 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(38)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x14cb y6991 w982 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(4)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x14cc y6991 w455 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(114)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y65eb wa54 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">Additions<span class=\"_ _3eb\"> </span></div></td><td class=\"c x14ce y65eb wa9e h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">133</div><div class=\"t m0 x14cd h93 y697f ff6 fs1b fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c x2ee y65eb wa9f h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">187</div><div class=\"t m0 x14cf h93 y697f ff6 fs1b fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x14d0 y65eb waa0 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">253<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x14d1 y65eb waa1 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">56<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x14d2 y65eb wd7 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">629<span class=\"_ _3eb\"> </span></div></td><td class=\"c x14d4 y65eb waa2 h275\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">112</div><div class=\"t m0 x14d3 h3c y697f ff1 fs1b fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c x14d6 y6992 waa3 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">194</div><div class=\"t m0 x14d5 h3c y660d ff1 fs1b fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x14d7 y6992 w39e h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">213<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x14d8 y6992 waa4 h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">150<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x14d9 y6992 w398 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">669<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x235 h3b y6993 ff1 fs5 fc3 sc0 ls5 ws0\">Disposals and fully depreciated </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y6994 waa5 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">assets written off<span class=\"_ _3eb\"> </span></div></td><td class=\"c x14db y6994 waa6 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(29)</div><div class=\"t m0 x14da h93 y697f ff6 fs1b fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td><td class=\"c x14dd y6994 waa7 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(54)</div><div class=\"t m0 x14dc h93 y697f ff6 fs1b fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x14d0 y6994 w261 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(54)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x14de y6994 w298 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(1)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x14df y6994 wde h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(138)<span class=\"_ _3eb\"> </span></div></td><td class=\"c x14e1 y6994 waa8 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(61)</div><div class=\"t m0 x14e0 h3c y697f ff1 fs1b fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td><td class=\"c x14d6 y6995 waa9 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(37)</div><div class=\"t m0 x14e2 h3c y660d ff1 fs1b fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe64 y6995 w8ce h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(13)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x14e3 y6995 wac h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(1)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x14e4 y6995 w2b8 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(112)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6996 waaa h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Transfers to assets held for sale<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x14e5 y6996 w3cc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(43)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x14e6 y6996 w2bc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x14e7 y6996 w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x14e8 y6996 w2bc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x14e9 y6996 w3cc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(43)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x14ea y6996 w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x14eb y6996 w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x14ec y6996 w1cf h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x14ed y6996 w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x14ee y6996 w1cf h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y6997 waab h25c\"><div class=\"t m0 x1ed h3b y6600 ff1 fs5 fc3 sc0 ls5 ws0\">Other movements</div><div class=\"t m0 x4c3 h3c y667e ff1 fs1b fc3 sc0 ls0 ws0\">3<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x14ef y6998 w269 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(9)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x14f0 y6998 w2bc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x14f1 y6998 w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x14f2 y6998 w2bc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x14f3 y6998 w4a4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(9)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x14f4 y6998 w3ac h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(25)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x14f5 y6998 w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x14f6 y6998 w1cf h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x14f7 y6998 w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x14f8 y6998 w3ac h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(25)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6999 waac h201\"><div class=\"t m0 x1ed h3d y6548 ff5 fs5 fc3 sc0 ls5 ws5\">As at 31 December<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x14f9 y6999 w317 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">1,804<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x14fa y6999 w352 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">1,102<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x14fb y6999 waad h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">2,264<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x14fc y6999 waae h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">217<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x310 y6999 w10c h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">5,387<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x14fd y6999 w468 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">1,726<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x14fe y6999 waaf h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">936<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x14ff y6999 w442 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">2,026<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1500 y6999 w4f5 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">163<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1501 y6999 w654 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">4,851<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x235 h1a y699a ff4 fs5 fc3 sc0 ls5 ws5\">Depreciation<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y6695 wab0 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Accumulated at 1 January<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1502 y6695 wab1 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">716<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1503 y6695 wab2 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">575<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1504 y6695 wab3 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">1,096<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1505 y6695 w8b4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">39<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1506 y6695 wa03 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">2,426<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1507 y6695 w11b h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">692<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1508 y6695 w382 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">535<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1509 y6695 wab4 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">914<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x150a y6695 we3 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">18<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x150b y6695 wab5 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">2,159<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y65f3 wa52 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Exchange translation differences<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x150c y65f3 w423 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">13<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x150d y65f3 w1e5 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">30<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x150e y65f3 w45d h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">3<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x150f y65f3 wa66 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(3)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1510 y65f3 w94c h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">43<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1511 y65f3 wab6 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(28)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1512 y65f3 w482 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(15)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1513 y65f3 wab7 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(40)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1514 y65f3 wa6e h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(14)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1515 y65f3 wab8 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(97)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y68a8 wab9 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Charge for the year<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1516 y68a8 w8bf h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">87<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1517 y68a8 waba h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">114<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1518 y68a8 wabb h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">228<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1519 y68a8 w3e7 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">52<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x151a y68a8 wee h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">481<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x151b y68a8 w2c0 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">79<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x151c y68a8 w73 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">92<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x151d y68a8 w40d h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">220<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x151e y68a8 w1f2 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">36<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x151f y68a8 wabc h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">427<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y65f5 wa6b h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Impairment charge<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1520 y65f5 w298 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(1)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1521 y65f5 w2bc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1522 y65f5 w2f1 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1523 y65f5 w2bc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1524 y65f5 w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1525 y65f5 w4da h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1526 y65f5 w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1527 y65f5 wa8 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">9<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1528 y65f5 w1cf h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1529 y65f5 wabd h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">11<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y6610 wabe h219\"><div class=\"t m0 x1ed h3b y65db ff1 fs5 fc3 sc0 ls5 ws0\">Attributable to assets sold,<span class=\"_ _3eb\"> </span></div><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">transferred or written off<span class=\"_ _3eb\"> </span></div></td><td class=\"c x152b y6610 wabf h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(19)</div><div class=\"t m0 x152a h93 y697f ff6 fs1b fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td><td class=\"c xb00 y6610 wac0 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(53)</div><div class=\"t m0 x152c h93 y697f ff6 fs1b fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x14d0 y6610 wac1 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(34)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x152d y6610 w471 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(1)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x152e y6610 w8ad h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(107)<span class=\"_ _3eb\"> </span></div></td><td class=\"c x1530 y6610 wac2 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(29)</div><div class=\"t m0 x152f h3c y697f ff1 fs1b fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td><td class=\"c x14d6 y66bd waa9 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(37)</div><div class=\"t m0 x14e2 h3c y660d ff1 fs1b fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1531 y66bd w47e h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(7)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1532 y66bd wac h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(1)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1533 y66bd wac3 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(74)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6577 waaa h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Transfers to assets held for sale<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1534 y6577 wac4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(15)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1535 y6577 w2bc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1536 y6577 w2bc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1537 y6577 w2bc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1538 y6577 wac5 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(15)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1539 y6577 w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x153a y6577 w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x153b y6577 w1cf h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x153c y6577 w1cf h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x153d y6577 w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6566 wac6 h201\"><div class=\"t m0 x1ed h3d y6548 ff5 fs5 fc3 sc0 ls5 ws5\">Accumulated at 31 December<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x14db y6566 wac7 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">781<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x153e y6566 wa5c h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">666<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x153f y6566 wa95 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">1,294<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1540 y6566 w8bf h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">87<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1541 y6566 wac8 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">2,828<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1542 y6566 w63d h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">716<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1543 y6566 w380 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">575<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1544 y6566 wac9 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">1,096<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1545 y6566 w389 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">39<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1546 y6566 w3af h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">2,426<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6567 waca h201\"><div class=\"t m0 x1ed h3d y6548 ff5 fs5 fc3 sc0 ls5 ws5\">Net book amount at 31 December<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1547 y6567 w60 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">1,023<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1548 y6567 we7 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">436<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1549 y6567 w109 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">970<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x154a y6567 w314 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">130<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x154b y6567 we4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">2,559<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x154c y6567 wacb h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">1,010<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x154d y6567 w4bd h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">361<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x154e y6567 w5de h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">930<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x154f y6567 w8ca h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">124<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1550 y6567 w82e h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">2,425<span class=\"_ _3eb\"> </span></div></td></tr></table>1 <span class=\"_ _b\"> </span><span class=\"ff4\">Refer to the cash flow statement under cash flows from investing activities <span class=\"_ _7\"></span>section for the purchase of property, plant and <span class=\"_ _7\"></span>equipment during the year of $320 million </span>(31 December 2024: $456 million).<span class=\"_ _3eb\"> </span>2 <span class=\"_ _f\"> </span><span class=\"ff4\">In the cash flow statement, disposals of property, plant and equipment of <span class=\"_ _7\"></span>$30 million (31 December 2024: $56 million) would <span class=\"_ _7\"></span>include the gains/(losses) incurred as </span>part of other operating income (note 6) on <span class=\"_ _7\"></span>disposal of assets during the year and the <span class=\"_ _7\"></span>net book value disposed.<span class=\"_ _3eb\"> </span>3 <span class=\"_ _f\"> </span><span class=\"ff4\">Includes revaluation surplus on initial measurement $5 million (31 December 2024: $25 million) <span class=\"_ _7\"></span>recognised in statement of other comprehensive income and </span>subsequent re-measurement $14 million (31 December 2024: nil) <span class=\"_ _7\"></span>taken to income statement.",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfDepreciationAndAmortisationExpenseExplanatory",
    "language": "en",
    "entity": "scheme:U4LOSYZ7YG4W3S5F2G91",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-630": {
   "value": "8. Credit impairment<span class=\"_ _3eb\"> </span>Accounting policy<span class=\"_ _3eb\"> </span>Significant accounting <span class=\"_ _7\"></span>estimates and <span class=\"_ _7\"></span>judgements The Group\u2019s expected credit loss (ECL) <span class=\"_ _7\"></span>calculations are outputs of complex models with <span class=\"_ _7\"></span>a number of underlying assumptions. The significant judgements in determining expected <span class=\"_ _7\"></span>credit loss include: <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">The Group\u2019s criteria for assessing if there has been a significant increase <span class=\"_ _7\"></span>in credit risk; </span> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">Development of expected credit loss models, including the choice of inputs relating <span class=\"_ _7\"></span>to macroeconomic variables;</span> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">Determining estimates of forward looking macroeconomic forecasts;</span> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">Evaluation of management overlays and post-model adjustments;</span> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">Determination of recovery scenarios and probability weightings for Stage 3 individually assessed <span class=\"_ _7\"></span>provisions.<span class=\"_ _3eb\"> </span></span>The calculation of credit impairment provisions <span class=\"_ _7\"></span>also involves expert credit judgement to be <span class=\"_ _7\"></span>applied by the credit risk management team based upon counterparty information <span class=\"_ _7\"></span>they receive from various sources including relationship <span class=\"_ _7\"></span>managers and on external market information. Details <span class=\"_ _7\"></span>on the approach for determining expected credit <span class=\"_ _7\"></span>loss can be found in the <span class=\"_ _7\"></span>credit risk section, under IFRS 9 Methodology <span class=\"_ _7\"></span>(see page 264).<span class=\"_ _3eb\"> </span>Estimates of forecasts of key macroeconomic <span class=\"_ _7\"></span>variables underlying the expected credit loss calculation <span class=\"_ _7\"></span>can be found within the Risk review, Key assumptions and <span class=\"_ _7\"></span>judgements in determining expected credit loss.<span class=\"_ _3eb\"> </span>Expected credit <span class=\"_ _7\"></span>losses<span class=\"_ _3eb\"> </span>An ECL represents the present value <span class=\"_ _7\"></span>of expected cash shortfalls over the residual <span class=\"_ _7\"></span>term of a financial asset, undrawn commitment or financial guarantee. A cash shortfall is the difference between the cash flows that are due in accordance with the contractual terms of the instrument and the cash flows that <span class=\"_ _7\"></span>the Group expects to receive over the <span class=\"_ _7\"></span>contractual life of the instrument.<span class=\"_ _3eb\"> </span>Measurement<span class=\"_ _3eb\"> </span>ECL are computed as unbiased, probability-weighted <span class=\"_ _7\"></span>amounts which are determined by evaluating a <span class=\"_ _7\"></span>range of reasonably possible outcomes, the time value of <span class=\"_ _7\"></span>money, and considering all reasonable and supportable <span class=\"_ _7\"></span>information including that which is forward-looking. For material portfolios, the estimate of <span class=\"_ _7\"></span>expected cash shortfalls is determined by multiplying <span class=\"_ _7\"></span>the probability of default (PD) with the loss given default (LGD) <span class=\"_ _7\"></span>with the expected exposure at the time <span class=\"_ _7\"></span>of default (EAD). There may be <span class=\"_ _7\"></span>multiple default events over the lifetime of an <span class=\"_ _7\"></span>instrument. Further details on the components of <span class=\"_ _7\"></span>PD, LGD and EAD are disclosed <span class=\"_ _7\"></span>in the Credit risk section. For less material loan <span class=\"_ _7\"></span>portfolios, the Group has adopted less sophisticated <span class=\"_ _7\"></span>approaches based on historical roll rates or loss rates. Forward-looking economic assumptions are incorporated into the PD, LGD and EAD where relevant and where they influence credit risk, such as GDP <span class=\"_ _7\"></span>growth rates, interest rates, house price indices <span class=\"_ _7\"></span>and commodity prices among others. These<span class=\"_ gs36\"> </span>assumptions are incorporated using the Group\u2019s <span class=\"_ _7\"></span>most likely forecast for a range of <span class=\"_ _7\"></span>macroeconomic assumptions. These forecasts are determined using all <span class=\"_ _7\"></span>reasonable and supportable information, which includes both <span class=\"_ _7\"></span>internally developed forecasts and those available externally, and <span class=\"_ _7\"></span>are consistent with those used for budgeting, <span class=\"_ _7\"></span>forecasting and capital planning. To account for the potential non-linearity <span class=\"_ _7\"></span>in credit losses, multiple forward-looking scenarios are <span class=\"_ _7\"></span>incorporated into the range of reasonably possible outcomes for all <span class=\"_ _7\"></span>material portfolios. For example, where there is <span class=\"_ _7\"></span>a greater risk of downside credit losses than upside gains, multiple forward-looking economic scenarios are incorporated into the range of reasonably possible outcomes, both in respect of <span class=\"_ _7\"></span>determining the PD (and where relevant, the <span class=\"_ _7\"></span>LGD and EAD) and in determining the<span class=\"_ gs36\"> </span>overall ECL amounts. These scenarios are <span class=\"_ _7\"></span>determined using a Monte Carlo approach centred <span class=\"_ _7\"></span>around the Group\u2019s most likely forecast of macroeconomic assumptions.<span class=\"_ _3eb\"> </span>The period over which cash shortfalls <span class=\"_ _7\"></span>are determined is generally limited to the <span class=\"_ _7\"></span>maximum contractual period for which the<span class=\"_ gs36\"> </span>Group is exposed to credit risk. <span class=\"_ _7\"></span>However, for certain revolving credit facilities, which <span class=\"_ _7\"></span>include credit cards or overdrafts, the<span class=\"_ gs36\"> </span>Group\u2019s exposure to credit risk is <span class=\"_ _7\"></span>not limited to the contractual period. For <span class=\"_ _7\"></span>these instruments, the Group estimates an<span class=\"_ gs36\"> </span>appropriate life based on the period <span class=\"_ _7\"></span>that the Group is exposed to credit <span class=\"_ _7\"></span>risk, which includes the effect of <span class=\"_ _7\"></span>credit risk management actions such as the withdrawal <span class=\"_ _7\"></span>of undrawn facilities.<span class=\"_ _3eb\"> </span>For credit-impaired financial instruments, the estimate <span class=\"_ _7\"></span>of cash shortfalls may require the use <span class=\"_ _7\"></span>of expert credit judgement. The estimate of expected cash shortfalls <span class=\"_ _7\"></span>on a collateralised financial instrument reflects the <span class=\"_ _7\"></span>amount and timing of cash flows that are expected from foreclosure <span class=\"_ _7\"></span>on the collateral less the costs of <span class=\"_ _7\"></span>obtaining and selling the collateral, regardless of<span class=\"_ gs36\"> </span>whether foreclosure is deemed probable.<span class=\"_ _3eb\"> </span>Cash flows from unfunded credit enhancements <span class=\"_ _7\"></span>held are included within the measurement of <span class=\"_ _7\"></span>expected credit losses if<span class=\"_ gs36\"> </span>they<span class=\"_ gs36\"> </span>are part of, or integral to, <span class=\"_ _7\"></span>the contractual terms of the instrument (this <span class=\"_ _7\"></span>includes financial guarantees, unfunded risk<span class=\"_ gs36\"> </span>participations and other non-derivative credit insurance). <span class=\"_ _7\"></span>Although non-integral credit enhancements do not impact the<span class=\"_ gs36\"> </span>measurement of expected credit losses, a <span class=\"_ _7\"></span>reimbursement asset is recognised to the extent <span class=\"_ _7\"></span>of the ECL recorded if this <span class=\"_ _7\"></span>is virtually certain to be received.<span class=\"_ _3eb\"> </span>Cash shortfalls are discounted using the effective interest rate (or credit-adjusted effective interest rate for purchased or<span class=\"_ gs36\"> </span>originated credit-impaired instruments (POCI)) on the <span class=\"_ _7\"></span>financial instrument as calculated at initial recognition <span class=\"_ _7\"></span>or if the instrument has a variable interest rate, <span class=\"_ _7\"></span>the current effective interest rate determined under <span class=\"_ _7\"></span>the contract.<span class=\"_ _3eb\"> </span><table class=\"s w3f8 h22c\" id=\"_a32453d7-0dd5-4236-a911-a640fe365d98\"><tr><td class=\"c n x1ee y6666 w3f9 h205\"><div class=\"t m1 x1ed h2c y65c7 ff1 fs17 fc3 sc0 ls21 ws20\">Instruments<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7f1 y6666 w3fa h215\"><div class=\"t m1 x1ed h2c y65c7 ff4 fs17 fc3 sc0 ls21 ws20\">Location of expected credit loss provisions<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6610 w3fb h203\"><div class=\"t m1 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Financial assets held at amortised cost<span class=\"_ _3eb\"> </span></div></td><td class=\"c x7f3 y6610 w3fc h203\"><div class=\"t m1 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Loss provisions: netted against gross carrying value</div><div class=\"t m1 x7f2 h3c y660d ff1 fs1b fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6577 w3fd h203\"><div class=\"t m1 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Financial assets held FVOCI \u2013 Debt instruments<span class=\"_ _3eb\"> </span></div></td><td class=\"c x7f5 y6577 w3fe h203\"><div class=\"t m1 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Other comprehensive income (FVOCI expected credit loss <span class=\"_ _7\"></span>reserve)</div><div class=\"t m1 x7f4 h3c y660d ff1 fs1b fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6566 w3ff h200\"><div class=\"t m1 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Loan commitments<span class=\"_ _3eb\"> </span></div></td><td class=\"c x7f7 y6566 w400 h203\"><div class=\"t m1 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Provisions for liabilities and charges</div><div class=\"t m1 x7f6 h3c y660d ff1 fs1b fc3 sc0 ls0 ws0\">3<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6567 w401 h203\"><div class=\"t m1 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Financial guarantees<span class=\"_ _3eb\"> </span></div></td><td class=\"c x7f9 y6567 w402 h203\"><div class=\"t m1 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Provisions for liabilities and charges</div><div class=\"t m1 x7f8 h3c y65df ff1 fs1b fc3 sc0 ls0 ws0\">3<span class=\"_ _3eb\"> </span></div></td></tr></table>1 <span class=\"_ _b\"> </span><span class=\"ff4\">Purchased or originated credit-impaired assets do not attract an expected credit loss provision <span class=\"_ _7\"></span>on initial recognition. An expected credit loss provision <span class=\"_ _7\"></span>will be </span>recognised only if there is an increase in <span class=\"_ _7\"></span>expected credit losses from that considered at initial <span class=\"_ _7\"></span>recognition.<span class=\"_ _3eb\"> </span>2 <span class=\"_ _f\"> </span><span class=\"ff4\">Debt and treasury securities classified as fair value through other comprehensive income <span class=\"_ _7\"></span>(FVOCI) are held at fair value on the <span class=\"_ _7\"></span>face of the balance sheet. </span>The<span class=\"_ gs1a2\"> </span>expected credit loss attributed to these instruments is <span class=\"_ _7\"></span>held as a separate reserve within other comprehensive <span class=\"_ _7\"></span>income (OCI) and is recycled to the profit and<span class=\"_ gs1a2\"> </span>loss account along with any fair value measurement <span class=\"_ _7\"></span>gains or losses held within FVOCI when the <span class=\"_ _7\"></span>applicable instruments are derecognised.<span class=\"_ _3eb\"> </span>3 <span class=\"_ _f\"> </span><span class=\"ff4\">Expected credit loss on loan commitments and financial guarantees is recognised as a <span class=\"_ _7\"></span>liability provision. Where a financial instrument includes both <span class=\"_ _7\"></span>a loan </span>(i.e.<span class=\"_ gs1a2\"> </span>financial asset component) and an undrawn commitment (i.e. <span class=\"_ _7\"></span>loan commitment component), and it is not possible <span class=\"_ _7\"></span>to separately identify the expected credit loss on these components, expected credit loss amounts on the loan commitment are recognised together with expected credit loss amounts on the<span class=\"_ gs1a2\"> </span>financial asset. To<span class=\"_ gs1a2\"> </span>the extent the combined expected credit <span class=\"_ _7\"></span>loss exceeds the gross carrying amount of the <span class=\"_ _7\"></span>financial asset, the expected credit loss is<span class=\"_ gs1a2\"> </span>recognised<span class=\"_ gs1a2\"> </span>as a liability provision.<span class=\"_ _3eb\"> </span>Recognition<span class=\"_ _3eb\"> </span>12 months <span class=\"_ _7\"></span>expected credit <span class=\"_ _7\"></span>losses (Stage <span class=\"_ _7\"></span>1)<span class=\"_ _3eb\"> </span>Expected credit losses are recognised at <span class=\"_ _7\"></span>the time of initial recognition of a <span class=\"_ _7\"></span>financial instrument and represent the lifetime cash shortfalls arising from possible default <span class=\"_ _7\"></span>events up to 12 months into the <span class=\"_ _7\"></span>future from the balance sheet date. <span class=\"_ _7\"></span>Expected credit losses continue to be determined <span class=\"_ _7\"></span>on this basis until there is either <span class=\"_ _7\"></span>a significant increase in the credit <span class=\"_ _7\"></span>risk of an instrument or the instrument becomes credit-impaired. <span class=\"_ _7\"></span>If an instrument is no longer considered <span class=\"_ _7\"></span>to exhibit a significant increase in credit risk, expected credit <span class=\"_ _7\"></span>losses will revert to being determined on <span class=\"_ _7\"></span>a 12-month basis.<span class=\"_ _3eb\"> </span>Significant increase <span class=\"_ _7\"></span>in credit <span class=\"_ _7\"></span>risk (Stage <span class=\"_ _7\"></span>2)<span class=\"_ _3eb\"> </span>Significant increase in credit risk is <span class=\"_ _7\"></span>assessed by comparing the risk of default <span class=\"_ _7\"></span>of an exposure at the reporting <span class=\"_ _7\"></span>date to the risk of default at origination (after taking <span class=\"_ _7\"></span>into account the passage of time). Significant <span class=\"_ _7\"></span>does not mean statistically significant nor is it assessed in the <span class=\"_ _7\"></span>context of changes in expected credit loss. <span class=\"_ _7\"></span>Whether a change in the risk <span class=\"_ _7\"></span>of default is significant or not is assessed using a number of <span class=\"_ _7\"></span>quantitative and qualitative factors, the weight of <span class=\"_ _7\"></span>which depends on the type of <span class=\"_ _7\"></span>product and counterparty. Financial assets that are 30 <span class=\"_ _7\"></span>or more days past due and not <span class=\"_ _7\"></span>credit-impaired will always be considered to <span class=\"_ _7\"></span>have experienced a significant increase in credit <span class=\"_ _7\"></span>risk. For less material portfolios where a <span class=\"_ _7\"></span>loss rate or roll rate approach <span class=\"_ _7\"></span>is applied to<span class=\"_ gs36\"> </span>compute expected credit loss, significant increase <span class=\"_ _7\"></span>in credit risk is primarily based on <span class=\"_ _7\"></span>30 days past due.<span class=\"_ _3eb\"> </span>Quantitative factors include an assessment of <span class=\"_ _7\"></span>whether there has been significant increase in <span class=\"_ _7\"></span>the forward-looking probability of default (PD) since origination. A <span class=\"_ _7\"></span>forward-looking PD is one that is adjusted <span class=\"_ _7\"></span>for future economic conditions to the <span class=\"_ _7\"></span>extent these are correlated to changes in <span class=\"_ _7\"></span>credit risk. We compare the residual lifetime <span class=\"_ _7\"></span>PD at the balance sheet date <span class=\"_ _7\"></span>to the residual lifetime PD that was expected at <span class=\"_ _7\"></span>the time of origination for the same <span class=\"_ _7\"></span>point in the term structure and <span class=\"_ _7\"></span>determine whether both the absolute and relative change between <span class=\"_ _7\"></span>the two exceeds predetermined thresholds. To the <span class=\"_ _7\"></span>extent that the differences between the measures of default outlined exceed the defined thresholds, the instrument is considered to have experienced a<span class=\"_ gs36\"> </span>significant increase in credit risk.<span class=\"_ _3eb\"> </span>Qualitative factors assessed include those linked <span class=\"_ _7\"></span>to current credit risk management processes, such <span class=\"_ _7\"></span>as lending placed on<span class=\"_ gs36\"> </span>non-purely precautionary early alert (and subject <span class=\"_ _7\"></span>to closer monitoring).<span class=\"_ _3eb\"> </span>A non-purely precautionary early alert account <span class=\"_ _7\"></span>is one which exhibits material credit concerns <span class=\"_ _7\"></span>which may result in a default by<span class=\"_ gs36\"> </span>the client if left unaddressed, requiring <span class=\"_ _7\"></span>closer monitoring, supervision, or attention by management. <span class=\"_ _7\"></span>Indicators could include a rapid erosion of position <span class=\"_ _7\"></span>within the industry, concerns over management\u2019s ability <span class=\"_ _7\"></span>to manage operations, weak/<span class=\"_ _3eb\"> </span>deteriorating operating results, liquidity strain and <span class=\"_ _7\"></span>overdue balances among other factors.<span class=\"_ _3eb\"> </span>Credit-impaired (or <span class=\"_ _7\"></span>defaulted) exposures <span class=\"_ _7\"></span>(Stage 3)<span class=\"_ _3eb\"> </span>Financial assets that are credit-impaired (or <span class=\"_ _7\"></span>in default) represent those that are at <span class=\"_ _7\"></span>least 90 days past due in <span class=\"_ _7\"></span>respect of principal and/or interest. Financial assets are <span class=\"_ _7\"></span>also considered to be credit-impaired where the <span class=\"_ _7\"></span>obligors are unlikely to pay on<span class=\"_ gs36\"> </span>the occurrence of one or more <span class=\"_ _7\"></span>observable events that have a detrimental impact <span class=\"_ _7\"></span>on the estimated future cash flows of<span class=\"_ gs36\"> </span>the financial asset. It may not <span class=\"_ _7\"></span>be possible to identify a single discrete <span class=\"_ _7\"></span>event but instead the combined effect <span class=\"_ _7\"></span>of several events may cause financial assets to <span class=\"_ _7\"></span>become credit-impaired.<span class=\"_ _3eb\"> </span>Evidence that a financial asset is <span class=\"_ _7\"></span>credit-impaired includes observable data about the following <span class=\"_ _7\"></span>events: <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">Significant financial difficulty of the issuer or borrower;</span> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">Breach of contract such as default or a past due event;</span> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">For economic or contractual reasons relating to the borrower\u2019s financial difficulty, the <span class=\"_ _7\"></span>lenders of the borrower have </span>granted the borrower concession(s) that lenders <span class=\"_ _7\"></span>would not otherwise consider. This would include <span class=\"_ _7\"></span>forbearance actions;  <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">Pending or actual bankruptcy or other financial reorganisation to avoid or delay <span class=\"_ _7\"></span>discharge of the borrower\u2019s obligation(s);</span> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">The disappearance of an active market for the applicable financial asset due <span class=\"_ _7\"></span>to financial difficulties of the borrower;</span> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">Purchase or origination of a financial asset at a deep discount that <span class=\"_ _7\"></span>reflects incurred credit losses.<span class=\"_ _3eb\"> </span></span>Lending commitments to a credit-impaired obligor <span class=\"_ _7\"></span>that have not yet been drawn down <span class=\"_ _7\"></span>are included to the extent that <span class=\"_ _7\"></span>the commitment cannot be withdrawn. Loss provisions <span class=\"_ _7\"></span>against credit-impaired financial assets are determined based <span class=\"_ _7\"></span>on an assessment of the present value of <span class=\"_ _7\"></span>expected cash shortfalls (discounted at the instrument\u2019s <span class=\"_ _7\"></span>original effective interest rate) under a range of scenarios, including <span class=\"_ _7\"></span>the realisation of any collateral held where <span class=\"_ _7\"></span>appropriate. The Group\u2019s definition of default is aligned with the regulatory <span class=\"_ _7\"></span>definition of default as set out in <span class=\"_ _7\"></span>the UK\u2019s onshored capital requirements regulations (Art 178).<span class=\"_ _3eb\"> </span>Expert credit <span class=\"_ _7\"></span>judgement<span class=\"_ _3eb\"> </span>For Corporate &amp; Investment banking and Private banking, borrowers are graded by credit risk management on a credit grading (CG) scale from CG1 to <span class=\"_ _7\"></span>CG14. Once a borrower starts to exhibit <span class=\"_ _7\"></span>credit deterioration, it will move along <span class=\"_ _7\"></span>the credit grading scale in the performing book. <span class=\"_ _7\"></span>When a borrower is classified as CG12 <span class=\"_ _7\"></span>(which is the lowest performing book <span class=\"_ _7\"></span>and credit<span class=\"_ gs36\"> </span>grade and is a qualitative trigger <span class=\"_ _7\"></span>for significant increase in credit risk (see <span class=\"_ _7\"></span>page 275) it will continue to <span class=\"_ _7\"></span>be primarily managed by relationship managers in the <span class=\"_ _7\"></span>CIB unit with support from Stressed Asset <span class=\"_ _7\"></span>Group (SAG) for certain accounts. SAG is<span class=\"_ gs36\"> </span>the Group\u2019s specialist recovery unit, which <span class=\"_ _7\"></span>is independent of the Client Coverage/Relationship Managers.<span class=\"_ _3eb\"> </span>Borrowers graded CG12 exhibit well-defined weaknesses <span class=\"_ _7\"></span>in areas such as management and/or performance <span class=\"_ _7\"></span>but there is no<span class=\"_ gs36\"> </span>current expectation of a loss of <span class=\"_ _7\"></span>principal or interest at this stage and <span class=\"_ _7\"></span>there is no indication of unlikeliness <span class=\"_ _7\"></span>to repay (it is still a performing asset). Where the impairment <span class=\"_ _7\"></span>assessment indicates that there will be a <span class=\"_ _7\"></span>loss of principal on a loan <span class=\"_ _7\"></span>in the likely scenario, the borrower is graded a <span class=\"_ _7\"></span>CG14 while borrowers of other credit-impaired loans <span class=\"_ _7\"></span>are graded CG13. Instruments graded CG13 or CG14 are regarded as <span class=\"_ _7\"></span>stage 3.<span class=\"_ _3eb\"> </span>Credit-impaired accounts are managed by SAG. <span class=\"_ _7\"></span>Where a portion of exposure is considered <span class=\"_ _7\"></span>not recoverable, a stage 3 credit<span class=\"_ gs36\"> </span>impairment provision is raised. This stage <span class=\"_ _7\"></span>3 provision is the difference between the <span class=\"_ _7\"></span>loan-carrying amount and the probability-weighted present value of estimated future <span class=\"_ _7\"></span>cash flows, reflecting a range of scenarios <span class=\"_ _7\"></span>(typically the \u2018upside\u2019, \u2018downside\u2019 and \u2018likely\u2019 recovery outcomes). Where <span class=\"_ _7\"></span>the exposure is secured by collateral, the <span class=\"_ _7\"></span>values used will incorporate the impact of forward-looking economic information on <span class=\"_ _7\"></span>the value recoverable collateral and time to <span class=\"_ _7\"></span>realise the same. The individual circumstances of each client <span class=\"_ _7\"></span>are considered when SAG estimates future cashflows <span class=\"_ _7\"></span>and the timing of future recoveries which involves significant judgement. All <span class=\"_ _7\"></span>available sources, such as cash flow arising <span class=\"_ _7\"></span>from operations, selling assets<span class=\"_ gs36\"> </span>or subsidiaries, realising collateral or payments <span class=\"_ _7\"></span>under guarantees, are considered. In any decision <span class=\"_ _7\"></span>relating to the raising of<span class=\"_ gs36\"> </span>provisions, the Group attempts to <span class=\"_ _7\"></span>balance economic conditions, local knowledge and experience, <span class=\"_ _7\"></span>and the results of<span class=\"_ gs36\"> </span>independent asset reviews. The individual impairment <span class=\"_ _7\"></span>provisions (viz. those not directly from a <span class=\"_ _7\"></span>model) are approved by<span class=\"_ gs36\"> </span>Stressed Assets Risk (SAR) who are <span class=\"_ _7\"></span>in the Second Line of Defence.<span class=\"_ _3eb\"> </span>For financial assets which are not <span class=\"_ _7\"></span>individually significant, such as the Retail Banking <span class=\"_ _7\"></span>portfolio or small business loans, which comprise a large number of homogeneous <span class=\"_ _7\"></span>loans that share similar characteristics, statistical estimates <span class=\"_ _7\"></span>and techniques are used, as well as credit scoring <span class=\"_ _7\"></span>analysis.<span class=\"_ _3eb\"> </span>Wealth, Retail and Business Banking clients <span class=\"_ _7\"></span>are considered credit-impaired where they are more <span class=\"_ _7\"></span>90 days past due, or if <span class=\"_ _7\"></span>the borrower files for bankruptcy or other forbearance programme, the borrower is deceased or the business is closed in the case of a small business, or if <span class=\"_ _7\"></span>the borrower surrenders the collateral, or there <span class=\"_ _7\"></span>is an identified fraud on the <span class=\"_ _7\"></span>account. Additionally, if<span class=\"_ gs36\"> </span>the account is unsecured and the <span class=\"_ _7\"></span>borrower has other credit accounts with the <span class=\"_ _7\"></span>Group that are considered credit-impaired, the account may also be credit-impaired.<span class=\"_ _3eb\"> </span>Techniques used to compute impairment amounts <span class=\"_ _7\"></span>use models which analyse historical repayment and <span class=\"_ _7\"></span>default rates over a<span class=\"_ gs36\"> </span>time horizon. Where various models are <span class=\"_ _7\"></span>used, judgement is required to analyse the <span class=\"_ _7\"></span>available information provided and select the appropriate model or combination <span class=\"_ _7\"></span>of models to use.<span class=\"_ _3eb\"> </span>The core components in determining credit-impaired <span class=\"_ _7\"></span>expected credit loss provisions are the value <span class=\"_ _7\"></span>of gross charge-off and<span class=\"_ gs36\"> </span>recoveries. Gross charge-off and/or loss provisions <span class=\"_ _7\"></span>are recognised when it is established that <span class=\"_ _7\"></span>the account is unlikely to<span class=\"_ gs36\"> </span>pay through the normal process. Recovery <span class=\"_ _7\"></span>of unsecured debt post credit impairment is <span class=\"_ _7\"></span>recognised based on actual cash collected, either directly from clients or <span class=\"_ _7\"></span>through the sale of defaulted loans to <span class=\"_ _7\"></span>third-party institutions. Release of credit impairment provisions for secured loans is <span class=\"_ _7\"></span>recognised if the loan outstanding is paid <span class=\"_ _7\"></span>in full (release of full provision), or<span class=\"_ gs36\"> </span>the<span class=\"_ gs36\"> </span>provision is higher than the loan <span class=\"_ _7\"></span>outstanding (release of the excess provision).<span class=\"_ _3eb\"> </span>Expert credit judgement is also applied to determine whether any post-model adjustments are required for credit risk elements which are not captured by <span class=\"_ _7\"></span>the models. Modified financial <span class=\"_ _7\"></span>instruments<span class=\"_ _3eb\"> </span>Where the original contractual terms of <span class=\"_ _7\"></span>a financial asset have been modified for <span class=\"_ _7\"></span>credit reasons and the instrument has <span class=\"_ _7\"></span>not been derecognised (an instrument is derecognised <span class=\"_ _7\"></span>when a modification results in a change <span class=\"_ _7\"></span>in cash flows that the Group would consider substantial), the resulting modification <span class=\"_ _7\"></span>loss is recognised within credit impairment in <span class=\"_ _7\"></span>the income statement with a corresponding decrease in the <span class=\"_ _7\"></span>gross carrying value of the asset. If <span class=\"_ _7\"></span>the modification involved a concession that <span class=\"_ _7\"></span>the bank would not otherwise consider, the <span class=\"_ _7\"></span>instrument is considered to be credit-impaired and <span class=\"_ _7\"></span>is considered forborne.<span class=\"_ _3eb\"> </span>Expected credit loss for modified financial <span class=\"_ _7\"></span>assets that have not been derecognised and <span class=\"_ _7\"></span>are not considered to be credit-<span class=\"_ _3eb\"> </span>impaired will be recognised on a <span class=\"_ _7\"></span>12-month basis, or a lifetime basis, if <span class=\"_ _7\"></span>there is a significant increase in <span class=\"_ _7\"></span>credit risk. These assets are assessed (by comparison to the <span class=\"_ _7\"></span>origination date) to determine whether there has <span class=\"_ _7\"></span>been a significant increase in credit <span class=\"_ _7\"></span>risk subsequent to the modification. Although loans <span class=\"_ _7\"></span>may be modified for non-credit reasons, a <span class=\"_ _7\"></span>significant increase in credit risk may occur. In addition to the <span class=\"_ _7\"></span>recognition of modification gains and losses, the <span class=\"_ _7\"></span>revised carrying value of modified financial assets will impact the calculation of expected credit losses, with any increase or decrease in expected credit loss recognised within impairment.<span class=\"_ _3eb\"> </span>Forborne loans<span class=\"_ _3eb\"> </span>Forborne loans are those loans that <span class=\"_ _7\"></span>have been modified in response to a <span class=\"_ _7\"></span>customer\u2019s financial difficulties. Forbearance strategies assist clients who are temporarily <span class=\"_ _7\"></span>in financial distress and are unable to <span class=\"_ _7\"></span>meet their original contractual repayment terms. Forbearance can be initiated by <span class=\"_ _7\"></span>the client, the Group or a third-party <span class=\"_ _7\"></span>including government sponsored programmes or<span class=\"_ gs36\"> </span>a conglomerate of credit institutions. Forbearance <span class=\"_ _7\"></span>may include debt restructuring such as new <span class=\"_ _7\"></span>repayment schedules, payment deferrals, tenor extensions, interest only <span class=\"_ _7\"></span>payments, lower interest rates, forgiveness of principal, <span class=\"_ _7\"></span>interest or fees, or<span class=\"_ gs36\"> </span>relaxation of loan covenants<span class=\"_ _3eb\"> </span>Forborne loans that have been modified <span class=\"_ _7\"></span>(and not derecognised) on terms that are <span class=\"_ _7\"></span>not consistent with those readily available in the market and/or where <span class=\"_ _7\"></span>we have granted a concession compared to <span class=\"_ _7\"></span>the original terms of the loans <span class=\"_ _7\"></span>are considered credit-impaired if there is a <span class=\"_ _7\"></span>detrimental impact on cash flows. The modification <span class=\"_ _7\"></span>loss (see Classification and measurement \u2013 Modifications) is recognised in <span class=\"_ _7\"></span>the profit or loss within credit impairment <span class=\"_ _7\"></span>and the gross carrying value of the<span class=\"_ gs36\"> </span>loan reduced by the same amount. <span class=\"_ _7\"></span>The modified loan is disclosed as \u2018Loans <span class=\"_ _7\"></span>subject to forbearance \u2013 credit-impaired\u2019.<span class=\"_ _3eb\"> </span>Loans that have been subject to <span class=\"_ _7\"></span>a forbearance modification, but which are not <span class=\"_ _7\"></span>considered credit-impaired (not classified as<span class=\"_ gs36\"> </span>CG13 or CG14), are disclosed as <span class=\"_ _7\"></span>\u2018Forborne \u2013 not credit-impaired\u2019. This may include <span class=\"_ _7\"></span>amendments to covenants within the contractual terms.<span class=\"_ _3eb\"> </span>Write-offs of <span class=\"_ _7\"></span>credit-impaired instruments <span class=\"_ _7\"></span>and reversal <span class=\"_ _7\"></span>of impairment<span class=\"_ _3eb\"> </span>To the extent a financial debt <span class=\"_ _7\"></span>instrument is considered irrecoverable, the applicable portion <span class=\"_ _7\"></span>of the gross carrying value is<span class=\"_ gs36\"> </span>written off against the related loan <span class=\"_ _7\"></span>provision. Such loans are written off after <span class=\"_ _7\"></span>all the necessary procedures have been completed, it is decided that there <span class=\"_ _7\"></span>is no realistic probability of recovery and <span class=\"_ _7\"></span>the amount of the loss has <span class=\"_ _7\"></span>been determined. Subsequent recoveries of amounts previously written <span class=\"_ _7\"></span>off decrease the amount of the provision <span class=\"_ _7\"></span>for credit impairment in the income statement. Loss provisions <span class=\"_ _7\"></span>on purchased <span class=\"_ _7\"></span>or originated <span class=\"_ _7\"></span>credit-impaired instruments <span class=\"_ _7\"></span>(POCI)<span class=\"_ _3eb\"> </span>The Group measures expected credit loss <span class=\"_ _7\"></span>on a lifetime basis for POCI instruments <span class=\"_ _7\"></span>throughout the life of the instrument. However, expected credit loss is not <span class=\"_ _7\"></span>recognised in a separate loss provision on <span class=\"_ _7\"></span>initial recognition for POCI instruments as the<span class=\"_ gs36\"> </span>lifetime expected credit loss is inherent <span class=\"_ _7\"></span>within the gross carrying amount of the <span class=\"_ _7\"></span>instruments. The Group recognises the<span class=\"_ gs36\"> </span>change in lifetime expected credit losses <span class=\"_ _7\"></span>arising subsequent to initial recognition in the <span class=\"_ _7\"></span>income statement and the cumulative change as a loss provision. <span class=\"_ _7\"></span>Where lifetime expected credit losses on POCI <span class=\"_ _7\"></span>instruments are less than those at<span class=\"_ gs36\"> </span>initial<span class=\"_ gs36\"> </span>recognition, then the favourable differences are <span class=\"_ _7\"></span>recognised as impairment gains in the income <span class=\"_ _7\"></span>statement (and<span class=\"_ gs36\"> </span>as<span class=\"_ gs36\"> </span>impairment loss where the expected credit <span class=\"_ _7\"></span>losses are greater).<span class=\"_ _3eb\"> </span>Improvement in <span class=\"_ _7\"></span>credit risk/curing<span class=\"_ _3eb\"> </span>For financial assets that are credit-impaired <span class=\"_ _7\"></span>(stage 3), a transfer to stage 2 <span class=\"_ _7\"></span>or stage 1 is only permitted <span class=\"_ _7\"></span>where the instrument is no longer considered to be <span class=\"_ _7\"></span>credit-impaired. An instrument will no longer be <span class=\"_ _7\"></span>considered credit-impaired when there is<span class=\"_ gs36\"> </span>no<span class=\"_ gs36\"> </span>shortfall of cash flows compared to <span class=\"_ _7\"></span>the original contractual terms.<span class=\"_ _3eb\"> </span>For financial assets within stage 2, <span class=\"_ _7\"></span>these can only be transferred to stage <span class=\"_ _7\"></span>1 when they are no longer <span class=\"_ _7\"></span>considered to have experienced a significant increase in credit <span class=\"_ _7\"></span>risk.<span class=\"_ _3eb\"> </span>Where a significant increase in credit <span class=\"_ _7\"></span>risk was determined using quantitative measures, the <span class=\"_ _7\"></span>instruments will automatically transfer back to stage 1 when <span class=\"_ _7\"></span>the original PD based transfer criteria are <span class=\"_ _7\"></span>no longer met. Where instruments were <span class=\"_ _7\"></span>transferred to stage 2 due to an <span class=\"_ _7\"></span>assessment of qualitative factors, the issues that <span class=\"_ _7\"></span>led to the reclassification must be <span class=\"_ _7\"></span>cured before the instruments can be reclassified to stage <span class=\"_ _7\"></span>1. This includes instances where management actions <span class=\"_ _7\"></span>led to instruments being classified as stage 2, requiring that <span class=\"_ _7\"></span>action to be resolved before loans are <span class=\"_ _7\"></span>reclassified to stage 1.<span class=\"_ _3eb\"> </span>A forborne loan can only be <span class=\"_ _7\"></span>removed from being disclosed as forborne if <span class=\"_ _7\"></span>the loan is performing (stage 1 <span class=\"_ _7\"></span>or 2) and a further two-year probation period is met. In order for a forborne loan <span class=\"_ _7\"></span>to become performing, the following criteria have <span class=\"_ _7\"></span>to be satisfied: <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ls2\">At least a year has passed with no default based upon the forborne contract terms</span> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">The customer is likely to repay its obligations in full without realising <span class=\"_ _7\"></span>security</span> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">The customer has no accumulated impairment against amount outstanding (except for ECL)<span class=\"_ _3eb\"> </span></span>Subsequent to the criteria above, a <span class=\"_ _7\"></span>further two-year probation period has to be <span class=\"_ _7\"></span>fulfilled, whereby regular payments are made by the customer and none <span class=\"_ _7\"></span>of the exposures to the customer are <span class=\"_ _7\"></span>more than 30 days past due.<span class=\"_ _3eb\"> </span><table class=\"s w403 h22d\" id=\"_99cca345-1d1b-419c-bdc6-9a3112c26a53\"><tr><td></td><td class=\"t m0 x1e8 h38 y6667 ff5 fs17 fc0 sc0 ls21 ws20\">2025<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1e9 h39 y6667 ff1 fs17 fc3 sc0 ls21 ws20\">2024<span class=\"_ _3eb\"> </span></td></tr><tr><td></td><td class=\"t m0 x1eb h38 y6668 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1ec h2c y6668 ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c n x1ee y6669 w404 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">Net credit impairment on loans and advances <span class=\"_ _7\"></span>to banks and customers<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7fa y6669 w405 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">652<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7fb y6669 w406 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">590<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y666a w407 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Net credit impairment on debt securities</div><div class=\"t m0 x7fc h3c y65df ff1 fs1b fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7fd y666b w131 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">37<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7fe y666b w408 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(58)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y666c w409 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">Net credit impairment relating to financial guarantees <span class=\"_ _7\"></span>and loan commitments<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7ff y666c w30e h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(24)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x800 y666c we3 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">18<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y666d w40a h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">Net credit impairment relating to other financial <span class=\"_ _7\"></span>assets<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x801 y666d w40b h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">7<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x802 y666d w2cf h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(3)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y6567 w40c h203\"><div class=\"t m0 x1ed h8 y666e ff5 fs5 fc3 sc0 ls5 ws5\">Credit impairment</div><div class=\"t m0 x803 h9a y666f ff5 fs1b fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x804 y6670 w40d h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">672<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x805 y6670 w40e h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">547<span class=\"_ _3eb\"> </span></div></td></tr></table>1 <span class=\"_ _b\"> </span><span class=\"ff4\">Includes impairment charge of $5 million (2024: $14 million release) on originated credit-impaired <span class=\"_ _7\"></span>debt securities.</span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfImpairmentOfAssetsExplanatory",
    "language": "en",
    "entity": "scheme:U4LOSYZ7YG4W3S5F2G91",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-707": {
   "value": "Accounting policy<span class=\"_ _3eb\"> </span>Significant accounting <span class=\"_ _7\"></span>estimates and <span class=\"_ _7\"></span>judgements The Group\u2019s expected credit loss (ECL) <span class=\"_ _7\"></span>calculations are outputs of complex models with <span class=\"_ _7\"></span>a number of underlying assumptions. The significant judgements in determining expected <span class=\"_ _7\"></span>credit loss include: <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">The Group\u2019s criteria for assessing if there has been a significant increase <span class=\"_ _7\"></span>in credit risk; </span> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">Development of expected credit loss models, including the choice of inputs relating <span class=\"_ _7\"></span>to macroeconomic variables;</span> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">Determining estimates of forward looking macroeconomic forecasts;</span> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">Evaluation of management overlays and post-model adjustments;</span> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">Determination of recovery scenarios and probability weightings for Stage 3 individually assessed <span class=\"_ _7\"></span>provisions.<span class=\"_ _3eb\"> </span></span>The calculation of credit impairment provisions <span class=\"_ _7\"></span>also involves expert credit judgement to be <span class=\"_ _7\"></span>applied by the credit risk management team based upon counterparty information <span class=\"_ _7\"></span>they receive from various sources including relationship <span class=\"_ _7\"></span>managers and on external market information. Details <span class=\"_ _7\"></span>on the approach for determining expected credit <span class=\"_ _7\"></span>loss can be found in the <span class=\"_ _7\"></span>credit risk section, under IFRS 9 Methodology <span class=\"_ _7\"></span>(see page 264).<span class=\"_ _3eb\"> </span>Estimates of forecasts of key macroeconomic <span class=\"_ _7\"></span>variables underlying the expected credit loss calculation <span class=\"_ _7\"></span>can be found within the Risk review, Key assumptions and <span class=\"_ _7\"></span>judgements in determining expected credit loss.<span class=\"_ _3eb\"> </span>Expected credit <span class=\"_ _7\"></span>losses<span class=\"_ _3eb\"> </span>An ECL represents the present value <span class=\"_ _7\"></span>of expected cash shortfalls over the residual <span class=\"_ _7\"></span>term of a financial asset, undrawn commitment or financial guarantee. A cash shortfall is the difference between the cash flows that are due in accordance with the contractual terms of the instrument and the cash flows that <span class=\"_ _7\"></span>the Group expects to receive over the <span class=\"_ _7\"></span>contractual life of the instrument.<span class=\"_ _3eb\"> </span>Measurement<span class=\"_ _3eb\"> </span>ECL are computed as unbiased, probability-weighted <span class=\"_ _7\"></span>amounts which are determined by evaluating a <span class=\"_ _7\"></span>range of reasonably possible outcomes, the time value of <span class=\"_ _7\"></span>money, and considering all reasonable and supportable <span class=\"_ _7\"></span>information including that which is forward-looking. For material portfolios, the estimate of <span class=\"_ _7\"></span>expected cash shortfalls is determined by multiplying <span class=\"_ _7\"></span>the probability of default (PD) with the loss given default (LGD) <span class=\"_ _7\"></span>with the expected exposure at the time <span class=\"_ _7\"></span>of default (EAD). There may be <span class=\"_ _7\"></span>multiple default events over the lifetime of an <span class=\"_ _7\"></span>instrument. Further details on the components of <span class=\"_ _7\"></span>PD, LGD and EAD are disclosed <span class=\"_ _7\"></span>in the Credit risk section. For less material loan <span class=\"_ _7\"></span>portfolios, the Group has adopted less sophisticated <span class=\"_ _7\"></span>approaches based on historical roll rates or loss rates. Forward-looking economic assumptions are incorporated into the PD, LGD and EAD where relevant and where they influence credit risk, such as GDP <span class=\"_ _7\"></span>growth rates, interest rates, house price indices <span class=\"_ _7\"></span>and commodity prices among others. These<span class=\"_ gs36\"> </span>assumptions are incorporated using the Group\u2019s <span class=\"_ _7\"></span>most likely forecast for a range of <span class=\"_ _7\"></span>macroeconomic assumptions. These forecasts are determined using all <span class=\"_ _7\"></span>reasonable and supportable information, which includes both <span class=\"_ _7\"></span>internally developed forecasts and those available externally, and <span class=\"_ _7\"></span>are consistent with those used for budgeting, <span class=\"_ _7\"></span>forecasting and capital planning. To account for the potential non-linearity <span class=\"_ _7\"></span>in credit losses, multiple forward-looking scenarios are <span class=\"_ _7\"></span>incorporated into the range of reasonably possible outcomes for all <span class=\"_ _7\"></span>material portfolios. For example, where there is <span class=\"_ _7\"></span>a greater risk of downside credit losses than upside gains, multiple forward-looking economic scenarios are incorporated into the range of reasonably possible outcomes, both in respect of <span class=\"_ _7\"></span>determining the PD (and where relevant, the <span class=\"_ _7\"></span>LGD and EAD) and in determining the<span class=\"_ gs36\"> </span>overall ECL amounts. These scenarios are <span class=\"_ _7\"></span>determined using a Monte Carlo approach centred <span class=\"_ _7\"></span>around the Group\u2019s most likely forecast of macroeconomic assumptions.<span class=\"_ _3eb\"> </span>The period over which cash shortfalls <span class=\"_ _7\"></span>are determined is generally limited to the <span class=\"_ _7\"></span>maximum contractual period for which the<span class=\"_ gs36\"> </span>Group is exposed to credit risk. <span class=\"_ _7\"></span>However, for certain revolving credit facilities, which <span class=\"_ _7\"></span>include credit cards or overdrafts, the<span class=\"_ gs36\"> </span>Group\u2019s exposure to credit risk is <span class=\"_ _7\"></span>not limited to the contractual period. For <span class=\"_ _7\"></span>these instruments, the Group estimates an<span class=\"_ gs36\"> </span>appropriate life based on the period <span class=\"_ _7\"></span>that the Group is exposed to credit <span class=\"_ _7\"></span>risk, which includes the effect of <span class=\"_ _7\"></span>credit risk management actions such as the withdrawal <span class=\"_ _7\"></span>of undrawn facilities.<span class=\"_ _3eb\"> </span>For credit-impaired financial instruments, the estimate <span class=\"_ _7\"></span>of cash shortfalls may require the use <span class=\"_ _7\"></span>of expert credit judgement. The estimate of expected cash shortfalls <span class=\"_ _7\"></span>on a collateralised financial instrument reflects the <span class=\"_ _7\"></span>amount and timing of cash flows that are expected from foreclosure <span class=\"_ _7\"></span>on the collateral less the costs of <span class=\"_ _7\"></span>obtaining and selling the collateral, regardless of<span class=\"_ gs36\"> </span>whether foreclosure is deemed probable.<span class=\"_ _3eb\"> </span>Cash flows from unfunded credit enhancements <span class=\"_ _7\"></span>held are included within the measurement of <span class=\"_ _7\"></span>expected credit losses if<span class=\"_ gs36\"> </span>they<span class=\"_ gs36\"> </span>are part of, or integral to, <span class=\"_ _7\"></span>the contractual terms of the instrument (this <span class=\"_ _7\"></span>includes financial guarantees, unfunded risk<span class=\"_ gs36\"> </span>participations and other non-derivative credit insurance). <span class=\"_ _7\"></span>Although non-integral credit enhancements do not impact the<span class=\"_ gs36\"> </span>measurement of expected credit losses, a <span class=\"_ _7\"></span>reimbursement asset is recognised to the extent <span class=\"_ _7\"></span>of the ECL recorded if this <span class=\"_ _7\"></span>is virtually certain to be received.<span class=\"_ _3eb\"> </span>Cash shortfalls are discounted using the effective interest rate (or credit-adjusted effective interest rate for purchased or<span class=\"_ gs36\"> </span>originated credit-impaired instruments (POCI)) on the <span class=\"_ _7\"></span>financial instrument as calculated at initial recognition <span class=\"_ _7\"></span>or if the instrument has a variable interest rate, <span class=\"_ _7\"></span>the current effective interest rate determined under <span class=\"_ _7\"></span>the contract.<span class=\"_ _3eb\"> </span><table class=\"s w3f8 h22c\" id=\"_a32453d7-0dd5-4236-a911-a640fe365d98\"><tr><td class=\"c n x1ee y6666 w3f9 h205\"><div class=\"t m1 x1ed h2c y65c7 ff1 fs17 fc3 sc0 ls21 ws20\">Instruments<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7f1 y6666 w3fa h215\"><div class=\"t m1 x1ed h2c y65c7 ff4 fs17 fc3 sc0 ls21 ws20\">Location of expected credit loss provisions<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6610 w3fb h203\"><div class=\"t m1 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Financial assets held at amortised cost<span class=\"_ _3eb\"> </span></div></td><td class=\"c x7f3 y6610 w3fc h203\"><div class=\"t m1 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Loss provisions: netted against gross carrying value</div><div class=\"t m1 x7f2 h3c y660d ff1 fs1b fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6577 w3fd h203\"><div class=\"t m1 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Financial assets held FVOCI \u2013 Debt instruments<span class=\"_ _3eb\"> </span></div></td><td class=\"c x7f5 y6577 w3fe h203\"><div class=\"t m1 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Other comprehensive income (FVOCI expected credit loss <span class=\"_ _7\"></span>reserve)</div><div class=\"t m1 x7f4 h3c y660d ff1 fs1b fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6566 w3ff h200\"><div class=\"t m1 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Loan commitments<span class=\"_ _3eb\"> </span></div></td><td class=\"c x7f7 y6566 w400 h203\"><div class=\"t m1 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Provisions for liabilities and charges</div><div class=\"t m1 x7f6 h3c y660d ff1 fs1b fc3 sc0 ls0 ws0\">3<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6567 w401 h203\"><div class=\"t m1 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Financial guarantees<span class=\"_ _3eb\"> </span></div></td><td class=\"c x7f9 y6567 w402 h203\"><div class=\"t m1 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Provisions for liabilities and charges</div><div class=\"t m1 x7f8 h3c y65df ff1 fs1b fc3 sc0 ls0 ws0\">3<span class=\"_ _3eb\"> </span></div></td></tr></table>1 <span class=\"_ _b\"> </span><span class=\"ff4\">Purchased or originated credit-impaired assets do not attract an expected credit loss provision <span class=\"_ _7\"></span>on initial recognition. An expected credit loss provision <span class=\"_ _7\"></span>will be </span>recognised only if there is an increase in <span class=\"_ _7\"></span>expected credit losses from that considered at initial <span class=\"_ _7\"></span>recognition.<span class=\"_ _3eb\"> </span>2 <span class=\"_ _f\"> </span><span class=\"ff4\">Debt and treasury securities classified as fair value through other comprehensive income <span class=\"_ _7\"></span>(FVOCI) are held at fair value on the <span class=\"_ _7\"></span>face of the balance sheet. </span>The<span class=\"_ gs1a2\"> </span>expected credit loss attributed to these instruments is <span class=\"_ _7\"></span>held as a separate reserve within other comprehensive <span class=\"_ _7\"></span>income (OCI) and is recycled to the profit and<span class=\"_ gs1a2\"> </span>loss account along with any fair value measurement <span class=\"_ _7\"></span>gains or losses held within FVOCI when the <span class=\"_ _7\"></span>applicable instruments are derecognised.<span class=\"_ _3eb\"> </span>3 <span class=\"_ _f\"> </span><span class=\"ff4\">Expected credit loss on loan commitments and financial guarantees is recognised as a <span class=\"_ _7\"></span>liability provision. Where a financial instrument includes both <span class=\"_ _7\"></span>a loan </span>(i.e.<span class=\"_ gs1a2\"> </span>financial asset component) and an undrawn commitment (i.e. <span class=\"_ _7\"></span>loan commitment component), and it is not possible <span class=\"_ _7\"></span>to separately identify the expected credit loss on these components, expected credit loss amounts on the loan commitment are recognised together with expected credit loss amounts on the<span class=\"_ gs1a2\"> </span>financial asset. To<span class=\"_ gs1a2\"> </span>the extent the combined expected credit <span class=\"_ _7\"></span>loss exceeds the gross carrying amount of the <span class=\"_ _7\"></span>financial asset, the expected credit loss is<span class=\"_ gs1a2\"> </span>recognised<span class=\"_ gs1a2\"> </span>as a liability provision.<span class=\"_ _3eb\"> </span>Recognition<span class=\"_ _3eb\"> </span>12 months <span class=\"_ _7\"></span>expected credit <span class=\"_ _7\"></span>losses (Stage <span class=\"_ _7\"></span>1)<span class=\"_ _3eb\"> </span>Expected credit losses are recognised at <span class=\"_ _7\"></span>the time of initial recognition of a <span class=\"_ _7\"></span>financial instrument and represent the lifetime cash shortfalls arising from possible default <span class=\"_ _7\"></span>events up to 12 months into the <span class=\"_ _7\"></span>future from the balance sheet date. <span class=\"_ _7\"></span>Expected credit losses continue to be determined <span class=\"_ _7\"></span>on this basis until there is either <span class=\"_ _7\"></span>a significant increase in the credit <span class=\"_ _7\"></span>risk of an instrument or the instrument becomes credit-impaired. <span class=\"_ _7\"></span>If an instrument is no longer considered <span class=\"_ _7\"></span>to exhibit a significant increase in credit risk, expected credit <span class=\"_ _7\"></span>losses will revert to being determined on <span class=\"_ _7\"></span>a 12-month basis.<span class=\"_ _3eb\"> </span>Significant increase <span class=\"_ _7\"></span>in credit <span class=\"_ _7\"></span>risk (Stage <span class=\"_ _7\"></span>2)<span class=\"_ _3eb\"> </span>Significant increase in credit risk is <span class=\"_ _7\"></span>assessed by comparing the risk of default <span class=\"_ _7\"></span>of an exposure at the reporting <span class=\"_ _7\"></span>date to the risk of default at origination (after taking <span class=\"_ _7\"></span>into account the passage of time). Significant <span class=\"_ _7\"></span>does not mean statistically significant nor is it assessed in the <span class=\"_ _7\"></span>context of changes in expected credit loss. <span class=\"_ _7\"></span>Whether a change in the risk <span class=\"_ _7\"></span>of default is significant or not is assessed using a number of <span class=\"_ _7\"></span>quantitative and qualitative factors, the weight of <span class=\"_ _7\"></span>which depends on the type of <span class=\"_ _7\"></span>product and counterparty. Financial assets that are 30 <span class=\"_ _7\"></span>or more days past due and not <span class=\"_ _7\"></span>credit-impaired will always be considered to <span class=\"_ _7\"></span>have experienced a significant increase in credit <span class=\"_ _7\"></span>risk. For less material portfolios where a <span class=\"_ _7\"></span>loss rate or roll rate approach <span class=\"_ _7\"></span>is applied to<span class=\"_ gs36\"> </span>compute expected credit loss, significant increase <span class=\"_ _7\"></span>in credit risk is primarily based on <span class=\"_ _7\"></span>30 days past due.<span class=\"_ _3eb\"> </span>Quantitative factors include an assessment of <span class=\"_ _7\"></span>whether there has been significant increase in <span class=\"_ _7\"></span>the forward-looking probability of default (PD) since origination. A <span class=\"_ _7\"></span>forward-looking PD is one that is adjusted <span class=\"_ _7\"></span>for future economic conditions to the <span class=\"_ _7\"></span>extent these are correlated to changes in <span class=\"_ _7\"></span>credit risk. We compare the residual lifetime <span class=\"_ _7\"></span>PD at the balance sheet date <span class=\"_ _7\"></span>to the residual lifetime PD that was expected at <span class=\"_ _7\"></span>the time of origination for the same <span class=\"_ _7\"></span>point in the term structure and <span class=\"_ _7\"></span>determine whether both the absolute and relative change between <span class=\"_ _7\"></span>the two exceeds predetermined thresholds. To the <span class=\"_ _7\"></span>extent that the differences between the measures of default outlined exceed the defined thresholds, the instrument is considered to have experienced a<span class=\"_ gs36\"> </span>significant increase in credit risk.<span class=\"_ _3eb\"> </span>Qualitative factors assessed include those linked <span class=\"_ _7\"></span>to current credit risk management processes, such <span class=\"_ _7\"></span>as lending placed on<span class=\"_ gs36\"> </span>non-purely precautionary early alert (and subject <span class=\"_ _7\"></span>to closer monitoring).<span class=\"_ _3eb\"> </span>A non-purely precautionary early alert account <span class=\"_ _7\"></span>is one which exhibits material credit concerns <span class=\"_ _7\"></span>which may result in a default by<span class=\"_ gs36\"> </span>the client if left unaddressed, requiring <span class=\"_ _7\"></span>closer monitoring, supervision, or attention by management. <span class=\"_ _7\"></span>Indicators could include a rapid erosion of position <span class=\"_ _7\"></span>within the industry, concerns over management\u2019s ability <span class=\"_ _7\"></span>to manage operations, weak/<span class=\"_ _3eb\"> </span>deteriorating operating results, liquidity strain and <span class=\"_ _7\"></span>overdue balances among other factors.<span class=\"_ _3eb\"> </span>Credit-impaired (or <span class=\"_ _7\"></span>defaulted) exposures <span class=\"_ _7\"></span>(Stage 3)<span class=\"_ _3eb\"> </span>Financial assets that are credit-impaired (or <span class=\"_ _7\"></span>in default) represent those that are at <span class=\"_ _7\"></span>least 90 days past due in <span class=\"_ _7\"></span>respect of principal and/or interest. Financial assets are <span class=\"_ _7\"></span>also considered to be credit-impaired where the <span class=\"_ _7\"></span>obligors are unlikely to pay on<span class=\"_ gs36\"> </span>the occurrence of one or more <span class=\"_ _7\"></span>observable events that have a detrimental impact <span class=\"_ _7\"></span>on the estimated future cash flows of<span class=\"_ gs36\"> </span>the financial asset. It may not <span class=\"_ _7\"></span>be possible to identify a single discrete <span class=\"_ _7\"></span>event but instead the combined effect <span class=\"_ _7\"></span>of several events may cause financial assets to <span class=\"_ _7\"></span>become credit-impaired.<span class=\"_ _3eb\"> </span>Evidence that a financial asset is <span class=\"_ _7\"></span>credit-impaired includes observable data about the following <span class=\"_ _7\"></span>events: <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">Significant financial difficulty of the issuer or borrower;</span> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">Breach of contract such as default or a past due event;</span> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">For economic or contractual reasons relating to the borrower\u2019s financial difficulty, the <span class=\"_ _7\"></span>lenders of the borrower have </span>granted the borrower concession(s) that lenders <span class=\"_ _7\"></span>would not otherwise consider. This would include <span class=\"_ _7\"></span>forbearance actions;  <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">Pending or actual bankruptcy or other financial reorganisation to avoid or delay <span class=\"_ _7\"></span>discharge of the borrower\u2019s obligation(s);</span> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">The disappearance of an active market for the applicable financial asset due <span class=\"_ _7\"></span>to financial difficulties of the borrower;</span> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">Purchase or origination of a financial asset at a deep discount that <span class=\"_ _7\"></span>reflects incurred credit losses.<span class=\"_ _3eb\"> </span></span>Lending commitments to a credit-impaired obligor <span class=\"_ _7\"></span>that have not yet been drawn down <span class=\"_ _7\"></span>are included to the extent that <span class=\"_ _7\"></span>the commitment cannot be withdrawn. Loss provisions <span class=\"_ _7\"></span>against credit-impaired financial assets are determined based <span class=\"_ _7\"></span>on an assessment of the present value of <span class=\"_ _7\"></span>expected cash shortfalls (discounted at the instrument\u2019s <span class=\"_ _7\"></span>original effective interest rate) under a range of scenarios, including <span class=\"_ _7\"></span>the realisation of any collateral held where <span class=\"_ _7\"></span>appropriate. The Group\u2019s definition of default is aligned with the regulatory <span class=\"_ _7\"></span>definition of default as set out in <span class=\"_ _7\"></span>the UK\u2019s onshored capital requirements regulations (Art 178).<span class=\"_ _3eb\"> </span>Expert credit <span class=\"_ _7\"></span>judgement<span class=\"_ _3eb\"> </span>For Corporate &amp; Investment banking and Private banking, borrowers are graded by credit risk management on a credit grading (CG) scale from CG1 to <span class=\"_ _7\"></span>CG14. Once a borrower starts to exhibit <span class=\"_ _7\"></span>credit deterioration, it will move along <span class=\"_ _7\"></span>the credit grading scale in the performing book. <span class=\"_ _7\"></span>When a borrower is classified as CG12 <span class=\"_ _7\"></span>(which is the lowest performing book <span class=\"_ _7\"></span>and credit<span class=\"_ gs36\"> </span>grade and is a qualitative trigger <span class=\"_ _7\"></span>for significant increase in credit risk (see <span class=\"_ _7\"></span>page 275) it will continue to <span class=\"_ _7\"></span>be primarily managed by relationship managers in the <span class=\"_ _7\"></span>CIB unit with support from Stressed Asset <span class=\"_ _7\"></span>Group (SAG) for certain accounts. SAG is<span class=\"_ gs36\"> </span>the Group\u2019s specialist recovery unit, which <span class=\"_ _7\"></span>is independent of the Client Coverage/Relationship Managers.<span class=\"_ _3eb\"> </span>Borrowers graded CG12 exhibit well-defined weaknesses <span class=\"_ _7\"></span>in areas such as management and/or performance <span class=\"_ _7\"></span>but there is no<span class=\"_ gs36\"> </span>current expectation of a loss of <span class=\"_ _7\"></span>principal or interest at this stage and <span class=\"_ _7\"></span>there is no indication of unlikeliness <span class=\"_ _7\"></span>to repay (it is still a performing asset). Where the impairment <span class=\"_ _7\"></span>assessment indicates that there will be a <span class=\"_ _7\"></span>loss of principal on a loan <span class=\"_ _7\"></span>in the likely scenario, the borrower is graded a <span class=\"_ _7\"></span>CG14 while borrowers of other credit-impaired loans <span class=\"_ _7\"></span>are graded CG13. Instruments graded CG13 or CG14 are regarded as <span class=\"_ _7\"></span>stage 3.<span class=\"_ _3eb\"> </span>Credit-impaired accounts are managed by SAG. <span class=\"_ _7\"></span>Where a portion of exposure is considered <span class=\"_ _7\"></span>not recoverable, a stage 3 credit<span class=\"_ gs36\"> </span>impairment provision is raised. This stage <span class=\"_ _7\"></span>3 provision is the difference between the <span class=\"_ _7\"></span>loan-carrying amount and the probability-weighted present value of estimated future <span class=\"_ _7\"></span>cash flows, reflecting a range of scenarios <span class=\"_ _7\"></span>(typically the \u2018upside\u2019, \u2018downside\u2019 and \u2018likely\u2019 recovery outcomes). Where <span class=\"_ _7\"></span>the exposure is secured by collateral, the <span class=\"_ _7\"></span>values used will incorporate the impact of forward-looking economic information on <span class=\"_ _7\"></span>the value recoverable collateral and time to <span class=\"_ _7\"></span>realise the same. The individual circumstances of each client <span class=\"_ _7\"></span>are considered when SAG estimates future cashflows <span class=\"_ _7\"></span>and the timing of future recoveries which involves significant judgement. All <span class=\"_ _7\"></span>available sources, such as cash flow arising <span class=\"_ _7\"></span>from operations, selling assets<span class=\"_ gs36\"> </span>or subsidiaries, realising collateral or payments <span class=\"_ _7\"></span>under guarantees, are considered. In any decision <span class=\"_ _7\"></span>relating to the raising of<span class=\"_ gs36\"> </span>provisions, the Group attempts to <span class=\"_ _7\"></span>balance economic conditions, local knowledge and experience, <span class=\"_ _7\"></span>and the results of<span class=\"_ gs36\"> </span>independent asset reviews. The individual impairment <span class=\"_ _7\"></span>provisions (viz. those not directly from a <span class=\"_ _7\"></span>model) are approved by<span class=\"_ gs36\"> </span>Stressed Assets Risk (SAR) who are <span class=\"_ _7\"></span>in the Second Line of Defence.<span class=\"_ _3eb\"> </span>For financial assets which are not <span class=\"_ _7\"></span>individually significant, such as the Retail Banking <span class=\"_ _7\"></span>portfolio or small business loans, which comprise a large number of homogeneous <span class=\"_ _7\"></span>loans that share similar characteristics, statistical estimates <span class=\"_ _7\"></span>and techniques are used, as well as credit scoring <span class=\"_ _7\"></span>analysis.<span class=\"_ _3eb\"> </span>Wealth, Retail and Business Banking clients <span class=\"_ _7\"></span>are considered credit-impaired where they are more <span class=\"_ _7\"></span>90 days past due, or if <span class=\"_ _7\"></span>the borrower files for bankruptcy or other forbearance programme, the borrower is deceased or the business is closed in the case of a small business, or if <span class=\"_ _7\"></span>the borrower surrenders the collateral, or there <span class=\"_ _7\"></span>is an identified fraud on the <span class=\"_ _7\"></span>account. Additionally, if<span class=\"_ gs36\"> </span>the account is unsecured and the <span class=\"_ _7\"></span>borrower has other credit accounts with the <span class=\"_ _7\"></span>Group that are considered credit-impaired, the account may also be credit-impaired.<span class=\"_ _3eb\"> </span>Techniques used to compute impairment amounts <span class=\"_ _7\"></span>use models which analyse historical repayment and <span class=\"_ _7\"></span>default rates over a<span class=\"_ gs36\"> </span>time horizon. Where various models are <span class=\"_ _7\"></span>used, judgement is required to analyse the <span class=\"_ _7\"></span>available information provided and select the appropriate model or combination <span class=\"_ _7\"></span>of models to use.<span class=\"_ _3eb\"> </span>The core components in determining credit-impaired <span class=\"_ _7\"></span>expected credit loss provisions are the value <span class=\"_ _7\"></span>of gross charge-off and<span class=\"_ gs36\"> </span>recoveries. Gross charge-off and/or loss provisions <span class=\"_ _7\"></span>are recognised when it is established that <span class=\"_ _7\"></span>the account is unlikely to<span class=\"_ gs36\"> </span>pay through the normal process. Recovery <span class=\"_ _7\"></span>of unsecured debt post credit impairment is <span class=\"_ _7\"></span>recognised based on actual cash collected, either directly from clients or <span class=\"_ _7\"></span>through the sale of defaulted loans to <span class=\"_ _7\"></span>third-party institutions. Release of credit impairment provisions for secured loans is <span class=\"_ _7\"></span>recognised if the loan outstanding is paid <span class=\"_ _7\"></span>in full (release of full provision), or<span class=\"_ gs36\"> </span>the<span class=\"_ gs36\"> </span>provision is higher than the loan <span class=\"_ _7\"></span>outstanding (release of the excess provision).<span class=\"_ _3eb\"> </span>Expert credit judgement is also applied to determine whether any post-model adjustments are required for credit risk elements which are not captured by <span class=\"_ _7\"></span>the models. Modified financial <span class=\"_ _7\"></span>instruments<span class=\"_ _3eb\"> </span>Where the original contractual terms of <span class=\"_ _7\"></span>a financial asset have been modified for <span class=\"_ _7\"></span>credit reasons and the instrument has <span class=\"_ _7\"></span>not been derecognised (an instrument is derecognised <span class=\"_ _7\"></span>when a modification results in a change <span class=\"_ _7\"></span>in cash flows that the Group would consider substantial), the resulting modification <span class=\"_ _7\"></span>loss is recognised within credit impairment in <span class=\"_ _7\"></span>the income statement with a corresponding decrease in the <span class=\"_ _7\"></span>gross carrying value of the asset. If <span class=\"_ _7\"></span>the modification involved a concession that <span class=\"_ _7\"></span>the bank would not otherwise consider, the <span class=\"_ _7\"></span>instrument is considered to be credit-impaired and <span class=\"_ _7\"></span>is considered forborne.<span class=\"_ _3eb\"> </span>Expected credit loss for modified financial <span class=\"_ _7\"></span>assets that have not been derecognised and <span class=\"_ _7\"></span>are not considered to be credit-<span class=\"_ _3eb\"> </span>impaired will be recognised on a <span class=\"_ _7\"></span>12-month basis, or a lifetime basis, if <span class=\"_ _7\"></span>there is a significant increase in <span class=\"_ _7\"></span>credit risk. These assets are assessed (by comparison to the <span class=\"_ _7\"></span>origination date) to determine whether there has <span class=\"_ _7\"></span>been a significant increase in credit <span class=\"_ _7\"></span>risk subsequent to the modification. Although loans <span class=\"_ _7\"></span>may be modified for non-credit reasons, a <span class=\"_ _7\"></span>significant increase in credit risk may occur. In addition to the <span class=\"_ _7\"></span>recognition of modification gains and losses, the <span class=\"_ _7\"></span>revised carrying value of modified financial assets will impact the calculation of expected credit losses, with any increase or decrease in expected credit loss recognised within impairment.<span class=\"_ _3eb\"> </span>Forborne loans<span class=\"_ _3eb\"> </span>Forborne loans are those loans that <span class=\"_ _7\"></span>have been modified in response to a <span class=\"_ _7\"></span>customer\u2019s financial difficulties. Forbearance strategies assist clients who are temporarily <span class=\"_ _7\"></span>in financial distress and are unable to <span class=\"_ _7\"></span>meet their original contractual repayment terms. Forbearance can be initiated by <span class=\"_ _7\"></span>the client, the Group or a third-party <span class=\"_ _7\"></span>including government sponsored programmes or<span class=\"_ gs36\"> </span>a conglomerate of credit institutions. Forbearance <span class=\"_ _7\"></span>may include debt restructuring such as new <span class=\"_ _7\"></span>repayment schedules, payment deferrals, tenor extensions, interest only <span class=\"_ _7\"></span>payments, lower interest rates, forgiveness of principal, <span class=\"_ _7\"></span>interest or fees, or<span class=\"_ gs36\"> </span>relaxation of loan covenants<span class=\"_ _3eb\"> </span>.<span class=\"_ _3eb\"> </span>Forborne loans that have been modified <span class=\"_ _7\"></span>(and not derecognised) on terms that are <span class=\"_ _7\"></span>not consistent with those readily available in the market and/or where <span class=\"_ _7\"></span>we have granted a concession compared to <span class=\"_ _7\"></span>the original terms of the loans <span class=\"_ _7\"></span>are considered credit-impaired if there is a <span class=\"_ _7\"></span>detrimental impact on cash flows. The modification <span class=\"_ _7\"></span>loss (see Classification and measurement \u2013 Modifications) is recognised in <span class=\"_ _7\"></span>the profit or loss within credit impairment <span class=\"_ _7\"></span>and the gross carrying value of the<span class=\"_ gs36\"> </span>loan reduced by the same amount. <span class=\"_ _7\"></span>The modified loan is disclosed as \u2018Loans <span class=\"_ _7\"></span>subject to forbearance \u2013 credit-impaired\u2019.<span class=\"_ _3eb\"> </span>Loans that have been subject to <span class=\"_ _7\"></span>a forbearance modification, but which are not <span class=\"_ _7\"></span>considered credit-impaired (not classified as<span class=\"_ gs36\"> </span>CG13 or CG14), are disclosed as <span class=\"_ _7\"></span>\u2018Forborne \u2013 not credit-impaired\u2019. This may include <span class=\"_ _7\"></span>amendments to covenants within the contractual terms.<span class=\"_ _3eb\"> </span>Write-offs of <span class=\"_ _7\"></span>credit-impaired instruments <span class=\"_ _7\"></span>and reversal <span class=\"_ _7\"></span>of impairment<span class=\"_ _3eb\"> </span>To the extent a financial debt <span class=\"_ _7\"></span>instrument is considered irrecoverable, the applicable portion <span class=\"_ _7\"></span>of the gross carrying value is<span class=\"_ gs36\"> </span>written off against the related loan <span class=\"_ _7\"></span>provision. Such loans are written off after <span class=\"_ _7\"></span>all the necessary procedures have been completed, it is decided that there <span class=\"_ _7\"></span>is no realistic probability of recovery and <span class=\"_ _7\"></span>the amount of the loss has <span class=\"_ _7\"></span>been determined. Subsequent recoveries of amounts previously written <span class=\"_ _7\"></span>off decrease the amount of the provision <span class=\"_ _7\"></span>for credit impairment in the income statement. Loss provisions <span class=\"_ _7\"></span>on purchased <span class=\"_ _7\"></span>or originated <span class=\"_ _7\"></span>credit-impaired instruments <span class=\"_ _7\"></span>(POCI)<span class=\"_ _3eb\"> </span>The Group measures expected credit loss <span class=\"_ _7\"></span>on a lifetime basis for POCI instruments <span class=\"_ _7\"></span>throughout the life of the instrument. However, expected credit loss is not <span class=\"_ _7\"></span>recognised in a separate loss provision on <span class=\"_ _7\"></span>initial recognition for POCI instruments as the<span class=\"_ gs36\"> </span>lifetime expected credit loss is inherent <span class=\"_ _7\"></span>within the gross carrying amount of the <span class=\"_ _7\"></span>instruments. The Group recognises the<span class=\"_ gs36\"> </span>change in lifetime expected credit losses <span class=\"_ _7\"></span>arising subsequent to initial recognition in the <span class=\"_ _7\"></span>income statement and the cumulative change as a loss provision. <span class=\"_ _7\"></span>Where lifetime expected credit losses on POCI <span class=\"_ _7\"></span>instruments are less than those at<span class=\"_ gs36\"> </span>initial<span class=\"_ gs36\"> </span>recognition, then the favourable differences are <span class=\"_ _7\"></span>recognised as impairment gains in the income <span class=\"_ _7\"></span>statement (and<span class=\"_ gs36\"> </span>as<span class=\"_ gs36\"> </span>impairment loss where the expected credit <span class=\"_ _7\"></span>losses are greater).<span class=\"_ _3eb\"> </span>Improvement in <span class=\"_ _7\"></span>credit risk/curing<span class=\"_ _3eb\"> </span>For financial assets that are credit-impaired <span class=\"_ _7\"></span>(stage 3), a transfer to stage 2 <span class=\"_ _7\"></span>or stage 1 is only permitted <span class=\"_ _7\"></span>where the instrument is no longer considered to be <span class=\"_ _7\"></span>credit-impaired. An instrument will no longer be <span class=\"_ _7\"></span>considered credit-impaired when there is<span class=\"_ gs36\"> </span>no<span class=\"_ gs36\"> </span>shortfall of cash flows compared to <span class=\"_ _7\"></span>the original contractual terms.<span class=\"_ _3eb\"> </span>For financial assets within stage 2, <span class=\"_ _7\"></span>these can only be transferred to stage <span class=\"_ _7\"></span>1 when they are no longer <span class=\"_ _7\"></span>considered to have experienced a significant increase in credit <span class=\"_ _7\"></span>risk.<span class=\"_ _3eb\"> </span>Where a significant increase in credit <span class=\"_ _7\"></span>risk was determined using quantitative measures, the <span class=\"_ _7\"></span>instruments will automatically transfer back to stage 1 when <span class=\"_ _7\"></span>the original PD based transfer criteria are <span class=\"_ _7\"></span>no longer met. Where instruments were <span class=\"_ _7\"></span>transferred to stage 2 due to an <span class=\"_ _7\"></span>assessment of qualitative factors, the issues that <span class=\"_ _7\"></span>led to the reclassification must be <span class=\"_ _7\"></span>cured before the instruments can be reclassified to stage <span class=\"_ _7\"></span>1. This includes instances where management actions <span class=\"_ _7\"></span>led to instruments being classified as stage 2, requiring that <span class=\"_ _7\"></span>action to be resolved before loans are <span class=\"_ _7\"></span>reclassified to stage 1.<span class=\"_ _3eb\"> </span>A forborne loan can only be <span class=\"_ _7\"></span>removed from being disclosed as forborne if <span class=\"_ _7\"></span>the loan is performing (stage 1 <span class=\"_ _7\"></span>or 2) and a further two-year probation period is met. In order for a forborne loan <span class=\"_ _7\"></span>to become performing, the following criteria have <span class=\"_ _7\"></span>to be satisfied: <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ls2\">At least a year has passed with no default based upon the forborne contract terms</span> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">The customer is likely to repay its obligations in full without realising <span class=\"_ _7\"></span>security</span> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">The customer has no accumulated impairment against amount outstanding (except for ECL)<span class=\"_ _3eb\"> </span></span>Subsequent to the criteria above, a <span class=\"_ _7\"></span>further two-year probation period has to be <span class=\"_ _7\"></span>fulfilled, whereby regular payments are made by the customer and none <span class=\"_ _7\"></span>of the exposures to the customer are <span class=\"_ _7\"></span>more than 30 days past due.<span class=\"_ _3eb\"> </span>Accounting policy<span class=\"_ _3eb\"> </span>Refer to the below referenced notes <span class=\"_ _7\"></span>for the relevant accounting policy.<span class=\"_ _3eb\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForImpairmentOfAssetsExplanatory",
    "language": "en",
    "entity": "scheme:U4LOSYZ7YG4W3S5F2G91",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-631": {
   "value": "10. Taxation<span class=\"_ _3eb\"> </span>Accounting policy<span class=\"_ _3eb\"> </span>Income tax payable on profits is <span class=\"_ _7\"></span>based on the applicable tax law in <span class=\"_ _7\"></span>each jurisdiction and is recognised as <span class=\"_ _7\"></span>an expense in<span class=\"_ gs36\"> </span>the<span class=\"_ gs36\"> </span>period in which profits arise.<span class=\"_ _3eb\"> </span>Deferred tax is provided on temporary <span class=\"_ _7\"></span>differences arising between the tax bases of <span class=\"_ _7\"></span>assets and liabilities and their carrying amounts in the consolidated financial statements. <span class=\"_ _7\"></span>Deferred tax is determined using tax rates <span class=\"_ _7\"></span>(and laws) that have been enacted or substantively enacted as at the balance sheet date, and that are expected to apply when the related deferred tax asset is realised or the <span class=\"_ _7\"></span>deferred income tax liability is settled.<span class=\"_ _3eb\"> </span>Deferred tax assets are recognised where it is probable that future taxable profit will be available against which the temporary differences can be utilised. Where <span class=\"_ _7\"></span>permitted, deferred tax assets and liabilities are <span class=\"_ _7\"></span>offset on an entity basis and<span class=\"_ gs36\"> </span>not by component of deferred taxation.<span class=\"_ _3eb\"> </span>Current and deferred tax relating to items which are charged or credited directly to equity, is credited or charged directly to<span class=\"_ gs36\"> </span>equity and is subsequently recognised in <span class=\"_ _7\"></span>the income statement together with the current <span class=\"_ _7\"></span>or deferred gain or loss.<span class=\"_ _3eb\"> </span>Other accounting <span class=\"_ _7\"></span>estimates and <span class=\"_ _7\"></span>judgements <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">Determining the Group\u2019s tax charge for the year involves estimation and judgement, <span class=\"_ _7\"></span>which includes an interpretation </span>of<span class=\"_ gs36\"> </span>local tax laws and an assessment <span class=\"_ _7\"></span>of whether the tax authorities will accept <span class=\"_ _7\"></span>the position taken. These judgements take<span class=\"_ gs36\"> </span>account of external advice where appropriate, <span class=\"_ _7\"></span>and the Group\u2019s view on settling with <span class=\"_ _7\"></span>the relevant tax authorities <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">The Group provides for current tax liabilities at the best estimate of <span class=\"_ _7\"></span>the amount that is expected to <span class=\"_ _7\"></span>be paid to the tax </span>authorities where an outflow is probable. <span class=\"_ _7\"></span>In making its estimates the Group assumes <span class=\"_ _7\"></span>that the tax authorities will examine all the amounts reported to them <span class=\"_ _7\"></span>and have full knowledge of all relevant <span class=\"_ _7\"></span>information <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">The recoverability of the Group\u2019s deferred tax assets is based on management\u2019s <span class=\"_ _7\"></span>judgement of the availability of future </span>taxable profits against which the deferred <span class=\"_ _7\"></span>tax assets will be utilised. In preparing <span class=\"_ _7\"></span>management forecasts the effect of<span class=\"_ gs36\"> </span>applicable laws and regulations relevant to <span class=\"_ _7\"></span>the utilisation of future taxable profits have <span class=\"_ _7\"></span>been considered.<span class=\"_ _3eb\"> </span>The following table provides analysis of <span class=\"_ _7\"></span>taxation charge in the year:<span class=\"_ _3eb\"> </span><table class=\"s w417 h22f\" id=\"_46b0dfc6-09b3-4862-948b-50aa2d814dbb\"><tr><td></td><td class=\"t m0 x230 h38 y6673 ff5 fs17 fc0 sc0 ls21 ws20\">2025<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x231 h39 y6673 ff1 fs17 fc3 sc0 ls21 ws20\">2024<span class=\"_ _3eb\"> </span></td></tr><tr><td></td><td class=\"t m0 x233 h38 y6674 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x234 h2c y6674 ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"t m0 x235 h1a y6675 ff4 fs5 fc3 sc0 ls5 ws5\">The charge for taxation based upon the <span class=\"_ _7\"></span>profit for the year comprises:<span class=\"_ _3eb\"> </span></td><td></td><td></td></tr><tr><td class=\"t m0 x235 h8 y6676 ff5 fs5 fc3 sc0 ls5 ws5\">Current tax:<span class=\"_ _3eb\"> </span></td><td></td><td></td></tr><tr><td class=\"t m0 x235 h1a y6677 ff4 fs5 fc3 sc0 ls5 ws5\">United Kingdom corporation tax at 25 per <span class=\"_ _7\"></span>cent (2024: 25 per cent):<span class=\"_ _3eb\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x236 y655b w418 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Current tax charge on income for the year<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x80e y655b w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x80f y655b w2b4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">16<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x236 y655c w419 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">Adjustments in respect of prior years (including <span class=\"_ _7\"></span>double tax relief)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x810 y655c w1de h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">7<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x811 y655c w41a h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x235 h1a y6678 ff4 fs5 fc3 sc0 ls5 ws5\">Foreign tax:<span class=\"_ _3eb\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x236 y6679 w418 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Current tax charge on income for the year<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x812 y6679 w41b h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">1,873<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x813 y6679 w41c h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">1,752<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x236 y667a w41d h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Adjustments in respect of prior years<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x814 y667a w261 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(45)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x815 y667a w75 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(8)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td class=\"c n x7e0 y6646 w41e h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">1,835<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x816 y6646 w41f h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">1,761<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x235 h8 y667b ff5 fs5 fc3 sc0 ls5 ws5\">Deferred tax:<span class=\"_ _3eb\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x1ee y6562 w420 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">Origination/reversal of temporary differences<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x817 y6562 w14a h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">112<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x818 y6562 w421 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">198<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6610 w41d h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Adjustments in respect of prior years<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x819 y6610 w422 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(81)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x81a y6610 wcf h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">13<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td class=\"c n x81b y6577 w423 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">31<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x81c y6577 w1e5 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">211<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6566 w424 h203\"><div class=\"t m0 x1ed h3d y655f ff5 fs5 fc3 sc0 ls5 ws5\">Tax on profits on ordinary activities<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x81d y6566 w80 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">1,866<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x81e y6566 w425 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">1,972<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6567 w426 h203\"><div class=\"t m0 x1ed h3d y655f ff5 fs5 fc3 sc0 ls5 ws5\">Effective tax rate<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x81f y6567 w427 h203\"><div class=\"t m0 x1ed h3d y655f ff7 fs5 fc3 sc0 ls5 ws5\">26.8%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x820 y6567 w428 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">32.8%<span class=\"_ _3eb\"> </span></div></td></tr></table><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs30f\">The tax charge for the year <span class=\"_ _7\"></span>of $1,866 million (31 December 2024: $1,972 <span class=\"_ _7\"></span>million) on a profit before tax <span class=\"_ _7\"></span>of $6,963 million </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs310\">(31 December 2024: $6,014 million) reflects <span class=\"_ _7\"></span>the impact of non-creditable withholding taxes and <span class=\"_ _7\"></span>other taxes, non-deductible </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs311\">expenses and tax losses for which <span class=\"_ _7\"></span>no deferred tax assets are recognised. These <span class=\"_ _7\"></span>are partly offset by countries with <span class=\"_ _7\"></span>tax rates </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs312\">lower than the UK, the most <span class=\"_ _7\"></span>significant of which are Hong Kong and <span class=\"_ _7\"></span>Singapore, and tax-exempt income. </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs313\">Foreign tax includes current tax of <span class=\"_ _7\"></span>$359 million (31 December 2024: $272 million) <span class=\"_ _7\"></span>on the profits assessable in Hong <span class=\"_ _7\"></span>Kong. </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs314\">Deferred tax includes origination or reversal <span class=\"_ _7\"></span>of temporary differences of $17 million (31 <span class=\"_ _7\"></span>December 2024: $8 million) provided </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs315\">at<span class=\"_ gs36\"> </span>a<span class=\"_ gs36\"> </span>rate of 16.5 per cent (31 <span class=\"_ _7\"></span>December 2024: 16.5 per cent) on the <span class=\"_ _7\"></span>profits assessable in Hong Kong.<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs316\">The Group falls within the Pillar <span class=\"_ _7\"></span>Two global minimum tax rules which apply <span class=\"_ _7\"></span>in the UK from 1 January <span class=\"_ _7\"></span>2024. The IAS 12 exception </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs317\">to recognise and disclose information about <span class=\"_ _7\"></span>deferred tax assets and liabilities related to <span class=\"_ _7\"></span>Pillar Two income taxes has been </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs318\">applied. The current tax charge for <span class=\"_ _7\"></span>the period ended 31 December 2025 includes <span class=\"_ _7\"></span>$14m in respect of current period <span class=\"_ _7\"></span>Pillar Two </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs319\">income taxes (31 December 2024: $17m) <span class=\"_ _7\"></span>and $10m in respect of the prior <span class=\"_ _7\"></span>period (31 December 2024: $nil).<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs31a\">Tax rate: The tax charge for <span class=\"_ _7\"></span>the year is higher than the charge <span class=\"_ _7\"></span>at the rate of corporation tax <span class=\"_ _7\"></span>in the UK, 25 per cent. </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs31b\">The<span class=\"_ gs36\"> </span>differences are explained below:<span class=\"_ _3eb\"> </span></div><div class=\"gs31c\"><table class=\"s w429 h230\" id=\"_a5fe3ee5-89d6-40fc-890e-a7824efce1ef\"><tr><td></td><td class=\"c n x821 y667c w36d h215\"><div class=\"t m0 x1ed h38 y6563 ff5 fs17 fc0 sc0 ls21 ws20\">2025<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n x822 y667c w307 h205\"><div class=\"t m0 x1ed h38 y6563 ff1 fs17 fc3 sc0 ls21 ws20\">2024<span class=\"_ _3eb\"> </span></div></td><td></td></tr><tr><td></td><td class=\"c n x823 y667d w173 h215\"><div class=\"t m0 x1ed h2c y65c7 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x824 y667d w42a h215\"><div class=\"t m0 x1ed h2c y65c7 ff5 fs17 fc0 sc0 ls0 ws0\">%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x825 y667d w42b h215\"><div class=\"t m0 x1ed h2c y65c7 ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x826 y667d w42c h205\"><div class=\"t m0 x1ed h2c y65c7 ff1 fs17 fc3 sc0 ls0 ws0\">%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6556 w42d h201\"><div class=\"t m0 x1ed h3d y6548 ff5 fs5 fc3 sc0 ls5 ws5\">Profit on ordinary activities before tax<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x827 y6556 w69 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">6,963<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n x828 y6556 w1bb h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">6,014<span class=\"_ _3eb\"> </span></div></td><td></td></tr><tr><td class=\"c n x1ee y6557 w42e h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">Tax at 25 per cent (2024: 25 <span class=\"_ _7\"></span>per cent)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x829 y6557 w42f h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">1,741<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x82a y6557 w430 h201\"><div class=\"t m0 x1ed h3d y6548 ff7 fs5 fc3 sc0 ls5 ws5\">25.0<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x82b y6557 w431 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">1,504<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x82c y6557 w432 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">25.0<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6558 w433 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Lower tax rates on overseas earnings<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x82d y6558 w434 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(482)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x82e y6558 w435 h201\"><div class=\"t m0 x1ed h3d y6548 ff7 fs5 fc3 sc0 ls5 ws5\">(6.9)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x82f y6558 w25c h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(425)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x830 y6558 w436 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(7.1)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y658b w437 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Higher tax rates on overseas earnings<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x831 y658b w33b h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">219<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x832 y658b w438 h201\"><div class=\"t m0 x1ed h3d y6548 ff7 fs5 fc3 sc0 ls5 ws5\">3.1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x833 y658b w11b h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">269<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x834 y658b w439 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">4.5<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6570 w43a h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Tax at domestic rates applicable where profits earned<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x835 y6570 w43b h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">1,478<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x836 y6570 we7 h201\"><div class=\"t m0 x1ed h3d y6548 ff7 fs5 fc3 sc0 ls5 ws5\">21.2<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x837 y6570 w43c h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">1,348<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x838 y6570 w43d h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">22.4<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6571 w43e h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">Non-creditable withholding taxes and other taxes<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x839 y6571 w15f h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">319<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x83a y6571 w43f h201\"><div class=\"t m0 x1ed h3d y6548 ff7 fs5 fc3 sc0 ls5 ws5\">4.6<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x83b y6571 w140 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">260<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x83c y6571 w440 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">4.3<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y655c w441 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Tax exempt income<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x83d y655c w442 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(160)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x83e y655c w443 h201\"><div class=\"t m0 x1ed h3d y6548 ff7 fs5 fc3 sc0 ls5 ws5\">(2.3)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x83f y655c w444 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(133)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x840 y655c w445 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(2.2)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y655d w446 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">Share of associates and joint ventures<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x841 y655d w257 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(10)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x842 y655d w447 h203\"><div class=\"t m0 x1ed h3d y655f ff7 fs5 fc3 sc0 ls5 ws5\">(0.2)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x843 y655d w448 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(6)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x844 y655d w449 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(0.1)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6573 w44a h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Non-deductible expenses<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x845 y6573 w405 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">256<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x846 y6573 w44b h203\"><div class=\"t m0 x1ed h3d y655f ff7 fs5 fc3 sc0 ls5 ws5\">3.7<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x847 y6573 w44c h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">243<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x848 y6573 w44d h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">4.0<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6574 w44e h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Bank levy<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x849 y6574 w423 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">13<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x84a y6574 w44f h203\"><div class=\"t m0 x1ed h3d y655f ff7 fs5 fc3 sc0 ls5 ws5\">0.2<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x84b y6574 wa2 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">23<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x84c y6574 w44d h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">0.4<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y667f w450 h231\"><div class=\"t m0 x1ed h3b y6600 ff1 fs5 fc3 sc0 ls5 ws0\">Non-taxable losses on investments</div><div class=\"t m0 x84d h3c y667e ff1 fs1b fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x84e y6560 w3a4 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(25)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x84f y6560 w451 h203\"><div class=\"t m0 x1ed h3d y655f ff7 fs5 fc3 sc0 ls5 ws5\">(0.4)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x850 y6560 w3a7 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">35<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x851 y6560 w452 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">0.6<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6575 w453 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">Payments on financial instruments in reserves<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x852 y6575 w454 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(80)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x853 y6575 w455 h203\"><div class=\"t m0 x1ed h3d y655f ff7 fs5 fc3 sc0 ls5 ws5\">(1.2)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x854 y6575 w456 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(72)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x855 y6575 w457 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(1.2)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y658d w458 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Deferred tax not recognised<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x856 y658d w459 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">220<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x857 y658d w45a h203\"><div class=\"t m0 x1ed h3d y655f ff7 fs5 fc3 sc0 ls5 ws5\">3.2<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x858 y658d w1c7 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">298<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x859 y658d w45b h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">5.0<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y658e w45c h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Deferred tax rate changes<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x85a y658e w45d h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">3<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x85b y658e w45e h203\"><div class=\"t m0 x1ed h3d y655f ff7 fs5 fc3 sc0 ls5 ws5\">0.1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x85c y658e w38c h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(3)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x85d y658e w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6659 w45f h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Adjustments to tax charge in respect of prior years<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x85e y6659 w460 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(119)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x85f y6659 w461 h203\"><div class=\"t m0 x1ed h3d y655f ff7 fs5 fc3 sc0 ls5 ws5\">(1.7)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x860 y6659 wa8 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">6<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x861 y6659 w462 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">0.1<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6566 w463 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Other items<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x862 y6566 w464 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(29)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x863 y6566 w451 h203\"><div class=\"t m0 x1ed h3d y655f ff7 fs5 fc3 sc0 ls5 ws5\">(0.4)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x864 y6566 w456 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(27)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x865 y6566 w444 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(0.5)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6567 w465 h203\"><div class=\"t m0 x1ed h3d y655f ff5 fs5 fc3 sc0 ls5 ws5\">Tax on profit on ordinary activities<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x866 y6567 w466 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">1,866<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x867 y6567 w467 h203\"><div class=\"t m0 x1ed h3d y655f ff7 fs5 fc3 sc0 ls5 ws5\">26.8<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x868 y6567 w468 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">1,972<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x869 y6567 w469 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">32.8<span class=\"_ _3eb\"> </span></div></td></tr></table></div><div class=\"t m0 hb ff1 fs7 fc3 sc0 ls7 ws7 gs31d\">1 <span class=\"_ _b\"> </span><span class=\"ff4\">2025 Includes tax impact of $3m (2024:$55m) relating to loss on sale of <span class=\"_ _7\"></span>subsidiaries in Africa.<span class=\"_ _3eb\"> </span></span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs31e\">Factors affecting the tax charge in <span class=\"_ _7\"></span>future years: the Group\u2019s tax charge, and <span class=\"_ _7\"></span>effective tax rate in future years <span class=\"_ _7\"></span>could be affected </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs31f\">by several factors including acquisitions, disposals <span class=\"_ _7\"></span>and restructuring of our businesses, the mix <span class=\"_ _7\"></span>of profits across jurisdictions with </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs320\">different statutory tax rates, changes in <span class=\"_ _7\"></span>tax legislation and tax rates and resolution <span class=\"_ _7\"></span>of uncertain tax positions.<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs322\">The evaluation of uncertain tax positions <span class=\"_ _7\"></span>involves an interpretation of local tax laws <span class=\"_ _7\"></span>which could be subject to challenge <span class=\"_ _7\"></span>by </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs323\">a<span class=\"_ gs36\"> </span>tax authority, and an assessment of <span class=\"_ _7\"></span>whether the tax authorities will accept the <span class=\"_ _7\"></span>position taken. The Group does not <span class=\"_ _7\"></span>currently </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs324\">consider that assumptions or judgements made <span class=\"_ _7\"></span>in assessing tax liabilities have a significant <span class=\"_ _7\"></span>risk of resulting in a material </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs325\">adjustment within the next financial year.<span class=\"_ _3eb\"> </span></div><div class=\"gs326\"><table class=\"s w46a h232\" id=\"_2eac3318-5203-4306-988a-648878048a63\"><tr><td></td><td></td><td class=\"c n x86a y6680 w306 h215\"><div class=\"t m0 x1ed h38 y6563 ff5 fs17 fc0 sc0 ls21 ws20\">2025<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td class=\"c n x86b y6680 w46b h205\"><div class=\"t m0 x1ed h38 y6563 ff1 fs17 fc3 sc0 ls21 ws20\">2024<span class=\"_ _3eb\"> </span></div></td><td></td></tr><tr><td></td><td class=\"t m0 x86c h38 y6681 ff5 fs17 fc0 sc0 ls21 ws20\">Current tax<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x86d h38 y6681 ff5 fs17 fc0 sc0 ls21 ws20\">Deferred tax<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x86e h38 y6681 ff5 fs17 fc0 sc0 ls21 ws20\">Total<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x86f h39 y6681 ff1 fs17 fc3 sc0 ls21 ws0\">Current tax<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x870 h39 y6681 ff1 fs17 fc3 sc0 ls21 ws0\">Deferred tax<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x6cb h39 y6681 ff1 fs17 fc3 sc0 ls21 ws20\">Total<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"t m0 x235 h38 y6682 ff5 fs17 fc3 sc0 ls21 ws20\">Tax recognised in other comprehensive income<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x2f7 h38 y6682 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x2c9 h38 y6682 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x4be h38 y6682 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x2fa h2c y6682 ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x233 h2c y6682 ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x234 h2c y6682 ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"t m0 x235 h1a y6683 ff4 fs5 fc3 sc0 ls5 ws5\">Items that will not be reclassified </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y6684 w46c h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">to<span class=\"_ gs1a1\"> </span>income statement<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x871 y6684 w46d h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(11)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x872 y6684 w265 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(2)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x873 y6684 w256 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(13)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x874 y6684 w46e h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(16)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x875 y6684 w46f h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">113<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x876 y6684 w2c0 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">97<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6685 w470 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Own credit adjustment<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x877 y6685 w471 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(1)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x878 y6685 w472 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">20<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x879 y6685 w473 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">19<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x87a y6685 w474 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x80c y6685 w475 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">49<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x87b y6685 w476 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">50<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y6686 w477 h219\"><div class=\"t m0 x1ed h3b y65db ff1 fs5 fc3 sc0 ls5 ws0\">Equity instruments at fair value through<span class=\"_ _3eb\"> </span></div><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">other comprehensive income<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x87c y6686 w269 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(9)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x87d y6686 w478 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(26)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x87e y6686 w479 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(35)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x87f y6686 w2bf h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(17)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x880 y6686 w96 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">76<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x881 y6686 w1e6 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">59<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6687 w47a h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">Retirement benefit obligations<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x882 y6687 w298 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(1)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x883 y6687 w47b h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">4<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x884 y6687 w45d h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">3<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x885 y6687 w1cf h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x886 y6687 w1ee h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(12)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x887 y6687 w1ee h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(12)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x235 h3b y6688 ff1 fs5 fc3 sc0 ls5 ws0\">Items that may be reclassed subsequently </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y6689 w47c h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">to income statement<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x888 y6689 w47d h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(3)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x889 y6689 w478 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(62)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x88a y6689 w62 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(65)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x88b y6689 w47e h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(7)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x88c y6689 wc9 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(30)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x88d y6689 wb1 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(37)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y65f6 w47f h219\"><div class=\"t m0 x1ed h3b y65db ff1 fs5 fc3 sc0 ls5 ws0\">Debt instruments at fair value through<span class=\"_ _3eb\"> </span></div><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">other comprehensive income<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x88e y65f6 w47d h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(3)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x88f y65f6 w144 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(5)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x890 y65f6 w480 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(8)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x891 y65f6 w47e h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(7)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x892 y65f6 w481 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(44)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x893 y65f6 w482 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(51)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y65f7 w483 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Cash flow hedges<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x894 y65f7 w2bc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x895 y65f7 w484 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(57)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x896 y65f7 w484 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(57)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x885 y65f7 w1cf h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x897 y65f7 w485 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">14<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x898 y65f7 w9e h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">14<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x235 h8 y668a ff5 fs5 fc3 sc0 ls5 ws5\">Total tax credit/(charge) recognised </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y6567 w486 h201\"><div class=\"t m0 x1ed h3d y6548 ff5 fs5 fc3 sc0 ls5 ws5\">in<span class=\"_ gs1a6\"> </span>equity<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x899 y6567 w487 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(14)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x89a y6567 w2a7 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(64)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x89b y6567 w488 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(78)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x89c y6567 w489 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(23)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x89d y6567 w48a h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">83<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x89e y6567 w3e8 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">60<span class=\"_ _3eb\"> </span></div></td></tr></table></div><div class=\"t m0 h20 ff6 fs2 fc3 sc0 ls2 ws0 gs327\">Current tax<span class=\"ff4 ws1\">: The following are the movements <span class=\"_ _7\"></span>in current tax during the year:<span class=\"_ _3eb\"> </span></span></div><div class=\"gs328\"><table class=\"s w48b h233\" id=\"_cb7675aa-f87d-4aac-b723-98fbe4d3887d\"><tr><td></td><td class=\"t m0 x230 h38 y668b ff5 fs17 fc0 sc0 ls21 ws20\">2025<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x231 h39 y668b ff1 fs17 fc3 sc0 ls21 ws20\">2024<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"t m0 x235 h38 y668c ff5 fs17 fc3 sc0 ls21 ws20\">Current tax comprises:<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x233 h38 y668c ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x234 h2c y668c ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c n x1ee y655c wd6 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Current tax assets<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x89f y655c w48c h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">663<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7fb y655c w140 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">484<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y655d w108 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">Current tax liabilities<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8a0 y655d w5f h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(726)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8a1 y655d w48d h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(811)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6573 w48e h203\"><div class=\"t m0 x1ed h3d y655f ff5 fs5 fc3 sc0 ls5 ws5\">Net current tax opening balance<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8a2 y6573 w2bd h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(63)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8a3 y6573 w31d h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(327)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6574 w48f h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Movements in income statement<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8a4 y6574 w490 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(1,835)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8a5 y6574 w202 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(1,761)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6560 w491 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Movements in other comprehensive income<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8a6 y6560 wad h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(14)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8a7 y6560 w489 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(23)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6575 w492 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Taxes paid<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8a8 y6575 w71 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">1,804<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2a3 y6575 w493 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">2,045<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y658d w494 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Other movements<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8a9 y658d w495 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(27)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8aa y658d w32 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls0 ws0\">3<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6610 w496 h203\"><div class=\"t m0 x1ed h3d y655f ff5 fs5 fc3 sc0 ls5 ws5\">Net current tax balance as at 31 <span class=\"_ _7\"></span>December<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8ab y6610 w26c h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(135)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8ac y6610 w497 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(63)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6577 wd6 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Current tax assets<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x89f y6577 wa5 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">574<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8ad y6577 wd8 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">663<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6566 w108 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">Current tax liabilities<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8ae y6566 w498 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(709)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8af y6566 w499 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(726)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6567 w49a h203\"><div class=\"t m0 x1ed h3d y655f ff5 fs5 fc3 sc0 ls5 ws5\">Total<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8b0 y6567 w26c h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(135)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8b1 y6567 w49b h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(63)<span class=\"_ _3eb\"> </span></div></td></tr></table></div><div class=\"t m0 h20 ff7 fs2 fc3 sc0 ls2 ws1 gs32a\">Deferred tax: <span class=\"ff4\">The following are the <span class=\"_ _7\"></span>major deferred tax liabilities and assets recognised <span class=\"_ _7\"></span>by the Group and movements thereon </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs32b\">during the year:<span class=\"_ _3eb\"> </span></div><div class=\"gs32c\"><table class=\"s w13d h234\" id=\"_a72f8aee-a7ff-4d4f-880c-0fef7ecac264\"><tr><td></td><td class=\"t m0 x8b2 h38 y668d ff5 fs17 fc0 sc0 ls21 ws20\">At 1 January<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x8b3 h38 y668d ff5 fs17 fc0 sc0 ls21 ws20\">Exchange &amp; other </td><td class=\"t m0 x8b4 h38 y668d ff5 fs17 fc0 sc0 ls21 ws20\">(Charge)/ credit </td><td class=\"t m0 x8b5 h38 y668d ff5 fs17 fc0 sc0 ls21 ws20\">(Charge)/ credit </td><td class=\"c n x8b6 y668e w49c h215\"><div class=\"t m0 x1ed h38 y6563 ff5 fs17 fc0 sc0 ls21 ws20\">At 31 December<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td class=\"t m0 x8b7 h38 y668f ff5 fs17 fc0 sc0 ls21 ws20\">2025<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x8b8 h38 y668f ff5 fs17 fc0 sc0 ls21 ws20\">adjustments<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x8b9 h38 y668f ff5 fs17 fc0 sc0 ls21 ws20\">to profit<span class=\"_ _3eb\"> </span></td><td class=\"c x8bb y6690 w49d h215\" colspan=\"2\"><div class=\"t m0 x1ed h38 y6563 ff5 fs17 fc0 sc0 ls21 ws20\">to equity<span class=\"_ _3eb\"> </span></div><div class=\"t m0 x8ba h38 y6563 ff5 fs17 fc0 sc0 ls21 ws20\">2025<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td class=\"t m0 x8bc h38 y6691 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x404 h38 y6691 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x405 h38 y6691 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"c n x8bd y6692 w173 h215\"><div class=\"t m0 x1ed h38 y6563 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x1ec h38 y6691 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"t m0 x221 h8 y6693 ff5 fs5 fc3 sc0 ls5 ws5\">Deferred tax comprises:<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y6694 w49e h1ff\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">Accelerated tax depreciation<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8be y6694 w3c0 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(380)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8bf y6694 w49f h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(16)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8c0 y6694 w4a0 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">4<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8c1 y6694 w1d4 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8c2 y6694 w4a1 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(392)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y65ef w4a2 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">Impairment provisions on loans and<span class=\"_ gs1a1\"> </span>advances<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8c3 y65ef w4a3 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">190<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8c4 y65ef w4a4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(6)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8c5 y65ef w4a5 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(7)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8c6 y65ef w1cf h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8c7 y65ef w4a6 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">177<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y65f0 w4a7 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Tax losses carried forward<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8c8 y65f0 w1f1 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">74<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8c9 y65f0 w388 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">15<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8ca y65f0 w3cc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(34)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8cb y65f0 w1cf h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8cc y65f0 w1c3 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">55<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y6695 w4a8 h219\"><div class=\"t m0 x1ed h3b y65db ff1 fs5 fc3 sc0 ls5 ws0\">Equity Instruments at Fair value through other<span class=\"_ _3eb\"> </span></div><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">comprehensive income<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8cd y6695 w478 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(62)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x873 y6695 w256 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(13)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8ce y6695 w4a9 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(2)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8cf y6695 w464 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(26)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8d0 y6695 w14b h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(103)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y6560 w4aa h219\"><div class=\"t m0 x1ed h3b y65db ff1 fs5 fc3 sc0 ls5 ws0\">Debt Instruments at Fair value through other<span class=\"_ _3eb\"> </span></div><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">comprehensive income<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8d1 y6560 w4ab h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(30)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8d2 y6560 w1de h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">7<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8d3 y6560 w4ac h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8d4 y6560 w144 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(5)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8d5 y6560 w495 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(27)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6575 w483 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Cash flow hedges<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8d6 y6575 w269 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(9)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8d7 y6575 w4ad h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(4)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8d8 y6575 w1cf h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8d9 y6575 w484 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(57)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8da y6575 w1cd h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(70)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y658d w470 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Own credit adjustment<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8db y658d w47b h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">4<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8dc y658d w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8dd y658d w1cf h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8de y658d w472 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">20<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8df y658d w4ae h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">24<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6610 w47a h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">Retirement benefit obligations<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8e0 y6610 w4a5 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(7)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8e1 y6610 w4ac h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8e2 y6610 w4af h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">11<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8e3 y6610 w4a0 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">4<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8e4 y6610 w4b0 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">9<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6577 w4b1 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Share-based payments<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8e5 y6577 w4b2 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">54<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8e6 y6577 w3f4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8e7 y6577 w388 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">15<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8e8 y6577 w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8e9 y6577 w268 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">71<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6566 w4b3 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Other temporary differences<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8ea y6566 w423 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">13<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8eb y6566 w38b h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8ec y6566 w4b4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(19)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8ed y6566 w3f4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8ee y6566 w4b5 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(3)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6567 w4b6 h201\"><div class=\"t m0 x1ed h3d y6548 ff5 fs5 fc3 sc0 ls5 ws5\">Net deferred tax<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8ef y6567 w26c h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(153)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8f0 y6567 w95 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(13)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8f1 y6567 w95 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(31)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8f2 y6567 w464 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(62)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8f3 y6567 w4b7 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(259)<span class=\"_ _3eb\"> </span></div></td></tr></table></div><div class=\"gs32d\"><table class=\"s w4d0 h236\" id=\"_7fbdd26f-da98-47bf-a106-8320e93eed93\"><tr><td></td><td class=\"t m0 x8b2 h38 y669c ff5 fs17 fc0 sc0 ls21 ws20\">At 1 January<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x8b3 h38 y669c ff5 fs17 fc0 sc0 ls21 ws20\">Exchange &amp; other </td><td class=\"t m0 x8b4 h38 y669c ff5 fs17 fc0 sc0 ls21 ws20\">(Charge)/ credit </td><td class=\"t m0 x8b5 h38 y669c ff5 fs17 fc0 sc0 ls21 ws20\">(Charge)/ credit </td><td class=\"c n x8b6 y669d w49c h215\"><div class=\"t m0 x1ed h38 y6563 ff5 fs17 fc0 sc0 ls21 ws20\">At 31 December<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td class=\"t m0 x8b7 h38 y669e ff5 fs17 fc0 sc0 ls21 ws20\">2024<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x8b8 h38 y669e ff5 fs17 fc0 sc0 ls21 ws20\">adjustments<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x8b9 h38 y669e ff5 fs17 fc0 sc0 ls21 ws20\">to profit<span class=\"_ _3eb\"> </span></td><td class=\"c x8bb y669f w4d1 h215\" colspan=\"2\"><div class=\"t m0 x1ed h38 y6563 ff5 fs17 fc0 sc0 ls21 ws20\">to equity<span class=\"_ _3eb\"> </span></div><div class=\"t m0 x8ba h38 y6563 ff5 fs17 fc0 sc0 ls21 ws20\">2024<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td class=\"t m0 x8bc h38 y66a0 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x404 h38 y66a0 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x405 h38 y66a0 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"c n x8bd y66a1 w173 h215\"><div class=\"t m0 x1ed h38 y6563 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x1ec h38 y66a0 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"t m0 x221 h8 y66a2 ff5 fs5 fc3 sc0 ls5 ws5\">Deferred tax comprises:<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y66a3 w49e h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Accelerated tax depreciation<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x93a y66a3 w442 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(424)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x93b y66a3 w57 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">7<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x93c y66a3 w38f h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">40<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x85c y66a3 w38c h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(3)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x93d y66a3 w2cc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(380)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y66a4 w4d2 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Impairment provisions on loans and advances<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x93e y66a4 w1c7 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">286<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x93f y66a4 w4d3 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(2)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x940 y66a4 w4d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(94)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x941 y66a4 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x942 y66a4 w1e9 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">190<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y66a5 w4a7 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Tax losses carried forward<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x943 y66a5 w4d5 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">97<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x944 y66a5 w277 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(24)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x945 y66a5 w41a h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x946 y66a5 w1cf h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x947 y66a5 w1f7 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">74<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y66a6 w4a8 h221\"><div class=\"t m0 x1ed h3b y65dd ff1 fs5 fc3 sc0 ls5 ws0\">Equity Instruments at Fair value through other<span class=\"_ _3eb\"> </span></div><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">comprehensive income<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x948 y66a6 w4d6 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(144)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x949 y66a6 wa8 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">6<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x94a y66a6 w1cf h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x94b y66a6 w2c0 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">76<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x790 y66a6 w4d7 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(62)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y66a7 w4aa h221\"><div class=\"t m0 x1ed h3b y65dd ff1 fs5 fc3 sc0 ls5 ws0\">Debt Instruments at Fair value through other<span class=\"_ _3eb\"> </span></div><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">comprehensive income<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x94c y66a7 w3ab h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">27<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x94d y66a7 w32 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls0 ws0\">3<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x94e y66a7 w4d8 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(16)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8d9 y66a7 w4d9 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(44)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x94f y66a7 wc9 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(30)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y66a8 w483 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Cash flow hedges<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x950 y66a8 w3ac h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(25)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x949 y66a8 w4da h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x951 y66a8 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x952 y66a8 w9e h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">14<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x953 y66a8 w4c8 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(9)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y66a9 w470 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Own credit adjustment<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x954 y66a9 w2bf h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(71)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x955 y66a9 w73 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">26<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x956 y66a9 w1cf h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x80c y66a9 w475 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">49<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x957 y66a9 w3c h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls0 ws0\">4<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y66aa w47a h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Retirement benefit obligations<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x958 y66aa w3c h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls0 ws0\">4<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x959 y66aa w4db h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(5)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x95a y66aa w44 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">6<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x95b y66aa w1ee h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(12)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x95c y66aa w47e h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(7)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y66ab w4b1 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Share-based payments<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x95d y66ab w1bf h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">43<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x95e y66ab wac h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(1)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x95f y66ab w11d h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">12<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x960 y66ab w1cf h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x961 y66ab w4dc h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">54<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y66ac w4b3 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Other temporary differences<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x962 y66ac w4dd h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">139<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x963 y66ac wac h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(1)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x964 y66ac w2d3 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(160)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x965 y66ac w1ea h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">35<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x966 y66ac wc2 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">13<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6567 w4b6 h203\"><div class=\"t m0 x1ed h1a y65de ff5 fs5 fc3 sc0 ls5 ws5\">Net deferred tax<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x967 y6567 w4de h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(68)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x968 y6567 w310 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">11<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x969 y6567 w4df h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(211)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x96a y6567 w4e0 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">115<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x96b y6567 w4e1 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(153)<span class=\"_ _3eb\"> </span></div></td></tr></table></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs32e\">Deferred tax comprises assets and liabilities <span class=\"_ _7\"></span>as follows:<span class=\"_ _3eb\"> </span></div><div class=\"gs32f\"><table class=\"s w4b8 h235\" id=\"_6af93e1e-265e-41ec-af5d-e5a01e4a4236\"><tr><td></td><td></td><td class=\"c n x8f4 y6697 w4b9 h204\"><div class=\"t m0 x1ed h2c y6696 ff5 fs17 fc0 sc0 ls21 ws20\">31.12.25<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td class=\"c n x8f5 y6697 w4ba h204\"><div class=\"t m0 x1ed h2c y6696 ff4 fs17 fc3 sc0 ls21 ws20\">31.12.24<span class=\"_ _3eb\"> </span></div></td><td></td></tr><tr><td></td><td class=\"t m0 x8f6 h38 y6698 ff5 fs17 fc0 sc0 ls21 ws20\">Total<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x8f7 h38 y6698 ff5 fs17 fc0 sc0 ls21 ws20\">Asset<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x404 h38 y6698 ff5 fs17 fc0 sc0 ls21 ws20\">Liability<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x544 h39 y6698 ff1 fs17 fc3 sc0 ls21 ws20\">Total<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x8f8 h39 y6698 ff1 fs17 fc3 sc0 ls21 ws20\">Asset<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1ec h2c y6698 ff4 fs17 fc3 sc0 ls21 ws20\">Liability<span class=\"_ _3eb\"> </span></td></tr><tr><td></td><td class=\"t m0 x8f9 h38 y6699 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x8bc h38 y6699 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x404 h38 y6699 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x405 h2c y6699 ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x8fa h2c y6699 ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1ec h2c y6699 ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"t m0 x221 h1a y669a ff4 fs5 fc3 sc0 ls5 ws5\">Deferred tax comprises:<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y6694 w49e h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">Accelerated tax depreciation<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8fb y6694 w4a1 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(392)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8fc y6694 w4bb h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">44<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8fd y6694 w184 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(436)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8fe y6694 w2cc h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(380)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8ff y6694 w2b4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">19<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x900 y6694 w98 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(399)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x221 h1a y669b ff4 fs5 fc3 sc0 ls5 ws5\">Impairment provisions on loans </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y65ef w4bc h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">and<span class=\"_ gs1a1\"> </span>advances<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x901 y65ef w4a6 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">177<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x902 y65ef w377 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">207<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x903 y65ef w4ab h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(30)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x904 y65ef w1e9 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">190<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x905 y65ef w4bd h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">139<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x906 y65ef w4be h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">51<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y65f0 w4a7 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Tax losses carried forward<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x907 y65f0 w1bf h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">55<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x908 y65f0 w4bf h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">14<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x909 y65f0 w4c0 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">41<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x90a y65f0 w4c1 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">74<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x90b y65f0 w4be h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">51<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x90c y65f0 wa2 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">23<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y6695 w4c2 h219\"><div class=\"t m0 x1ed h3b y65f2 ff1 fs5 fc3 sc0 ls5 ws0\">Equity Instruments at Fair value through<span class=\"_ _3eb\"> </span></div><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">other comprehensive income<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x90d y6695 w27e h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(103)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x90e y6695 w47d h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(3)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x90f y6695 w4c3 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(100)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x910 y6695 w3b5 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(62)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x911 y6695 w1ee h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(12)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x912 y6695 wf9 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(50)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y6560 w4c4 h219\"><div class=\"t m0 x1ed h3b y65f2 ff1 fs5 fc3 sc0 ls5 ws0\">Debt Instruments at Fair value through<span class=\"_ _3eb\"> </span></div><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">other comprehensive income<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x913 y6560 w4c5 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(27)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x914 y6560 w4a5 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(7)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x915 y6560 w4c6 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(20)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x916 y6560 wc9 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(30)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x917 y6560 w4c7 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(14)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x918 y6560 w46e h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(16)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6575 w483 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Cash flow hedges<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x919 y6575 w2a7 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(70)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x91a y6575 w46d h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(11)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x91b y6575 w62 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(59)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x91c y6575 w4c8 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(9)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x91d y6575 w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x224 y6575 w4c8 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(9)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6562 w470 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Own credit adjustment<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x91e y6562 w4c9 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">24<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x91f y6562 w2f1 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x920 y6562 w1e6 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">23<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x921 y6562 w3c h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls0 ws0\">4<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x922 y6562 w3c h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls0 ws0\">4<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x923 y6562 w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6610 w47a h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">Retirement benefit obligations<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x924 y6610 w4b0 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">9<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x925 y6610 w4ca h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">33<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x926 y6610 w4cb h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(24)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x927 y6610 w47e h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(7)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x928 y6610 w2b4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">16<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x929 y6610 w489 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(23)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6577 w4b1 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Share-based payments<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x92a y6577 w268 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">71<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x92b y6577 w74 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">21<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x92c y6577 w38e h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">50<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x92d y6577 w4cc h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">54<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x92e y6577 w7c h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">12<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x92f y6577 w4cd h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">42<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6566 w4b3 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Other temporary differences<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x888 y6566 w47d h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(3)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x889 y6566 w11e h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">194<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x930 y6566 w2c5 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(197)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x931 y6566 wcf h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">13<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x932 y6566 w4ce h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">199<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x933 y6566 w2ba h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(186)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td class=\"c n x934 y6567 w4b7 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(259)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x935 y6567 we7 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">493<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x936 y6567 w231 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(752)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x937 y6567 w2ce h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(153)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x938 y6567 we8 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">414<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x939 y6567 w4cf h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(567)<span class=\"_ _3eb\"> </span></div></td></tr></table></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs331\">The recoverability of the Group\u2019s deferred <span class=\"_ _7\"></span>tax assets is based on management\u2019s judgement <span class=\"_ _7\"></span>of the availability of future taxable </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs332\">profits against which the deferred tax <span class=\"_ _7\"></span>assets will be utilised. The Group\u2019s total <span class=\"_ _7\"></span>deferred tax assets include $55 million <span class=\"_ _7\"></span>relating </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs333\">to<span class=\"_ gs36\"> </span>tax losses carried forward, of which <span class=\"_ _7\"></span>$41 million arises in legal entities with <span class=\"_ _7\"></span>offsetting deferred tax liabilities. The remaining </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs334\">deferred tax assets on losses of <span class=\"_ _7\"></span>$14 million are forecast to be recovered <span class=\"_ _7\"></span>before expiry and within five years.<span class=\"_ _3eb\"> </span></div><div class=\"t m0 hc ff6 fs8 fc2 sc0 ls8 ws0 gs335\">Unrecognised deferred tax<span class=\"_ _3eb\"> </span></div><div class=\"gs336\"><table class=\"s w4e2 h237\" id=\"_44a51fdc-5e5b-40c3-9e7f-544891f0b5e8\"><tr><td></td><td class=\"t m0 x96c h38 y66ad ff2 fs17 fc0 sc0 ls21 ws20\">Net<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x96d h38 y66ad ff5 fs17 fc0 sc0 ls21 ws20\">Gross<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x96e h39 y66ad ff1 fs17 fc3 sc0 ls21 ws20\">Net<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x96f h39 y66ad ff1 fs17 fc3 sc0 ls21 ws20\">Gross<span class=\"_ _3eb\"> </span></td></tr><tr><td></td><td class=\"t m0 x970 h38 y66ae ff5 fs17 fc0 sc0 ls21 ws20\">2025<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x6be h38 y66ae ff5 fs17 fc0 sc0 ls21 ws20\">2025<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x230 h39 y66ae ff1 fs17 fc3 sc0 ls21 ws20\">2024<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x231 h39 y66ae ff1 fs17 fc3 sc0 ls21 ws20\">2024<span class=\"_ _3eb\"> </span></td></tr><tr><td></td><td class=\"t m0 x4be h38 y66af ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x2fa h38 y66af ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x233 h2c y66af ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x234 h2c y66af ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"t m0 x235 h8 y66b0 ff5 fs5 fc3 sc0 ls5 ws5\">No account has been taken of the <span class=\"_ _7\"></span>following potential deferred </td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m0 x235 h8 y66b1 ff5 fs5 fc3 sc0 ls5 ws5\">tax<span class=\"_ gs1a6\"> </span>assets/(liabilities):<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m0 x247 h1a y66b2 ff4 fs5 fc3 sc0 ls5 ws5\">Withholding tax on unremitted earnings from overseas </td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x236 y6610 w4e3 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">subsidiaries<span class=\"_ gs1a1\"> </span>and associates<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x971 y6610 w442 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(610)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x972 y6610 w4e4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(6,527)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x973 y6610 w27d h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(611)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x974 y6610 w4e5 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(6,827)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x236 y6577 w4e6 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Tax losses<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x975 y6577 w203 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">2,562<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x976 y6577 w4e5 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">10,644<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x977 y6577 w4e7 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">2,494<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x978 y6577 w220 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">10,414<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x236 y6566 w4e8 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Held over gains on incorporation of overseas branches<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x979 y6566 w4e9 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(387)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x97a y6566 w4ea h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(1,468)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x97b y6566 w219 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(360)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x97c y6566 w4eb h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(1,366)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x236 y6567 w4b3 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Other temporary differences<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x97d y6567 w4ec h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">327<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x97e y6567 w4ed h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">1,273<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x97f y6567 w4ee h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">356<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x980 y6567 w4ef h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">1,363</div></td></tr></table></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfIncomeTaxExplanatory",
    "language": "en",
    "entity": "scheme:U4LOSYZ7YG4W3S5F2G91",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-730": {
   "value": "Accounting policy<span class=\"_ _3eb\"> </span>Income tax payable on profits is <span class=\"_ _7\"></span>based on the applicable tax law in <span class=\"_ _7\"></span>each jurisdiction and is recognised as <span class=\"_ _7\"></span>an expense in<span class=\"_ gs36\"> </span>the<span class=\"_ gs36\"> </span>period in which profits arise.<span class=\"_ _3eb\"> </span>Deferred tax is provided on temporary <span class=\"_ _7\"></span>differences arising between the tax bases of <span class=\"_ _7\"></span>assets and liabilities and their carrying amounts in the consolidated financial statements. <span class=\"_ _7\"></span>Deferred tax is determined using tax rates <span class=\"_ _7\"></span>(and laws) that have been enacted or substantively enacted as at the balance sheet date, and that are expected to apply when the related deferred tax asset is realised or the <span class=\"_ _7\"></span>deferred income tax liability is settled.<span class=\"_ _3eb\"> </span>Deferred tax assets are recognised where it is probable that future taxable profit will be available against which the temporary differences can be utilised. Where <span class=\"_ _7\"></span>permitted, deferred tax assets and liabilities are <span class=\"_ _7\"></span>offset on an entity basis and<span class=\"_ gs36\"> </span>not by component of deferred taxation.<span class=\"_ _3eb\"> </span>Current and deferred tax relating to items which are charged or credited directly to equity, is credited or charged directly to<span class=\"_ gs36\"> </span>equity and is subsequently recognised in <span class=\"_ _7\"></span>the income statement together with the current <span class=\"_ _7\"></span>or deferred gain or loss.<span class=\"_ _3eb\"> </span>Other accounting <span class=\"_ _7\"></span>estimates and <span class=\"_ _7\"></span>judgements <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">Determining the Group\u2019s tax charge for the year involves estimation and judgement, <span class=\"_ _7\"></span>which includes an interpretation </span>of<span class=\"_ gs36\"> </span>local tax laws and an assessment <span class=\"_ _7\"></span>of whether the tax authorities will accept <span class=\"_ _7\"></span>the position taken. These judgements take<span class=\"_ gs36\"> </span>account of external advice where appropriate, <span class=\"_ _7\"></span>and the Group\u2019s view on settling with <span class=\"_ _7\"></span>the relevant tax authorities <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">The Group provides for current tax liabilities at the best estimate of <span class=\"_ _7\"></span>the amount that is expected to <span class=\"_ _7\"></span>be paid to the tax </span>authorities where an outflow is probable. <span class=\"_ _7\"></span>In making its estimates the Group assumes <span class=\"_ _7\"></span>that the tax authorities will examine all the amounts reported to them <span class=\"_ _7\"></span>and have full knowledge of all relevant <span class=\"_ _7\"></span>information <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">The recoverability of the Group\u2019s deferred tax assets is based on management\u2019s <span class=\"_ _7\"></span>judgement of the availability of future </span>taxable profits against which the deferred <span class=\"_ _7\"></span>tax assets will be utilised. In preparing <span class=\"_ _7\"></span>management forecasts the effect of<span class=\"_ gs36\"> </span>applicable laws and regulations relevant to <span class=\"_ _7\"></span>the utilisation of future taxable profits have <span class=\"_ _7\"></span>been considered.<span class=\"_ _3eb\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForDeferredIncomeTaxExplanatory",
    "language": "en",
    "entity": "scheme:U4LOSYZ7YG4W3S5F2G91",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-708": {
   "value": "Accounting policy<span class=\"_ _3eb\"> </span>Income tax payable on profits is <span class=\"_ _7\"></span>based on the applicable tax law in <span class=\"_ _7\"></span>each jurisdiction and is recognised as <span class=\"_ _7\"></span>an expense in<span class=\"_ gs36\"> </span>the<span class=\"_ gs36\"> </span>period in which profits arise.<span class=\"_ _3eb\"> </span>Deferred tax is provided on temporary <span class=\"_ _7\"></span>differences arising between the tax bases of <span class=\"_ _7\"></span>assets and liabilities and their carrying amounts in the consolidated financial statements. <span class=\"_ _7\"></span>Deferred tax is determined using tax rates <span class=\"_ _7\"></span>(and laws) that have been enacted or substantively enacted as at the balance sheet date, and that are expected to apply when the related deferred tax asset is realised or the <span class=\"_ _7\"></span>deferred income tax liability is settled.<span class=\"_ _3eb\"> </span>Deferred tax assets are recognised where it is probable that future taxable profit will be available against which the temporary differences can be utilised. Where <span class=\"_ _7\"></span>permitted, deferred tax assets and liabilities are <span class=\"_ _7\"></span>offset on an entity basis and<span class=\"_ gs36\"> </span>not by component of deferred taxation.<span class=\"_ _3eb\"> </span>Current and deferred tax relating to items which are charged or credited directly to equity, is credited or charged directly to<span class=\"_ gs36\"> </span>equity and is subsequently recognised in <span class=\"_ _7\"></span>the income statement together with the current <span class=\"_ _7\"></span>or deferred gain or loss.<span class=\"_ _3eb\"> </span>Other accounting <span class=\"_ _7\"></span>estimates and <span class=\"_ _7\"></span>judgements <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">Determining the Group\u2019s tax charge for the year involves estimation and judgement, <span class=\"_ _7\"></span>which includes an interpretation </span>of<span class=\"_ gs36\"> </span>local tax laws and an assessment <span class=\"_ _7\"></span>of whether the tax authorities will accept <span class=\"_ _7\"></span>the position taken. These judgements take<span class=\"_ gs36\"> </span>account of external advice where appropriate, <span class=\"_ _7\"></span>and the Group\u2019s view on settling with <span class=\"_ _7\"></span>the relevant tax authorities <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">The Group provides for current tax liabilities at the best estimate of <span class=\"_ _7\"></span>the amount that is expected to <span class=\"_ _7\"></span>be paid to the tax </span>authorities where an outflow is probable. <span class=\"_ _7\"></span>In making its estimates the Group assumes <span class=\"_ _7\"></span>that the tax authorities will examine all the amounts reported to them <span class=\"_ _7\"></span>and have full knowledge of all relevant <span class=\"_ _7\"></span>information <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">The recoverability of the Group\u2019s deferred tax assets is based on management\u2019s <span class=\"_ _7\"></span>judgement of the availability of future </span>taxable profits against which the deferred <span class=\"_ _7\"></span>tax assets will be utilised. In preparing <span class=\"_ _7\"></span>management forecasts the effect of<span class=\"_ gs36\"> </span>applicable laws and regulations relevant to <span class=\"_ _7\"></span>the utilisation of future taxable profits have <span class=\"_ _7\"></span>been considered.<span class=\"_ _3eb\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForIncomeTaxExplanatory",
    "language": "en",
    "entity": "scheme:U4LOSYZ7YG4W3S5F2G91",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-661": {
   "value": "The Group falls within the Pillar <span class=\"_ _7\"></span>Two global minimum tax rules which apply <span class=\"_ _7\"></span>in the UK from 1 January <span class=\"_ _7\"></span>2024. The IAS 12 exception to recognise and disclose information about <span class=\"_ _7\"></span>deferred tax assets and liabilities related to <span class=\"_ _7\"></span>Pillar Two income taxes has been applied. The current tax charge for <span class=\"_ _7\"></span>the period ended 31 December 2025 includes <span class=\"_ _7\"></span>$14m in respect of current period <span class=\"_ _7\"></span>Pillar Two income taxes (31 December 2024: $17m) <span class=\"_ _7\"></span>and $10m in respect of the prior <span class=\"_ _7\"></span>period (31 December 2024: $nil).<span class=\"_ _3eb\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfKnownOrReasonablyEstimableInformationAboutExposureToPillarTwoIncomeTaxesExplanatory",
    "language": "en",
    "entity": "scheme:U4LOSYZ7YG4W3S5F2G91",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-683": {
   "value": "Current tax<span class=\"ff4 ws1\">: The following are the movements <span class=\"_ _7\"></span>in current tax during the year:<span class=\"_ _3eb\"> </span></span><table class=\"s w48b h233\" id=\"_cb7675aa-f87d-4aac-b723-98fbe4d3887d\"><tr><td></td><td class=\"t m0 x230 h38 y668b ff5 fs17 fc0 sc0 ls21 ws20\">2025<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x231 h39 y668b ff1 fs17 fc3 sc0 ls21 ws20\">2024<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"t m0 x235 h38 y668c ff5 fs17 fc3 sc0 ls21 ws20\">Current tax comprises:<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x233 h38 y668c ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x234 h2c y668c ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c n x1ee y655c wd6 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Current tax assets<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x89f y655c w48c h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">663<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7fb y655c w140 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">484<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y655d w108 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">Current tax liabilities<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8a0 y655d w5f h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(726)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8a1 y655d w48d h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(811)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6573 w48e h203\"><div class=\"t m0 x1ed h3d y655f ff5 fs5 fc3 sc0 ls5 ws5\">Net current tax opening balance<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8a2 y6573 w2bd h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(63)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8a3 y6573 w31d h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(327)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6574 w48f h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Movements in income statement<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8a4 y6574 w490 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(1,835)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8a5 y6574 w202 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(1,761)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6560 w491 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Movements in other comprehensive income<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8a6 y6560 wad h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(14)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8a7 y6560 w489 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(23)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6575 w492 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Taxes paid<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8a8 y6575 w71 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">1,804<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2a3 y6575 w493 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">2,045<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y658d w494 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Other movements<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8a9 y658d w495 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(27)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8aa y658d w32 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls0 ws0\">3<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6610 w496 h203\"><div class=\"t m0 x1ed h3d y655f ff5 fs5 fc3 sc0 ls5 ws5\">Net current tax balance as at 31 <span class=\"_ _7\"></span>December<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8ab y6610 w26c h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(135)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8ac y6610 w497 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(63)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6577 wd6 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Current tax assets<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x89f y6577 wa5 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">574<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8ad y6577 wd8 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">663<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6566 w108 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">Current tax liabilities<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8ae y6566 w498 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(709)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8af y6566 w499 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(726)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6567 w49a h203\"><div class=\"t m0 x1ed h3d y655f ff5 fs5 fc3 sc0 ls5 ws5\">Total<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8b0 y6567 w26c h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(135)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8b1 y6567 w49b h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(63)<span class=\"_ _3eb\"> </span></div></td></tr></table>Deferred tax: <span class=\"ff4\">The following are the <span class=\"_ _7\"></span>major deferred tax liabilities and assets recognised <span class=\"_ _7\"></span>by the Group and movements thereon </span>during the year:<span class=\"_ _3eb\"> </span><table class=\"s w13d h234\" id=\"_a72f8aee-a7ff-4d4f-880c-0fef7ecac264\"><tr><td></td><td class=\"t m0 x8b2 h38 y668d ff5 fs17 fc0 sc0 ls21 ws20\">At 1 January<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x8b3 h38 y668d ff5 fs17 fc0 sc0 ls21 ws20\">Exchange &amp; other </td><td class=\"t m0 x8b4 h38 y668d ff5 fs17 fc0 sc0 ls21 ws20\">(Charge)/ credit </td><td class=\"t m0 x8b5 h38 y668d ff5 fs17 fc0 sc0 ls21 ws20\">(Charge)/ credit </td><td class=\"c n x8b6 y668e w49c h215\"><div class=\"t m0 x1ed h38 y6563 ff5 fs17 fc0 sc0 ls21 ws20\">At 31 December<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td class=\"t m0 x8b7 h38 y668f ff5 fs17 fc0 sc0 ls21 ws20\">2025<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x8b8 h38 y668f ff5 fs17 fc0 sc0 ls21 ws20\">adjustments<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x8b9 h38 y668f ff5 fs17 fc0 sc0 ls21 ws20\">to profit<span class=\"_ _3eb\"> </span></td><td class=\"c x8bb y6690 w49d h215\" colspan=\"2\"><div class=\"t m0 x1ed h38 y6563 ff5 fs17 fc0 sc0 ls21 ws20\">to equity<span class=\"_ _3eb\"> </span></div><div class=\"t m0 x8ba h38 y6563 ff5 fs17 fc0 sc0 ls21 ws20\">2025<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td class=\"t m0 x8bc h38 y6691 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x404 h38 y6691 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x405 h38 y6691 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"c n x8bd y6692 w173 h215\"><div class=\"t m0 x1ed h38 y6563 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x1ec h38 y6691 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"t m0 x221 h8 y6693 ff5 fs5 fc3 sc0 ls5 ws5\">Deferred tax comprises:<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y6694 w49e h1ff\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">Accelerated tax depreciation<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8be y6694 w3c0 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(380)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8bf y6694 w49f h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(16)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8c0 y6694 w4a0 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">4<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8c1 y6694 w1d4 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8c2 y6694 w4a1 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(392)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y65ef w4a2 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">Impairment provisions on loans and<span class=\"_ gs1a1\"> </span>advances<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8c3 y65ef w4a3 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">190<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8c4 y65ef w4a4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(6)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8c5 y65ef w4a5 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(7)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8c6 y65ef w1cf h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8c7 y65ef w4a6 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">177<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y65f0 w4a7 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Tax losses carried forward<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8c8 y65f0 w1f1 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">74<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8c9 y65f0 w388 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">15<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8ca y65f0 w3cc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(34)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8cb y65f0 w1cf h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8cc y65f0 w1c3 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">55<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y6695 w4a8 h219\"><div class=\"t m0 x1ed h3b y65db ff1 fs5 fc3 sc0 ls5 ws0\">Equity Instruments at Fair value through other<span class=\"_ _3eb\"> </span></div><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">comprehensive income<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8cd y6695 w478 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(62)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x873 y6695 w256 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(13)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8ce y6695 w4a9 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(2)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8cf y6695 w464 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(26)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8d0 y6695 w14b h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(103)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y6560 w4aa h219\"><div class=\"t m0 x1ed h3b y65db ff1 fs5 fc3 sc0 ls5 ws0\">Debt Instruments at Fair value through other<span class=\"_ _3eb\"> </span></div><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">comprehensive income<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8d1 y6560 w4ab h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(30)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8d2 y6560 w1de h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">7<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8d3 y6560 w4ac h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8d4 y6560 w144 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(5)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8d5 y6560 w495 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(27)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6575 w483 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Cash flow hedges<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8d6 y6575 w269 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(9)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8d7 y6575 w4ad h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(4)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8d8 y6575 w1cf h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8d9 y6575 w484 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(57)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8da y6575 w1cd h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(70)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y658d w470 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Own credit adjustment<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8db y658d w47b h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">4<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8dc y658d w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8dd y658d w1cf h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8de y658d w472 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">20<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8df y658d w4ae h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">24<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6610 w47a h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">Retirement benefit obligations<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8e0 y6610 w4a5 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(7)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8e1 y6610 w4ac h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8e2 y6610 w4af h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">11<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8e3 y6610 w4a0 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">4<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8e4 y6610 w4b0 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">9<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6577 w4b1 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Share-based payments<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8e5 y6577 w4b2 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">54<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8e6 y6577 w3f4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8e7 y6577 w388 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">15<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8e8 y6577 w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8e9 y6577 w268 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">71<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6566 w4b3 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Other temporary differences<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8ea y6566 w423 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">13<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8eb y6566 w38b h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8ec y6566 w4b4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(19)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8ed y6566 w3f4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8ee y6566 w4b5 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(3)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6567 w4b6 h201\"><div class=\"t m0 x1ed h3d y6548 ff5 fs5 fc3 sc0 ls5 ws5\">Net deferred tax<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8ef y6567 w26c h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(153)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8f0 y6567 w95 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(13)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8f1 y6567 w95 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(31)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8f2 y6567 w464 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(62)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8f3 y6567 w4b7 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(259)<span class=\"_ _3eb\"> </span></div></td></tr></table><table class=\"s w4d0 h236\" id=\"_7fbdd26f-da98-47bf-a106-8320e93eed93\"><tr><td></td><td class=\"t m0 x8b2 h38 y669c ff5 fs17 fc0 sc0 ls21 ws20\">At 1 January<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x8b3 h38 y669c ff5 fs17 fc0 sc0 ls21 ws20\">Exchange &amp; other </td><td class=\"t m0 x8b4 h38 y669c ff5 fs17 fc0 sc0 ls21 ws20\">(Charge)/ credit </td><td class=\"t m0 x8b5 h38 y669c ff5 fs17 fc0 sc0 ls21 ws20\">(Charge)/ credit </td><td class=\"c n x8b6 y669d w49c h215\"><div class=\"t m0 x1ed h38 y6563 ff5 fs17 fc0 sc0 ls21 ws20\">At 31 December<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td class=\"t m0 x8b7 h38 y669e ff5 fs17 fc0 sc0 ls21 ws20\">2024<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x8b8 h38 y669e ff5 fs17 fc0 sc0 ls21 ws20\">adjustments<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x8b9 h38 y669e ff5 fs17 fc0 sc0 ls21 ws20\">to profit<span class=\"_ _3eb\"> </span></td><td class=\"c x8bb y669f w4d1 h215\" colspan=\"2\"><div class=\"t m0 x1ed h38 y6563 ff5 fs17 fc0 sc0 ls21 ws20\">to equity<span class=\"_ _3eb\"> </span></div><div class=\"t m0 x8ba h38 y6563 ff5 fs17 fc0 sc0 ls21 ws20\">2024<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td class=\"t m0 x8bc h38 y66a0 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x404 h38 y66a0 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x405 h38 y66a0 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"c n x8bd y66a1 w173 h215\"><div class=\"t m0 x1ed h38 y6563 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x1ec h38 y66a0 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"t m0 x221 h8 y66a2 ff5 fs5 fc3 sc0 ls5 ws5\">Deferred tax comprises:<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y66a3 w49e h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Accelerated tax depreciation<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x93a y66a3 w442 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(424)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x93b y66a3 w57 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">7<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x93c y66a3 w38f h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">40<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x85c y66a3 w38c h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(3)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x93d y66a3 w2cc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(380)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y66a4 w4d2 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Impairment provisions on loans and advances<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x93e y66a4 w1c7 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">286<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x93f y66a4 w4d3 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(2)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x940 y66a4 w4d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(94)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x941 y66a4 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x942 y66a4 w1e9 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">190<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y66a5 w4a7 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Tax losses carried forward<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x943 y66a5 w4d5 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">97<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x944 y66a5 w277 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(24)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x945 y66a5 w41a h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x946 y66a5 w1cf h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x947 y66a5 w1f7 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">74<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y66a6 w4a8 h221\"><div class=\"t m0 x1ed h3b y65dd ff1 fs5 fc3 sc0 ls5 ws0\">Equity Instruments at Fair value through other<span class=\"_ _3eb\"> </span></div><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">comprehensive income<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x948 y66a6 w4d6 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(144)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x949 y66a6 wa8 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">6<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x94a y66a6 w1cf h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x94b y66a6 w2c0 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">76<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x790 y66a6 w4d7 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(62)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y66a7 w4aa h221\"><div class=\"t m0 x1ed h3b y65dd ff1 fs5 fc3 sc0 ls5 ws0\">Debt Instruments at Fair value through other<span class=\"_ _3eb\"> </span></div><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">comprehensive income<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x94c y66a7 w3ab h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">27<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x94d y66a7 w32 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls0 ws0\">3<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x94e y66a7 w4d8 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(16)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8d9 y66a7 w4d9 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(44)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x94f y66a7 wc9 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(30)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y66a8 w483 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Cash flow hedges<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x950 y66a8 w3ac h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(25)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x949 y66a8 w4da h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x951 y66a8 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x952 y66a8 w9e h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">14<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x953 y66a8 w4c8 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(9)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y66a9 w470 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Own credit adjustment<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x954 y66a9 w2bf h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(71)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x955 y66a9 w73 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">26<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x956 y66a9 w1cf h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x80c y66a9 w475 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">49<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x957 y66a9 w3c h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls0 ws0\">4<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y66aa w47a h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Retirement benefit obligations<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x958 y66aa w3c h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls0 ws0\">4<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x959 y66aa w4db h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(5)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x95a y66aa w44 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">6<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x95b y66aa w1ee h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(12)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x95c y66aa w47e h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(7)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y66ab w4b1 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Share-based payments<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x95d y66ab w1bf h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">43<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x95e y66ab wac h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(1)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x95f y66ab w11d h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">12<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x960 y66ab w1cf h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x961 y66ab w4dc h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">54<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y66ac w4b3 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Other temporary differences<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x962 y66ac w4dd h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">139<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x963 y66ac wac h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(1)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x964 y66ac w2d3 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(160)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x965 y66ac w1ea h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">35<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x966 y66ac wc2 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">13<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6567 w4b6 h203\"><div class=\"t m0 x1ed h1a y65de ff5 fs5 fc3 sc0 ls5 ws5\">Net deferred tax<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x967 y6567 w4de h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(68)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x968 y6567 w310 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">11<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x969 y6567 w4df h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(211)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x96a y6567 w4e0 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">115<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x96b y6567 w4e1 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(153)<span class=\"_ _3eb\"> </span></div></td></tr></table>Deferred tax comprises assets and liabilities <span class=\"_ _7\"></span>as follows:<span class=\"_ _3eb\"> </span><table class=\"s w4b8 h235\" id=\"_6af93e1e-265e-41ec-af5d-e5a01e4a4236\"><tr><td></td><td></td><td class=\"c n x8f4 y6697 w4b9 h204\"><div class=\"t m0 x1ed h2c y6696 ff5 fs17 fc0 sc0 ls21 ws20\">31.12.25<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td class=\"c n x8f5 y6697 w4ba h204\"><div class=\"t m0 x1ed h2c y6696 ff4 fs17 fc3 sc0 ls21 ws20\">31.12.24<span class=\"_ _3eb\"> </span></div></td><td></td></tr><tr><td></td><td class=\"t m0 x8f6 h38 y6698 ff5 fs17 fc0 sc0 ls21 ws20\">Total<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x8f7 h38 y6698 ff5 fs17 fc0 sc0 ls21 ws20\">Asset<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x404 h38 y6698 ff5 fs17 fc0 sc0 ls21 ws20\">Liability<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x544 h39 y6698 ff1 fs17 fc3 sc0 ls21 ws20\">Total<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x8f8 h39 y6698 ff1 fs17 fc3 sc0 ls21 ws20\">Asset<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1ec h2c y6698 ff4 fs17 fc3 sc0 ls21 ws20\">Liability<span class=\"_ _3eb\"> </span></td></tr><tr><td></td><td class=\"t m0 x8f9 h38 y6699 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x8bc h38 y6699 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x404 h38 y6699 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x405 h2c y6699 ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x8fa h2c y6699 ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1ec h2c y6699 ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"t m0 x221 h1a y669a ff4 fs5 fc3 sc0 ls5 ws5\">Deferred tax comprises:<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y6694 w49e h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">Accelerated tax depreciation<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8fb y6694 w4a1 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(392)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8fc y6694 w4bb h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">44<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8fd y6694 w184 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(436)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8fe y6694 w2cc h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(380)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8ff y6694 w2b4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">19<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x900 y6694 w98 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(399)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x221 h1a y669b ff4 fs5 fc3 sc0 ls5 ws5\">Impairment provisions on loans </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y65ef w4bc h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">and<span class=\"_ gs1a1\"> </span>advances<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x901 y65ef w4a6 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">177<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x902 y65ef w377 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">207<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x903 y65ef w4ab h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(30)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x904 y65ef w1e9 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">190<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x905 y65ef w4bd h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">139<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x906 y65ef w4be h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">51<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y65f0 w4a7 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Tax losses carried forward<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x907 y65f0 w1bf h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">55<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x908 y65f0 w4bf h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">14<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x909 y65f0 w4c0 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">41<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x90a y65f0 w4c1 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">74<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x90b y65f0 w4be h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">51<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x90c y65f0 wa2 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">23<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y6695 w4c2 h219\"><div class=\"t m0 x1ed h3b y65f2 ff1 fs5 fc3 sc0 ls5 ws0\">Equity Instruments at Fair value through<span class=\"_ _3eb\"> </span></div><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">other comprehensive income<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x90d y6695 w27e h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(103)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x90e y6695 w47d h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(3)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x90f y6695 w4c3 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(100)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x910 y6695 w3b5 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(62)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x911 y6695 w1ee h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(12)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x912 y6695 wf9 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(50)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y6560 w4c4 h219\"><div class=\"t m0 x1ed h3b y65f2 ff1 fs5 fc3 sc0 ls5 ws0\">Debt Instruments at Fair value through<span class=\"_ _3eb\"> </span></div><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">other comprehensive income<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x913 y6560 w4c5 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(27)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x914 y6560 w4a5 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(7)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x915 y6560 w4c6 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(20)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x916 y6560 wc9 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(30)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x917 y6560 w4c7 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(14)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x918 y6560 w46e h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(16)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6575 w483 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Cash flow hedges<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x919 y6575 w2a7 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(70)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x91a y6575 w46d h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(11)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x91b y6575 w62 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(59)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x91c y6575 w4c8 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(9)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x91d y6575 w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x224 y6575 w4c8 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(9)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6562 w470 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Own credit adjustment<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x91e y6562 w4c9 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">24<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x91f y6562 w2f1 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x920 y6562 w1e6 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">23<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x921 y6562 w3c h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls0 ws0\">4<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x922 y6562 w3c h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls0 ws0\">4<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x923 y6562 w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6610 w47a h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">Retirement benefit obligations<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x924 y6610 w4b0 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">9<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x925 y6610 w4ca h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">33<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x926 y6610 w4cb h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(24)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x927 y6610 w47e h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(7)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x928 y6610 w2b4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">16<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x929 y6610 w489 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(23)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6577 w4b1 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Share-based payments<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x92a y6577 w268 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">71<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x92b y6577 w74 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">21<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x92c y6577 w38e h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">50<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x92d y6577 w4cc h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">54<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x92e y6577 w7c h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">12<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x92f y6577 w4cd h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">42<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6566 w4b3 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Other temporary differences<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x888 y6566 w47d h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(3)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x889 y6566 w11e h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">194<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x930 y6566 w2c5 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(197)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x931 y6566 wcf h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">13<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x932 y6566 w4ce h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">199<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x933 y6566 w2ba h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(186)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td class=\"c n x934 y6567 w4b7 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(259)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x935 y6567 we7 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">493<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x936 y6567 w231 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(752)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x937 y6567 w2ce h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(153)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x938 y6567 we8 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">414<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x939 y6567 w4cf h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(567)<span class=\"_ _3eb\"> </span></div></td></tr></table>The recoverability of the Group\u2019s deferred <span class=\"_ _7\"></span>tax assets is based on management\u2019s judgement <span class=\"_ _7\"></span>of the availability of future taxable profits against which the deferred tax <span class=\"_ _7\"></span>assets will be utilised. The Group\u2019s total <span class=\"_ _7\"></span>deferred tax assets include $55 million <span class=\"_ _7\"></span>relating to<span class=\"_ gs36\"> </span>tax losses carried forward, of which <span class=\"_ _7\"></span>$41 million arises in legal entities with <span class=\"_ _7\"></span>offsetting deferred tax liabilities. The remaining deferred tax assets on losses of <span class=\"_ _7\"></span>$14 million are forecast to be recovered <span class=\"_ _7\"></span>before expiry and within five years.<span class=\"_ _3eb\"> </span>Unrecognised deferred tax<span class=\"_ _3eb\"> </span><table class=\"s w4e2 h237\" id=\"_44a51fdc-5e5b-40c3-9e7f-544891f0b5e8\"><tr><td></td><td class=\"t m0 x96c h38 y66ad ff2 fs17 fc0 sc0 ls21 ws20\">Net<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x96d h38 y66ad ff5 fs17 fc0 sc0 ls21 ws20\">Gross<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x96e h39 y66ad ff1 fs17 fc3 sc0 ls21 ws20\">Net<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x96f h39 y66ad ff1 fs17 fc3 sc0 ls21 ws20\">Gross<span class=\"_ _3eb\"> </span></td></tr><tr><td></td><td class=\"t m0 x970 h38 y66ae ff5 fs17 fc0 sc0 ls21 ws20\">2025<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x6be h38 y66ae ff5 fs17 fc0 sc0 ls21 ws20\">2025<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x230 h39 y66ae ff1 fs17 fc3 sc0 ls21 ws20\">2024<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x231 h39 y66ae ff1 fs17 fc3 sc0 ls21 ws20\">2024<span class=\"_ _3eb\"> </span></td></tr><tr><td></td><td class=\"t m0 x4be h38 y66af ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x2fa h38 y66af ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x233 h2c y66af ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x234 h2c y66af ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"t m0 x235 h8 y66b0 ff5 fs5 fc3 sc0 ls5 ws5\">No account has been taken of the <span class=\"_ _7\"></span>following potential deferred </td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m0 x235 h8 y66b1 ff5 fs5 fc3 sc0 ls5 ws5\">tax<span class=\"_ gs1a6\"> </span>assets/(liabilities):<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m0 x247 h1a y66b2 ff4 fs5 fc3 sc0 ls5 ws5\">Withholding tax on unremitted earnings from overseas </td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x236 y6610 w4e3 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">subsidiaries<span class=\"_ gs1a1\"> </span>and associates<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x971 y6610 w442 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(610)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x972 y6610 w4e4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(6,527)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x973 y6610 w27d h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(611)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x974 y6610 w4e5 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(6,827)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x236 y6577 w4e6 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Tax losses<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x975 y6577 w203 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">2,562<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x976 y6577 w4e5 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">10,644<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x977 y6577 w4e7 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">2,494<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x978 y6577 w220 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">10,414<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x236 y6566 w4e8 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Held over gains on incorporation of overseas branches<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x979 y6566 w4e9 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(387)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x97a y6566 w4ea h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(1,468)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x97b y6566 w219 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(360)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x97c y6566 w4eb h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(1,366)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x236 y6567 w4b3 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Other temporary differences<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x97d y6567 w4ec h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">327<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x97e y6567 w4ed h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">1,273<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x97f y6567 w4ee h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">356<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x980 y6567 w4ef h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">1,363</div></td></tr></table>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfTaxReceivablesAndPayablesExplanatory",
    "language": "en",
    "entity": "scheme:U4LOSYZ7YG4W3S5F2G91",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-662": {
   "value": "Deferred tax: <span class=\"ff4\">The following are the <span class=\"_ _7\"></span>major deferred tax liabilities and assets recognised <span class=\"_ _7\"></span>by the Group and movements thereon </span>during the year:<span class=\"_ _3eb\"> </span><table class=\"s w13d h234\" id=\"_a72f8aee-a7ff-4d4f-880c-0fef7ecac264\"><tr><td></td><td class=\"t m0 x8b2 h38 y668d ff5 fs17 fc0 sc0 ls21 ws20\">At 1 January<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x8b3 h38 y668d ff5 fs17 fc0 sc0 ls21 ws20\">Exchange &amp; other </td><td class=\"t m0 x8b4 h38 y668d ff5 fs17 fc0 sc0 ls21 ws20\">(Charge)/ credit </td><td class=\"t m0 x8b5 h38 y668d ff5 fs17 fc0 sc0 ls21 ws20\">(Charge)/ credit </td><td class=\"c n x8b6 y668e w49c h215\"><div class=\"t m0 x1ed h38 y6563 ff5 fs17 fc0 sc0 ls21 ws20\">At 31 December<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td class=\"t m0 x8b7 h38 y668f ff5 fs17 fc0 sc0 ls21 ws20\">2025<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x8b8 h38 y668f ff5 fs17 fc0 sc0 ls21 ws20\">adjustments<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x8b9 h38 y668f ff5 fs17 fc0 sc0 ls21 ws20\">to profit<span class=\"_ _3eb\"> </span></td><td class=\"c x8bb y6690 w49d h215\" colspan=\"2\"><div class=\"t m0 x1ed h38 y6563 ff5 fs17 fc0 sc0 ls21 ws20\">to equity<span class=\"_ _3eb\"> </span></div><div class=\"t m0 x8ba h38 y6563 ff5 fs17 fc0 sc0 ls21 ws20\">2025<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td class=\"t m0 x8bc h38 y6691 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x404 h38 y6691 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x405 h38 y6691 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"c n x8bd y6692 w173 h215\"><div class=\"t m0 x1ed h38 y6563 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x1ec h38 y6691 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"t m0 x221 h8 y6693 ff5 fs5 fc3 sc0 ls5 ws5\">Deferred tax comprises:<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y6694 w49e h1ff\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">Accelerated tax depreciation<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8be y6694 w3c0 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(380)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8bf y6694 w49f h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(16)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8c0 y6694 w4a0 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">4<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8c1 y6694 w1d4 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8c2 y6694 w4a1 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(392)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y65ef w4a2 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">Impairment provisions on loans and<span class=\"_ gs1a1\"> </span>advances<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8c3 y65ef w4a3 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">190<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8c4 y65ef w4a4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(6)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8c5 y65ef w4a5 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(7)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8c6 y65ef w1cf h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8c7 y65ef w4a6 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">177<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y65f0 w4a7 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Tax losses carried forward<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8c8 y65f0 w1f1 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">74<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8c9 y65f0 w388 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">15<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8ca y65f0 w3cc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(34)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8cb y65f0 w1cf h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8cc y65f0 w1c3 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">55<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y6695 w4a8 h219\"><div class=\"t m0 x1ed h3b y65db ff1 fs5 fc3 sc0 ls5 ws0\">Equity Instruments at Fair value through other<span class=\"_ _3eb\"> </span></div><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">comprehensive income<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8cd y6695 w478 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(62)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x873 y6695 w256 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(13)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8ce y6695 w4a9 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(2)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8cf y6695 w464 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(26)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8d0 y6695 w14b h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(103)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y6560 w4aa h219\"><div class=\"t m0 x1ed h3b y65db ff1 fs5 fc3 sc0 ls5 ws0\">Debt Instruments at Fair value through other<span class=\"_ _3eb\"> </span></div><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">comprehensive income<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8d1 y6560 w4ab h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(30)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8d2 y6560 w1de h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">7<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8d3 y6560 w4ac h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8d4 y6560 w144 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(5)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8d5 y6560 w495 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(27)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6575 w483 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Cash flow hedges<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8d6 y6575 w269 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(9)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8d7 y6575 w4ad h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(4)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8d8 y6575 w1cf h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8d9 y6575 w484 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(57)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8da y6575 w1cd h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(70)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y658d w470 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Own credit adjustment<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8db y658d w47b h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">4<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8dc y658d w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8dd y658d w1cf h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8de y658d w472 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">20<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8df y658d w4ae h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">24<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6610 w47a h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">Retirement benefit obligations<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8e0 y6610 w4a5 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(7)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8e1 y6610 w4ac h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8e2 y6610 w4af h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">11<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8e3 y6610 w4a0 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">4<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8e4 y6610 w4b0 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">9<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6577 w4b1 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Share-based payments<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8e5 y6577 w4b2 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">54<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8e6 y6577 w3f4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8e7 y6577 w388 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">15<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8e8 y6577 w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8e9 y6577 w268 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">71<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6566 w4b3 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Other temporary differences<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8ea y6566 w423 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">13<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8eb y6566 w38b h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8ec y6566 w4b4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(19)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8ed y6566 w3f4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8ee y6566 w4b5 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(3)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6567 w4b6 h201\"><div class=\"t m0 x1ed h3d y6548 ff5 fs5 fc3 sc0 ls5 ws5\">Net deferred tax<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8ef y6567 w26c h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(153)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8f0 y6567 w95 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(13)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8f1 y6567 w95 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(31)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8f2 y6567 w464 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(62)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8f3 y6567 w4b7 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(259)<span class=\"_ _3eb\"> </span></div></td></tr></table><table class=\"s w4d0 h236\" id=\"_7fbdd26f-da98-47bf-a106-8320e93eed93\"><tr><td></td><td class=\"t m0 x8b2 h38 y669c ff5 fs17 fc0 sc0 ls21 ws20\">At 1 January<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x8b3 h38 y669c ff5 fs17 fc0 sc0 ls21 ws20\">Exchange &amp; other </td><td class=\"t m0 x8b4 h38 y669c ff5 fs17 fc0 sc0 ls21 ws20\">(Charge)/ credit </td><td class=\"t m0 x8b5 h38 y669c ff5 fs17 fc0 sc0 ls21 ws20\">(Charge)/ credit </td><td class=\"c n x8b6 y669d w49c h215\"><div class=\"t m0 x1ed h38 y6563 ff5 fs17 fc0 sc0 ls21 ws20\">At 31 December<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td class=\"t m0 x8b7 h38 y669e ff5 fs17 fc0 sc0 ls21 ws20\">2024<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x8b8 h38 y669e ff5 fs17 fc0 sc0 ls21 ws20\">adjustments<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x8b9 h38 y669e ff5 fs17 fc0 sc0 ls21 ws20\">to profit<span class=\"_ _3eb\"> </span></td><td class=\"c x8bb y669f w4d1 h215\" colspan=\"2\"><div class=\"t m0 x1ed h38 y6563 ff5 fs17 fc0 sc0 ls21 ws20\">to equity<span class=\"_ _3eb\"> </span></div><div class=\"t m0 x8ba h38 y6563 ff5 fs17 fc0 sc0 ls21 ws20\">2024<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td class=\"t m0 x8bc h38 y66a0 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x404 h38 y66a0 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x405 h38 y66a0 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"c n x8bd y66a1 w173 h215\"><div class=\"t m0 x1ed h38 y6563 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x1ec h38 y66a0 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"t m0 x221 h8 y66a2 ff5 fs5 fc3 sc0 ls5 ws5\">Deferred tax comprises:<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y66a3 w49e h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Accelerated tax depreciation<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x93a y66a3 w442 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(424)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x93b y66a3 w57 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">7<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x93c y66a3 w38f h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">40<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x85c y66a3 w38c h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(3)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x93d y66a3 w2cc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(380)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y66a4 w4d2 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Impairment provisions on loans and advances<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x93e y66a4 w1c7 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">286<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x93f y66a4 w4d3 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(2)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x940 y66a4 w4d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(94)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x941 y66a4 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x942 y66a4 w1e9 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">190<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y66a5 w4a7 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Tax losses carried forward<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x943 y66a5 w4d5 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">97<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x944 y66a5 w277 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(24)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x945 y66a5 w41a h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x946 y66a5 w1cf h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x947 y66a5 w1f7 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">74<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y66a6 w4a8 h221\"><div class=\"t m0 x1ed h3b y65dd ff1 fs5 fc3 sc0 ls5 ws0\">Equity Instruments at Fair value through other<span class=\"_ _3eb\"> </span></div><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">comprehensive income<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x948 y66a6 w4d6 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(144)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x949 y66a6 wa8 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">6<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x94a y66a6 w1cf h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x94b y66a6 w2c0 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">76<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x790 y66a6 w4d7 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(62)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y66a7 w4aa h221\"><div class=\"t m0 x1ed h3b y65dd ff1 fs5 fc3 sc0 ls5 ws0\">Debt Instruments at Fair value through other<span class=\"_ _3eb\"> </span></div><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">comprehensive income<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x94c y66a7 w3ab h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">27<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x94d y66a7 w32 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls0 ws0\">3<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x94e y66a7 w4d8 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(16)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8d9 y66a7 w4d9 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(44)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x94f y66a7 wc9 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(30)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y66a8 w483 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Cash flow hedges<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x950 y66a8 w3ac h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(25)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x949 y66a8 w4da h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x951 y66a8 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x952 y66a8 w9e h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">14<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x953 y66a8 w4c8 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(9)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y66a9 w470 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Own credit adjustment<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x954 y66a9 w2bf h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(71)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x955 y66a9 w73 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">26<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x956 y66a9 w1cf h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x80c y66a9 w475 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">49<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x957 y66a9 w3c h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls0 ws0\">4<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y66aa w47a h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Retirement benefit obligations<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x958 y66aa w3c h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls0 ws0\">4<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x959 y66aa w4db h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(5)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x95a y66aa w44 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">6<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x95b y66aa w1ee h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(12)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x95c y66aa w47e h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(7)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y66ab w4b1 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Share-based payments<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x95d y66ab w1bf h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">43<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x95e y66ab wac h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(1)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x95f y66ab w11d h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">12<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x960 y66ab w1cf h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x961 y66ab w4dc h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">54<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y66ac w4b3 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Other temporary differences<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x962 y66ac w4dd h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">139<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x963 y66ac wac h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(1)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x964 y66ac w2d3 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(160)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x965 y66ac w1ea h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">35<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x966 y66ac wc2 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">13<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6567 w4b6 h203\"><div class=\"t m0 x1ed h1a y65de ff5 fs5 fc3 sc0 ls5 ws5\">Net deferred tax<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x967 y6567 w4de h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(68)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x968 y6567 w310 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">11<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x969 y6567 w4df h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(211)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x96a y6567 w4e0 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">115<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x96b y6567 w4e1 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(153)<span class=\"_ _3eb\"> </span></div></td></tr></table>Deferred tax comprises assets and liabilities <span class=\"_ _7\"></span>as follows:<span class=\"_ _3eb\"> </span><table class=\"s w4b8 h235\" id=\"_6af93e1e-265e-41ec-af5d-e5a01e4a4236\"><tr><td></td><td></td><td class=\"c n x8f4 y6697 w4b9 h204\"><div class=\"t m0 x1ed h2c y6696 ff5 fs17 fc0 sc0 ls21 ws20\">31.12.25<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td class=\"c n x8f5 y6697 w4ba h204\"><div class=\"t m0 x1ed h2c y6696 ff4 fs17 fc3 sc0 ls21 ws20\">31.12.24<span class=\"_ _3eb\"> </span></div></td><td></td></tr><tr><td></td><td class=\"t m0 x8f6 h38 y6698 ff5 fs17 fc0 sc0 ls21 ws20\">Total<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x8f7 h38 y6698 ff5 fs17 fc0 sc0 ls21 ws20\">Asset<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x404 h38 y6698 ff5 fs17 fc0 sc0 ls21 ws20\">Liability<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x544 h39 y6698 ff1 fs17 fc3 sc0 ls21 ws20\">Total<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x8f8 h39 y6698 ff1 fs17 fc3 sc0 ls21 ws20\">Asset<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1ec h2c y6698 ff4 fs17 fc3 sc0 ls21 ws20\">Liability<span class=\"_ _3eb\"> </span></td></tr><tr><td></td><td class=\"t m0 x8f9 h38 y6699 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x8bc h38 y6699 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x404 h38 y6699 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x405 h2c y6699 ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x8fa h2c y6699 ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1ec h2c y6699 ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"t m0 x221 h1a y669a ff4 fs5 fc3 sc0 ls5 ws5\">Deferred tax comprises:<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y6694 w49e h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">Accelerated tax depreciation<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8fb y6694 w4a1 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(392)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8fc y6694 w4bb h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">44<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8fd y6694 w184 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(436)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8fe y6694 w2cc h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(380)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8ff y6694 w2b4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">19<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x900 y6694 w98 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(399)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x221 h1a y669b ff4 fs5 fc3 sc0 ls5 ws5\">Impairment provisions on loans </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y65ef w4bc h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">and<span class=\"_ gs1a1\"> </span>advances<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x901 y65ef w4a6 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">177<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x902 y65ef w377 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">207<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x903 y65ef w4ab h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(30)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x904 y65ef w1e9 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">190<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x905 y65ef w4bd h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">139<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x906 y65ef w4be h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">51<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y65f0 w4a7 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Tax losses carried forward<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x907 y65f0 w1bf h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">55<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x908 y65f0 w4bf h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">14<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x909 y65f0 w4c0 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">41<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x90a y65f0 w4c1 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">74<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x90b y65f0 w4be h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">51<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x90c y65f0 wa2 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">23<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y6695 w4c2 h219\"><div class=\"t m0 x1ed h3b y65f2 ff1 fs5 fc3 sc0 ls5 ws0\">Equity Instruments at Fair value through<span class=\"_ _3eb\"> </span></div><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">other comprehensive income<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x90d y6695 w27e h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(103)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x90e y6695 w47d h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(3)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x90f y6695 w4c3 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(100)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x910 y6695 w3b5 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(62)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x911 y6695 w1ee h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(12)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x912 y6695 wf9 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(50)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y6560 w4c4 h219\"><div class=\"t m0 x1ed h3b y65f2 ff1 fs5 fc3 sc0 ls5 ws0\">Debt Instruments at Fair value through<span class=\"_ _3eb\"> </span></div><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">other comprehensive income<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x913 y6560 w4c5 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(27)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x914 y6560 w4a5 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(7)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x915 y6560 w4c6 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(20)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x916 y6560 wc9 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(30)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x917 y6560 w4c7 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(14)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x918 y6560 w46e h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(16)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6575 w483 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Cash flow hedges<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x919 y6575 w2a7 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(70)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x91a y6575 w46d h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(11)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x91b y6575 w62 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(59)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x91c y6575 w4c8 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(9)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x91d y6575 w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x224 y6575 w4c8 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(9)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6562 w470 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Own credit adjustment<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x91e y6562 w4c9 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">24<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x91f y6562 w2f1 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x920 y6562 w1e6 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">23<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x921 y6562 w3c h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls0 ws0\">4<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x922 y6562 w3c h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls0 ws0\">4<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x923 y6562 w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6610 w47a h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">Retirement benefit obligations<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x924 y6610 w4b0 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">9<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x925 y6610 w4ca h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">33<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x926 y6610 w4cb h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(24)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x927 y6610 w47e h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(7)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x928 y6610 w2b4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">16<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x929 y6610 w489 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(23)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6577 w4b1 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Share-based payments<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x92a y6577 w268 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">71<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x92b y6577 w74 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">21<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x92c y6577 w38e h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">50<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x92d y6577 w4cc h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">54<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x92e y6577 w7c h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">12<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x92f y6577 w4cd h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">42<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6566 w4b3 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Other temporary differences<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x888 y6566 w47d h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(3)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x889 y6566 w11e h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">194<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x930 y6566 w2c5 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(197)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x931 y6566 wcf h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">13<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x932 y6566 w4ce h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">199<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x933 y6566 w2ba h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(186)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td class=\"c n x934 y6567 w4b7 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(259)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x935 y6567 we7 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">493<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x936 y6567 w231 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(752)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x937 y6567 w2ce h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(153)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x938 y6567 we8 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">414<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x939 y6567 w4cf h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(567)<span class=\"_ _3eb\"> </span></div></td></tr></table>The recoverability of the Group\u2019s deferred <span class=\"_ _7\"></span>tax assets is based on management\u2019s judgement <span class=\"_ _7\"></span>of the availability of future taxable profits against which the deferred tax <span class=\"_ _7\"></span>assets will be utilised. The Group\u2019s total <span class=\"_ _7\"></span>deferred tax assets include $55 million <span class=\"_ _7\"></span>relating to<span class=\"_ gs36\"> </span>tax losses carried forward, of which <span class=\"_ _7\"></span>$41 million arises in legal entities with <span class=\"_ _7\"></span>offsetting deferred tax liabilities. The remaining deferred tax assets on losses of <span class=\"_ _7\"></span>$14 million are forecast to be recovered <span class=\"_ _7\"></span>before expiry and within five years.<span class=\"_ _3eb\"> </span>Unrecognised deferred tax<span class=\"_ _3eb\"> </span><table class=\"s w4e2 h237\" id=\"_44a51fdc-5e5b-40c3-9e7f-544891f0b5e8\"><tr><td></td><td class=\"t m0 x96c h38 y66ad ff2 fs17 fc0 sc0 ls21 ws20\">Net<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x96d h38 y66ad ff5 fs17 fc0 sc0 ls21 ws20\">Gross<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x96e h39 y66ad ff1 fs17 fc3 sc0 ls21 ws20\">Net<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x96f h39 y66ad ff1 fs17 fc3 sc0 ls21 ws20\">Gross<span class=\"_ _3eb\"> </span></td></tr><tr><td></td><td class=\"t m0 x970 h38 y66ae ff5 fs17 fc0 sc0 ls21 ws20\">2025<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x6be h38 y66ae ff5 fs17 fc0 sc0 ls21 ws20\">2025<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x230 h39 y66ae ff1 fs17 fc3 sc0 ls21 ws20\">2024<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x231 h39 y66ae ff1 fs17 fc3 sc0 ls21 ws20\">2024<span class=\"_ _3eb\"> </span></td></tr><tr><td></td><td class=\"t m0 x4be h38 y66af ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x2fa h38 y66af ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x233 h2c y66af ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x234 h2c y66af ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"t m0 x235 h8 y66b0 ff5 fs5 fc3 sc0 ls5 ws5\">No account has been taken of the <span class=\"_ _7\"></span>following potential deferred </td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m0 x235 h8 y66b1 ff5 fs5 fc3 sc0 ls5 ws5\">tax<span class=\"_ gs1a6\"> </span>assets/(liabilities):<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m0 x247 h1a y66b2 ff4 fs5 fc3 sc0 ls5 ws5\">Withholding tax on unremitted earnings from overseas </td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x236 y6610 w4e3 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">subsidiaries<span class=\"_ gs1a1\"> </span>and associates<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x971 y6610 w442 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(610)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x972 y6610 w4e4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(6,527)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x973 y6610 w27d h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(611)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x974 y6610 w4e5 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(6,827)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x236 y6577 w4e6 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Tax losses<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x975 y6577 w203 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">2,562<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x976 y6577 w4e5 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">10,644<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x977 y6577 w4e7 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">2,494<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x978 y6577 w220 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">10,414<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x236 y6566 w4e8 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Held over gains on incorporation of overseas branches<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x979 y6566 w4e9 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(387)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x97a y6566 w4ea h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(1,468)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x97b y6566 w219 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(360)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x97c y6566 w4eb h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(1,366)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x236 y6567 w4b3 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Other temporary differences<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x97d y6567 w4ec h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">327<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x97e y6567 w4ed h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">1,273<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x97f y6567 w4ee h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">356<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x980 y6567 w4ef h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">1,363</div></td></tr></table>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfDeferredTaxesExplanatory",
    "language": "en",
    "entity": "scheme:U4LOSYZ7YG4W3S5F2G91",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-632": {
   "value": "<div class=\"t m0 hf ff8 fsb fc2 sc0 lsb ws9 gs338\">11. Dividends<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs339\">The Board considers a number of <span class=\"_ _7\"></span>factors prior to dividend declaration which includes <span class=\"_ _7\"></span>the rate of recovery in the <span class=\"_ _7\"></span>Group\u2019s </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs33a\">financial performance, the macroeconomic environment, and <span class=\"_ _7\"></span>opportunities to further invest in our business <span class=\"_ _7\"></span>and grow profitably </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs33b\">in our markets.<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs33c\">Dividends on equity instruments are recognized <span class=\"_ _7\"></span>as a liability once they have been <span class=\"_ _7\"></span>declared and no longer at the <span class=\"_ _7\"></span>discretion of </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs33d\">the directors, and in certain situations, <span class=\"_ _7\"></span>approved by shareholders.<span class=\"_ _3eb\"> </span></div><div class=\"t m0 hc ff6 fs8 fc2 sc0 ls8 ws0 gs33e\">Ordinary equity shares<span class=\"_ _3eb\"> </span></div><div class=\"gs33f\"><table class=\"s w4f0 h238\" id=\"_0f575327-b4b2-4e74-8223-c5964df04cbd\"><tr><td></td><td class=\"c n x981 y66b3 w36d h215\"><div class=\"t m0 x1ed h38 y6563 ff5 fs17 fc0 sc0 ls21 ws20\">2025<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n x982 y66b3 w307 h205\"><div class=\"t m0 x1ed h38 y6563 ff1 fs17 fc3 sc0 ls21 ws20\">2024<span class=\"_ _3eb\"> </span></div></td><td></td></tr><tr><td></td><td class=\"c n x983 y66b4 w4f1 h204\"><div class=\"t m0 x1ed h2c y6696 ff5 fs17 fc0 sc0 ls21 ws20\">Cents per share<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x984 y66b4 w173 h204\"><div class=\"t m0 x1ed h2c y6696 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x985 y66b4 w4f2 h205\"><div class=\"t m0 x1ed h2c y6696 ff1 fs17 fc3 sc0 ls21 ws0\">Cents per share<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x986 y66b4 w42b h204\"><div class=\"t m0 x1ed h2c y6696 ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y66b6 w4f3 h239\"><div class=\"t m0 x1ed h5 y66b5 ff4 fs2 fc3 sc0 ls2 ws1\">2024/2023 final dividend declared and paid <span class=\"_ _7\"></span>during the year<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x987 y66b8 w4f4 h203\"><div class=\"t m0 x1ed h5 y66b7 ff6 fs5 fc3 sc0 ls5 ws5\">28<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x988 y66b8 w109 h203\"><div class=\"t m0 x1ed h5 y66b7 ff6 fs5 fc3 sc0 ls5 ws5\">670<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x989 y66b8 w7c h23a\"><div class=\"t m0 x1ed h5 y66b7 ff1 fs5 fc3 sc0 ls5 ws5\">21<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x98a y66b8 w4f5 h23a\"><div class=\"t m0 x1ed h5 y66b7 ff1 fs5 fc3 sc0 ls5 ws5\">551<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6567 w4f6 h239\"><div class=\"t m0 x1ed h5 y66b5 ff4 fs2 fc3 sc0 ls2 ws1\">2025/2024 interim dividend declared and paid <span class=\"_ _7\"></span>during the year<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x849 y66b9 w74 h203\"><div class=\"t m0 x1ed h5 y66b7 ff6 fs5 fc3 sc0 ls5 ws5\">12<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x98b y66b9 w4f7 h203\"><div class=\"t m0 x1ed h5 y66b7 ff6 fs5 fc3 sc0 ls5 ws5\">284<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x98c y66b9 wa8 h203\"><div class=\"t m0 x1ed h5 y66b7 ff4 fs5 fc3 sc0 ls0 ws0\">9<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x98d y66b9 w114 h203\"><div class=\"t m0 x1ed h5 y66b7 ff4 fs5 fc3 sc0 ls5 ws5\">229<span class=\"_ _3eb\"> </span></div></td></tr></table></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs340\">Dividends on ordinary equity shares are <span class=\"_ _7\"></span>recorded in the period in which they <span class=\"_ _7\"></span>are declared and, in respect of <span class=\"_ _7\"></span>the final dividend, </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs341\">have been approved by the shareholders. <span class=\"_ _7\"></span>Accordingly, the final ordinary equity share dividends <span class=\"_ _7\"></span>set out above relate to the </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs342\">respective prior years.<span class=\"_ _3eb\"> </span></div><div class=\"t m0 hc ff7 fs8 fc2 sc0 ls8 wsb gs343\">2025 recommended final <span class=\"_ _7\"></span>ordinary equity <span class=\"_ _7\"></span>share dividend<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs344\">The 2025 final ordinary equity share <span class=\"_ _7\"></span>dividend recommended by the Board is 49 <span class=\"_ _7\"></span>cents per share. The financial statements </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs345\">for<span class=\"_ gs36\"> </span>the<span class=\"_ gs36\"> </span>year ended 31 December 2025 do <span class=\"_ _7\"></span>not reflect this dividend as this will <span class=\"_ _7\"></span>be accounted for in shareholders\u2019 equity </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs346\">as<span class=\"_ gs36\"> </span>an<span class=\"_ gs36\"> </span>appropriation of retained profits in the <span class=\"_ _7\"></span>year ending 31 December 2026.<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs347\">The dividend will be paid in <span class=\"_ _7\"></span>either pounds sterling, Hong Kong dollars or <span class=\"_ _7\"></span>US dollars on 14 May 2026 <span class=\"_ _7\"></span>to shareholders </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs348\">on<span class=\"_ gs36\"> </span>the<span class=\"_ gs36\"> </span>UK<span class=\"_ gs36\"> </span>and HK register of members at <span class=\"_ _7\"></span>the close of business in the UK <span class=\"_ _7\"></span>on 20 March 2026.<span class=\"_ _3eb\"> </span></div><div class=\"t m0 hc ff7 fs8 fc2 sc0 ls8 wsb gs349\">Preference shares and <span class=\"_ _7\"></span>Additional Tier <span class=\"_ _7\"></span>1 securities<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs34a\">Dividends on these preference shares and <span class=\"_ _7\"></span>securities classified as equity are recorded in <span class=\"_ _7\"></span>the period in which they are <span class=\"_ _7\"></span>declared.<span class=\"_ _3eb\"> </span></div><div class=\"gs34b\"><table class=\"s w40f h23b\" id=\"_b44cf958-b42d-45ea-a245-021d93c5eca0\"><tr><td></td><td class=\"t m0 x230 h38 y66ba ff5 fs17 fc0 sc0 ls21 ws20\">2025<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x231 h39 y66ba ff1 fs17 fc3 sc0 ls21 ws20\">2024<span class=\"_ _3eb\"> </span></td></tr><tr><td></td><td class=\"t m0 x233 h38 y66bb ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x234 h2c y66bb ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"t m0 x235 h1a y66bc ff4 fs5 fc3 sc0 ls5 ws5\">Non-cumulative redeemable preference shares:<span class=\"_ _3eb\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x1ee y6562 w4f8 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">7.014 per cent preference shares of $5 <span class=\"_ _7\"></span>each<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x808 y6562 w66 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">26<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x98e y6562 w3a7 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">53<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y66bd w4f9 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Floating rate preference shares of $5 each</div><div class=\"t m0 x98f h3c y660d ff1 fs1b fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x990 y6610 w131 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">73<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x991 y6610 w4dc h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">54<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td class=\"c n x992 y6577 w4fa h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">99<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x993 y6577 w17a h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">107<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6566 w4fb h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">Additional Tier 1 securities: fixed rate resetting <span class=\"_ _7\"></span>perpetual subordinated contingent convertible securities<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x994 y6566 w4fc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">428<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x995 y6566 w4fd h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">350<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td class=\"c n x996 y6567 w113 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">527<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x997 y6567 w40e h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">457<span class=\"_ _3eb\"> </span></div></td></tr></table></div><div class=\"t m0 hb ff1 fs7 fc3 sc0 ls7 ws7 gs34c\">1 <span class=\"_ _b\"> </span><span class=\"ff4\">Floating rate is based on Secured Overnight Financing Rate (SOFR), average rate paid <span class=\"_ _7\"></span>for floating preference shares is 9.73% (2024: 7.21%).</span></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfDividendsExplanatory",
    "language": "en",
    "entity": "scheme:U4LOSYZ7YG4W3S5F2G91",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-633": {
   "value": "12. Earnings per <span class=\"_ _1b\"></span>ordinary share<span class=\"_ _3eb\"> </span>Accounting policy<span class=\"_ _3eb\"> </span>The Group also measures earnings per <span class=\"_ _7\"></span>share on an underlying basis. This differs <span class=\"_ _7\"></span>from earnings defined in IAS 33 <span class=\"_ _7\"></span>Earnings per<span class=\"_ gs36\"> </span>share. Underlying earnings is profit/(loss) attributable <span class=\"_ _7\"></span>to ordinary shareholders adjusted for profits or <span class=\"_ _7\"></span>losses of a capital nature; amounts consequent to investment transactions <span class=\"_ _7\"></span>driven by strategic intent; and other infrequent <span class=\"_ _7\"></span>and/or exceptional transactions that are significant or material <span class=\"_ _7\"></span>in the context of the Group\u2019s normal <span class=\"_ _7\"></span>business earnings for the year.<span class=\"_ _3eb\"> </span>The table below provides the basis <span class=\"_ _7\"></span>of underlying earnings.<span class=\"_ _3eb\"> </span><table class=\"s w4fe h23c\" id=\"_c65bd1b3-b203-4789-ab75-fbde6a72be77\"><tr><td></td><td class=\"t m0 x1e8 h38 y66be ff5 fs17 fc0 sc0 ls21 ws20\">2025<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1e9 h39 y66be ff1 fs17 fc3 sc0 ls21 ws20\">2024<span class=\"_ _3eb\"> </span></td></tr><tr><td></td><td class=\"t m0 x1eb h38 y66bf ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1ec h2c y66bf ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c n x1ee y66c0 w4ff h201\"><div class=\"t m0 x1ed h3d y6548 ff5 fs5 fc3 sc0 ls5 ws5\">Profit for the year attributable to equity <span class=\"_ _7\"></span>holders<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x262 y66c0 w500 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">5,097<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x998 y66c0 w71 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">4,042<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y66c1 w501 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Non-controlling interest<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x999 y66c1 w502 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(12)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x99a y66c1 w5e h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">8<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y66c2 w503 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">Dividend payable on preference shares and AT1 <span class=\"_ _7\"></span>classified as equity<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x99b y66c2 w231 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(527)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x99c y66c2 w232 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(457)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y66c3 w504 h201\"><div class=\"t m0 x1ed h3d y6548 ff5 fs5 fc3 sc0 ls5 ws5\">Profit for the year attributable to ordinary <span class=\"_ _7\"></span>shareholders<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x99d y66c3 w505 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">4,558<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x99e y66c3 w41b h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">3,593<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y66c5 w506 h201\"><div class=\"t m0 x1ed h8 y666e ff5 fs5 fc3 sc0 ls5 ws5\">Items normalised</div><div class=\"t m0 x99f h9a y66c4 ff5 fs1b fc3 sc0 ls0 ws0\">1</div><div class=\"t m0 x9a0 h8 y666e ff5 fs5 fc3 sc0 ls0 ws0\">:<span class=\"_ _3eb\"> </span></div></td><td></td><td></td></tr><tr><td class=\"c n x40b y6558 w30d h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">Restructuring<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9a1 y6558 w507 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">320<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9a2 y6558 w508 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">285<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x40b y658b w509 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">FFG<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9a3 y658b w3ed h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">531<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9a4 y658b w50a h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">156<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x40b y6570 w311 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">DVA<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9a5 y6570 w423 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">31<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9a6 y6570 w116 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">24<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x40b y655b w50b h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Net loss on sale of businesses<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9a7 y655b w3d2 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">10<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9a8 y655b w50c h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">232<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x40b y655c w463 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Other items<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9a9 y655c wb8 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">45<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9aa y655c w323 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">100<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y655d w50d h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Tax on normalised items<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9ab y655d w26c h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(135)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9ac y655d w455 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(114)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6573 w50e h201\"><div class=\"t m0 x1ed h3d y6548 ff5 fs5 fc3 sc0 ls5 ws5\">Underlying profit attributable to ordinary shareholders<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9ad y6573 w50f h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">5,360<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9ae y6573 w33c h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">4,276<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6560 w510 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">Basic \u2013 weighted average number of shares <span class=\"_ _7\"></span>(millions)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9af y6560 w511 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">2,333<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9b0 y6560 w512 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">2,543<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6575 w513 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">Diluted \u2013 weighted average number of shares <span class=\"_ _7\"></span>(millions)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9b1 y6575 w514 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">2,404<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9b2 y6575 w4d6 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">2,610<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y658e w515 h203\"><div class=\"t m0 x1ed h3d y655f ff5 fs5 fc3 sc0 ls5 ws5\">Basic earnings per ordinary share (cents)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9b3 y658e w14b h203\"><div class=\"t m0 x1ed h3d y655f ff7 fs5 fc3 sc0 ls5 ws5\">195.4<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9b4 y658e w7e h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">141.3<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6577 w516 h203\"><div class=\"t m0 x1ed h3d y655f ff5 fs5 fc3 sc0 ls5 ws5\">Diluted earnings per ordinary share (cents)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9b5 y6577 w80 h203\"><div class=\"t m0 x1ed h3d y655f ff7 fs5 fc3 sc0 ls5 ws5\">189.6<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9b6 y6577 w81 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">137.7<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6566 w517 h203\"><div class=\"t m0 x1ed h3d y655f ff5 fs5 fc3 sc0 ls5 ws5\">Underlying basic earnings per ordinary share (cents)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9b7 y6566 w518 h203\"><div class=\"t m0 x1ed h3d y655f ff7 fs5 fc3 sc0 ls5 ws5\">229.7<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9b8 y6566 w27d h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">168.1<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6567 w519 h203\"><div class=\"t m0 x1ed h3d y655f ff5 fs5 fc3 sc0 ls5 ws5\">Underlying diluted earnings per ordinary share (cents)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9b9 y6567 w31a h203\"><div class=\"t m0 x1ed h3d y655f ff7 fs5 fc3 sc0 ls5 ws5\">223.0<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9ba y6567 w329 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">163.8<span class=\"_ _3eb\"> </span></div></td></tr></table>1 <span class=\"_ _b\"> </span><span class=\"ff4\">Refer note 2 segmental information for normalised items.<span class=\"_ _3eb\"> </span></span>The calculation of basic earnings per share is based on the profit attributable to equity holders of the parent and the basic weighted average number of shares excluding <span class=\"_ _7\"></span>treasury shares held in employees benefit trust. <span class=\"_ _7\"></span>When calculating diluted earnings per share, the weighted average <span class=\"_ _7\"></span>number of shares in issue is adjusted <span class=\"_ _7\"></span>for the effects of all expected <span class=\"_ _7\"></span>dilutive potential ordinary shares held in respect of <span class=\"_ _7\"></span>Standard Chartered PLC totalling 58 million (2024: <span class=\"_ _7\"></span>59 million). The total number of <span class=\"_ _7\"></span>share options outstanding, under schemes considered to <span class=\"_ _7\"></span>be potentially dilutive, was 13 million (2024: <span class=\"_ _7\"></span>7 million). These options have strike prices ranging from $4.94 to <span class=\"_ _7\"></span>$14.93. Of the total number of employee <span class=\"_ _7\"></span>share options and share awards at <span class=\"_ _7\"></span>31 December 2025 there were nil share options <span class=\"_ _7\"></span>and share awards which were anti-dilutive.<span class=\"_ _3eb\"> </span>The 210 million decrease (2024: 235 <span class=\"_ _7\"></span>million decrease) in the basic weighted average <span class=\"_ _7\"></span>number of shares is primarily due <span class=\"_ _7\"></span>to the impact of the share buyback programmes <span class=\"_ _7\"></span>completed in the year.",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfEarningsPerShareExplanatory",
    "language": "en",
    "entity": "scheme:U4LOSYZ7YG4W3S5F2G91",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-709": {
   "value": "Accounting policy<span class=\"_ _3eb\"> </span>The Group also measures earnings per <span class=\"_ _7\"></span>share on an underlying basis. This differs <span class=\"_ _7\"></span>from earnings defined in IAS 33 <span class=\"_ _7\"></span>Earnings per<span class=\"_ gs36\"> </span>share. Underlying earnings is profit/(loss) attributable <span class=\"_ _7\"></span>to ordinary shareholders adjusted for profits or <span class=\"_ _7\"></span>losses of a capital nature; amounts consequent to investment transactions <span class=\"_ _7\"></span>driven by strategic intent; and other infrequent <span class=\"_ _7\"></span>and/or exceptional transactions that are significant or material <span class=\"_ _7\"></span>in the context of the Group\u2019s normal <span class=\"_ _7\"></span>business earnings for the year.<span class=\"_ _3eb\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForEarningsPerShareExplanatory",
    "language": "en",
    "entity": "scheme:U4LOSYZ7YG4W3S5F2G91",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-663": {
   "value": "13. Financial instruments<span class=\"_ _3eb\"> </span>Classification and <span class=\"_ _7\"></span>measurement<span class=\"_ _3eb\"> </span>Accounting policy<span class=\"_ _3eb\"> </span>Financial assets <span class=\"_ _7\"></span>held at <span class=\"_ _7\"></span>amortised cost <span class=\"_ _7\"></span>and fair <span class=\"_ _7\"></span>value through <span class=\"_ _7\"></span>other comprehensive <span class=\"_ _7\"></span>income<span class=\"_ _3eb\"> </span>Debt instruments held at amortised cost or held at FVOCI have contractual terms that give rise to cash flows that are solely payments of principal and interest (SPPI) <span class=\"_ _7\"></span>characteristics. In assessing whether the contractual cash <span class=\"_ _7\"></span>flows have SPPI characteristics, the Group considers <span class=\"_ _7\"></span>the contractual terms of the instrument. This includes assessing whether the <span class=\"_ _7\"></span>financial asset contains a contractual term that <span class=\"_ _7\"></span>could change the timing or amount of contractual cash flows such <span class=\"_ _7\"></span>that it would not meet this condition. <span class=\"_ _7\"></span>In making the assessment, the Group <span class=\"_ _7\"></span>considers: <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">Contingent events that would change the amount and timing of cash flows</span> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ls2\">Leverage features</span> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ls2\">Prepayment and extension terms</span> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">Terms that limit the Group\u2019s claim to cash flows from specified assets <span class=\"_ _7\"></span>(e.g. non-recourse asset arrangements) </span> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">Features that modify consideration of the time value of money \u2013 e.g. <span class=\"_ _7\"></span>periodical reset of interest rates<span class=\"_ _3eb\"> </span></span>Whether financial assets are held at <span class=\"_ _7\"></span>amortised cost or at FVOCI depends on <span class=\"_ _7\"></span>the objectives of the business models <span class=\"_ _7\"></span>under which the assets are held. A <span class=\"_ _7\"></span>business model refers to how the Group <span class=\"_ _7\"></span>manages financial assets to generate cash <span class=\"_ _7\"></span>flows.<span class=\"_ _3eb\"> </span>The Group makes an assessment of <span class=\"_ _7\"></span>the objective of a business model in <span class=\"_ _7\"></span>which an asset is held at <span class=\"_ _7\"></span>the individual product business line, and where applicable within <span class=\"_ _7\"></span>business lines depending on the way the <span class=\"_ _7\"></span>business is managed and information is<span class=\"_ gs36\"> </span>provided to management. Factors considered include: <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ls2\">How the performance of the product business line is evaluated and reported to the Group\u2019s management</span> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">How managers of the business model are compensated, including whether management is <span class=\"_ _7\"></span>compensated based </span>on<span class=\"_ gs36\"> </span>the<span class=\"_ gs36\"> </span>fair value of assets or the <span class=\"_ _7\"></span>contractual cash flows collected <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ls2\">The risks that affect the performance of the business model and how those risks are managed</span> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">The frequency, volume and timing of sales in prior periods, the reasons <span class=\"_ _7\"></span>for such sales and expectations about <span class=\"_ _7\"></span>future </span>sales<span class=\"_ gs36\"> </span>activity<span class=\"_ _3eb\"> </span>The Group\u2019s business model assessment is <span class=\"_ _7\"></span>as follows:<span class=\"_ _3eb\"> </span><table class=\"s w51a h23d\" id=\"_75439fb2-8a84-4a62-a7d1-71356f640b90\"><tr><td class=\"t m0 x9bc h4 y66c6 ff2 fs1 fc1 sc0 ls1 ws2\">Business </td><td class=\"t m0 x9bd h4 y66c6 ff2 fs1 fc1 sc0 ls1 ws2\">Business </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m0 x9bc h4 y66c7 ff5 fs1 fc1 sc0 ls1 ws2\">model<span class=\"_ _3eb\"> </span></td><td class=\"c n x9be y66c9 w51b h23e\"><div class=\"t m0 x1ed h4 y66c8 ff5 fs1 fc1 sc0 ls1 ws2\">objective<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9bf y66c9 w51c h23e\"><div class=\"t m0 x1ed h4 y66c8 ff5 fs1 fc1 sc0 ls1 ws2\">Characteristics<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n x9c0 y66c9 w51d h23e\"><div class=\"t m0 x1ed h4 y66c8 ff2 fs1 fc1 sc0 ls1 ws2\">Businesses<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n x9c1 y66c9 w15e h23e\"><div class=\"t m0 x1ed h4 y66c8 ff5 fs1 fc1 sc0 ls1 ws2\">Products<span class=\"_ _3eb\"> </span></div></td><td></td></tr><tr><td class=\"t m0 x9bc h20 y66ca ff6 fs2 fc3 sc0 ls2 ws0\">Hold to </td><td class=\"t m0 x9bd h9 y66ca ff1 fs2 fc3 sc0 ls2 ws0\">Intent is to </td><td class=\"c n x9c2 y66cb w51e h1ff\"><div class=\"t m0 x1ed h5 y66b5 ff1 fs2 fc3 sc0 ls0 ws0\">\u2022<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c3 y66cb w51f h23f\"><div class=\"t m0 x1ed h5 y66b5 ff4 fs2 fc3 sc0 ls2 ws1\">Providing financing and originating<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c4 y66cd w520 h1ff\"><div class=\"t m0 x1ed h9 y66cc ff1 fs2 fc3 sc0 ls0 ws0\">\u2022<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c5 y66cd w521 h201\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls2 ws0\">Global Banking<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c6 y66cd w520 h1ff\"><div class=\"t m0 x1ed h9 y66cc ff1 fs2 fc3 sc0 ls0 ws0\">\u2022<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c7 y66cd w522 h201\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls2 ws0\">Loans and<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x9bc h20 y66cf ff6 fs2 fc3 sc0 ls2 ws1\">collect<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x9bd h5 y66cf ff4 fs2 fc3 sc0 ls2 ws1\">originate financial </td><td class=\"t m0 x9c8 h9 y66cf ff1 fs2 fc3 sc0 ls2 ws0\" colspan=\"2\">assets to earn interest income as </td><td class=\"c n x9c4 y66d0 w520 h201\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls0 ws0\">\u2022<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c5 y66d0 w523 h201\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls2 ws1\">Transaction<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x9c9 h9 y66cf ff1 fs2 fc3 sc0 ls2 ws1\" colspan=\"2\">advances<span class=\"_ _3eb\"> </span></td></tr><tr><td></td><td class=\"t m0 x9bd h9 y66d1 ff1 fs2 fc3 sc0 ls2 ws0\">assets and hold </td><td class=\"t m0 x9c8 h9 y66d1 ff1 fs2 fc3 sc0 ls2 ws0\" colspan=\"2\">primary income stream<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x9ca h9 y66d2 ff1 fs2 fc3 sc0 ls2 ws1\" colspan=\"2\">Banking<span class=\"_ _3eb\"> </span></td><td class=\"c n x9c6 y66d3 w520 h203\"><div class=\"t m0 x1ed h5 y66b5 ff1 fs2 fc3 sc0 ls0 ws0\">\u2022<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c7 y66d3 w524 h239\"><div class=\"t m0 x1ed h5 y66b5 ff4 fs2 fc3 sc0 ls2 ws1\">Debt securities<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td class=\"t m0 x9bd h9 y66d4 ff1 fs2 fc3 sc0 ls2 ws0\">them to maturity, </td><td class=\"c n x9c2 y66d5 w51e h201\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls0 ws0\">\u2022<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c3 y66d5 w525 h201\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls2 ws0\">Performing credit risk management<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c4 y66d6 w520 h201\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls0 ws0\">\u2022<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c5 y66d6 w526 h201\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls2 ws0\">Retail Lending<span class=\"_ _3eb\"> </span></div></td><td></td><td></td></tr><tr><td></td><td class=\"t m0 x9bd h9 y66d7 ff1 fs2 fc3 sc0 ls2 ws0\">collecting the </td><td class=\"t m0 x9c8 h5 y66d8 ff4 fs2 fc3 sc0 ls2 ws1\" colspan=\"2\">activities<span class=\"_ _3eb\"> </span></td><td class=\"c n x9c4 y66d9 w520 h201\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls0 ws0\">\u2022<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c5 y66d9 w527 h201\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls2 ws1\">Treasury<span class=\"_ _3eb\"> </span></div></td><td></td><td></td></tr><tr><td></td><td class=\"t m0 x9bd h9 y66da ff1 fs2 fc3 sc0 ls2 ws0\">contractual cash </td><td class=\"c n x9c2 y66db w51e h201\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls0 ws0\">\u2022<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c3 y66db w528 h201\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls2 ws0\">Costs include funding costs, transaction</div></td><td class=\"t m0 x9ca h9 y66dc ff1 fs2 fc3 sc0 ls2 ws0\" colspan=\"2\">Markets (Loans </td><td></td><td></td></tr><tr><td></td><td class=\"t m0 x9bd h9 y66dd ff1 fs2 fc3 sc0 ls2 ws0\">flows over the term </td><td class=\"t m0 x9c8 h5 y66de ff4 fs2 fc3 sc0 ls2 ws1\" colspan=\"2\">costs and impairment losses<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x9ca h5 y66df ff4 fs2 fc3 sc0 ls2 ws1\" colspan=\"2\">and Borrowings)<span class=\"_ _3eb\"> </span></td><td></td><td></td></tr><tr><td></td><td class=\"t m0 x9bd h9 y66e0 ff1 fs2 fc3 sc0 ls2 ws0\">of the instrument<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"c n x9c4 y66e1 w520 h201\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls0 ws0\">\u2022<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c5 y66e1 w529 h201\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls2 ws0\">Global Markets<span class=\"_ _3eb\"> </span></div></td><td></td><td></td></tr><tr><td class=\"t m0 x9bc h20 y66e2 ff6 fs2 fc3 sc0 ls2 ws0\">Hold to </td><td class=\"t m0 x9bd h5 y66e2 ff4 fs2 fc3 sc0 ls2 ws1\">Business objective </td><td class=\"c n x9c2 y66e3 w51e h203\"><div class=\"t m0 x1ed h5 y66b5 ff1 fs2 fc3 sc0 ls0 ws0\">\u2022<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c3 y66e3 w525 h239\"><div class=\"t m0 x1ed h5 y66b5 ff4 fs2 fc3 sc0 ls2 ws1\">Portfolios held for liquidity needs; or<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c4 y66e4 w520 h201\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls0 ws0\">\u2022<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c5 y66e4 w527 h201\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls2 ws1\">Treasury<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c6 y66e3 w520 h203\"><div class=\"t m0 x1ed h5 y66b5 ff1 fs2 fc3 sc0 ls0 ws0\">\u2022<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c7 y66e3 w524 h239\"><div class=\"t m0 x1ed h5 y66b5 ff4 fs2 fc3 sc0 ls2 ws1\">Debt securities<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x9bc h20 y66e5 ff6 fs2 fc3 sc0 ls2 ws1\">collect </td><td class=\"t m0 x9bd h9 y66e5 ff1 fs2 fc3 sc0 ls2 ws0\">met through both </td><td class=\"t m0 x9c8 h9 y66e5 ff1 fs2 fc3 sc0 ls2 ws0\" colspan=\"2\">where a certain interest yield profile is </td><td class=\"t m0 x9ca h9 y66e5 ff1 fs2 fc3 sc0 ls2 ws1\" colspan=\"2\">Markets<span class=\"_ _3eb\"> </span></td><td></td><td></td></tr><tr><td class=\"t m0 x9bc h20 y66e6 ff7 fs2 fc3 sc0 ls2 ws1\">and<span class=\"_ gs36e\"> </span>sell<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x9bd h9 y66e6 ff1 fs2 fc3 sc0 ls2 ws0\">hold to collect and </td><td class=\"t m0 x9c8 h5 y66e6 ff4 fs2 fc3 sc0 ls2 ws1\" colspan=\"2\">maintained; or that are normally </td><td class=\"c n x9c4 y66e7 w520 h201\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls0 ws0\">\u2022<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c5 y66e7 w52a h201\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls2 ws0\">Central Credit<span class=\"_ _3eb\"> </span></div></td><td></td><td></td></tr><tr><td></td><td class=\"t m0 x9bd h5 y66e8 ff4 fs2 fc3 sc0 ls2 ws1\">by selling financial </td><td class=\"t m0 x9c8 h9 y66e8 ff1 fs2 fc3 sc0 ls2 ws0\" colspan=\"2\">rebalanced to achieve matching of </td><td class=\"t m0 x9ca h9 y66e9 ff1 fs2 fc3 sc0 ls2 ws1\" colspan=\"2\">Unit<span class=\"_ _3eb\"> </span></td><td></td><td></td></tr><tr><td></td><td class=\"t m0 x9bd h9 y66ea ff1 fs2 fc3 sc0 ls2 ws1\">assets<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x9c8 h5 y66ea ff4 fs2 fc3 sc0 ls2 ws1\" colspan=\"2\">duration of assets and liabilities<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"c n x9c2 y66eb w51e h201\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls0 ws0\">\u2022<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c3 y66eb w52b h201\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls2 ws0\">Income streams come from interest<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"t m0 x9c8 h9 y66ec ff1 fs2 fc3 sc0 ls2 ws0\" colspan=\"2\">income, fair value changes, and </td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"t m0 x9c8 h5 y66ed ff4 fs2 fc3 sc0 ls2 ws1\" colspan=\"2\">impairment losses<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m0 x9bc h20 y66ee ff6 fs2 fc3 sc0 ls2 ws0\">Fair value </td><td class=\"t m0 x9bd h9 y66ee ff1 fs2 fc3 sc0 ls2 ws0\">All other business </td><td class=\"c n x9c2 y66ef w51e h201\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls0 ws0\">\u2022<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c3 y66ef w52c h201\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls2 ws0\">Assets held for trading<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c4 y66ef w520 h201\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls0 ws0\">\u2022<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c5 y66ef w527 h201\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls2 ws1\">Treasury<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c6 y66f0 w520 h203\"><div class=\"t m0 x1ed h5 y66b5 ff1 fs2 fc3 sc0 ls0 ws0\">\u2022<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c7 y66f0 w52d h239\"><div class=\"t m0 x1ed h5 y66b5 ff4 fs2 fc3 sc0 ls2 ws1\">Derivatives<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x9bc h20 y66f1 ff6 fs2 fc3 sc0 ls2 ws1\">through </td><td class=\"t m0 x9bd h5 y66f1 ff4 fs2 fc3 sc0 ls2 ws1\">objectives, </td><td class=\"c n x9c2 y66f2 w51e h203\"><div class=\"t m0 x1ed h5 y66b5 ff1 fs2 fc3 sc0 ls0 ws0\">\u2022<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c3 y66f2 w52e h239\"><div class=\"t m0 x1ed h5 y66b5 ff4 fs2 fc3 sc0 ls2 ws1\">Assets that are originated, purchased,<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x9ca h9 y66f1 ff1 fs2 fc3 sc0 ls2 ws1\" colspan=\"2\">Markets<span class=\"_ _3eb\"> </span></td><td class=\"c n x9c6 y66f3 w520 h201\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls0 ws0\">\u2022<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c7 y66f3 w52f h201\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls2 ws0\">Equity shares<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x9bc h20 y66f4 ff6 fs2 fc3 sc0 ls2 ws1\">profit </td><td class=\"t m0 x9bd h5 y66f4 ff4 fs2 fc3 sc0 ls2 ws1\">including trading </td><td class=\"t m0 x9c8 h9 y66f5 ff1 fs2 fc3 sc0 ls2 ws0\" colspan=\"2\">and sold for profit taking or </td><td class=\"c n x9c4 y66f6 w520 h203\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls0 ws0\">\u2022<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c5 y66f6 w529 h203\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls2 ws0\">Global Markets<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c6 y66f7 w520 h203\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls0 ws0\">\u2022<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c7 y66f7 w530 h203\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls2 ws1\">Trading<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x9bc h20 y66f8 ff7 fs2 fc3 sc0 ls2 ws1\">or<span class=\"_ gs36e\"> </span>loss<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x9bd h9 y66f8 ff1 fs2 fc3 sc0 ls2 ws0\">and managing </td><td class=\"t m0 x9c8 h5 y66f9 ff4 fs2 fc3 sc0 ls2 ws1\" colspan=\"2\">underwriting activity<span class=\"_ _3eb\"> </span></td><td class=\"c n x9c4 y66fa w520 h203\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls0 ws0\">\u2022<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c5 y66fa w531 h203\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls2 ws0\">All other<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x9c9 h9 y66fb ff1 fs2 fc3 sc0 ls2 ws1\" colspan=\"2\">portfolios<span class=\"_ _3eb\"> </span></td></tr><tr><td></td><td class=\"t m0 x9bd h5 y66fc ff4 fs2 fc3 sc0 ls2 ws1\">financial assets on </td><td class=\"c n x9c2 y66fd w51e h203\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls0 ws0\">\u2022<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c3 y66fd w532 h203\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls2 ws0\">Performance of the portfolio is<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"t m0 x9ca h9 y66fe ff1 fs2 fc3 sc0 ls2 ws0\">business lines<span class=\"_ _3eb\"> </span></td><td class=\"c n x9c6 y66ff w520 h203\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls0 ws0\">\u2022<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c7 y66ff w533 h203\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls2 ws0\">Reverse repos<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td class=\"t m0 x9bd h9 y6700 ff1 fs2 fc3 sc0 ls2 ws0\">a fair value basis<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x9c8 h9 y6701 ff1 fs2 fc3 sc0 ls2 ws0\" colspan=\"2\">evaluated on a fair value basis<span class=\"_ _3eb\"> </span></td><td></td><td></td><td class=\"c n x9c6 y6702 w520 h203\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls0 ws0\">\u2022<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c7 y6702 w534 h203\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls2 ws0\">Bond and Loan<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td></td><td class=\"c n x9c2 y6703 w51e h203\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls0 ws0\">\u2022<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c3 y6703 w535 h203\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls2 ws0\">Income streams are from fair value<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td></td><td class=\"t m0 x9c9 h5 y6704 ff4 fs2 fc3 sc0 ls2 ws1\">Syndication<span class=\"_ _3eb\"> </span></td></tr><tr><td></td><td></td><td></td><td class=\"t m0 x9c8 h9 y6705 ff1 fs2 fc3 sc0 ls2 ws0\">changes or trading gains or losses<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td></tr></table>Financial assets which have SPPI characteristics <span class=\"_ _7\"></span>and that are held within a business <span class=\"_ _7\"></span>model whose objective is to hold financial assets to collect contractual cashflows <span class=\"_ _7\"></span>(hold to collect) are recorded at amortised <span class=\"_ _7\"></span>cost. Conversely, financial assets<span class=\"_ gs36\"> </span>which have SPPI characteristics but are <span class=\"_ _7\"></span>held within a business model whose objective <span class=\"_ _7\"></span>is achieved by both collecting contractual cashflows and selling financial assets <span class=\"_ _7\"></span>(Hold to collect and sell) are classified <span class=\"_ _7\"></span>as held at FVOCI. Both hold <span class=\"_ _7\"></span>to collect and hold to collect and <span class=\"_ _7\"></span>sell business models involve holding financial assets <span class=\"_ _7\"></span>to collect the contractual cashflows. However, the business models are distinct <span class=\"_ _7\"></span>by reference to the frequency and significance <span class=\"_ _7\"></span>that asset sales play in meeting the<span class=\"_ gs36\"> </span>objective under which <span class=\"_ _7\"></span>a particular group of <span class=\"_ _1b\"></span>financial assets is managed. Hold to <span class=\"_ _7\"></span>collect business models <span class=\"_ _7\"></span>are characterised by<span class=\"_ gs36\"> </span>asset sales that are incidental to <span class=\"_ _7\"></span>meeting the objectives under which a group <span class=\"_ _7\"></span>of assets is managed. Sales of <span class=\"_ _7\"></span>assets under a<span class=\"_ gs36\"> </span>hold to collect business model can <span class=\"_ _7\"></span>be made to manage increases in the <span class=\"_ _7\"></span>credit risk of financial assets but <span class=\"_ _7\"></span>sales for other reasons should be infrequent or insignificant. <span class=\"_ _7\"></span>Cashflows from the sale of financial assets <span class=\"_ _7\"></span>under a hold to collect and <span class=\"_ _7\"></span>sell business model by contrast are integral <span class=\"_ _7\"></span>to achieving the objectives under which a <span class=\"_ _7\"></span>particular group of financial assets are managed. This may be the case <span class=\"_ _7\"></span>where frequent sales of financial assets are <span class=\"_ _7\"></span>required to manage the Group\u2019s daily <span class=\"_ _7\"></span>liquidity requirements or to meet regulatory requirements <span class=\"_ _7\"></span>to demonstrate liquidity of financial instruments. Sales <span class=\"_ _7\"></span>of assets under hold<span class=\"_ gs36\"> </span>to collect and sell business models <span class=\"_ _7\"></span>are therefore both more frequent and more <span class=\"_ _7\"></span>significant in value than those under the<span class=\"_ gs36\"> </span>hold to collect model.<span class=\"_ _3eb\"> </span>Equity instruments <span class=\"_ _7\"></span>designated as <span class=\"_ _7\"></span>held at <span class=\"_ _7\"></span>FVOCI<span class=\"_ _3eb\"> </span>Non-trading equity instruments acquired for strategic purposes rather than capital gain may be irrevocably designated at initial recognition as held at FVOCI <span class=\"_ _7\"></span>on an instrument-by-instrument basis. Dividends received are <span class=\"_ _7\"></span>recognised in profit or loss. Gains and losses arising from changes <span class=\"_ _7\"></span>in the fair value of these instruments, <span class=\"_ _7\"></span>including foreign exchange gains and losses, are<span class=\"_ gs36\"> </span>recognised directly in equity and are <span class=\"_ _7\"></span>never reclassified to profit or loss even <span class=\"_ _7\"></span>on derecognition<span class=\"_ _3eb\"> </span>.<span class=\"_ _3eb\"> </span>Mandatorily classified <span class=\"_ _7\"></span>at fair <span class=\"_ _7\"></span>value through <span class=\"_ _7\"></span>profit or <span class=\"_ _7\"></span>loss<span class=\"_ _3eb\"> </span>Financial assets and liabilities which are <span class=\"_ _7\"></span>mandatorily held at fair value through profit <span class=\"_ _7\"></span>or loss are split between two subcategories as follows:<span class=\"_ _3eb\"> </span>Trading, including:  <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">Financial assets and liabilities held for trading, which are those acquired principally <span class=\"_ _7\"></span>for the purpose of selling </span>in<span class=\"_ gs36\"> </span>the<span class=\"_ gs36\"> </span>short-term <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">Derivatives.<span class=\"_ _3eb\"> </span></span>Non-trading mandatorily at fair value through <span class=\"_ _7\"></span>profit or loss, including: <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">Instruments in a business which has a fair value business model (see <span class=\"_ _7\"></span>the Group\u2019s business model assessment) which </span>are<span class=\"_ gs36\"> </span>not trading or derivatives <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">Hybrid financial assets that contain one or more embedded derivatives</span> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">Financial assets that would otherwise be measured at amortised cost or FVOCI <span class=\"_ _7\"></span>but which do not have SPPI <span class=\"_ _7\"></span>characteristics</span> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ls2\">Equity instruments that have not been designated as held at FVOCI</span> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">Financial liabilities that constitute contingent consideration in a business combination.<span class=\"_ _3eb\"> </span></span>Designated at <span class=\"_ _7\"></span>fair value <span class=\"_ _7\"></span>through profit <span class=\"_ _7\"></span>or loss<span class=\"_ _3eb\"> </span>Financial assets and liabilities may be <span class=\"_ _7\"></span>designated at fair value through profit or <span class=\"_ _7\"></span>loss when the designation eliminates or<span class=\"_ gs36\"> </span>significantly reduces a measurement or recognition <span class=\"_ _7\"></span>inconsistency that would otherwise arise from measuring <span class=\"_ _7\"></span>assets or<span class=\"_ gs36\"> </span>liabilities on a different basis (\u2018accounting <span class=\"_ _7\"></span>mismatch\u2019).<span class=\"_ _3eb\"> </span>Financial liabilities may also be designated <span class=\"_ _7\"></span>at fair value through profit or loss <span class=\"_ _7\"></span>where they are managed on a <span class=\"_ _7\"></span>fair value basis<span class=\"_ gs36\"> </span>or have an embedded derivative where <span class=\"_ _7\"></span>the Group is not able to separately <span class=\"_ _7\"></span>value, and thus bifurcate, the embedded derivative component.<span class=\"_ _3eb\"> </span>Financial liabilities <span class=\"_ _7\"></span>held at <span class=\"_ _7\"></span>amortised cost<span class=\"_ _3eb\"> </span>Financial liabilities that are not financial <span class=\"_ _7\"></span>guarantees or loan commitments and that are <span class=\"_ _7\"></span>not classified as financial liabilities held at fair value through profit <span class=\"_ _7\"></span>or loss are classified as financial liabilities <span class=\"_ _7\"></span>held at amortised cost.<span class=\"_ _3eb\"> </span>Preference shares which carry a mandatory coupon that represents a market rate of interest at the issue date, or which are<span class=\"_ gs36\"> </span>redeemable on a specific date or <span class=\"_ _7\"></span>at the option of the shareholder are <span class=\"_ _7\"></span>classified as financial liabilities and are <span class=\"_ _7\"></span>presented in<span class=\"_ gs36\"> </span>other borrowed funds. The dividends on <span class=\"_ _7\"></span>these preference shares are recognised in the <span class=\"_ _7\"></span>income statement as interest expense on an amortised cost basis <span class=\"_ _7\"></span>using the effective interest method.<span class=\"_ _3eb\"> </span>Financial guarantee <span class=\"_ _7\"></span>contracts and <span class=\"_ _7\"></span>loan commitments<span class=\"_ _3eb\"> </span>The Group issues financial guarantee contracts <span class=\"_ _7\"></span>and loan commitments in return for fees. <span class=\"_ _7\"></span>Financial guarantee contracts and<span class=\"_ gs36\"> </span>any loan commitments issued at below-market <span class=\"_ _7\"></span>interest rates are initially recognised at their <span class=\"_ _7\"></span>fair value as a financial liability and subsequently measured at the <span class=\"_ _7\"></span>higher of the initial value less the <span class=\"_ _7\"></span>cumulative amount of income recognised in<span class=\"_ gs36\"> </span>accordance with the principles of IFRS <span class=\"_ _7\"></span>15 Revenue from Contracts with Customers and <span class=\"_ _7\"></span>their expected credit loss provision. Loan commitments may be designated at fair value through profit or loss where that is the business model under which such<span class=\"_ gs36\"> </span>contracts are held.<span class=\"_ _3eb\"> </span>Fair value <span class=\"_ _7\"></span>of financial <span class=\"_ _7\"></span>assets and <span class=\"_ _7\"></span>liabilities<span class=\"_ _3eb\"> </span>The fair value of financial instruments <span class=\"_ _7\"></span>is generally measured on the basis of <span class=\"_ _7\"></span>the individual financial instrument. However, when a group of financial assets <span class=\"_ _7\"></span>and financial liabilities is managed on the <span class=\"_ _7\"></span>basis of its net exposure to <span class=\"_ _7\"></span>either market risk or<span class=\"_ gs36\"> </span>credit risk, the fair value of <span class=\"_ _7\"></span>the group of financial instruments is measured <span class=\"_ _7\"></span>on a net basis.<span class=\"_ _3eb\"> </span>The fair values of quoted financial <span class=\"_ _7\"></span>assets and liabilities in active markets are <span class=\"_ _7\"></span>based on current prices. A market <span class=\"_ _7\"></span>is regarded as<span class=\"_ gs36\"> </span>active if transactions <span class=\"_ _7\"></span>for the asset or <span class=\"_ _1b\"></span>liability take place with sufficient frequency <span class=\"_ _7\"></span>and volume to <span class=\"_ _7\"></span>provide pricing information on an ongoing basis. If the <span class=\"_ _7\"></span>market for a financial instrument, and for <span class=\"_ _7\"></span>unlisted securities, is not active, the <span class=\"_ _7\"></span>Group establishes fair value by using valuation techniques<span class=\"_ _3eb\"> </span>.<span class=\"_ _3eb\"> </span>Initial recognition<span class=\"_ _3eb\"> </span>Regular way purchases and sales of <span class=\"_ _7\"></span>financial assets held at fair value through <span class=\"_ _7\"></span>profit or loss, and held at <span class=\"_ _7\"></span>fair value through other comprehensive income, are initially recognised <span class=\"_ _7\"></span>on the trade date (the date on <span class=\"_ _7\"></span>which the Group commits to purchase or<span class=\"_ gs36\"> </span>sell the asset). Loans and advances <span class=\"_ _7\"></span>and other financial assets held at amortised <span class=\"_ _7\"></span>cost are recognised on the settlement date (the date on which cash <span class=\"_ _7\"></span>is advanced to the borrowers).<span class=\"_ _3eb\"> </span>All financial instruments are initially recognised <span class=\"_ _7\"></span>at fair value, which is normally the <span class=\"_ _7\"></span>transaction price, plus directly attributable transaction costs for financial assets and <span class=\"_ _7\"></span>liabilities which are not subsequently measured at <span class=\"_ _7\"></span>fair value through profit or loss.<span class=\"_ _3eb\"> </span>In certain circumstances, the initial fair <span class=\"_ _7\"></span>value may be based on a valuation <span class=\"_ _7\"></span>technique which may lead to the <span class=\"_ _7\"></span>recognition of profits or losses at the time <span class=\"_ _7\"></span>of initial recognition. However, these profits or <span class=\"_ _7\"></span>losses can only be recognised when <span class=\"_ _7\"></span>the valuation technique used is based solely on <span class=\"_ _7\"></span>observable market data. In those cases where <span class=\"_ _7\"></span>the initially recognised fair value is <span class=\"_ _7\"></span>based on<span class=\"_ gs36\"> </span>a valuation model that uses unobservable <span class=\"_ _7\"></span>inputs, the difference between the transaction price <span class=\"_ _7\"></span>and the valuation model is<span class=\"_ gs36\"> </span>not recognised immediately in the income <span class=\"_ _7\"></span>statement, it will be recognised in profit <span class=\"_ _7\"></span>or loss following the passage of <span class=\"_ _7\"></span>time, or<span class=\"_ gs36\"> </span>as the inputs become observable, or <span class=\"_ _7\"></span>the transaction matures or is terminated.<span class=\"_ _3eb\"> </span>Subsequent measurement<span class=\"_ _3eb\"> </span>Financial assets <span class=\"_ _7\"></span>and financial <span class=\"_ _7\"></span>liabilities held <span class=\"_ _7\"></span>at amortised <span class=\"_ _7\"></span>cost<span class=\"_ _3eb\"> </span>Financial assets and financial liabilities held <span class=\"_ _7\"></span>at amortised cost are subsequently carried at <span class=\"_ _7\"></span>amortised cost using the effective<span class=\"_ gs36\"> </span>interest method (see \u2018Interest income and <span class=\"_ _7\"></span>expense\u2019). Foreign exchange gains and losses are <span class=\"_ _7\"></span>recognised in the income statement.<span class=\"_ _3eb\"> </span>Where a financial instrument carried at <span class=\"_ _7\"></span>amortised cost is the hedged item in <span class=\"_ _7\"></span>a qualifying fair value hedge relationship, its<span class=\"_ gs36\"> </span>carrying value is adjusted by the <span class=\"_ _7\"></span>fair value gain or loss attributable to <span class=\"_ _7\"></span>the hedged risk.<span class=\"_ _3eb\"> </span>Financial assets <span class=\"_ _7\"></span>held at <span class=\"_ _7\"></span>FVOCI<span class=\"_ _3eb\"> </span>Debt instruments held at FVOCI are <span class=\"_ _7\"></span>subsequently carried at fair value, with all <span class=\"_ _7\"></span>unrealised gains and losses arising from changes in fair value recognised in <span class=\"_ _7\"></span>other comprehensive income and accumulated in a <span class=\"_ _7\"></span>separate component of equity. Foreign exchange gains and losses on <span class=\"_ _7\"></span>the amortised cost are recognised in income. <span class=\"_ _7\"></span>Changes in expected credit losses are recognised in the profit or loss <span class=\"_ _7\"></span>and are accumulated in equity. On derecognition, <span class=\"_ _7\"></span>the cumulative fair value gains or <span class=\"_ _7\"></span>losses, net<span class=\"_ gs36\"> </span>of the cumulative expected credit loss <span class=\"_ _7\"></span>reserve, are transferred to the profit or <span class=\"_ _7\"></span>loss. Equity investments designated at FVOCI are <span class=\"_ _7\"></span>subsequently carried at fair value with all <span class=\"_ _7\"></span>unrealised gains and losses arising from changes in fair value (including <span class=\"_ _7\"></span>any related foreign exchange gains or losses) <span class=\"_ _7\"></span>recognised in other comprehensive income and accumulated in a separate <span class=\"_ _7\"></span>component of equity. On derecognition, the cumulative <span class=\"_ _7\"></span>reserve is transferred to<span class=\"_ gs36\"> </span>retained earnings and is not recycled <span class=\"_ _7\"></span>to profit or loss.<span class=\"_ _3eb\"> </span>Financial assets <span class=\"_ _7\"></span>and liabilities <span class=\"_ _7\"></span>held at <span class=\"_ _7\"></span>fair value <span class=\"_ _7\"></span>through profit <span class=\"_ _7\"></span>or loss<span class=\"_ _3eb\"> </span>Gains and losses arising from changes <span class=\"_ _7\"></span>in fair value, including contractual interest income <span class=\"_ _7\"></span>or expense, recorded in the net trading income line in the profit <span class=\"_ _7\"></span>or loss. Derecognition of <span class=\"_ _7\"></span>financial instruments<span class=\"_ _3eb\"> </span>Financial assets which are subject to <span class=\"_ _7\"></span>commercial refinancing where the loan is priced <span class=\"_ _7\"></span>to the market with no payment <span class=\"_ _7\"></span>related concessions regardless of form of legal <span class=\"_ _7\"></span>documentation or nature of lending will be <span class=\"_ _7\"></span>derecognised. Where the Group\u2019s rights to<span class=\"_ gs36\"> </span>the cash flows under the original <span class=\"_ _7\"></span>contract have expired, the old loan is <span class=\"_ _7\"></span>derecognised, and the new loan is <span class=\"_ _7\"></span>recognised at fair value. For all other modifications <span class=\"_ _7\"></span>for example forborne loans or restructuring, whether <span class=\"_ _7\"></span>or not a change in the <span class=\"_ _7\"></span>cash flows is<span class=\"_ gs36\"> </span>\u2018substantially different\u2019 is judgemental and will <span class=\"_ _7\"></span>be considered on a case-by-case basis, taking <span class=\"_ _7\"></span>into account all the relevant facts and circumstances.<span class=\"_ _3eb\"> </span>On derecognition of a financial asset, <span class=\"_ _7\"></span>the difference between the carrying amount of <span class=\"_ _7\"></span>the asset (or the carrying amount allocated to the portion of the <span class=\"_ _7\"></span>asset derecognised) and the sum of the <span class=\"_ _7\"></span>consideration received (including any new asset obtained less any new liability assumed) <span class=\"_ _7\"></span>and any cumulative gain or loss that <span class=\"_ _7\"></span>had been recognised in other comprehensive income is recognised in profit or <span class=\"_ _7\"></span>loss except for equity instruments elected FVOCI <span class=\"_ _7\"></span>(see above) and cumulative fair value adjustments attributable to the credit risk <span class=\"_ _7\"></span>of a liability that are held in <span class=\"_ _7\"></span>other comprehensive income.<span class=\"_ _3eb\"> </span>Financial liabilities are derecognised when they <span class=\"_ _7\"></span>are extinguished. A financial liability is extinguished <span class=\"_ _7\"></span>when the obligation is<span class=\"_ gs36\"> </span>discharged, cancelled or expires and this <span class=\"_ _7\"></span>is evaluated both qualitatively and quantitatively. However, where a financial liability has <span class=\"_ _7\"></span>been modified, it is derecognised if the <span class=\"_ _7\"></span>difference between the modified cash flows and the original cash flows is <span class=\"_ _7\"></span>more than 10 per cent, or if <span class=\"_ _7\"></span>less than 10 per cent, the <span class=\"_ _7\"></span>Group will perform a qualitative assessment to determine whether the terms <span class=\"_ _7\"></span>of the two instruments are substantially different. <span class=\"_ _7\"></span>If the Group purchases its own<span class=\"_ gs36\"> </span>debt, it is derecognised and the <span class=\"_ _7\"></span>difference between the carrying amount of the <span class=\"_ _7\"></span>liability and the consideration paid is<span class=\"_ gs36\"> </span>included in \u2018Other income\u2019 except for <span class=\"_ _7\"></span>the cumulative fair value adjustments attributable to <span class=\"_ _7\"></span>the credit risk of a liability <span class=\"_ _7\"></span>that are<span class=\"_ gs36\"> </span>held in Other comprehensive income, which <span class=\"_ _7\"></span>are never recycled to the profit or <span class=\"_ _7\"></span>loss.<span class=\"_ _3eb\"> </span>Modified financial <span class=\"_ _7\"></span>instruments<span class=\"_ _3eb\"> </span>Financial assets and financial liabilities whose <span class=\"_ _7\"></span>original contractual terms have been modified, including <span class=\"_ _7\"></span>those loans subject to forbearance strategies, are considered to <span class=\"_ _7\"></span>be modified instruments. Modifications may include changes <span class=\"_ _7\"></span>to the tenor, cash<span class=\"_ gs36\"> </span>flows and or interest rates among <span class=\"_ _7\"></span>other factors. Where derecognition of financial assets is <span class=\"_ _7\"></span>appropriate (see Derecognition), the newly recognised residual <span class=\"_ _7\"></span>loans are assessed to determine whether the assets should <span class=\"_ _7\"></span>be classified as purchased or originated credit-impaired <span class=\"_ _7\"></span>assets (POCI). Where derecognition is not appropriate, the gross <span class=\"_ _7\"></span>carrying amount of the applicable instruments is <span class=\"_ _7\"></span>recalculated as the present value of the renegotiated or modified <span class=\"_ _7\"></span>contractual cash flows discounted at the original <span class=\"_ _7\"></span>effective interest rate (or credit adjusted effective interest rate for POCI <span class=\"_ _7\"></span>financial assets). The difference between the recalculated values <span class=\"_ _7\"></span>and the pre-modified gross carrying values of <span class=\"_ _7\"></span>the instruments are recorded as a modification gain or loss <span class=\"_ _7\"></span>in the profit or loss. Gains and <span class=\"_ _7\"></span>losses arising from modifications for credit <span class=\"_ _7\"></span>reasons are recorded as part of \u2018Credit Impairment\u2019 (see <span class=\"_ _7\"></span>Credit Impairment policy). Modification gains and losses arising from <span class=\"_ _7\"></span>non-credit reasons are recognised either as part <span class=\"_ _7\"></span>of \u2018Credit Impairment\u2019 or within<span class=\"_ gs36\"> </span>income depending on whether there has <span class=\"_ _7\"></span>been a change in the credit risk <span class=\"_ _7\"></span>on the financial asset subsequent to <span class=\"_ _7\"></span>the modification. Modification gains and losses arising <span class=\"_ _7\"></span>on financial liabilities are recognised within income. <span class=\"_ _7\"></span>The movements in<span class=\"_ gs36\"> </span>the applicable expected credit loss loan <span class=\"_ _7\"></span>positions are disclosed in further detail in <span class=\"_ _7\"></span>Risk Review.<span class=\"_ _3eb\"> </span>The Group\u2019s classification of its financial <span class=\"_ _7\"></span>assets and liabilities is summarised in the <span class=\"_ _7\"></span>following tables.<span class=\"_ _3eb\"> </span><table class=\"s w536 h240\" id=\"_d548c618-7a25-4a3a-90f5-bd722ff9f15e\"><tr><td></td><td></td><td></td><td></td><td></td><td class=\"t m0 x9cb h14f y6706 ff5 fs64 fc0 sc0 ls50 ws5b\">Assets at fair value<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"t m0 x9cc h14f y6707 ff5 fs64 fc0 sc0 ls50 ws5b\" colspan=\"2\">Non-trading </td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"t m0 x9cd h14f y6708 ff5 fs64 fc0 sc0 ls50 ws5b\">mandatorily </td><td class=\"t m0 x9ce h14f y6708 ff5 fs64 fc0 sc0 ls50 ws5b\" colspan=\"2\">Designated </td><td class=\"c n x606 y6709 w537 h21e\"><div class=\"t m0 x1ed h14f y6611 ff5 fs64 fc0 sc0 ls50 ws5b\">Fair value</div></td><td class=\"t m0 x9cf h14f y6708 ff5 fs64 fc0 sc0 ls50 ws5b\">Total </td><td class=\"t m0 x9d0 h14f y6708 ff5 fs64 fc0 sc0 ls50 ws5b\">Assets<span class=\"_ _3eb\"> </span></td><td></td></tr><tr><td></td><td></td><td></td><td class=\"t m0 x5fd h14f y670a ff5 fs64 fc0 sc0 ls50 ws5b\">Derivatives </td><td class=\"t m0 x9cd h14f y670a ff5 fs64 fc0 sc0 ls50 ws5b\" colspan=\"2\">at fair value </td><td class=\"c x9d2 y670b w538 h21e\" colspan=\"2\"><div class=\"t m0 x1ed h14f y6611 ff5 fs64 fc0 sc0 ls50 ws5b\">at fair value<span class=\"_ _3eb\"> </span></div><div class=\"t m0 x9d1 h14f y6611 ff5 fs64 fc0 sc0 ls50 ws5b\">through other</div></td><td class=\"t m0 x9d3 h14f y670a ff5 fs64 fc0 sc0 ls50 ws5b\">financial </td><td class=\"t m0 x9d4 h14f y670a ff5 fs64 fc0 sc0 ls50 ws5b\">held at </td><td></td></tr><tr><td></td><td></td><td></td><td class=\"t m0 x8f7 h14f y670c ff5 fs64 fc0 sc0 ls50 ws5b\">held for </td><td class=\"t m0 x9cb h14f y670c ff5 fs64 fc0 sc0 ls50 ws5b\">through </td><td class=\"c n x9d5 y670d w539 h21e\"><div class=\"t m0 x1ed h14f y6611 ff5 fs64 fc0 sc0 ls50 ws5b\">through</div></td><td class=\"t m0 x9d6 h14f y670c ff5 fs64 fc0 sc0 ls50 ws5b\">comprehensive </td><td class=\"t m0 x9d3 h14f y670c ff2 fs64 fc0 sc0 ls50 ws0\">assets at </td><td class=\"t m0 x9d7 h14f y670c ff5 fs64 fc0 sc0 ls50 ws5b\">amortised </td><td></td></tr><tr><td></td><td></td><td class=\"t m0 x536 h14f y670e ff5 fs64 fc0 sc0 ls50 ws5b\">Trading<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x403 h14f y670e ff5 fs64 fc0 sc0 ls50 ws5b\">hedging<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x9cd h14f y670e ff5 fs64 fc0 sc0 ls50 ws5b\">profit<span class=\"_ gs3f9\"> </span>or loss<span class=\"_ _3eb\"> </span></td><td class=\"c n x9d2 y670f w53a h21e\"><div class=\"t m0 x1ed h14f y6611 ff5 fs64 fc0 sc0 ls50 ws5b\">profit<span class=\"_ gs3f9\"> </span>or loss</div></td><td class=\"t m0 x544 h14f y670e ff5 fs64 fc0 sc0 ls50 ws5b\">income<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x9d8 h14f y670e ff5 fs64 fc0 sc0 ls50 ws5b\">fair<span class=\"_ gs3f9\"> </span>value<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x9d9 h14f y670e ff2 fs64 fc0 sc0 ls50 ws5b\">cost<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x53d h14f y670e ff5 fs64 fc0 sc0 ls50 ws5b\">Total<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c n x1ee y6710 w53b h209\"><div class=\"t m0 x1ed h151 y6597 ff1 fs64 fc3 sc0 ls50 ws5b\">Assets<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9da y6710 w53c h209\"><div class=\"t m0 x1ed h151 y6597 ff1 fs64 fc3 sc0 ls50 ws5b\">Notes</div></td><td class=\"t m0 x536 h14f y6711 ff5 fs64 fc0 sc0 ls50 ws5b\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x8f7 h14f y6711 ff5 fs64 fc0 sc0 ls50 ws5b\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x9cb h14f y6711 ff5 fs64 fc0 sc0 ls50 ws5b\">$million<span class=\"_ _3eb\"> </span></td><td class=\"c n x9d5 y6712 w53d h21e\"><div class=\"t m0 x1ed h14f y6611 ff5 fs64 fc0 sc0 ls50 ws5b\">$million</div></td><td class=\"t m0 x544 h14f y6711 ff5 fs64 fc0 sc0 ls50 ws5b\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x545 h14f y6711 ff5 fs64 fc0 sc0 ls50 ws5b\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x546 h14f y6711 ff5 fs64 fc0 sc0 ls50 ws5b\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x547 h14f y6711 ff5 fs64 fc0 sc0 ls50 ws5b\">$million<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c x1ee y6713 w53e h241\"><div class=\"t m0 x1ed hba y65a9 ff1 fs7 fc3 sc0 ls7 ws0\">Cash and balances at central banks</div><div class=\"t m0 x9db hd1 y65aa ff1 fs61 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n x9dc y6714 w14d h20c\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9dd y6714 w14d h20c\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9de y6714 w14e h20c\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9df y6714 w14f h20c\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9e0 y6714 w14d h20c\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9e1 y6714 w14f h20c\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9e2 y6714 w53f h20c\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">77,746<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9e3 y6714 w53f h20c\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">77,746<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y6717 w540 h242\"><div class=\"t m0 x1ed h13 y6715 ff5 fs7 fc3 sc0 ls7 ws7\">Financial assets held at fair value through profit <span class=\"_ _7\"></span>or<span class=\"_ _3eb\"> </span></div><div class=\"t m0 x1ed h13 y6716 ff5 fs7 fc3 sc0 ls7 ws7\">loss<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x40b y6718 w541 h241\"><div class=\"t m0 x1ed hba y65a9 ff1 fs7 fc3 sc0 ls7 ws0\">Loans and advances to banks</div><div class=\"t m0 x9e4 hd1 y65aa ff1 fs61 fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n x9e5 y6719 w542 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">2,984<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9e6 y6719 w14e h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9e7 y6719 w14e h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9e8 y6719 w14f h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9e9 y6719 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9ea y6719 w542 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">2,984<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9eb y6719 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9ec y6719 w542 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">2,984<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x40b y671a w543 h241\"><div class=\"t m0 x1ed hba y65a9 ff1 fs7 fc3 sc0 ls7 ws0\">Loans and advances to customers</div><div class=\"t m0 x9ed hd1 y65aa ff1 fs61 fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n x9e5 y671b w544 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">12,152<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9ee y671b w14e h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9ef y671b w545 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">203<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9f0 y671b w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9f1 y671b w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9f2 y671b w546 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">12,355<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9f3 y671b w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9f4 y671b w546 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">12,355<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x40a hb y671c ff4 fs7 fc3 sc0 ls7 ws7\">Reverse repurchase agreements and other similar </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x40b y671d w547 h20d\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws0\">secured lending<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9f5 y671d w1ac h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">16<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9f6 y671d w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9f7 y671d w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9f8 y671d w548 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">84,130<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9f9 y671d w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9fa y671d w14f h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9fb y671d w549 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">84,130<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9fc y671d w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9fd y671d w54a h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">84,130<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x40b y671f w54b h243\"><div class=\"t m0 x1ed hb y671e ff4 fs7 fc3 sc0 ls7 ws7\">Debt securities, alternative tier one and other<span class=\"_ _3eb\"> </span></div><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">eligible bills<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n x9fe y671f w54c h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">86,531<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9ff y671f w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa00 y671f w54d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">130<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa01 y671f w54e h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">43<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa02 y671f w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa03 y671f w54f h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">86,704<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa04 y671f w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa05 y671f w54f h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">86,704<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x40b y6720 w550 h20d\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws0\">Equity shares<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n xa06 y6720 w551 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">8,946<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa07 y6720 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa08 y6720 w552 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">138<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa09 y6720 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa0a y6720 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa0b y6720 w553 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">9,084<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa0c y6720 w14f h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa0d y6720 w553 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">9,084<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td></td><td class=\"c n xa0e y6721 w77 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">110,613<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa0f y6721 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa10 y6721 w554 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">84,601<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa11 y6721 w54e h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">43<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa12 y6721 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa13 y6721 w555 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">195,257<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa14 y6721 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa15 y6721 w555 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">195,257<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6722 w556 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">Derivative financial instruments<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa16 y6722 w557 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">14<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa17 y6722 w558 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">64,023<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa18 y6722 w559 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">1,759<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa19 y6722 w14e h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa1a y6722 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa1b y6722 w14f h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa1c y6722 w55a h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">65,782<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa1d y6722 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa1e y6722 w55a h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">65,782<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y6723 w55b h241\"><div class=\"t m0 x1ed hba y65a9 ff1 fs7 fc3 sc0 ls7 ws0\">Loans and advances to banks</div><div class=\"t m0 xa1f hd1 y65aa ff1 fs61 fc3 sc0 ls44 ws49\">2,3<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa20 y6724 w55c h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">15<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa21 y6724 w14e h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa22 y6724 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa23 y6724 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa24 y6724 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa25 y6724 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa26 y6724 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa27 y6724 w55d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">43,901<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa28 y6724 w55d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">43,901<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x40b y6725 w55e h243\"><div class=\"t m0 x1ed hb y671e ff4 fs7 fc3 sc0 ls7 ws7\">Of which \u2013 reverse repurchase agreements and<span class=\"_ _3eb\"> </span></div><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">other similar secured lending<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa29 y6725 w1ac h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">16<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa2a y6725 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa2b y6725 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa2c y6725 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa2d y6725 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa2e y6725 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa2f y6725 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa30 y6725 w55f h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">3,724<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa31 y6725 w55f h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">3,724<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y6726 w560 h241\"><div class=\"t m0 x1ed hba y65a9 ff1 fs7 fc3 sc0 ls7 ws0\">Loans and advances to customers</div><div class=\"t m0 xa32 hd1 y65aa ff1 fs61 fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa20 y6727 w55c h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">15<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa21 y6727 w14e h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa22 y6727 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa23 y6727 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa24 y6727 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa25 y6727 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa26 y6727 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa33 y6727 w2e5 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">286,788<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa34 y6727 w2e5 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">286,788<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x40b y6728 w55e h243\"><div class=\"t m0 x1ed hb y671e ff4 fs7 fc3 sc0 ls7 ws7\">Of which \u2013 reverse repurchase agreements and<span class=\"_ _3eb\"> </span></div><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">other similar secured lending<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa29 y6728 w1ac h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">16<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa2a y6728 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa2b y6728 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa2c y6728 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa2d y6728 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa2e y6728 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa2f y6728 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa35 y6728 w561 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">8,242<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa36 y6728 w562 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">8,242<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x221 h13 y6729 ff5 fs7 fc3 sc0 ls7 ws7\">Investment securities<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x40b y672a w54b h243\"><div class=\"t m0 x1ed hb y671e ff4 fs7 fc3 sc0 ls7 ws7\">Debt securities, alternative tier one and other<span class=\"_ _3eb\"> </span></div><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">eligible bills<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n xa37 y672a w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa38 y672a w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa39 y672a w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa3a y672a w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa3b y672a w563 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">108,503<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa3c y672a w564 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">108,503<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa3d y672a w565 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">57,250<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa3e y672a w566 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">165,753<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x40b y672b w550 h212\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws0\">Equity shares<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n xa3f y672b w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa40 y672b w14e h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa41 y672b w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa42 y672b w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa43 y672b w567 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">1,203<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa44 y672b w567 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">1,203<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa45 y672b w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa46 y672b w16e h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">1,203<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td></td><td class=\"c n x9dc y672c w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9dd y672c w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9de y672c w14e h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9df y672c w14f h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa47 y672c w568 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">109,706<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa48 y672c w568 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">109,706<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa49 y672c w569 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">57,250<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa4a y672c w56a h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">166,956<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y672d w56b h212\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws0\">Other assets<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa4b y672d w56c h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">20<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td></td><td></td><td class=\"c n xa4c y672d w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa4d y672d w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa4e y672d w56d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">36,770<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa4f y672d w56d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">36,770<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y672e w56e h212\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws0\">Assets held for sale<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa50 y672e w18a h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">21<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa51 y672e w14e h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa52 y672e w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa53 y672e w14e h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa54 y672e w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa55 y672e w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa56 y672e w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa57 y672e w56f h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">1,042<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa58 y672e w56f h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">1,042<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y672f w570 h20b\"><div class=\"t m0 x1ed hb2 y65af ff5 fs7 fc3 sc0 ls7 ws7\">Total at 31 December 2025<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n xa59 y672f w571 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">174,636<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa5a y672f w572 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">1,759<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa5b y672f w554 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">84,601<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa5c y672f w573 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">43<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa5d y672f w574 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">109,706<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa5e y672f w575 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">370,745<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa5f y672f w576 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">503,497<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa60 y672f w577 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">874,242<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y6730 w53e h244\"><div class=\"t m0 x1ed hba y65a9 ff1 fs7 fc3 sc0 ls7 ws0\">Cash and balances at central banks</div><div class=\"t m0 x9db hd1 y65be ff1 fs61 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"c n x7b2 y6731 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa61 y6731 w578 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">63,447<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa62 y6731 w579 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">63,447<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x221 hb y6732 ff4 fs7 fc3 sc0 ls7 ws7\">Financial assets held at fair value through profit <span class=\"_ _7\"></span>or loss<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x40b y6733 w541 h241\"><div class=\"t m0 x1ed hba y65a9 ff1 fs7 fc3 sc0 ls7 ws0\">Loans and advances to banks</div><div class=\"t m0 x9e4 hd1 y65aa ff1 fs61 fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n xa63 y6734 w57a h212\"><div class=\"t m0 x1ed hb y659e ff1 fs7 fc3 sc0 ls7 ws7\">2,213<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa64 y6734 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa65 y6734 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa66 y6734 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa67 y6734 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa68 y6734 w57a h212\"><div class=\"t m0 x1ed hb y659e ff1 fs7 fc3 sc0 ls7 ws7\">2,213<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa69 y6734 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa6a y6734 w57b h212\"><div class=\"t m0 x1ed hb y659e ff1 fs7 fc3 sc0 ls7 ws7\">2,213<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x40b y6735 w543 h241\"><div class=\"t m0 x1ed hba y65a9 ff1 fs7 fc3 sc0 ls7 ws0\">Loans and advances to customers</div><div class=\"t m0 x9ed hd1 y65aa ff1 fs61 fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n xa6b y6736 w57c h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">6,912<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa6c y6736 w14e h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa6d y6736 w57d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">172<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa6e y6736 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa6f y6736 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa70 y6736 w57e h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">7,084<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa71 y6736 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa72 y6736 w57e h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">7,084<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x40a hb y6737 ff4 fs7 fc3 sc0 ls7 ws7\">Reverse repurchase agreements and other similar </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x40b y6738 w547 h212\"><div class=\"t m0 x1ed hb y659e ff1 fs7 fc3 sc0 ls7 ws0\">secured lending<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa73 y6738 w145 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">16<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa74 y6738 w57f h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">336<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa75 y6738 w14e h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa76 y6738 w580 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">85,859<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa77 y6738 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa78 y6738 w14f h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa79 y6738 w581 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">86,195<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa7a y6738 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa7b y6738 w582 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">86,195<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x40b y6739 w54b h20f\"><div class=\"t m0 x1ed hb y65a2 ff4 fs7 fc3 sc0 ls7 ws7\">Debt securities, alternative tier one and other<span class=\"_ _3eb\"> </span></div><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">eligible bills<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n xa7c y6739 w583 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">76,329<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa2b y6739 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa7d y6739 w584 h212\"><div class=\"t m0 x1ed hb y659e ff1 fs7 fc3 sc0 ls7 ws7\">140<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa7e y6739 w585 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">70<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa7f y6739 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa80 y6739 w586 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">76,539<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa81 y6739 w14f h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa82 y6739 w586 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">76,539<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x40b y673a w550 h212\"><div class=\"t m0 x1ed hb y659e ff1 fs7 fc3 sc0 ls7 ws0\">Equity shares<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n xa83 y673a w587 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">5,285<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa84 y673a w14e h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa85 y673a w171 h212\"><div class=\"t m0 x1ed hb y659e ff1 fs7 fc3 sc0 ls7 ws7\">201<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa42 y673a w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa86 y673a w14f h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa87 y673a w588 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">5,486<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa88 y673a w14f h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa89 y673a w588 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">5,486<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td></td><td class=\"c n x527 y673b w589 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">91,075<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa8a y673b w14e h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa8b y673b w58a h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">86,372<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa8c y673b w58b h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">70<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa8d y673b w14f h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa8e y673b w58c h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">177,517<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa8f y673b w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa90 y673b w58c h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">177,517<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y673c w556 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">Derivative financial instruments<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa91 y673c w58d h212\"><div class=\"t m0 x1ed hb y659e ff1 fs7 fc3 sc0 ls7 ws7\">14<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa92 y673c w58e h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">78,906<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa93 y673c w58f h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">2,566<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa94 y673c w14e h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa95 y673c w14f h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa96 y673c w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa97 y673c w32d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">81,472<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa98 y673c w14f h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa99 y673c w32d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">81,472<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y673d w55b h244\"><div class=\"t m0 x1ed hba y65a9 ff1 fs7 fc3 sc0 ls7 ws0\">Loans and advances to banks</div><div class=\"t m0 xa1f hd1 y65be ff1 fs61 fc3 sc0 ls44 ws49\">2,3<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa20 y673e w590 h212\"><div class=\"t m0 x1ed hb y659e ff1 fs7 fc3 sc0 ls7 ws7\">15<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa9a y673e w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa9b y673e w14e h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa9c y673e w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa9d y673e w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa9e y673e w14f h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa9f y673e w14f h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xaa0 y673e w591 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">43,593<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xaa1 y673e w591 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">43,593<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x40b y673f w55e h20f\"><div class=\"t m0 x1ed hb y65a2 ff4 fs7 fc3 sc0 ls7 ws7\">Of which \u2013 reverse repurchase agreements and<span class=\"_ _3eb\"> </span></div><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">other similar secured lending<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xaa2 y673f w145 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">16<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xaa3 y673f w14e h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xaa4 y673f w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xaa5 y673f w14e h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xaa6 y673f w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xaa7 y673f w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xaa8 y673f w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xaa9 y673f w592 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">2,946<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xaaa y673f w592 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">2,946<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y6740 w560 h241\"><div class=\"t m0 x1ed hba y65a9 ff1 fs7 fc3 sc0 ls7 ws0\">Loans and advances to customers</div><div class=\"t m0 xa32 hd1 y65aa ff1 fs61 fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa20 y6741 w590 h212\"><div class=\"t m0 x1ed hb y659e ff1 fs7 fc3 sc0 ls7 ws7\">15<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa9a y6741 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa9b y6741 w14e h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa9c y6741 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa9d y6741 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa9e y6741 w14f h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa9f y6741 w14f h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xaab y6741 w593 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">281,032<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xaac y6741 w593 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">281,032<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x40b y6742 w55e h20f\"><div class=\"t m0 x1ed hb y65a2 ff4 fs7 fc3 sc0 ls7 ws7\">Of which \u2013 reverse repurchase agreements and<span class=\"_ _3eb\"> </span></div><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">other similar secured lending<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n xaad y6742 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xaae y6742 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xaaf y6742 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xab0 y6742 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xab1 y6742 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xab2 y6742 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xab3 y6742 w594 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">9,660<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xab4 y6742 w595 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">9,660<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x221 hb y6743 ff4 fs7 fc3 sc0 ls7 ws7\">Investment securities<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x40b y6745 w54b h242\"><div class=\"t m0 x1ed hb y6744 ff4 fs7 fc3 sc0 ls7 ws7\">Debt securities, alternative tier one and other<span class=\"_ _3eb\"> </span></div><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">eligible bills<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n xa37 y6745 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa38 y6745 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa39 y6745 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa3a y6745 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xab5 y6745 w596 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">88,425<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xab6 y6745 w597 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">88,425<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xab7 y6745 w598 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">55,137<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xab8 y6745 w599 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">143,562<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x40b y6746 w550 h212\"><div class=\"t m0 x1ed hb y659e ff1 fs7 fc3 sc0 ls7 ws0\">Equity shares<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n xa3f y6746 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa40 y6746 w14e h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa41 y6746 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa42 y6746 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x45e y6746 w59a h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">994<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xab9 y6746 w59a h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">994<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa88 y6746 w14f h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xaba y6746 w59b h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">994<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td></td><td class=\"c n x9dc y6747 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9dd y6747 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9de y6747 w14e h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9df y6747 w14f h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xabb y6747 w2a9 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">89,419<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xabc y6747 w2a9 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">89,419<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xabd y6747 w598 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">55,137<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xabe y6747 w59c h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">144,556<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6748 w56b h212\"><div class=\"t m0 x1ed hb y659e ff1 fs7 fc3 sc0 ls7 ws0\">Other assets<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xabf y6748 w59d h212\"><div class=\"t m0 x1ed hb y659e ff1 fs7 fc3 sc0 ls7 ws7\">20<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td></td><td></td><td class=\"c n xac0 y6748 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xac1 y6748 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xac2 y6748 w59e h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">34,585<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xac3 y6748 w59e h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">34,585<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6749 w56e h212\"><div class=\"t m0 x1ed hb y659e ff1 fs7 fc3 sc0 ls7 ws0\">Assets held for sale<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xac4 y6749 w59f h212\"><div class=\"t m0 x1ed hb y659e ff1 fs7 fc3 sc0 ls7 ws7\">21<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xac5 y6749 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xac6 y6749 w14e h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xac7 y6749 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xac8 y6749 w5a0 h212\"><div class=\"t m0 x1ed hb y659e ff1 fs7 fc3 sc0 ls0 ws0\">5<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xac9 y6749 w14f h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xaca y6749 w5a0 h212\"><div class=\"t m0 x1ed hb y659e ff1 fs7 fc3 sc0 ls0 ws0\">5<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xacb y6749 w5a1 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">884<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xacc y6749 w5a2 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">889<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y674a w5a3 h20b\"><div class=\"t m0 x1ed hb y659e ff5 fs7 fc3 sc0 ls7 ws7\">Total at 31 December 2024<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n xacd y674a w5a4 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">169,981<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xace y674a w5a5 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">2,566<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xacf y674a w5a6 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">86,372<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xad0 y674a w5a7 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">75<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xad1 y674a w2a9 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">89,419<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xad2 y674a w5a8 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">348,413<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xad3 y674a w5a9 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">478,678<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xad4 y674a w5aa h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">827,091<span class=\"_ _3eb\"> </span></div></td></tr></table>1 <span class=\"_ _b\"> </span><span class=\"ff4\">Comprises cash held at central banks in restricted accounts of $11,630 million (31 <span class=\"_ _7\"></span>December 2024: $7,799 million), or on demand, or <span class=\"_ _7\"></span>placements which are </span>contractually due to mature over-night only. Other placements <span class=\"_ _7\"></span>with central banks are reported as part of <span class=\"_ _7\"></span>Loans and advances to customers.<span class=\"_ _3eb\"> </span>2 <span class=\"_ _f\"> </span><span class=\"ff4\">Further analysed in Risk review and Capital review (pages 218 to 308).<span class=\"_ _3eb\"> </span></span>3 <span class=\"_ _f\"> </span><span class=\"ff4\">Loans and advances to banks includes amounts due on demand from banks and <span class=\"_ _7\"></span>other central banks.<span class=\"_ _3eb\"> </span></span><table class=\"s w5ab h245\" id=\"_87ab3af1-7f66-4a57-bb11-bedba7bc1241\"><tr><td></td><td></td><td></td><td></td><td class=\"t m0 xad5 h38 y674b ff5 fs17 fc0 sc0 ls21 ws20\">Liabilities at fair value<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"t m0 x2d3 h38 y674c ff5 fs17 fc0 sc0 ls21 ws20\">Designated at fair </td><td class=\"t m0 xad6 h38 y674c ff5 fs17 fc0 sc0 ls21 ws20\">Total financial </td><td></td><td></td></tr><tr><td></td><td></td><td></td><td class=\"t m0 x2d8 h38 y674d ff5 fs17 fc0 sc0 ls21 ws20\">Derivatives held </td><td class=\"t m0 xad7 h38 y674d ff5 fs17 fc0 sc0 ls21 ws20\">value through </td><td class=\"t m0 xad8 h38 y674d ff5 fs17 fc0 sc0 ls21 ws20\">liabilities at fair </td><td class=\"t m0 xad9 h38 y674d ff5 fs17 fc0 sc0 ls21 ws20\">Amortised<span class=\"_ _3eb\"> </span></td><td></td></tr><tr><td></td><td></td><td class=\"t m0 xada h38 y674e ff5 fs17 fc0 sc0 ls21 ws20\">Trading<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xadb h38 y674e ff5 fs17 fc0 sc0 ls21 ws20\">for hedging<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xadc h38 y674e ff5 fs17 fc0 sc0 ls21 ws20\">profit or loss<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xadd h38 y674e ff5 fs17 fc0 sc0 ls21 ws20\">value<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xade h38 y674e ff2 fs17 fc0 sc0 ls21 ws20\">cost<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x96f h38 y674e ff5 fs17 fc0 sc0 ls21 ws20\">Total<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c n x1ee y674f w5ac h215\"><div class=\"t m0 x1ed h2c y65c7 ff4 fs17 fc3 sc0 ls21 ws20\">Liabilities<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xadf y674f w5ad h205\"><div class=\"t m0 x1ed h2c y65c7 ff1 fs17 fc3 sc0 ls21 ws20\">Notes<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x2f7 h38 y6750 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x2c9 h38 y6750 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x4be h38 y6750 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x2fa h38 y6750 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x233 h38 y6750 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x4c2 h38 y6750 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c x1ee y6752 w5ae h246\"><div class=\"t m0 x1ed h1a y6751 ff4 fs5 fc3 sc0 ls5 ws5\">Financial liabilities held at<span class=\"_ gs1a1\"> </span>fair<span class=\"_ _3eb\"> </span></div><div class=\"t m0 x1ed h3b y6600 ff1 fs5 fc3 sc0 ls5 ws0\">value through profit or loss<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x236 y6753 wf2 h1fe\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Deposits by banks<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n xae0 y6753 w2bc h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xae1 y6753 w2bc h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xae2 y6753 w4a1 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">2,328<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xae3 y6753 w4a1 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">2,328<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xae4 y6753 w1cf h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xae5 y6753 w4a1 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">2,328<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x236 y6754 wf5 h1fe\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Customer accounts<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n xae6 y6754 w2bc h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xae7 y6754 w2bc h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xae8 y6754 w5af h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">19,414<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xae9 y6754 w5b0 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">19,414<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xaea y6754 w1d4 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xaeb y6754 w5af h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">19,414<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x236 y6755 w5b1 h247\"><div class=\"t m0 x1ed h3b y65dd ff1 fs5 fc3 sc0 ls5 ws0\">Repurchase agreements and<span class=\"_ _3eb\"> </span></div><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">other similar secured<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x236 y6756 w5b2 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">borrowing<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xaec y6756 w473 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">16<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xaed y6756 w2bc h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xaee y6756 w2bc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xaef y6756 w5b3 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">36,307<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xaf0 y6756 w5b3 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">36,307<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xaf1 y6756 w1cf h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xaf2 y6756 w5b3 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">36,307<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x236 y6757 w101 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">Debt securities in issue<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xaf3 y6757 wac h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">22<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xaf4 y6757 w2bc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xaf5 y6757 w2bc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xaf6 y6757 w5b4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">16,009<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xaf7 y6757 w5b4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">16,009<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xaf8 y6757 w1cf h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xaf9 y6757 w5b4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">16,009<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x236 y6758 w5b5 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">Short positions<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n xafa y6758 w5b6 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">15,539<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xafb y6758 w2bc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xafc y6758 w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xafd y6758 w5b6 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">15,539<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xafe y6758 w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xaff y6758 w5b7 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">15,539<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td></td><td class=\"c n xb00 y6759 w5b6 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">15,539<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb01 y6759 w2bc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb02 y6759 w5b8 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">74,058<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb03 y6759 wfd h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">89,597<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb04 y6759 w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb05 y6759 wfd h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">89,597<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y675a wc5 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">Derivative financial instruments<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb06 y675a w5b9 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">14<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb07 y675a w5ba h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">67,046<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb08 y675a w5bb h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">1,158<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb09 y675a w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb0a y675a w254 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">68,204<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb0b y675a w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb0c y675a w254 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">68,204<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y675b wf2 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Deposits by banks<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n xb0d y675b w2bc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb0e y675b w2bc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb0f y675b w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb10 y675b w1cf h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb11 y675b w5bc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">30,846<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb12 y675b wf3 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">30,846<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y675c wf5 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Customer accounts<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n xb13 y675c w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb14 y675c w2bc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb15 y675c w1cf h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb16 y675c w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb17 y675c w5bd h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">530,161<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x274 y675c w5bd h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">530,161<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y675d w5be h219\"><div class=\"t m0 x1ed h3b y65db ff1 fs5 fc3 sc0 ls5 ws0\">Repurchase agreements and<span class=\"_ _3eb\"> </span></div><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">other similar secured borrowing<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb18 y675d w473 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">16<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb19 y675d w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb1a y675d w2bc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb1b y675d w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb1c y675d w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb1d y675d w5bf h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">7,757<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb1e y675d wfa h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">7,757<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y675e w101 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">Debt securities in issue<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb1f y675e wac h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">22<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb20 y675e w2bc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb21 y675e w2bc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb22 y675e w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb23 y675e w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb24 y675e w103 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">72,858<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb25 y675e w103 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">72,858<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y675f w105 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">Other liabilities<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb26 y675f w1e6 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">23<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb27 y675f w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb28 y675f w2bc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb29 y675f w1cf h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb2a y675f w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb2b y675f w5c0 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">45,788<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb2c y675f w5c0 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">45,788<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y6760 w5c1 h216\"><div class=\"t m0 x1ed h1a y65db ff4 fs5 fc3 sc0 ls5 ws5\">Subordinated liabilities and<span class=\"_ _3eb\"> </span></div><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">other borrowed funds<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb2d y6760 w5c2 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">27<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb2e y6760 w2bc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb2f y6760 w2bc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb30 y6760 w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb31 y6760 w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb32 y6760 w5c3 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">8,834<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb33 y6760 w110 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">8,834<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x235 h1a y6761 ff4 fs5 fc3 sc0 ls5 ws5\">Liabilities included in disposal </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y6762 w5c4 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">groups held for sale<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb34 y6762 w74 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">21<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb35 y6762 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb36 y6762 w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb37 y6762 w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb38 y6762 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb39 y6762 w5c5 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">908<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb3a y6762 w5c6 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">908<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6763 w5c7 h203\"><div class=\"t m0 x1ed h3d y655f ff5 fs5 fc3 sc0 ls5 ws5\">Total at 31 December 2025<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n xb3b y6763 w5c8 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">82,585<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb3c y6763 w5c9 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">1,158<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb3d y6763 w5ca h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">74,058<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb3e y6763 w2f9 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">157,801<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb3f y6763 w5cb h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">697,152<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb40 y6763 w5cc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">854,953<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y6764 w5ae h246\"><div class=\"t m0 x1ed h1a y6751 ff4 fs5 fc3 sc0 ls5 ws5\">Financial liabilities held at<span class=\"_ gs1a1\"> </span>fair<span class=\"_ _3eb\"> </span></div><div class=\"t m0 x1ed h3b y6600 ff1 fs5 fc3 sc0 ls5 ws0\">value through profit or loss<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x236 y6765 wf2 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Deposits by banks<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n xae0 y6765 w2bc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xae1 y6765 w2bc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb41 y6765 w5cd h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">1,893<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb42 y6765 w329 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">1,893<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb43 y6765 w1cf h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb44 y6765 w329 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">1,893<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x236 y6766 wf5 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Customer accounts<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n xae6 y6766 w2bc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xae7 y6766 w2bc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb45 y6766 w5ce h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">21,772<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb46 y6766 w5ce h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">21,772<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb47 y6766 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb48 y6766 w5ce h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">21,772<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x236 y6767 w5b1 h221\"><div class=\"t m0 x1ed h3b y65dd ff1 fs5 fc3 sc0 ls5 ws0\">Repurchase agreements and<span class=\"_ _3eb\"> </span></div><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">other similar secured<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x236 y6768 w5b2 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">borrowing<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb49 y6768 w2b4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">16<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb4a y6768 w5cf h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">925<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb4b y6768 w2bc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb4c y6768 w5d0 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">32,614<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb4d y6768 w5d1 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">33,539<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb4e y6768 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb4f y6768 w5d1 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">33,539<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x236 y6769 w101 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Debt securities in issue<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb50 y6769 w5d2 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">22<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb51 y6769 w41a h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb52 y6769 w2bc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb53 y6769 w5d3 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">13,730<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb54 y6769 w5d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">13,731<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb55 y6769 w1cf h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb56 y6769 w5d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">13,731<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x236 y676a w5b5 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Short positions<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n xb57 y676a w5d5 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">14,527<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb52 y676a w2bc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb58 y676a w1cf h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb59 y676a w5d6 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">14,527<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb5a y676a w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb5b y676a w5d7 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">14,527<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td></td><td class=\"c n xb5c y676b w26b h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">15,453<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb5d y676b w2bc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb5e y676b w2a3 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">70,009<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb5f y676b wfe h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">85,462<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb60 y676b w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb61 y676b wfe h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">85,462<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y676c wc5 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Derivative financial instruments<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb62 y676c w5d8 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">14<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb63 y676c w5d9 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">80,037<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb64 y676c w27e h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">2,027<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb65 y676c w1cf h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb66 y676c w100 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">82,064<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb67 y676c w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb68 y676c w100 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">82,064<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y676d wf2 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Deposits by banks<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n xb0d y676d w2bc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb0e y676d w2bc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb0f y676d w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb10 y676d w1cf h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb69 y676d wf4 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">25,400<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb6a y676d w5da h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">25,400<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y676e wf5 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Customer accounts<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n xb13 y676e w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb14 y676e w2bc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb15 y676e w1cf h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb16 y676e w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb6b y676e wf7 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">464,489<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb6c y676e wf7 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">464,489<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y676f w5be h221\"><div class=\"t m0 x1ed h3b y65dd ff1 fs5 fc3 sc0 ls5 ws0\">Repurchase agreements and<span class=\"_ _3eb\"> </span></div><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">other similar secured borrowing<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb6d y676f w2b4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">16<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb6e y676f w2bc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb6f y676f w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb70 y676f w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb71 y676f w1cf h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb72 y676f w5db h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">12,132<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb73 y676f w5db h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">12,132<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6770 w101 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Debt securities in issue<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb74 y6770 w5d2 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">22<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb75 y6770 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb76 y6770 w2bc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb77 y6770 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb78 y6770 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb79 y6770 w104 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">64,609<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb7a y6770 w104 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">64,609<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6771 w105 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Other liabilities<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb7b y6771 w1ec h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">23<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb7c y6771 w2bc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb7d y6771 w2bc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb7e y6771 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb7f y6771 w1cf h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb80 y6771 w5dc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">44,047<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb81 y6771 w5dc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">44,047<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y6772 w5c1 h217\"><div class=\"t m0 x1ed h1a y65dd ff4 fs5 fc3 sc0 ls5 ws5\">Subordinated liabilities and<span class=\"_ _3eb\"> </span></div><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">other borrowed funds<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb82 y6772 w3ab h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">27<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb83 y6772 w2bc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb84 y6772 w2bc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb85 y6772 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb86 y6772 w1cf h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb87 y6772 w5dd h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">10,382<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb88 y6772 w5dd h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">10,382<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x235 h1a y6773 ff4 fs5 fc3 sc0 ls5 ws5\">Liabilities included in disposal </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y6774 w5c4 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">groups held for sale<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb89 y6774 w1e8 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">21<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb8a y6774 w2bc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb8b y6774 w2bc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb8c y6774 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb8d y6774 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb8e y6774 w5de h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">360<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb8f y6774 w5de h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">360<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6775 w5df h203\"><div class=\"t m0 x1ed h1a y65de ff5 fs5 fc3 sc0 ls5 ws5\">Total at 31 December 2024<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n xb90 y6775 w5e0 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">95,490<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb91 y6775 w27e h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">2,027<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb92 y6775 w2a3 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">70,009<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb93 y6775 w5e1 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">167,526<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb94 y6775 w5e2 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">621,419<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb95 y6775 w5e3 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">788,945<span class=\"_ _3eb\"> </span></div></td></tr></table>Offsetting of financial <span class=\"_ _7\"></span>instruments<span class=\"_ _3eb\"> </span>Financial assets and liabilities are offset <span class=\"_ _7\"></span>and the net amount reported in the <span class=\"_ _7\"></span>balance sheet when there is a <span class=\"_ _7\"></span>legally enforceable right to offset the recognised amounts <span class=\"_ _7\"></span>and there is an intention to settle <span class=\"_ _7\"></span>on a net basis, or to <span class=\"_ _7\"></span>realise the asset and settle the liability simultaneously. In practice, for credit mitigation, the <span class=\"_ _7\"></span>Group is able to offset assets and <span class=\"_ _7\"></span>liabilities which do not meet the <span class=\"_ _7\"></span>IAS 32 netting criteria set out below. Such arrangements include master <span class=\"_ _7\"></span>netting arrangements for derivatives and global master <span class=\"_ _7\"></span>repurchase agreements for repurchase and reverse repurchase transactions. <span class=\"_ _7\"></span>These agreements generally allow that all outstanding <span class=\"_ _7\"></span>transactions with a<span class=\"_ gs36\"> </span>particular counterparty can be offset but <span class=\"_ _7\"></span>only in the event of default or <span class=\"_ _7\"></span>other predetermined events. In addition, the Group also receives <span class=\"_ _7\"></span>and pledges readily realisable collateral for derivative <span class=\"_ _7\"></span>transactions to cover net exposure in<span class=\"_ gs36\"> </span>the event of a default. Under <span class=\"_ _7\"></span>repurchase and reverse repurchase agreements the Group <span class=\"_ _7\"></span>pledges (legally sells) and obtains (legally purchases) respectively, highly liquid assets <span class=\"_ _7\"></span>which can be sold in the event <span class=\"_ _7\"></span>of a default. The following tables set out the <span class=\"_ _7\"></span>impact of netting on the balance sheet. <span class=\"_ _7\"></span>This comprises derivative transactions settled through an enforceable netting agreement where we <span class=\"_ _7\"></span>have the intent and ability to settle <span class=\"_ _7\"></span>net and which are offset on <span class=\"_ _7\"></span>the balance sheet.<span class=\"_ _3eb\"> </span><table class=\"s w5e4 h248\" id=\"_d2120341-3e0d-4ea0-a366-d4849f0460d8\"><tr><td></td><td></td><td></td><td class=\"t m0 x9cb h38 y6776 ff5 fs17 fc0 sc0 ls21 ws20\">Net amounts </td><td class=\"t m0 xb96 h38 y6776 ff5 fs17 fc0 sc0 ls21 ws20\">Related amount not offset </td><td></td><td></td></tr><tr><td></td><td class=\"t m0 x5f9 h38 y6777 ff5 fs17 fc0 sc0 ls21 ws20\">Gross amounts </td><td></td><td class=\"t m0 x602 h38 y6777 ff5 fs17 fc0 sc0 ls21 ws20\">of<span class=\"_ gs40f\"> </span>financial </td><td class=\"t m0 x5fb h38 y6777 ff5 fs17 fc0 sc0 ls21 ws20\" colspan=\"2\">in<span class=\"_ gs40f\"> </span>the<span class=\"_ gs40f\"> </span>balance sheet<span class=\"_ _3eb\"> </span></td><td></td></tr><tr><td></td><td class=\"t m0 xb97 h38 y6778 ff5 fs17 fc0 sc0 ls21 ws20\">of<span class=\"_ gs40f\"> </span>recognised </td><td class=\"t m0 xb98 h38 y6778 ff5 fs17 fc0 sc0 ls21 ws20\">Impact of<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x542 h38 y6778 ff5 fs17 fc0 sc0 ls21 ws20\">instruments </td><td></td><td></td><td></td></tr><tr><td></td><td class=\"t m0 xb99 h38 y6779 ff5 fs17 fc0 sc0 ls21 ws20\">financial </td><td class=\"t m0 x8b2 h38 y6779 ff5 fs17 fc0 sc0 ls21 ws20\">offset in the </td><td class=\"t m0 x9cd h38 y6779 ff5 fs17 fc0 sc0 ls21 ws20\">presented in the </td><td class=\"t m0 x7bc h38 y6779 ff5 fs17 fc0 sc0 ls21 ws20\">Financial </td><td class=\"t m0 xb9a h38 y6779 ff5 fs17 fc0 sc0 ls21 ws20\">Financial </td><td></td></tr><tr><td></td><td class=\"t m0 xb9b h38 y677a ff5 fs17 fc0 sc0 ls21 ws20\">instruments<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xb9c h38 y677a ff5 fs17 fc0 sc0 ls21 ws20\">balance sheet<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xb9d h38 y677a ff5 fs17 fc0 sc0 ls21 ws20\">balance sheet<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xb9e h38 y677a ff5 fs17 fc0 sc0 ls21 ws20\">collateral<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xb96 h38 y677a ff5 fs17 fc0 sc0 ls21 ws20\">instruments<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xb9f h38 y677a ff5 fs17 fc0 sc0 ls21 ws20\">Net amount<span class=\"_ _3eb\"> </span></td></tr><tr><td></td><td class=\"t m0 x8f9 h38 y677b ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x8bc h38 y677b ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x404 h38 y677b ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1eb h38 y677b ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x405 h38 y677b ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1ec h38 y677b ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"t m0 x221 h8 y677c ff5 fs5 fc3 sc0 ls5 ws5\">At 31 December 2025<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y677d wc5 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">Derivative financial instruments<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xba0 y677d w5e5 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">78,518<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xba1 y677d w5e6 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(12,736)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xba2 y677d w5e7 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">65,782<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xba3 y677d w5e8 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(14,168)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xba4 y677d w5e9 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(44,712)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xba5 y677d w2e1 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">6,902<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y677e w5ea h219\"><div class=\"t m0 x1ed h3b y65db ff1 fs5 fc3 sc0 ls5 ws0\">Reverse repurchase agreements and other<span class=\"_ _3eb\"> </span></div><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">similar secured lending<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xba6 y677e w5eb h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">160,964<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xba7 y677e w5ec h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(64,868)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xba8 y677e w5ed h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">96,096<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xba9 y677e w5ee h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(96,096)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbaa y677e w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbab y677e w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y677f w5ef h203\"><div class=\"t m0 x1ed h3d y655f ff5 fs5 fc3 sc0 ls5 ws5\">Total Assets<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbac y677f w5f0 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">239,482<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbad y677f w5f1 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(77,604)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbae y677f w2fb h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">161,878<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbaf y677f w5f2 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(110,264)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbb0 y677f w5e9 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(44,712)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbb1 y677f w5f3 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">6,902<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6780 wc5 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">Derivative financial instruments<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbb2 y6780 w5f4 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">80,923<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbb3 y6780 w5f5 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(12,719)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbb4 y6780 w286 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">68,204<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbb5 y6780 w5f6 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(12,868)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbb6 y6780 w5f7 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(44,712)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbb7 y6780 w3ba h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">10,624<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x221 h1a y6781 ff4 fs5 fc3 sc0 ls5 ws5\">Repurchase agreements and other similar </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y6782 w5f8 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">secured borrowing<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbb8 y6782 w5f9 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">108,932<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbb9 y6782 w5ec h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(64,868)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbba y6782 w5fa h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">44,064<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbbb y6782 w5fb h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(44,064)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbbc y6782 w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbbd y6782 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6783 w5fc h203\"><div class=\"t m0 x1ed h3d y655f ff5 fs5 fc3 sc0 ls5 ws5\">Total Liabilities<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbbe y6783 w5fd h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">189,855<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbbf y6783 w5fe h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(77,587)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbc0 y6783 w4e4 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">112,268<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbc1 y6783 w5ff h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(56,932)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbc2 y6783 w5e9 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(44,712)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbc3 y6783 w3ba h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">10,624<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x221 h8 y6784 ff5 fs5 fc3 sc0 ls5 ws5\">At 31 December 2024<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y6785 wc5 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Derivative financial instruments<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbc4 y6785 w32f h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">97,902<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbc5 y6785 w600 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(16,430)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbc6 y6785 w601 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">81,472<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbc7 y6785 w602 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(15,005)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbc8 y6785 w603 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(60,280)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbc9 y6785 w604 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">6,187<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y65f5 w5ea h221\"><div class=\"t m0 x1ed h3b y65dd ff1 fs5 fc3 sc0 ls5 ws0\">Reverse repurchase agreements and other<span class=\"_ _3eb\"> </span></div><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">similar secured lending<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbca y65f5 w605 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">137,115<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbcb y65f5 w606 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(38,314)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbcc y65f5 w607 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">98,801<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbcd y65f5 w608 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(98,801)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbce y65f5 w1cf h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbcf y65f5 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y65f6 w5ef h203\"><div class=\"t m0 x1ed h1a y65de ff5 fs5 fc3 sc0 ls5 ws5\">Total Assets<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbd0 y65f6 w609 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">235,017<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbd1 y65f6 w60a h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(54,744)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbd2 y65f6 w60b h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">180,273<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbd3 y65f6 w60c h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(113,806)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbd4 y65f6 w60d h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(60,280)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbd5 y65f6 w60e h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">6,187<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y65f7 wc5 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Derivative financial instruments<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbd6 y65f7 w60f h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">98,494<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbd7 y65f7 w600 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(16,430)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbd8 y65f7 w610 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">82,064<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbd9 y65f7 w611 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(11,046)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbda y65f7 w603 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(60,280)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbdb y65f7 w612 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">10,738<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x221 h1a y6786 ff4 fs5 fc3 sc0 ls5 ws5\">Repurchase agreements and other similar </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y6566 w5f8 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">secured borrowing<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbdc y6566 w613 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">83,985<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbdd y6566 w606 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(38,314)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbde y6566 w614 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">45,671<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbdf y6566 w615 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(45,671)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8d8 y6566 w1cf h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbe0 y6566 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6567 w5fc h203\"><div class=\"t m0 x1ed h1a y65de ff5 fs5 fc3 sc0 ls5 ws5\">Total Liabilities<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbe1 y6567 w616 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">182,479<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbe2 y6567 w617 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(54,744)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbe3 y6567 w618 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">127,735<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbe4 y6567 w619 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(56,717)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbe5 y6567 w603 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(60,280)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbe6 y6567 w612 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">10,738<span class=\"_ _3eb\"> </span></div></td></tr></table>Related amounts not <span class=\"_ _7\"></span>offset in <span class=\"_ _7\"></span>the balance sheet <span class=\"_ _7\"></span>comprises: <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">Financial instruments not offset in the balance sheet but covered by an <span class=\"_ _7\"></span>enforceable netting arrangement. This comprises </span>master netting arrangements held against derivative <span class=\"_ _7\"></span>financial instruments and excludes the effect of <span class=\"_ _7\"></span>over-collateralisation <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">Financial instruments where a legal opinion evidencing enforceability of the right of <span class=\"_ _7\"></span>offset may not have been sought, <span class=\"_ _7\"></span>or may </span>have been unable to such opinion <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">Financial collateral comprises cash collateral pledged and received for derivative financial instruments <span class=\"_ _7\"></span>and collateral bought </span>and sold for reverse repurchase and <span class=\"_ _7\"></span>repurchase agreements respectively and excludes the effect <span class=\"_ _7\"></span>of over-collateralisation<span class=\"_ _3eb\"> </span>Financial liabilities designated <span class=\"_ _7\"></span>at fair <span class=\"_ _7\"></span>value through profit <span class=\"_ _7\"></span>or loss<span class=\"_ _3eb\"> </span><table class=\"s w61a h249\" id=\"_8335e921-f362-4a1f-a125-12897b1a57c7\"><tr><td></td><td class=\"t m0 x230 h38 y6787 ff5 fs17 fc0 sc0 ls21 ws20\">2025<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x231 h39 y6787 ff1 fs17 fc3 sc0 ls21 ws20\">2024<span class=\"_ _3eb\"> </span></td></tr><tr><td></td><td class=\"t m0 x233 h38 y6788 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x234 h2c y6788 ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c n x1ee y6610 w61b h1fe\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Carrying Balance aggregate fair value<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbe7 y6610 w5b8 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">74,058<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbe8 y6610 w61c h1ff\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">70,009<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6577 w61d h1fe\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Amount Contractually obliged to repay at maturity<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb94 y6577 w61e h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">73,843<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbe9 y6577 w61f h1ff\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">70,166<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6566 w620 h1fe\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Difference between aggregate fair value and contractually obliged to repay at maturity<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbea y6566 we8 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">215<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbeb y6566 w621 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(157)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6567 w622 h1fe\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Cumulative change in Fair Value accredited to Credit Risk Difference<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbec y6567 w35a h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(433)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9b8 y6567 w623 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(276)<span class=\"_ _3eb\"> </span></div></td></tr></table>The net fair value loss on <span class=\"_ _7\"></span>financial liabilities designated at fair value through <span class=\"_ _7\"></span>profit or loss was $3,476 million <span class=\"_ _7\"></span>for the year (31 December 2024: net loss of <span class=\"_ _7\"></span>$3,252 million).<span class=\"_ _3eb\"> </span>Further details of the Group\u2019s own <span class=\"_ _7\"></span>credit adjustment (OCA) valuation technique is described <span class=\"_ _7\"></span>later in this Note. Valuation of financial <span class=\"_ _7\"></span>instruments<span class=\"_ _3eb\"> </span>The Valuation Methodology function is responsible <span class=\"_ _7\"></span>for independent price verification, oversight of fair <span class=\"_ _7\"></span>value and appropriate value adjustments and escalation of valuation <span class=\"_ _7\"></span>issues. Independent price verification is the process <span class=\"_ _7\"></span>of determining that the valuations incorporated into the financial statements <span class=\"_ _7\"></span>are validated independent of the business area <span class=\"_ _7\"></span>responsible for the product. The Valuation Methodology function has <span class=\"_ _7\"></span>oversight of the fair value adjustments to <span class=\"_ _7\"></span>ensure the financial instruments are priced to exit. These are <span class=\"_ _7\"></span>key controls in ensuring the material accuracy <span class=\"_ _7\"></span>of the valuations incorporated in the <span class=\"_ _7\"></span>financial statements. The market data used for <span class=\"_ _7\"></span>price verification (PV) may include data sourced <span class=\"_ _7\"></span>from recent trade data involving external counterparties or third parties such <span class=\"_ _7\"></span>as Bloomberg, Reuters, brokers and consensus pricing <span class=\"_ _7\"></span>providers. The Valuation Methodology function performs an ongoing review of the market data sources that are used as part of the PV and fair value processes which are formally documented on <span class=\"_ _7\"></span>a semi-annual basis detailing the suitability of <span class=\"_ _7\"></span>the market data used for price testing. Price verification uses independently sourced <span class=\"_ _7\"></span>data that is deemed most representative of <span class=\"_ _7\"></span>the market the instruments trade in. To determine the quality <span class=\"_ _7\"></span>of the market data inputs, factors such <span class=\"_ _7\"></span>as independence, relevance, reliability, availability of<span class=\"_ gs36\"> </span>multiple data sources and methodology employed <span class=\"_ _7\"></span>by the pricing provider are taken into <span class=\"_ _7\"></span>consideration. The Valuation and Benchmarks Committee (VBC) <span class=\"_ _7\"></span>is the valuation governance forum consisting of <span class=\"_ _7\"></span>representatives from Traded Risk Management, Product Control, Valuation Methodology and the business, which meets monthly to discuss and approve the independent valuations of the inventory. For <span class=\"_ _7\"></span>Strategic Investments and Principal Finance, the respective <span class=\"_ _7\"></span>Valuation Forums and Investment Committee meetings are held on <span class=\"_ _7\"></span>a quarterly basis to review investments and <span class=\"_ _7\"></span>valuations.<span class=\"_ _3eb\"> </span>The Group evaluates the significance of <span class=\"_ _7\"></span>financial instruments and material accuracy of the <span class=\"_ _7\"></span>valuations incorporated in the financial statements as they involve a <span class=\"_ _7\"></span>high degree of judgement and estimation uncertainty <span class=\"_ _7\"></span>in determining the carrying values of financial assets and liabilities <span class=\"_ _7\"></span>at the balance sheet date.<span class=\"_ _3eb\"> </span>Significant accounting estimates<span class=\"_ _3eb\"> </span>The significant accounting estimates include: <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">Fair value of financial instruments is determined using valuation techniques and estimates <span class=\"_ _7\"></span>which, to the extent possible, </span>use market observable inputs, but in <span class=\"_ _7\"></span>some cases use non-market observable inputs. Changes <span class=\"_ _7\"></span>in the observability of<span class=\"_ gs36\"> </span>significant valuation inputs can materially affect <span class=\"_ _7\"></span>the fair values of financial instruments <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">When establishing the exit price of a financial instrument using a valuation <span class=\"_ _7\"></span>technique, the Group estimates valuation </span>adjustments in determining the fair value.<span class=\"_ _3eb\"> </span>Significant accounting judgements<span class=\"_ _3eb\"> </span>The significant accounting judgements include: <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">In determining the valuation of financial instruments, the Group makes judgements on <span class=\"_ _7\"></span>the amounts reserved to cater for </span>model and valuation risks, which cover <span class=\"_ _7\"></span>both Level 2 and Level 3 assets, <span class=\"_ _7\"></span>and the significant valuation judgements in <span class=\"_ _7\"></span>respect of Level 3 instruments  <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ls2\">Where the estimated measurement of fair value is more judgemental in respect of Level 3 assets, these are valued based<span class=\"_ _11\"></span> </span>on models that use a significant <span class=\"_ _7\"></span>degree of non-market-based unobservable inputs.<span class=\"_ _3eb\"> </span>Valuation techniques<span class=\"_ _3eb\"> </span>Refer to the fair value hierarchy <span class=\"_ _7\"></span>explanation \u2013 Level 1, 2 and 3 <span class=\"_ _7\"></span>(page 364) <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff7 ls2 ws1\">Financial instruments held at fair value</span> <span class=\"_ _1e\"></span><span class=\"ff4\">\u2013<span class=\"_ _a\"> </span><span class=\"ff7 ls2 ws1\">Debt securities \u2013 asset-backed securities:<span class=\"ff4\"> Asset-backed securities are valued based on <span class=\"_ _7\"></span>external prices obtained from </span></span></span>consensus pricing providers, broker quotes, recent <span class=\"_ _7\"></span>trades, arrangers\u2019 quotes, etc. Where an observable <span class=\"_ _7\"></span>price is available for a given security, it is <span class=\"_ _7\"></span>classified as Level 2. In instances where <span class=\"_ _7\"></span>third-party prices are not available or <span class=\"_ _7\"></span>reliable, the security is classified as Level 3. The <span class=\"_ _7\"></span>fair value of Level 3 securities is <span class=\"_ _7\"></span>estimated using market standard cash flow <span class=\"_ _7\"></span>models with input parameter assumptions which include prepayment speeds, default rates, discount margins derived from comparable securities with similar vintage, collateral type, <span class=\"_ _7\"></span>and credit ratings. <span class=\"_ _1e\"></span><span class=\"ff4\">\u2013<span class=\"_ _a\"> </span><span class=\"ff7 ls2 ws1\">Debt securities in issue:<span class=\"ff4\"> These debt securities relate to structured notes <span class=\"_ _7\"></span>issued by the Group. Where independent <span class=\"_ _7\"></span>market </span></span></span>data is available through pricing vendors <span class=\"_ _7\"></span>and broker sources these positions are classified <span class=\"_ _7\"></span>as Level 2. Where such liquid external prices are not available, valuations <span class=\"_ _7\"></span>of these debt securities are implied using <span class=\"_ _7\"></span>input parameters such as bond spreads and credit spreads and are <span class=\"_ _7\"></span>classified as Level 3. These input parameters <span class=\"_ _7\"></span>are determined with reference to the same issuer (if available) or proxies <span class=\"_ _7\"></span>from comparable issuers or assets. <span class=\"_ _1e\"></span><span class=\"ff4\">\u2013<span class=\"_ _a\"> </span><span class=\"ff7 ls2 ws1\">Derivatives:<span class=\"ff4\"> Derivative products are classified as Level 2 if the valuation <span class=\"_ _7\"></span>of the product is based upon <span class=\"_ _7\"></span>input parameters </span></span></span>which are observable from independent and <span class=\"_ _7\"></span>reliable market data sources. Derivative products are <span class=\"_ _7\"></span>classified as Level 3 if<span class=\"_ gs36\"> </span>there are significant valuation input parameters <span class=\"_ _7\"></span>which are unobservable in the market, such <span class=\"_ _7\"></span>as products where the performance is linked to more than <span class=\"_ _7\"></span>one underlying variable. Examples are commodity crack <span class=\"_ _7\"></span>swaption, equity options based on the performance of two <span class=\"_ _7\"></span>or more underlying indices and interest rate <span class=\"_ _7\"></span>products with quanto payouts. In most cases these unobservable correlation parameters cannot <span class=\"_ _7\"></span>be implied from the market, and methods <span class=\"_ _7\"></span>such as historical analysis and comparison with historical levels <span class=\"_ _7\"></span>or other benchmark data must be employed. <span class=\"_ _1e\"></span><span class=\"ff4\">\u2013<span class=\"_ _a\"> </span><span class=\"ff7 ls2 ws1\">Equity shares \u2013 unlisted equity investments:<span class=\"ff1 ws0\"> Valuation of unlisted equity instruments is determined using commonly </span></span></span>accepted valuation techniques considered most appropriate to the investment, which may include the market approach, income approach or asset-based approach, depending <span class=\"_ _7\"></span>on the underlying fact patterns and circumstances. <span class=\"_ _7\"></span>All unlisted equity instruments are classified as Level <span class=\"_ _7\"></span>3, except for those where observable inputs <span class=\"_ _7\"></span>are available (e.g. over-the-counter prices), as the valuation techniques applied <span class=\"_ _7\"></span>generally involve unobservable inputs that requirement significant <span class=\"_ _7\"></span>judgment, which include valuation multiples, discount rates, <span class=\"_ _7\"></span>forecasted cash flows, etc. <span class=\"_ _1e\"></span><span class=\"ff4\">\u2013<span class=\"_ _a\"> </span><span class=\"ff7 ls2 ws1\">Loans and advances:<span class=\"ff4\"> These primarily include loans in the FM Bond <span class=\"_ _7\"></span>and Loan Syndication business which were <span class=\"_ _7\"></span>not </span></span></span>fully<span class=\"_ gs36\"> </span>syndicated as at the balance sheet <span class=\"_ _7\"></span>date and other financing transactions within Financial <span class=\"_ _7\"></span>Markets, and loans and advances including reverse repurchase agreements that <span class=\"_ _7\"></span>do not have SPPI cashflows or are <span class=\"_ _7\"></span>managed on a fair value basis. Where available, its loan valuation is <span class=\"_ _7\"></span>based on observable clean sales transactions prices <span class=\"_ _7\"></span>or market observable spreads. If<span class=\"_ gs36\"> </span>observable credit spreads are not available, <span class=\"_ _7\"></span>proxy spreads based on comparables with similar <span class=\"_ _7\"></span>credit grade, sector and region, are used. Where observable transaction <span class=\"_ _7\"></span>prices, credit spreads and market standard proxy <span class=\"_ _7\"></span>methods are available, these loans are classified as Level <span class=\"_ _7\"></span>2. Where there are no recent transactions <span class=\"_ _7\"></span>or comparables, these loans are classified as<span class=\"_ gs36\"> </span>Level 3. <span class=\"_ _1e\"></span><span class=\"ff4\">\u2013<span class=\"_ _a\"> </span><span class=\"ff7 ls2 ws1\">Other debt securities:<span class=\"ff4\"> These debt securities include convertible bonds, corporate bonds, <span class=\"_ _7\"></span>credit and structured notes. </span></span></span>Where quoted prices are available through <span class=\"_ _7\"></span>pricing vendors, brokers or observable trading activities <span class=\"_ _7\"></span>from liquid markets, these are classified as Level 2 <span class=\"_ _7\"></span>and valued using such quotes. Where there <span class=\"_ _7\"></span>are significant valuation inputs which are unobservable in the market, due to <span class=\"_ _7\"></span>illiquid trading or the complexity of the <span class=\"_ _7\"></span>product, these are classified as Level <span class=\"_ _7\"></span>3. The<span class=\"_ gs36\"> </span>valuations of these debt securities are <span class=\"_ _7\"></span>implied using input parameters such as bond <span class=\"_ _7\"></span>spreads and credit spreads. These input parameters are determined with <span class=\"_ _7\"></span>reference to the same issuer (if available) <span class=\"_ _7\"></span>or proxied from comparable issuers or assets. <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff7 ls2 ws1\">Financial instruments held at amortised cost<span class=\"_ _3eb\"> </span></span>The following sets out the Group\u2019s <span class=\"_ _7\"></span>basis for establishing fair values of amortised <span class=\"_ _7\"></span>cost financial instruments and their classification between Levels 1, 2 and <span class=\"_ _7\"></span>3. As certain categories of financial instruments <span class=\"_ _7\"></span>are not actively traded, there is<span class=\"_ gs36\"> </span>a<span class=\"_ gs36\"> </span>significant level of management judgement involved <span class=\"_ _7\"></span>in calculating the fair values: <span class=\"_ _1e\"></span><span class=\"ff4\">\u2013<span class=\"_ _a\"> </span><span class=\"ff7 ls2 ws1\">Cash and balances at central banks:<span class=\"ff1 ws0\"> The fair value of cash and balances at central banks is their carrying amounts</span></span></span> <span class=\"_ _1e\"></span><span class=\"ff4\">\u2013<span class=\"_ _a\"> </span><span class=\"ff7 ls2 ws1\">Debt securities in issue, subordinated liabilities and other borrowed funds:<span class=\"ff1 ws0\"> The aggregate fair values are calculated </span></span></span>based on quoted market prices. For <span class=\"_ _7\"></span>those notes where quoted market prices are <span class=\"_ _7\"></span>not available, a discounted cash flow model is used based on a <span class=\"_ _7\"></span>current market related yield curve appropriate for <span class=\"_ _7\"></span>the remaining term to maturity <span class=\"_ _1e\"></span><span class=\"ff4\">\u2013<span class=\"_ _a\"> </span><span class=\"ff7 ls2 ws1\">Deposits and borrowings:<span class=\"ff1 ws0\"> The estimated fair value of deposits with no stated maturity is the amount repayable on </span></span></span>demand. The estimated fair value of <span class=\"_ _7\"></span>fixed interest-bearing deposits and other borrowings without <span class=\"_ _7\"></span>quoted market prices is based on discounted <span class=\"_ _7\"></span>cash flows using <span class=\"_ _1b\"></span>the prevailing market rates for <span class=\"_ _7\"></span>debts with a <span class=\"_ _7\"></span>similar Credit <span class=\"_ _7\"></span>Risk and remaining <span class=\"_ _7\"></span>maturity<span class=\"_ _3eb\"> </span>\u2013<span class=\"_ _a\"> </span><span class=\"ff7 ls2 ws1\">Investment securities:<span class=\"ff4\"> For investment securities that do not have directly observable <span class=\"_ _7\"></span>market values, the Group utilises </span></span>a<span class=\"_ gs36\"> </span>number of valuation techniques to determine <span class=\"_ _7\"></span>fair value. Where available, securities are valued <span class=\"_ _7\"></span>using input proxies from the same or closely related underlying <span class=\"_ _7\"></span>(for example, bond spreads from the same <span class=\"_ _7\"></span>or closely related issuer) or input <span class=\"_ _7\"></span>proxies from a different underlying (for example, <span class=\"_ _7\"></span>a similar bond but using spreads for <span class=\"_ _7\"></span>a particular sector and rating). Certain instruments cannot be proxies as set <span class=\"_ _7\"></span>out above, and in such cases the <span class=\"_ _7\"></span>positions are valued using non-market observable inputs. This includes those instruments held <span class=\"_ _7\"></span>at amortised cost and predominantly relates to <span class=\"_ _7\"></span>asset-backed securities. The<span class=\"_ gs36\"> </span>fair value for such instruments is <span class=\"_ _7\"></span>usually proxies from internal assessments of the <span class=\"_ _7\"></span>underlying cash flows <span class=\"_ _1e\"></span><span class=\"ff4\">\u2013<span class=\"_ _a\"> </span><span class=\"ff7 ls2 ws1\">Loans and advances to banks and customers:<span class=\"ff1 ws0\"> For loans and advances to banks, the fair value of floating rate placements </span></span></span>and overnight deposits is their carrying <span class=\"_ _7\"></span>amounts. The estimated fair value of fixed <span class=\"_ _7\"></span>interest-bearing deposits is based on discounted cash flows using the prevailing <span class=\"_ _7\"></span>money market rates for debts with a <span class=\"_ _7\"></span>similar Credit Risk and remaining maturity. The Group\u2019s loans and advances to <span class=\"_ _7\"></span>customers portfolio is well diversified by geography <span class=\"_ _7\"></span>and industry. Approximately a<span class=\"_ gs36\"> </span>quarter of the portfolio re-prices within <span class=\"_ _7\"></span>one month, and approximately half re-prices within <span class=\"_ _7\"></span>12 months. Loans and advances are presented <span class=\"_ _7\"></span>net of provisions for <span class=\"_ _1b\"></span>impairment. The fair value of loans <span class=\"_ _7\"></span>and advances to <span class=\"_ _7\"></span>customers with a residual maturity of less than one year <span class=\"_ _7\"></span>generally approximates the carrying value. The estimated <span class=\"_ _7\"></span>fair value of loans and advances with a residual maturity of more than one year represents the discounted amount of future cash flows expected to be received, including assumptions relating to prepayment <span class=\"_ _7\"></span>rates and Credit Risk. Expected cash flows <span class=\"_ _7\"></span>are discounted at current market rates to determine fair <span class=\"_ _7\"></span>value. The Group has a wide range <span class=\"_ _7\"></span>of individual instruments within its loans <span class=\"_ _7\"></span>and advances portfolio and as a result <span class=\"_ _7\"></span>providing quantification of the key assumptions used <span class=\"_ _7\"></span>to value such instruments is<span class=\"_ gs36\"> </span>impractical <span class=\"_ _1e\"></span><span class=\"ff4\">\u2013<span class=\"_ _a\"> </span><span class=\"ff7 ls2 ws1\">Other assets:<span class=\"ff4\"> Other assets comprise primarily cash collateral and trades pending <span class=\"_ _7\"></span>settlement. The carrying amount </span></span></span>of<span class=\"_ gs36\"> </span>these financial instruments is considered to <span class=\"_ _7\"></span>be a reasonable approximation of fair value <span class=\"_ _7\"></span>as they are either short-term in<span class=\"_ gs36\"> </span>nature or re-price to current market <span class=\"_ _7\"></span>rates frequently.<span class=\"_ _3eb\"> </span>Fair value adjustments<span class=\"_ _3eb\"> </span>When establishing the exit price of <span class=\"_ _7\"></span>a financial instrument using a valuation technique, <span class=\"_ _7\"></span>the Group considers adjustments to the modelled price which market participants would <span class=\"_ _7\"></span>make when pricing that instrument. The main <span class=\"_ _7\"></span>valuation adjustments (described further below) in determining fair <span class=\"_ _7\"></span>value for financial assets and financial liabilities <span class=\"_ _7\"></span>are as follows:<span class=\"_ _3eb\"> </span><table class=\"s w624 h24a\" id=\"_3ff48fea-e5e8-4c56-aff8-6a5cf9b3b4f6\"><tr><td></td><td></td><td class=\"t m0 xbed h38 y6789 ff5 fs17 fc0 sc0 ls21 ws20\">Movement </td><td></td><td></td><td class=\"t m0 xbee h39 y6789 ff1 fs17 fc3 sc0 ls21 ws20\">Movement </td><td></td></tr><tr><td></td><td class=\"t m0 x2f7 h38 y678a ff5 fs17 fc0 sc0 ls21 ws20\">01.01.25<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x2d1 h38 y678a ff5 fs17 fc0 sc0 ls21 ws20\">during<span class=\"_ gs40f\"> </span>the year<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x2f8 h38 y678a ff5 fs17 fc0 sc0 ls21 ws20\">31.12.25<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x2fa h2c y678a ff4 fs17 fc3 sc0 ls21 ws20\">01.01.24<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xbef h2c y678a ff4 fs17 fc3 sc0 ls21 ws20\">during<span class=\"_ gs490\"> </span>the year<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xbf0 h2c y678a ff4 fs17 fc3 sc0 ls21 ws20\">31.12.24<span class=\"_ _3eb\"> </span></td></tr><tr><td></td><td class=\"t m0 x2f7 h38 y678b ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x2c9 h38 y678b ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x4be h38 y678b ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x2fa h2c y678b ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x233 h2c y678b ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x234 h2c y678b ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c n x1ee y655c w625 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Bid-offer valuation adjustment<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbf1 y655c w626 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">117<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbf2 y655c w4b0 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">6<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbf3 y655c w627 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">123<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbf4 y655c w4e0 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">115<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbf5 y655c w4da h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbf6 y655c w628 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">117<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y655d w629 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Credit valuation adjustment<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbf7 y655d w62a h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">134<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbf8 y655d w62b h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(20)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbf9 y655d w62c h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">114<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbfa y655d w62d h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">119<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbfb y655d w62e h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">15<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbfc y655d w62f h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">134<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6573 w630 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Debit valuation adjustment<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbfd y6573 w631 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(105)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbfe y6573 w632 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">30<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbff y6573 w484 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(75)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc00 y6573 w633 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(129)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc01 y6573 w4cd h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">24<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc02 y6573 w2aa h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(105)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6574 w634 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Model valuation adjustment<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc03 y6574 w635 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">5<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc04 y6574 w265 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(2)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc05 y6574 w45d h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">3<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc06 y6574 w3c h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls0 ws0\">4<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc07 y6574 w41a h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc08 y6574 w40 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls0 ws0\">5<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6560 w636 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Funding valuation adjustment<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc09 y6560 w4bf h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">41<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc0a y6560 w269 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(9)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc0b y6560 w1e6 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">32<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc0c y6560 w637 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">33<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc0d y6560 w638 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">8<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc0e y6560 w485 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">41<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6575 w639 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Other fair value adjustments<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc0f y6575 w66 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">26<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc10 y6575 wac h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">22<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x92c y6575 w1f6 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">48<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc11 y6575 w92 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">25<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc12 y6575 w41a h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc13 y6575 w73 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">26<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y658d w49a h203\"><div class=\"t m0 x1ed h3d y655f ff5 fs5 fc3 sc0 ls5 ws5\">Total<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc14 y658d w63a h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">218<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc15 y658d w63b h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">27<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc16 y658d w63c h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">245<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc17 y658d w63d h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">167<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc18 y658d w4be h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">51<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc19 y658d w3ef h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">218<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x235 h3b y678c ff1 fs5 fc3 sc0 ls5 ws0\">Income deferrals<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y6566 w63e h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Day 1 and other deferrals<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc1a y6566 w63f h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">138<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc1b y6566 w4b0 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">9<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc1c y6566 w1a3 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">147<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc1d y6566 w1e9 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">109<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc1e y6566 w73 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">29<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc1f y6566 w288 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">138<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6567 w49a h203\"><div class=\"t m0 x1ed h3d y655f ff5 fs5 fc3 sc0 ls5 ws5\">Total<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc14 y6567 w63f h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">138<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc20 y6567 w4b0 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">9<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc21 y6567 w1a3 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">147<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc22 y6567 w1e9 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">109<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc23 y6567 w73 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">29<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc24 y6567 w288 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">138<span class=\"_ _3eb\"> </span></div></td></tr></table>Note: Bracket represents an asset and credit to <span class=\"_ _7\"></span>the income statement. <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff7 ls2 ws1\">Bid-offer valuation adjustment:</span><span class=\"ls2\"> Generally, market parameters are marked on a mid-market basis in the revaluation systems, </span>and a bid-offer valuation adjustment is <span class=\"_ _7\"></span>required to quantify the expected cost of <span class=\"_ _7\"></span>neutralising the business\u2019 positions through dealing away in the market, thereby <span class=\"_ _7\"></span>bringing long positions to bid and short <span class=\"_ _7\"></span>positions to offer. The methodology to <span class=\"_ _7\"></span>calculate the bid-offer adjustment for a derivative <span class=\"_ _7\"></span>portfolio involves netting between long and short <span class=\"_ _7\"></span>positions and the grouping of risk<span class=\"_ gs36\"> </span>by strike and tenor based on <span class=\"_ _7\"></span>the hedging strategy where long positions are <span class=\"_ _7\"></span>marked to bid and short positions <span class=\"_ _7\"></span>marked to<span class=\"_ gs36\"> </span>offer in the systems. <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff7 ls2 ws1\">Credit valuation adjustment (CVA):<span class=\"ff4\"> The Group accounts for CVA against the fair <span class=\"_ _7\"></span>value of derivative products. CVA is <span class=\"_ _7\"></span>an </span></span>adjustment to the fair value of <span class=\"_ _7\"></span>the transactions to reflect the possibility that <span class=\"_ _7\"></span>our counterparties may default and we <span class=\"_ _7\"></span>may not<span class=\"_ gs36\"> </span>receive the full market value of <span class=\"_ _7\"></span>the outstanding transactions. It represents an estimate <span class=\"_ _7\"></span>of the adjustment a market participant would include when deriving a <span class=\"_ _7\"></span>purchase price to acquire our exposures. CVA <span class=\"_ _7\"></span>is calculated for each subsidiary, and within each entity for each <span class=\"_ _7\"></span>counterparty to which the entity has exposure <span class=\"_ _7\"></span>and takes account of any collateral <span class=\"_ _7\"></span>we may hold. The Group calculates the CVA <span class=\"_ _7\"></span>by using estimates of future positive exposure, <span class=\"_ _7\"></span>market-implied probability of default (PD) and recovery rates. Where market-implied data <span class=\"_ _7\"></span>is not readily available, we use market-based <span class=\"_ _7\"></span>proxies to estimate the PD. Wrong-way risk occurs when the exposure to a counterparty is adversely correlated with the credit quality of that counterparty, and the Group has implemented a <span class=\"_ _7\"></span>model to capture this impact for key <span class=\"_ _7\"></span>wrong-way exposures. The Group also captures <span class=\"_ _7\"></span>the uncertainties associated with wrong-way risk in <span class=\"_ _7\"></span>the Group\u2019s Prudential Valuation Adjustments framework.<span class=\"_ _3eb\"> </span><div class=\"t m0 h20 ff1 fs2 fc3 sc0 ls0 ws0 gs4a3\"> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff7 ls2 ws1\">Debit valuation adjustment (DVA): <span class=\"ff4\">The Group calculates DVA adjustments on its derivative <span class=\"_ _7\"></span>liabilities to reflect changes </span></span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs4a4\">in<span class=\"_ gs36\"> </span>its own credit standing. The Group\u2019s <span class=\"_ _7\"></span>DVA adjustments will increase if its credit <span class=\"_ _7\"></span>standing worsens and, conversely, decrease </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs4a5\">if its credit standing improves. For <span class=\"_ _7\"></span>derivative liabilities, a DVA adjustment is determined <span class=\"_ _7\"></span>by applying the Group\u2019s probability </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs4a6\">of default to the Group\u2019s negative <span class=\"_ _7\"></span>expected exposure against the counterparty. The Group\u2019s <span class=\"_ _7\"></span>probability of default and loss </div><div class=\"t m0 h9 ff1 fs2 fc3 sc0 ls2 ws0 gs4a7\">expected in the event of default is derived based on bond and CDS spreads associated with the Group\u2019s issuances and </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs4a8\">market standard recovery levels. The expected <span class=\"_ _7\"></span>exposure is modelled based on the simulation <span class=\"_ _7\"></span>of the underlying risk factors </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs4a9\">over the expected life of the <span class=\"_ _7\"></span>deal. This simulation methodology incorporates the collateral <span class=\"_ _7\"></span>posted by the Group and the </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs4aa\">effects of master netting agreements.</div><div class=\"t m0 h20 ff1 fs2 fc3 sc0 ls0 ws0 gs4ab\"> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff7 ls2 ws1\">Model valuation adjustment:<span class=\"ff4\"> Valuation models may have pricing deficiencies or limitations that <span class=\"_ _7\"></span>require a valuation </span></span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs4ac\">adjustment. These pricing deficiencies or limitations <span class=\"_ _7\"></span>arise due to the choice, implementation and <span class=\"_ _7\"></span>calibration of the </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs4ad\">pricing<span class=\"_ gs36\"> </span>model.</div><div class=\"t m0 h20 ff1 fs2 fc3 sc0 ls0 ws0 gs4ae\"> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff7 ls2 ws1\">Funding valuation adjustment (FVA): <span class=\"ff4\">The Group makes FVA adjustments against derivative products, <span class=\"_ _7\"></span>including embedded </span></span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs4af\">derivatives. FVA reflects an estimate of <span class=\"_ _7\"></span>the adjustment to its fair value that <span class=\"_ _7\"></span>a market participant would make to <span class=\"_ _7\"></span>incorporate </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs4b0\">funding costs or benefits that could <span class=\"_ _7\"></span>arise in relation to the exposure. FVA <span class=\"_ _7\"></span>is calculated by determining the net <span class=\"_ _7\"></span>expected </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs4b1\">exposure at a counterparty level and <span class=\"_ _7\"></span>then applying a funding rate to those <span class=\"_ _7\"></span>exposures that reflect the market cost <span class=\"_ _7\"></span>of funding. </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs4b2\">The FVA for uncollateralised (including partially <span class=\"_ _7\"></span>collateralised) derivatives incorporates the estimated present value <span class=\"_ _7\"></span>of the </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs4b3\">market funding cost or benefit associated <span class=\"_ _7\"></span>with funding these transactions.</div><div class=\"t m0 h20 ff1 fs2 fc3 sc0 ls0 ws0 gs4b4\"> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff7 ls2 ws1\">Other fair value adjustments: </span><span class=\"ls2\">For certain products, the prices cannot be replicated by usual models or the choice of model </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs4b5\">inputs can be more subjective. In <span class=\"_ _7\"></span>these circumstances, an adjustment may be necessary <span class=\"_ _7\"></span>to reflect the prices available in <span class=\"_ _7\"></span>the </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls29 ws28 gs4b6\">market. In <span class=\"_ _7\"></span>general, where there <span class=\"_ _1b\"></span>is a high degree <span class=\"_ _7\"></span>of uncertainty <span class=\"_ _7\"></span>in the <span class=\"_ _7\"></span>valuation (e.g. <span class=\"_ _7\"></span>due to <span class=\"_ _7\"></span>the nature <span class=\"_ _7\"></span>of the <span class=\"_ _7\"></span>trade, model inputs, </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls34 ws35 gs4b7\">model selection etc.), an <span class=\"_ _7\"></span>adjustment can be <span class=\"_ _7\"></span>taken to adopt a <span class=\"_ _7\"></span>more conservative value <span class=\"_ _7\"></span>to better reflect the <span class=\"_ _7\"></span>expected exit price.</div><div class=\"t m0 h20 ff1 fs2 fc3 sc0 ls0 ws0 gs4b8\"> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff7 ls2 ws1\">Day one and other deferrals: <span class=\"ff4\">In certain circumstances the initial fair value <span class=\"_ _7\"></span>is based on a valuation technique <span class=\"_ _7\"></span>which differs </span></span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs4b9\">to<span class=\"_ gs36\"> </span>the transaction price at the time <span class=\"_ _7\"></span>of initial recognition. However, these gains can <span class=\"_ _7\"></span>only be recognised when the valuation </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs4ba\">technique used is based primarily on <span class=\"_ _7\"></span>observable market data. In those cases where <span class=\"_ _7\"></span>the initially recognised fair value is <span class=\"_ _7\"></span>based </div><div class=\"t m0 h9 ff1 fs2 fc3 sc0 ls2 ws0 gs4bb\">on a valuation model that uses inputs which are not observable in the market, the difference between the transaction price </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs4bc\">and the valuation model is not <span class=\"_ _7\"></span>recognised immediately in the income statement. The <span class=\"_ _7\"></span>difference is amortised to the income </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs4bd\">statement until the inputs become observable, <span class=\"_ _7\"></span>or the transaction matures or is terminated. <span class=\"_ _7\"></span>Other deferrals primarily </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs4be\">represent adjustments taken to reflect the <span class=\"_ _7\"></span>specific terms and conditions of certain derivative <span class=\"_ _7\"></span>contracts which affect the </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs4bf\">termination value at the measurement date.<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs4c0\">In addition, the Group calculates own <span class=\"_ _7\"></span>credit adjustment (OCA) on its issued debt <span class=\"_ _7\"></span>designated at fair value, including structured </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs4c1\">notes, in order to reflect changes <span class=\"_ _7\"></span>in its own credit standing. Issued debt <span class=\"_ _7\"></span>is discounted utilising the spread at <span class=\"_ _7\"></span>which similar </div><div class=\"t m0 h9 ff1 fs2 fc3 sc0 ls2f ws0 gs4c2\">instruments would be issued or bought back at the measurement date as this reflects the value from the perspective of a market </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs4c3\">participant who holds the identical item <span class=\"_ _7\"></span>as an asset. OCA measures the difference <span class=\"_ _7\"></span>between the fair value of issued <span class=\"_ _7\"></span>debt as of </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs4c4\">reporting date and theoretical fair values <span class=\"_ _7\"></span>of issued debt adjusted up or down <span class=\"_ _7\"></span>for changes in own credit spreads <span class=\"_ _7\"></span>from inception </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs4c5\">date to the measurement date. Under <span class=\"_ _7\"></span>IFRS 9 the change in the OCA <span class=\"_ _7\"></span>component is reported under other comprehensive <span class=\"_ _7\"></span>income. </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs4c6\">The Group\u2019s OCA reserve will increase <span class=\"_ _7\"></span>if its credit standing worsens in comparison <span class=\"_ _7\"></span>to the inception of the trade <span class=\"_ _7\"></span>and, conversely, </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs4c7\">decrease if its credit standing improves. <span class=\"_ _7\"></span>The Group\u2019s OCA reserve will reverse over <span class=\"_ _7\"></span>time as its liabilities mature.<span class=\"_ _3eb\"> </span></div><div class=\"t m0 hc ff7 fs8 fc2 sc0 ls8 wsb gs4c8\">Fair value hierarchy <span class=\"_ _7\"></span>\u2013 financial <span class=\"_ _7\"></span>instruments held at <span class=\"_ _7\"></span>fair value<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs4c9\">The fair values of quoted financial <span class=\"_ _7\"></span>assets and liabilities in active markets are <span class=\"_ _7\"></span>based on current prices. A market <span class=\"_ _7\"></span>is regarded as </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs4ca\">active if transactions for the asset <span class=\"_ _7\"></span>or liability take place with sufficient frequency <span class=\"_ _7\"></span>and volume to provide pricing information <span class=\"_ _7\"></span>on </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs4cb\">an ongoing basis. Wherever possible, fair <span class=\"_ _7\"></span>values have been calculated using unadjusted quoted <span class=\"_ _7\"></span>market prices in active markets </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs4cc\">for identical instruments held by the <span class=\"_ _7\"></span>Group. Where quoted market prices are not <span class=\"_ _7\"></span>available, or are unreliable because of <span class=\"_ _7\"></span>poor </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs4cd\">liquidity, fair values have been determined <span class=\"_ _7\"></span>using valuation techniques which, to the extent <span class=\"_ _7\"></span>possible, use market observable </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs4ce\">inputs, but in some cases use <span class=\"_ _7\"></span>unobservable inputs. Valuation techniques used include discounted <span class=\"_ _7\"></span>cash flow analysis and pricing </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs4cf\">models and, where appropriate, comparison with <span class=\"_ _7\"></span>instruments that have characteristics similar to those <span class=\"_ _7\"></span>of the instruments held </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs4d0\">by the Group.<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs4d1\">Assets and liabilities carried at fair <span class=\"_ _7\"></span>value or for which fair values are <span class=\"_ _7\"></span>disclosed have been classified into three <span class=\"_ _7\"></span>levels according to </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs4d2\">the observability of the significant inputs <span class=\"_ _7\"></span>used to determine the fair values. Changes <span class=\"_ _7\"></span>in the observability of significant valuation </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs4d3\">inputs during the reporting period may <span class=\"_ _7\"></span>result in a transfer of assets and <span class=\"_ _7\"></span>liabilities within the fair value hierarchy. <span class=\"_ _7\"></span>The Group </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs4d4\">recognises transfers between levels of the <span class=\"_ _7\"></span>fair value hierarchy when there is a <span class=\"_ _7\"></span>significant change in either its principal <span class=\"_ _7\"></span>market </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs4d5\">or<span class=\"_ gs36\"> </span>the level of observability of the <span class=\"_ _7\"></span>inputs to the valuation techniques as at <span class=\"_ _7\"></span>the end of the reporting period.</div><div class=\"t m0 h20 ff1 fs2 fc3 sc0 ls0 ws0 gs4d6\"> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff7 ls2 ws1\">Level 1:<span class=\"ff4\"> Fair value measurements are those derived from unadjusted quoted prices <span class=\"_ _7\"></span>in active markets for identical assets </span></span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs4d7\">or<span class=\"_ gs36\"> </span>liabilities.</div><div class=\"t m0 h20 ff1 fs2 fc3 sc0 ls0 ws0 gs4d8\"> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff7 ls2 ws1\">Level 2:<span class=\"ff4\"> Fair value measurements are those with quoted prices for similar <span class=\"_ _7\"></span>instruments in active markets or quoted <span class=\"_ _7\"></span>prices </span></span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs4d9\">for<span class=\"_ gs36\"> </span>identical or similar instruments in inactive <span class=\"_ _7\"></span>markets and financial instruments valued using models <span class=\"_ _7\"></span>where all significant </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs4da\">inputs are observable.</div><div class=\"t m0 h20 ff1 fs2 fc3 sc0 ls0 ws0 gs4db\"> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff7 ls2 ws1\">Level 3:<span class=\"ff4\"> Fair value measurements are those where inputs which could have <span class=\"_ _7\"></span>a significant effect on the instrument\u2019s <span class=\"_ _7\"></span>valuation </span></span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs4dc\">are not based on observable market <span class=\"_ _7\"></span>data.<span class=\"_ _3eb\"> </span></div>The following tables show the classification <span class=\"_ _7\"></span>of financial instruments held at fair value <span class=\"_ _7\"></span>into the valuation hierarchy:<span class=\"_ _3eb\"> </span><table class=\"s w640 h24b\" id=\"_c303f662-fbf8-4d7d-bf5d-08054c109f58\"><tr><td></td><td></td><td class=\"c n xc25 y678d w281 h21e\"><div class=\"t m0 x1ed h14f y6611 ff5 fs64 fc0 sc0 ls50 ws5b\">2025<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td></td><td class=\"c n xc26 y678d w641 h209\"><div class=\"t m0 x1ed h14f y6611 ff1 fs64 fc3 sc0 ls50 ws5b\">2024<span class=\"_ _3eb\"> </span></div></td><td></td><td></td></tr><tr><td></td><td class=\"t m0 xc27 h14f y678e ff5 fs64 fc0 sc0 ls50 ws5b\">Level 1<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x6bc h14f y678e ff5 fs64 fc0 sc0 ls50 ws5b\">Level 2<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xc28 h14f y678e ff5 fs64 fc0 sc0 ls50 ws5b\">Level 3<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x668 h14f y678e ff5 fs64 fc0 sc0 ls50 ws5b\">Total<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xc29 h151 y678e ff1 fs64 fc3 sc0 ls50 ws0\">Level 1<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xc2a h151 y678e ff1 fs64 fc3 sc0 ls50 ws0\">Level 2<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xc2b h151 y678e ff1 fs64 fc3 sc0 ls50 ws0\">Level 3<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x2f4 h151 y678e ff1 fs64 fc3 sc0 ls50 ws5b\">Total<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"t m0 x235 h151 y678f ff1 fs64 fc3 sc0 ls50 ws5b\">Assets<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x4bc h14f y678f ff5 fs64 fc0 sc0 ls50 ws5b\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xc2c h14f y678f ff5 fs64 fc0 sc0 ls50 ws5b\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xc2d h14f y678f ff5 fs64 fc0 sc0 ls50 ws5b\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xc2e h14f y678f ff5 fs64 fc0 sc0 ls50 ws5b\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xadd h153 y678f ff4 fs64 fc3 sc0 ls50 ws5b\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x870 h153 y678f ff4 fs64 fc3 sc0 ls50 ws5b\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xc2f h153 y678f ff4 fs64 fc3 sc0 ls50 ws5b\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x2fd h153 y678f ff4 fs64 fc3 sc0 ls50 ws5b\">$million<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"t m0 x235 h13 y6790 ff5 fs7 fc3 sc0 ls7 ws7\">Financial instruments held at fair value through profit <span class=\"_ _7\"></span>or loss<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x236 y6792 w642 h20a\"><div class=\"t m0 x1ed hb2 y6791 ff1 fs7 fc3 sc0 ls7 ws0\">Loans and advances to banks<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc30 y6792 w14d h20b\"><div class=\"t m0 x1ed hb2 y6791 ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc31 y6792 w643 h20b\"><div class=\"t m0 x1ed hb2 y6791 ff6 fs7 fc3 sc0 ls7 ws7\">2,685<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc32 y6792 w644 h20b\"><div class=\"t m0 x1ed hb2 y6791 ff6 fs7 fc3 sc0 ls7 ws7\">299<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc33 y6792 w542 h20b\"><div class=\"t m0 x1ed hb2 y6791 ff6 fs7 fc3 sc0 ls7 ws7\">2,984<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc34 y6792 w14d h20b\"><div class=\"t m0 x1ed hb2 y6791 ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc35 y6792 w57a h20a\"><div class=\"t m0 x1ed hb2 y6791 ff1 fs7 fc3 sc0 ls7 ws7\">2,213<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc36 y6792 w14d h20b\"><div class=\"t m0 x1ed hb2 y6791 ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc37 y6792 w57a h20a\"><div class=\"t m0 x1ed hb2 y6791 ff1 fs7 fc3 sc0 ls7 ws7\">2,213<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x236 y6793 w645 h20a\"><div class=\"t m0 x1ed hb2 y6791 ff1 fs7 fc3 sc0 ls7 ws0\">Loans and advances to customers<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc38 y6793 w14d h20b\"><div class=\"t m0 x1ed hb2 y6791 ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc39 y6793 w646 h20b\"><div class=\"t m0 x1ed hb2 y6791 ff6 fs7 fc3 sc0 ls7 ws7\">8,891<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc3a y6793 w647 h20b\"><div class=\"t m0 x1ed hb2 y6791 ff6 fs7 fc3 sc0 ls7 ws7\">3,464<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc3b y6793 w546 h20b\"><div class=\"t m0 x1ed hb2 y6791 ff6 fs7 fc3 sc0 ls7 ws7\">12,355<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc3c y6793 w14d h20b\"><div class=\"t m0 x1ed hb2 y6791 ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc3d y6793 w648 h20b\"><div class=\"t m0 x1ed hb2 y6791 ff4 fs7 fc3 sc0 ls7 ws7\">5,147<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc3e y6793 w649 h20b\"><div class=\"t m0 x1ed hb2 y6791 ff4 fs7 fc3 sc0 ls7 ws7\">1,937<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x6af y6793 w64a h20b\"><div class=\"t m0 x1ed hb2 y6791 ff4 fs7 fc3 sc0 ls7 ws7\">7,084<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x247 hb y6794 ff4 fs7 fc3 sc0 ls7 ws7\">Reverse repurchase agreements and other similar secured </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x236 y6795 w64b h20d\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws7\">lending<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc3f y6795 w14d h20c\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc40 y6795 w64c h20c\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">80,446<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc41 y6795 w64d h20c\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">3,684<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc42 y6795 w549 h20c\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">84,130<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc43 y6795 w145 h20c\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">19<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc44 y6795 w58a h20c\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">82,937<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc45 y6795 w64e h20c\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">3,239<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc46 y6795 w582 h20c\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">86,195<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x236 y6796 w64f h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">Debt securities and other eligible bills<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc47 y6796 w650 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">38,015<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc48 y6796 w651 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">45,365<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc49 y6796 w652 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">3,324<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc4a y6796 w54f h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">86,704<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc4b y6796 w653 h20d\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws7\">32,331<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc4c y6796 w654 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">42,615<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc4d y6796 w655 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">1,593<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc4e y6796 w586 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">76,539<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x247 hb y6797 ff4 fs7 fc3 sc0 ls7 ws7\">Of which:<span class=\"_ _3eb\"> </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 y6798 w656 h20d\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws0\">Issued by central banks &amp; governments<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc4f y6798 w657 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">35,078<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc50 y6798 w2d0 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">21,875<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc51 y6798 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc52 y6798 w658 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">56,953<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc53 y6798 w659 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">30,278<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc54 y6798 w65a h20d\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws7\">13,355<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc55 y6798 w65b h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls0 ws0\">9<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc56 y6798 w65c h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">43,642<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x248 y6799 w65d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">Issued by corporates other than financial institutions</div><div class=\"t m0 xc57 hd1 y659f ff1 fs61 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc58 y679a w65e h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">71<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc59 y679a w65f h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">5,531<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc5a y679a w660 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">232<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc5b y679a w661 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">5,834<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc5c y679a w662 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls0 ws0\">7<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc5d y679a w199 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">4,860<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc5e y679a w14a h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">399<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc5f y679a w58f h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">5,266<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x248 y679b w663 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">Issued by financial institutions</div><div class=\"t m0 xc60 hd1 y659f ff1 fs61 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc61 y679c w664 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">2,866<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc62 y679c w665 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">17,959<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc63 y679c w666 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">3,092<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc64 y679c w667 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">23,917<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc65 y679c w668 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">2,046<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc66 y679c w1b4 h20d\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws7\">24,400<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc67 y679c w114 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">1,185<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc68 y679c w669 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">27,631<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x236 y679d w550 h20d\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws0\">Equity shares<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc69 y679d w66a h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">6,319<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc6a y679d w66b h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">2,455<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc6b y679d w66c h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">310<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc6c y679d w553 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">9,084<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc6d y679d w66d h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">5,287<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc6e y679d w66e h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls0 ws0\">8<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc6f y679d w66f h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">191<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc70 y679d w670 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">5,486<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y679e w556 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">Derivative financial instruments<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc71 y679e w671 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">766<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc72 y679e w672 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">64,926<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc73 y679e w673 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">90<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc74 y679e w55a h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">65,782<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc75 y679e w674 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">386<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc76 y679e w675 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">80,958<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc77 y679e w676 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">128<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc78 y679e w32d h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">81,472<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x247 hb y679f ff4 fs7 fc3 sc0 ls7 ws7\">Of which:<span class=\"_ _3eb\"> </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 y67a0 w677 h20d\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws0\">Foreign exchange<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc79 y67a0 w678 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">132<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc7a y67a0 w679 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">55,776<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc7b y67a0 w67a h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">35<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc7c y67a0 w67b h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">55,943<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc7d y67a0 w67c h20d\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws7\">140<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc7e y67a0 w67d h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">72,870<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc7f y67a0 w67e h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">37<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc80 y67a0 w67f h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">73,047<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x248 y67a1 w680 h20d\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws0\">Interest rate<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc81 y67a1 w681 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">39<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc82 y67a1 w682 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">6,143<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc83 y67a1 w683 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">46<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc84 y67a1 w684 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">6,228<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc85 y67a1 w685 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">27<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc86 y67a1 w686 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">6,296<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc87 y67a1 w687 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">80<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc88 y67a1 w16b h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">6,403<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x248 y67a2 w688 h20d\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws7\">Credit<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc89 y67a2 w14e h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc8a y67a2 w689 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">488<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc8b y67a2 w68a h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">5<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc8c y67a2 w68b h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">493<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc8d y67a2 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc8e y67a2 w68c h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">388<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc8f y67a2 w68d h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls0 ws0\">9<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc90 y67a2 w68e h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">397<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x248 y67a3 w68f h20d\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws0\">Equity and stock index options<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc91 y67a3 w14e h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc92 y67a3 w690 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">332<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc93 y67a3 w182 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">4<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc94 y67a3 w691 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">336<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc95 y67a3 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc96 y67a3 w692 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">349<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc97 y67a3 w693 h20d\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc98 y67a3 w694 h20d\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws7\">351<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x248 y67a4 w695 h20d\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws7\">Commodity<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc99 y67a4 w696 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">595<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc9a y67a4 w697 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">2,187<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc9b y67a4 w14f h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc9c y67a4 w698 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">2,782<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc9d y67a4 w699 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">219<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc9e y67a4 w69a h20d\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws7\">1,055<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc9f y67a4 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xca0 y67a4 w69b h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">1,274<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x235 h13 y67a5 ff5 fs7 fc3 sc0 ls7 ws7\">Investment securities<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x236 y67a6 w64f h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">Debt securities and other eligible bills<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xca1 y67a6 w69c h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">67,058<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xca2 y67a6 w69d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">41,445<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xca3 y67a6 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xca4 y67a6 w564 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">108,503<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xca5 y67a6 w69e h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">50,249<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xca6 y67a6 w69f h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">38,176<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xca7 y67a6 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xca8 y67a6 w596 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">88,425<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x247 hb y67a7 ff4 fs7 fc3 sc0 ls7 ws7\">Of which:<span class=\"_ _3eb\"> </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 y67a8 w656 h212\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws0\">Issued by central banks &amp; governments<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc4f y67a8 w6a0 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">53,830<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xca9 y67a8 w6a1 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">22,336<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcaa y67a8 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcab y67a8 w14b h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">76,166<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcac y67a8 w6a2 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">41,395<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcad y67a8 w6a3 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">16,916<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcae y67a8 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcaf y67a8 w6a4 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">58,311<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x248 y67a9 w65d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">Issued by corporates other than financial institutions</div><div class=\"t m0 xc57 hd1 y659f ff1 fs61 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcb0 y67aa w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcb1 y67aa w6a5 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">438<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcb2 y67aa w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcb3 y67aa w6a6 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">438<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcb4 y67aa w14f h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcb5 y67aa w4ad h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">490<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcb6 y67aa w14f h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcb7 y67aa w4ad h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">490<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x248 y67ab w663 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">Issued by financial institutions</div><div class=\"t m0 xc60 hd1 y659f ff1 fs61 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcb8 y67ac w6a7 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">13,228<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcb9 y67ac w6a8 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">18,671<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcba y67ac w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcbb y67ac w6a9 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">31,899<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcbc y67ac w6aa h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">8,854<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcbd y67ac w6ab h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">20,770<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcbe y67ac w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcbf y67ac w6ac h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">29,624<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x236 y67ad w550 h212\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws0\">Equity shares<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcc0 y67ad w573 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">34<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcc1 y67ad w6ad h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcc2 y67ad w57c h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">1,167<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcc3 y67ad w16e h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">1,203<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcc4 y67ad w685 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">27<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcc5 y67ad w693 h212\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcc6 y67ad w6ae h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">965<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcc7 y67ad w59a h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">994<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y67af w6af h20b\"><div class=\"t m0 x1ed h13 y6716 ff5 fs7 fc3 sc0 ls7 ws7\">Total assets at 31 December</div><div class=\"t m0 xcc8 hd0 y67ae ff5 fs61 fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x6b4 y67b0 w6b0 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">112,192<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcc9 y67b0 w6b1 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">246,215<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcca y67b0 w349 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">12,338<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xccb y67b0 w575 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">370,745<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xccc y67b0 w6b2 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">88,299<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xccd y67b0 w6b3 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">252,056<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcce y67b0 w6b4 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">8,053<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xccf y67b0 w6b5 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">348,408<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x235 h13 y67b1 ff5 fs7 fc3 sc0 ls7 ws7\">Liabilities<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m0 x235 h13 y67b2 ff5 fs7 fc3 sc0 ls7 ws7\">Financial instruments held at fair value through profit <span class=\"_ _7\"></span>or loss<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x236 y67b3 w6b6 h212\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws0\">Deposits by banks<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcd0 y67b3 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcd1 y67b3 w186 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">2,059<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcd2 y67b3 w644 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">269<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcd3 y67b3 w6b7 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">2,328<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcd4 y67b3 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcd5 y67b3 w6b8 h212\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws7\">1,522<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcd6 y67b3 w30f h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">371<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcd7 y67b3 w6b9 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">1,893<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x236 y67b4 w6ba h212\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws0\">Customer accounts<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcd8 y67b4 w14e h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcd9 y67b4 w6bb h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">15,936<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcda y67b4 w6bc h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">3,478<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcdb y67b4 w6bd h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">19,414<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcdc y67b4 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcdd y67b4 w6a h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">19,058<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcde y67b4 w69b h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">2,714<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcdf y67b4 w6be h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">21,772<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x236 y67b5 w6bf h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">Repurchase agreements and other similar secured borrowing<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xce0 y67b5 w14e h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xce1 y67b5 w6c0 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">36,307<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xce2 y67b5 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xce3 y67b5 w6c0 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">36,307<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xce4 y67b5 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xce5 y67b5 w2ab h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">33,539<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xce6 y67b5 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xce7 y67b5 w2ab h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">33,539<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x236 y67b6 w6c1 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">Debt securities in issue<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xce8 y67b6 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xce9 y67b6 w6c2 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">14,925<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcea y67b6 w6c3 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">1,084<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xceb y67b6 w6c4 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">16,009<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc34 y67b6 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcec y67b6 w6c5 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">12,317<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xced y67b6 w6c6 h212\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws7\">1,414<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcee y67b6 w6c7 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">13,731<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x236 y67b7 w6c8 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">Short positions<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcef y67b7 w6c9 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">8,674<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcf0 y67b7 w10f h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">6,789<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcf1 y67b7 w6ca h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">76<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcf2 y67b7 w3ea h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">15,539<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcf3 y67b7 w6cb h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">8,789<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcf4 y67b7 w6cc h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">5,558<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcf5 y67b7 w6cd h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">180<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcf6 y67b7 w6ce h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">14,527<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y67b8 w556 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">Derivative financial instruments<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcf7 y67b8 w6cf h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">380<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcf8 y67b8 w2c4 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">67,598<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcf9 y67b8 w6d0 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">226<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcfa y67b8 w6d1 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">68,204<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcfb y67b8 w6d2 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">419<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcfc y67b8 w6d3 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">81,387<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcfd y67b8 w6d4 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">258<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcfe y67b8 w235 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">82,064<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x247 hb y67b9 ff4 fs7 fc3 sc0 ls7 ws7\">Of which:<span class=\"_ _3eb\"> </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 y67ba w677 h212\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws0\">Foreign exchange<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc79 y67ba w6d5 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">155<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcff y67ba w6d6 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">56,427<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd00 y67ba w18a h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">21<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd01 y67ba w6d7 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">56,603<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd02 y67ba w6d8 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">183<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd03 y67ba w6d9 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">69,684<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd04 y67ba w6da h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls0 ws0\">8<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd05 y67ba w6db h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">69,875<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x248 y67bb w680 h212\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws0\">Interest rate<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc81 y67bb w6dc h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">83<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd06 y67bb w6dd h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">6,464<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd07 y67bb w6de h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">22<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd08 y67bb w661 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">6,569<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd09 y67bb w6df h212\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws7\">14<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd0a y67bb w6e0 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">8,586<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd0b y67bb w6e1 h212\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws7\">23<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd0c y67bb w6e2 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">8,623<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x248 y6747 w688 h212\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws7\">Credit<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc89 y6747 w14e h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd0d y6747 w193 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">1,958<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd0e y6747 w6e3 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">128<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd0f y6747 w598 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">2,086<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd10 y6747 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd11 y6747 w6e4 h212\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws7\">2,131<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd12 y6747 w6e5 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">189<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd13 y6747 w6e6 h212\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws7\">2,320<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x248 y6748 w68f h212\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws0\">Equity and stock index options<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc91 y6748 w14e h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd14 y6748 w18e h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">428<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd15 y6748 w6e7 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">54<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd16 y6748 w6e8 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">482<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc8d y6748 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd17 y6748 w6e9 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">157<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd18 y6748 w67e h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">37<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd19 y6748 w6d2 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">194<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x248 y67bc w695 h212\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws7\">Commodity<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd1a y67bc w6ea h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">142<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd1b y67bc w6eb h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">2,321<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd1c y67bc w6ec h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd1d y67bc w6ed h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">2,464<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd1e y67bc w6ee h212\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws7\">222<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd1f y67bc w6ef h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">829<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd20 y67bc w6f0 h212\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd21 y67bc w6f1 h212\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws7\">1,052<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y674a w6f2 h20b\"><div class=\"t m0 x1ed hb2 y65af ff5 fs7 fc3 sc0 ls7 ws7\">Total liabilities at 31 December<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd22 y674a w2c7 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">9,054<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd23 y674a w6f3 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">143,614<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd24 y674a w6f4 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">5,133<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd25 y674a w366 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">157,801<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd26 y674a w6f5 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">9,208<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd27 y674a w6f6 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">153,381<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd28 y674a w4d9 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">4,937<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd29 y674a w6f7 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">167,526<span class=\"_ _3eb\"> </span></div></td></tr></table>1 <span class=\"_ _b\"> </span><span class=\"ff4\">Includes covered bonds of $3,045 million (2024: $3,727 million), securities issued by Multilateral <span class=\"_ _7\"></span>Development Banks/International Organisations of $16,039 million </span>(2024: $10,679 million), and State-owned agencies and development <span class=\"_ _7\"></span>banks of $27,449 million(2024: $16,759 million).<span class=\"_ _3eb\"> </span>2 <span class=\"_ _f\"> </span><span class=\"ff4\">The table above does not include held for sale assets of nil <span class=\"_ _7\"></span>million (2024: $5 million) .These are reported in <span class=\"_ _7\"></span>Note 21 together with their fair value hierarchy.<span class=\"_ _3eb\"> </span></span>The fair value of financial assets <span class=\"_ _7\"></span>and financial liabilities classified as Level 2 <span class=\"_ _7\"></span>in the fair value hierarchy that <span class=\"_ _7\"></span>are subject to<span class=\"_ gs36\"> </span>complex modelling techniques is $327 million <span class=\"_ _7\"></span>(2024: $739 million) and $314 million (2024: <span class=\"_ _7\"></span>$320 million) respectively.<span class=\"_ _3eb\"> </span>There were no significant changes to <span class=\"_ _7\"></span>valuation or levelling approaches in 2025.<span class=\"_ _3eb\"> </span>There were no significant transfers of <span class=\"_ _7\"></span>financial assets and liabilities measured at fair <span class=\"_ _7\"></span>value between Level 1 and Level <span class=\"_ _7\"></span>2 during<span class=\"_ gs36\"> </span>the year.<span class=\"_ _3eb\"> </span>Fair value hierarchy <span class=\"_ _7\"></span>\u2013 financial <span class=\"_ _7\"></span>instruments measured at <span class=\"_ _7\"></span>amortised cost<span class=\"_ _3eb\"> </span>The following table shows the carrying <span class=\"_ _7\"></span>amounts and incorporates the Group\u2019s estimate of <span class=\"_ _7\"></span>fair values of those financial assets and liabilities not presented on the <span class=\"_ _7\"></span>Group\u2019s balance sheet at fair value. These <span class=\"_ _7\"></span>fair values may be different from <span class=\"_ _7\"></span>the actual amount that will be received or <span class=\"_ _7\"></span>paid on the settlement or maturity of <span class=\"_ _7\"></span>the financial instrument. For certain instruments, <span class=\"_ _7\"></span>the fair value may be determined using assumptions <span class=\"_ _7\"></span>for which no observable prices are available.<span class=\"_ _3eb\"> </span><table class=\"s w6f8 h24c\" id=\"_a19260c6-28f9-4243-a762-63ab8d6ff0c6\"><tr><td></td><td></td><td></td><td class=\"c n x527 y67bd w281 h21e\"><div class=\"t m0 x1ed h14f y6611 ff5 fs64 fc0 sc0 ls50 ws5b\">2025<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td></td><td></td><td class=\"c n xd2a y67bd w6f9 h209\"><div class=\"t m0 x1ed h14f y6611 ff1 fs64 fc3 sc0 ls50 ws5b\">2024<span class=\"_ _3eb\"> </span></div></td><td></td><td></td></tr><tr><td></td><td class=\"t m0 x534 h14f y67be ff5 fs64 fc0 sc0 ls50 ws5b\">Carrying </td><td></td><td class=\"t m0 xd2b h14f y67bf ff5 fs64 fc0 sc0 ls50 ws5b\">Fair value<span class=\"_ _3eb\"> </span></td><td></td><td></td><td class=\"t m0 x539 h151 y67be ff1 fs64 fc3 sc0 ls50 ws5b\">Carrying </td><td></td><td class=\"t m0 xb9e h151 y67bf ff1 fs64 fc3 sc0 ls50 ws0\">Fair value<span class=\"_ _3eb\"> </span></td><td></td><td></td></tr><tr><td></td><td class=\"t m0 xd2c h14f y67c0 ff5 fs64 fc0 sc0 ls50 ws5b\">value<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xd2d h14f y67c0 ff5 fs64 fc0 sc0 ls50 ws5b\">Level 1<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xd2e h14f y67c0 ff5 fs64 fc0 sc0 ls50 ws5b\">Level 2<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xd2f h14f y67c0 ff5 fs64 fc0 sc0 ls50 ws5b\">Level 3<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x538 h14f y67c0 ff5 fs64 fc0 sc0 ls50 ws5b\">Total<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xd30 h151 y67c0 ff1 fs64 fc3 sc0 ls50 ws5b\">value<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xd31 h151 y67c0 ff1 fs64 fc3 sc0 ls50 ws0\">Level 1<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xd32 h151 y67c0 ff1 fs64 fc3 sc0 ls50 ws0\">Level 2<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xd33 h151 y67c0 ff1 fs64 fc3 sc0 ls50 ws0\">Level 3<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x53d h151 y67c0 ff1 fs64 fc3 sc0 ls50 ws5b\">Total<span class=\"_ _3eb\"> </span></td></tr><tr><td></td><td class=\"t m0 x53e h14f y67c1 ff5 fs64 fc0 sc0 ls50 ws5b\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x53f h14f y67c1 ff5 fs64 fc0 sc0 ls50 ws5b\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x540 h14f y67c1 ff5 fs64 fc0 sc0 ls50 ws5b\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x541 h14f y67c1 ff5 fs64 fc0 sc0 ls50 ws5b\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x542 h14f y67c1 ff5 fs64 fc0 sc0 ls50 ws5b\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x543 h153 y67c1 ff4 fs64 fc3 sc0 ls50 ws5b\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x544 h153 y67c1 ff4 fs64 fc3 sc0 ls50 ws5b\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x545 h153 y67c1 ff4 fs64 fc3 sc0 ls50 ws5b\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x546 h153 y67c1 ff4 fs64 fc3 sc0 ls50 ws5b\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x547 h153 y67c1 ff4 fs64 fc3 sc0 ls50 ws5b\">$million<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"t m0 x221 h13 y67c2 ff5 fs7 fc3 sc0 ls7 ws7\">Assets<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1ee y67c3 w53e h241\"><div class=\"t m0 x1ed hba y65a9 ff1 fs7 fc3 sc0 ls7 ws0\">Cash and balances at central banks</div><div class=\"t m0 x9db hd1 y65aa ff1 fs61 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd34 y67c4 w53f h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">77,746<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd35 y67c4 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd36 y67c4 w6fa h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">77,746<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd37 y67c4 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd38 y67c4 w6fa h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">77,746<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd39 y67c4 w579 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">63,447<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd3a y67c4 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd3b y67c4 w579 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">63,447<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd3c y67c4 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd3d y67c4 w579 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">63,447<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y67c5 w642 h20d\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws0\">Loans and advances to banks<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd3e y67c5 w6fb h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">43,901<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd3f y67c5 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd40 y67c5 w6fc h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">43,834<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd41 y67c5 w6dc h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">83<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd42 y67c5 w1bd h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">43,917<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd43 y67c5 w6fd h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">43,593<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd44 y67c5 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd45 y67c5 w6fe h20d\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws7\">43,430<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd46 y67c5 w6ff h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">165<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd47 y67c5 w700 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">43,595<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x40a hb y67c6 ff4 fs7 fc3 sc0 ls7 ws7\">of which \u2013 reverse repurchase </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m0 x40a hb y67c7 ff4 fs7 fc3 sc0 ls7 ws7\">agreements and other similar </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x40b y67c8 w547 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">secured<span class=\"_ gs1a2\"> </span>lending<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd48 y67c8 w55f h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">3,724<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd49 y67c8 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd4a y67c8 w670 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">3,733<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd4b y67c8 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd4c y67c8 w670 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">3,733<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd4d y67c8 w701 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">2,946<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd4e y67c8 w14f h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd4f y67c8 w702 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">2,948<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd50 y67c8 w14f h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd51 y67c8 w702 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">2,948<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y67c9 w645 h20d\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws0\">Loans and advances to customers<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd52 y67c9 w2e5 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">286,788<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd53 y67c9 w14e h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd54 y67c9 w55a h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">28,759<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd55 y67c9 w703 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">257,093<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd56 y67c9 w704 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">285,852<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd57 y67c9 w705 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">281,032<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd58 y67c9 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd59 y67c9 w706 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">40,582<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd5a y67c9 w707 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">238,986<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd5b y67c9 w708 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">279,568<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x40a hb y67ca ff4 fs7 fc3 sc0 ls7 ws7\">of which \u2013 reverse repurchase </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m0 x40a hb y67cb ff4 fs7 fc3 sc0 ls7 ws7\">agreements and other similar </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x40b y67cc w547 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">secured<span class=\"_ gs1a2\"> </span>lending<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd5c y67cc w709 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">8,242<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd5d y67cc w14e h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd5e y67cc w709 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">8,242<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd5f y67cc w14e h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd60 y67cc w709 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">8,242<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd61 y67cc w594 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">9,660<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd62 y67cc w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd63 y67cc w70a h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">9,618<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd64 y67cc w70b h20d\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws7\">42<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd65 y67cc w594 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">9,660<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y67cd w70c h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">Investment securities</div><div class=\"t m0 xd66 hd1 y659f ff1 fs61 fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd34 y67ce w70d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">57,250<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd67 y67ce w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd68 y67ce w70e h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">56,427<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd69 y67ce w14e h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd6a y67ce w6d6 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">56,427<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd6b y67ce w598 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">55,137<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd6c y67ce w14f h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd6d y67ce w2cc h20d\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws7\">53,050<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd6e y67ce w70b h20d\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws7\">24<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd6f y67ce w70f h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">53,074<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y67cf w710 h241\"><div class=\"t m0 x1ed hba y65a9 ff1 fs7 fc3 sc0 ls7 ws0\">Other assets</div><div class=\"t m0 xd70 hd1 y65aa ff1 fs61 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd71 y67d0 w711 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">36,770<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd72 y67d0 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd73 y67d0 w711 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">36,770<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd74 y67d0 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd75 y67d0 w711 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">36,770<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd76 y67d0 w712 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">34,585<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd77 y67d0 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd78 y67d0 w59e h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">34,585<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd79 y67d0 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd7a y67d0 w59e h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">34,585<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y67d1 w56e h20d\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws0\">Assets held for sale<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd7b y67d1 w56f h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">1,042<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd7c y67d1 w713 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">74<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd7d y67d1 w714 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">178<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd7e y67d1 w715 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">790<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd7f y67d1 w716 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">1,042<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd80 y67d1 w717 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">884<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd81 y67d1 w179 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">58<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd82 y67d1 w718 h20d\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws7\">353<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd83 y67d1 w719 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">473<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd84 y67d1 w717 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">884<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y67d2 w71a h20b\"><div class=\"t m0 x1ed hb2 y65af ff5 fs7 fc3 sc0 ls7 ws7\">Total as at 31 December<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd85 y67d2 w71b h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">503,497<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd86 y67d2 w713 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">74<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd87 y67d2 w71c h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">243,714<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd88 y67d2 w71d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">257,966<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd89 y67d2 w71e h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">501,754<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd8a y67d2 w71f h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">478,678<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd8b y67d2 w179 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">58<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd8c y67d2 w64b h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">235,447<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd8d y67d2 w720 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">239,648<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd8e y67d2 w721 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">475,153<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x221 h13 y67d3 ff5 fs7 fc3 sc0 ls7 ws7\">Liabilities<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y67d4 w6b6 h20d\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws0\">Deposits by banks<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd8f y67d4 w722 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">30,846<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd90 y67d4 w14e h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd91 y67d4 w723 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">30,846<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd92 y67d4 w14e h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd93 y67d4 w722 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">30,846<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd94 y67d4 w724 h20d\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws7\">25,400<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd95 y67d4 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd96 y67d4 w725 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">25,238<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd97 y67d4 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd98 y67d4 w725 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">25,238<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y67d5 w6ba h20d\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws0\">Customer accounts<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd99 y67d5 w726 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">530,161<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd53 y67d5 w14e h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd9a y67d5 w727 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">526,569<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd9b y67d5 w14e h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd9c y67d5 w727 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">526,569<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd9d y67d5 w728 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">464,489<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd9e y67d5 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd9f y67d5 w729 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">461,549<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xda0 y67d5 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xda1 y67d5 w729 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">461,549<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y67d6 w72a h24d\"><div class=\"t m0 x1ed hba y65b6 ff1 fs7 fc3 sc0 ls7 ws0\">Repurchase agreements and other<span class=\"_ _3eb\"> </span></div><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">similar<span class=\"_ gs1a2\"> </span>secured borrowing<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xda2 y67d6 w72b h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">7,757<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xda3 y67d6 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xda4 y67d6 w72c h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">7,757<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xda5 y67d6 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xda6 y67d6 w72c h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">7,757<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xda7 y67d6 w72d h212\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws7\">12,132<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd58 y67d6 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xda8 y67d6 w72e h212\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws7\">12,133<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xda9 y67d6 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdaa y67d6 w72f h212\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws7\">12,133<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y67d7 w6c1 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">Debt securities in issue<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdab y67d7 w730 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">72,858<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdac y67d7 w731 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">36,578<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdad y67d7 w732 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">36,392<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdae y67d7 w14e h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdaf y67d7 w733 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">72,970<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdb0 y67d7 w734 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">64,609<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdb1 y67d7 w735 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">32,209<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdb2 y67d7 w736 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">32,181<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdb3 y67d7 w14f h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdb4 y67d7 w737 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">64,390<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y65bd w738 h243\"><div class=\"t m0 x1ed hb y671e ff4 fs7 fc3 sc0 ls7 ws7\">Subordinated liabilities and other<span class=\"_ _3eb\"> </span></div><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws0\">borrowed funds<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdb5 y65bd w739 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">8,834<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdb6 y65bd w311 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">8,045<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdb7 y65bd w73a h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">607<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdb8 y65bd w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdb9 y65bd w643 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">8,652<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdba y65bd w73b h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">10,382<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdbb y65bd w73c h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">9,599<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdbc y65bd w73d h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">429<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdbd y65bd w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdbe y65bd w6fd h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">10,028<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y67d8 w73e h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">Other liabilities\u00b9<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdbf y67d8 w73f h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">45,788<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdc0 y67d8 w14e h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdc1 y67d8 w740 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">45,788<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdc2 y67d8 w14e h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdc3 y67d8 w740 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">45,788<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdc4 y67d8 w741 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">44,047<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdc5 y67d8 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdc6 y67d8 w742 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">44,047<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdc7 y67d8 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdc8 y67d8 w742 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">44,047<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y67d9 w743 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">Liabilities held for sale<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdc9 y67d9 w744 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">908<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdca y67d9 w745 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">147<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdcb y67d9 w746 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">761<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdcc y67d9 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdcd y67d9 w747 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">908<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdce y67d9 w748 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">360<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdcf y67d9 w749 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">89<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdd0 y67d9 w74a h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">271<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdd1 y67d9 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdd2 y67d9 w74b h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">360<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6567 w71a h20b\"><div class=\"t m0 x1ed hb2 y65af ff5 fs7 fc3 sc0 ls7 ws7\">Total as at 31 December<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdd3 y6567 w74c h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">697,152<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdd4 y6567 w74d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">44,770<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdd5 y6567 w74e h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">648,720<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdd6 y6567 w14e h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdd7 y6567 w74f h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">693,490<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdd8 y6567 w4e9 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">621,419<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdd9 y6567 w750 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">41,897<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdda y6567 w23e h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">575,848<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xda9 y6567 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xddb y6567 w751 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">617,745<span class=\"_ _3eb\"> </span></div></td></tr></table>1 <span class=\"_ _b\"> </span><span class=\"ff4\">The carrying amount of these financial instruments is considered to be a reasonable <span class=\"_ _7\"></span>approximation of fair value as they are short-term <span class=\"_ _7\"></span>in nature or reprice </span>to<span class=\"_ gs1a2\"> </span>current market rates frequently.<span class=\"_ _3eb\"> </span>2 <span class=\"_ _f\"> </span><span class=\"ff4\">Includes Government bonds and Treasury bills of $27,813 million at 31 December <span class=\"_ _7\"></span>2025 (31 December 2024: $23,150 million).<span class=\"_ _3eb\"> </span></span>Loans and advances to customers by client segment1<span class=\"_ _3eb\"> </span><table class=\"s w752 h24e\" id=\"_f5f22e35-2c01-434c-823d-917d99dcff21\"><tr><td></td><td></td><td></td><td class=\"c n xddc y67da w281 h24f\"><div class=\"t m0 x1ed h14f y6611 ff5 fs64 fc0 sc0 ls50 ws5b\">2025<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td class=\"c n xddd y67da w6f9 h250\"><div class=\"t m0 x1ed h14f y6611 ff1 fs64 fc3 sc0 ls50 ws5b\">2024<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"c n xdde y67db w753 h24f\"><div class=\"t m0 x1ed h14f y6611 ff5 fs64 fc0 sc0 ls50 ws5b\">Carrying value<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td class=\"c n xddf y67db w537 h24f\"><div class=\"t m0 x1ed h14f y6611 ff5 fs64 fc0 sc0 ls50 ws5b\">Fair value<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td class=\"c n xde0 y67db w754 h250\"><div class=\"t m0 x1ed h14f y6611 ff1 fs64 fc3 sc0 ls50 ws0\">Carrying value<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td class=\"c n xde1 y67db w755 h250\"><div class=\"t m0 x1ed h14f y6611 ff1 fs64 fc3 sc0 ls50 ws0\">Fair value<span class=\"_ _3eb\"> </span></div></td><td></td></tr><tr><td></td><td></td><td class=\"t m0 xde2 h14f y67dc ff5 fs64 fc0 sc0 ls50 ws5b\">Stage 1 and </td><td></td><td></td><td class=\"t m0 xde3 h14f y67dc ff5 fs64 fc0 sc0 ls50 ws5b\">Stage 1 and </td><td></td><td></td><td class=\"t m0 xde4 h151 y67dc ff1 fs64 fc3 sc0 ls50 ws0\">Stage 1 and </td><td></td><td></td><td class=\"t m0 xde5 h151 y67dc ff1 fs64 fc3 sc0 ls50 ws0\">Stage 1 and </td><td></td></tr><tr><td></td><td class=\"t m0 xde6 h14f y67dd ff5 fs64 fc0 sc0 ls50 ws5b\">Stage 3<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xde7 h14f y67dd ff5 fs64 fc0 sc0 ls50 ws5b\">stage 2<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xd2c h14f y67dd ff5 fs64 fc0 sc0 ls50 ws5b\">Total<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xde8 h14f y67dd ff5 fs64 fc0 sc0 ls50 ws5b\">Stage 3<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xde9 h14f y67dd ff5 fs64 fc0 sc0 ls50 ws5b\">stage 2<span class=\"_ _3eb\"> </span></td><td></td><td class=\"t m0 x602 h151 y67dd ff1 fs64 fc3 sc0 ls50 ws0\">Stage 3<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xdea h151 y67dd ff1 fs64 fc3 sc0 ls50 ws0\">stage 2<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xdeb h151 y67dd ff1 fs64 fc3 sc0 ls50 ws5b\">Total<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xdec h151 y67dd ff1 fs64 fc3 sc0 ls50 ws0\">Stage 3<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x546 h151 y67dd ff1 fs64 fc3 sc0 ls50 ws0\">stage 2<span class=\"_ _3eb\"> </span></td><td></td></tr><tr><td></td><td class=\"t m0 xded h14f y67de ff5 fs64 fc0 sc0 ls50 ws5b\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xdee h14f y67de ff5 fs64 fc0 sc0 ls50 ws5b\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x53e h14f y67de ff5 fs64 fc0 sc0 ls50 ws5b\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x53f h14f y67de ff5 fs64 fc0 sc0 ls50 ws5b\">$million<span class=\"_ _3eb\"> </span></td><td class=\"c n xdef y67df w53d h24f\"><div class=\"t m0 x1ed h14f y6611 ff5 fs64 fc0 sc0 ls50 ws5b\">$million<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdf0 y67df w756 h24f\"><div class=\"t m0 x1ed h14f y6611 ff5 fs64 fc0 sc0 ls50 ws5b\">Total</div></td><td class=\"t m0 x542 h153 y67de ff4 fs64 fc3 sc0 ls50 ws5b\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x543 h153 y67de ff4 fs64 fc3 sc0 ls50 ws5b\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x544 h153 y67de ff4 fs64 fc3 sc0 ls50 ws5b\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x545 h153 y67de ff4 fs64 fc3 sc0 ls50 ws5b\">$million<span class=\"_ _3eb\"> </span></td><td class=\"c n xdf1 y67e1 w757 h251\"><div class=\"t m0 x1ed h153 y67e0 ff4 fs64 fc3 sc0 ls50 ws5b\">$million<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdf2 y67e1 w758 h250\"><div class=\"t m0 x1ed h153 y67e0 ff1 fs64 fc3 sc0 ls50 ws5b\">Total<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x221 hba y67e2 ff1 fs7 fc3 sc0 ls7 ws7\">Corporate </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m0 x221 hb y67e3 ff4 fs7 fc3 sc0 ls7 ws7\">&amp;<span class=\"_ gs1a2\"> </span>Investment </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y67e4 w759 h212\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws7\">Banking<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdf3 y67e4 w75a h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">1,987<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdf4 y67e4 w75b h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">140,193<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdf5 y67e4 w75c h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">142,180<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdf6 y67e4 w478 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">1,974<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdf7 y67e4 w75d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">140,463<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdf8 y67e4 w75e h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">142,437<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdf9 y67e4 w75f h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">1,298<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdfa y67e4 w760 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">137,006<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdfb y67e4 w761 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">138,304<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdfc y67e4 w762 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">1,174<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdfd y67e4 w763 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">137,234<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdfe y67e4 w764 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">138,408<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x221 hba y67e5 ff1 fs7 fc3 sc0 ls7 ws0\">Wealth &amp; </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y67e6 w765 h212\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws0\">Retail Banking<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdff y67e6 w766 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">877<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe00 y67e6 w767 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">126,100<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe01 y67e6 w768 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">126,977<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe02 y67e6 w769 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">875<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe03 y67e6 w76a h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">125,023<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe04 y67e6 w76b h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">125,898<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe05 y67e6 w76c h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">858<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe06 y67e6 w76d h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">118,390<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe07 y67e6 w76e h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">119,248<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe08 y67e6 w76c h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">858<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe09 y67e6 w76f h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">116,823<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe0a y67e6 w770 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">117,681<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y67e7 w771 h212\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws7\">Ventures<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe0b y67e7 w772 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">13<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe0c y67e7 w773 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">2,646<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe0d y67e7 w774 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">2,659<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe0e y67e7 w772 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">13<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe0f y67e7 w775 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">2,646<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe10 y67e7 w776 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">2,659<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe11 y67e7 w6f0 h212\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe12 y67e7 w777 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">1,388<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe13 y67e7 w6b9 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">1,389<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe14 y67e7 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe15 y67e7 w778 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">1,388<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe16 y67e7 w777 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">1,388<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x221 hba y67e8 ff1 fs7 fc3 sc0 ls7 ws0\">Central &amp; </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y67e9 w779 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">other<span class=\"_ gs1a2\"> </span>items<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe17 y67e9 w14e h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe18 y67e9 w77a h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">14,972<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe19 y67e9 w77a h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">14,972<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe1a y67e9 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe1b y67e9 w3b7 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">14,858<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe1c y67e9 w1e3 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">14,858<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe1d y67e9 w749 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">98<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe1e y67e9 w77b h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">21,993<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe1f y67e9 w77c h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">22,091<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe20 y67e9 w749 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">98<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe21 y67e9 w77b h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">21,993<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe22 y67e9 w77c h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">22,091<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y6567 w77d h252\"><div class=\"t m0 x1ed h13 y671e ff5 fs7 fc3 sc0 ls7 ws7\">Total as at<span class=\"_ _3eb\"> </span></div><div class=\"t m0 x1ed hb2 y65af ff5 fs7 fc3 sc0 ls7 ws7\">31 December<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe23 y6567 w77e h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">2,877<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe24 y6567 w77f h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">283,911<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe25 y6567 w2e5 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">286,788<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe26 y6567 w684 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">2,862<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe27 y6567 w780 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">282,990<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe28 y6567 w781 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">285,852<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe29 y6567 w782 h212\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws7\">2,255<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe2a y6567 w783 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">278,777<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe2b y6567 w705 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">281,032<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe2c y6567 w784 h212\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws7\">2,130<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe2d y6567 w785 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">277,438<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe2e y6567 w708 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">279,568<span class=\"_ _3eb\"> </span></div></td></tr></table>1 <span class=\"_ _b\"> </span><span class=\"ff4\">Loans and advances includes reverse repurchase agreements and other similar secured lending: carrying <span class=\"_ _7\"></span>value $8,242 million and fair value $8,243 million </span>(31 December 2024: $9,660 million and $9,660 million <span class=\"_ _7\"></span>respectively)<span class=\"_ _3eb\"> </span>.<span class=\"_ _3eb\"> </span>Fair value of <span class=\"_ _7\"></span>financial instruments<span class=\"_ _3eb\"> </span>Level 3 <span class=\"_ _7\"></span>Summary and <span class=\"_ _7\"></span>significant unobservable <span class=\"_ _1b\"></span>inputs<span class=\"_ _3eb\"> </span>The following table presents the Group\u2019s <span class=\"_ _7\"></span>primary Level 3 financial instruments which are <span class=\"_ _7\"></span>held at fair value. The table <span class=\"_ _7\"></span>also presents the valuation techniques used to <span class=\"_ _7\"></span>measure the fair value of those financial <span class=\"_ _7\"></span>instruments, the significant unobservable inputs, the range of values for <span class=\"_ _7\"></span>those inputs and the weighted average of <span class=\"_ _7\"></span>those inputs:<span class=\"_ _3eb\"> </span><table class=\"s w786 h253\" id=\"_7eb67cf7-040c-4137-b0a3-df567cf7d2bb\"><tr><td></td><td></td><td class=\"t m0 x2cb h38 y67ea ff5 fs17 fc0 sc0 ls21 ws20\">Value as at<span class=\"ff2 ls0 ws0\"> </span></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"t m0 xe2f h38 y67eb ff5 fs17 fc0 sc0 ls21 ws20\" colspan=\"2\">31 December 2025<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"t m0 xe30 h38 y67ec ff5 fs17 fc0 sc0 ls21 ws20\">Assets<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xe31 h38 y67ec ff5 fs17 fc0 sc0 ls21 ws20\">Liabilities<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td class=\"t m0 xe32 h39 y67ec ff1 fs17 fc3 sc0 ls21 ws20\">Weighted<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"t m0 x235 h39 y67ed ff1 fs17 fc3 sc0 ls21 ws20\">Instrument<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xe33 h38 y67ed ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xe34 h38 y67ed ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"c n xe35 y67ee w787 h215\"><div class=\"t m0 x1ed h2c y65c7 ff4 fs17 fc3 sc0 ls21 ws20\">Principal valuation technique<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe36 y67ee w788 h215\"><div class=\"t m0 x1ed h2c y65c7 ff4 fs17 fc3 sc0 ls21 ws20\">Significant unobservable<span class=\"_ gs490\"> </span>inputs<span class=\"_ _3eb\"> </span></div></td><td class=\"c xe38 y67ee w789 h254\"><div class=\"t m0 x1ed h2c y65c7 ff1 fs17 fc3 sc0 ls21 ws20\">Range</div><div class=\"t m0 xe37 h3a y65c8 ff1 fs19 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c xe3a y67ef w78a h228\"><div class=\"t m0 x1ed h39 y65c3 ff1 fs17 fc3 sc0 ls21 ws20\">average</div><div class=\"t m0 xe39 h3a y664d ff1 fs19 fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x235 h3b y67f0 ff1 fs5 fc3 sc0 ls5 ws0\">Loans and advances </td><td class=\"c n xe3b y67f1 w397 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">299<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe3c y67f1 w2bc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe3d y67f1 w78b h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Discounted cash flows<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe3e y67f1 w78c h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">Price/yield<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe3f y67f1 w78d h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">4.4% \u2013 4.9%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe40 y67f1 w78e h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">4.6%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x235 h1a y67f2 ff4 fs5 fc3 sc0 ls5 ws5\">to<span class=\"_ gs1a1\"> </span>banks<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m0 x235 h3b y67f3 ff1 fs5 fc3 sc0 ls5 ws0\">Loans and advances </td><td class=\"c n xe41 y67f4 w78f h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">3,464<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe42 y67f4 w2bc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe43 y67f4 w78b h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Discounted cash flows<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe44 y67f4 w78c h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">Price/yield<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe45 y67f4 w790 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">2.1% \u2013 61.3%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe46 y67f4 w791 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">8.9%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y67f5 w792 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">to<span class=\"_ gs1a1\"> </span>customers</div><div class=\"t m0 xe47 h3c y660d ff1 fs1b fc3 sc0 ls0 ws0\">3<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td></td><td class=\"c n xe48 y67f6 w793 h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Recovery rate<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe49 y67f6 w794 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">99.98% \u2013 99.99%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe4a y67f6 w795 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">99.99%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td></td><td></td><td class=\"c n xe35 y67f7 w348 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Comparable pricing/yield<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe4b y67f7 w796 h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">Price<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe4c y67f7 w797 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">29.4% \u2013 100%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe4d y67f7 w798 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">93.2%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x235 h3b y67f8 ff1 fs5 fc3 sc0 ls5 ws0\">Reverse repurchase </td><td class=\"c n xe41 y67f9 w799 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">3,684<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe4e y67f9 w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe4f y67f9 w78b h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Discounted cash flows<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe50 y67f9 w79a h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Repo curve<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe51 y67f9 w79b h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">0.7% \u2013 8.1%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe52 y67f9 w79c h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">5.4%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x235 h1a y67fa ff4 fs5 fc3 sc0 ls5 ws5\">agreements and other similar </td><td></td><td></td><td></td><td class=\"c n xe48 y67fb w78c h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Price/yield<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe3f y67fb w79d h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">4.1% \u2013 25.1%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe53 y67fb w32d h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">9.6%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x235 h3b y67fc ff1 fs5 fc3 sc0 ls5 ws0\">secured lending<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m0 x235 h1a y67fd ff4 fs5 fc3 sc0 ls5 ws5\">Debt securities, alternative </td><td class=\"c n xe54 y67fe w79e h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">3,324<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe55 y67fe w2bc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe56 y67fe w78b h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Discounted cash flows<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe57 y67fe w78c h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">Price/yield<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe58 y67fe w79f h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">2.6% \u2013 53.8%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe59 y67fe w542 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">7.7%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x235 h1a y67ff ff4 fs5 fc3 sc0 ls5 ws5\">tier one and other eligible </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m0 x235 h1a y6800 ff4 fs5 fc3 sc0 ls5 ws5\">securities<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m0 x235 h3b y6801 ff1 fs5 fc3 sc0 ls5 ws0\">Equity shares (includes </td><td class=\"c n xe5a y6802 w7a0 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">1,477<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe5b y6802 w2bc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c xe5d y6802 w7a1 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">Comparable pricing/yield</div><div class=\"t m0 xe5c h3c y6803 ff1 fs1b fc3 sc0 ls0 ws0\">4<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe48 y6804 w796 h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">Price<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe5e y6804 w3cc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">N/A<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe5f y6804 w7a2 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">N/A<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x235 h1a y6805 ff4 fs5 fc3 sc0 ls5 ws5\">private equity investments)<span class=\"_ _3eb\"> </span></td><td></td><td></td><td class=\"c n xe35 y6806 w78b h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Discounted cash flows<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe60 y6806 w7a3 h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Discount rates<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe61 y6806 w7a4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">8.2% \u2013 25.9%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe62 y6806 w5ce h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">10.5%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td></td><td></td><td class=\"c n xe35 y6807 w7a5 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Option pricing model<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe63 y6807 w7a6 h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Equity value based on<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe64 y6807 w7a7 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">5.4x \u2013 23.0x<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe65 y6807 w7a8 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">11.54x<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"t m0 x670 h1a y6808 ff4 fs5 fc3 sc0 ls5 ws5\">EV/Revenue multiples<span class=\"_ _3eb\"> </span></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"t m0 x670 h3b y6809 ff1 fs5 fc3 sc0 ls5 ws0\">Equity value based on </td><td class=\"c n x7e0 y680a w7a9 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">3.2x \u2013 3.2x<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe66 y680a w7aa h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">3.2x<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"t m0 x670 h1a y680b ff4 fs5 fc3 sc0 ls5 ws5\">EV/EBITDA multiples<span class=\"_ _3eb\"> </span></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"t m0 x670 h3b y680c ff1 fs5 fc3 sc0 ls5 ws0\">Equity value based on </td><td class=\"c n x392 y680d w7ab h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">40.0% \u2013 40.0%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe67 y680d w7ac h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">40.0%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"t m0 x670 h1a y680e ff4 fs5 fc3 sc0 ls5 ws5\">volatility<span class=\"_ _3eb\"> </span></td><td></td><td></td></tr><tr><td class=\"t m0 x235 h1a y680f ff4 fs5 fc3 sc0 ls5 ws5\">Derivative financial </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m0 x235 h1a y6810 ff4 fs5 fc3 sc0 ls5 ws5\">instruments of which:<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x236 y6811 w7ad h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Foreign exchange<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe68 y6811 w3a6 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">35<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe69 y6811 w74 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">21<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe6a y6811 w7a5 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">Option pricing model<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe6b y6811 w7ae h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Foreign exchange option<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe6c y6812 w7af h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">0.4% \u2013 44.6%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe6d y6812 w612 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">33.0%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"t m0 x670 h1a y6813 ff4 fs5 fc3 sc0 ls5 ws5\">implied volatility<span class=\"_ _3eb\"> </span></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td class=\"c n xe35 y6814 w78b h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Discounted cash flows<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe60 y6814 w7b0 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Interest rate curves<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe6e y6814 w7b1 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">0.3% \u2013 36.0%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe6f y6814 w7b2 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">14.3%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"c n xe48 y6815 w7b3 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Foreign exchange curves<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe70 y6815 w7b4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">1.3% \u2013 3.9%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe71 y6815 w7b5 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">1.7%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x236 y6816 w463 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">Commodity<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe72 y6816 w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe73 y6816 w2f1 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe74 y6816 w7b6 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Discounted cash flows<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe75 y6816 w7b7 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Commodity prices<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe76 y6816 w7b8 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">$0.2 \u2013 $341.2<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe77 y6816 w579 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">$62.4<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td></td><td></td><td class=\"c n xe35 y6817 w7b9 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Internal pricing model<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe78 y6817 w7ba h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">CM-CM correlation<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe79 y6817 w7bb h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">59.7% \u2013 97.4%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe7a y6817 w7bc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">78.6%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x236 y65e8 w7bd h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Interest rate<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe7b y65e8 w7be h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">46<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe7c y65e8 wac h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">22<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe7d y65e8 w78b h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Discounted cash flows<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe7e y65e8 w7b0 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Interest rate curves<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe7f y65e8 w7bf h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">3.5% \u2013 36.0%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe80 y65e8 w7c0 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">9.8%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x236 y65e9 w7c1 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">Credit<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe81 y65e9 w91 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">5<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe82 y65e9 w1e9 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">128<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe83 y65e9 w78b h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Discounted cash flows<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe84 y65e9 w7c2 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Credit spreads<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe85 y65e9 w7c3 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">0.9% \u2013 1.0%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe86 y65e9 w7c4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">0.9%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"c n xe48 y6818 w78c h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Price/yield<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe87 y6818 w7c5 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">2.7% \u2013 25.1%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe88 y6818 w7c6 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">7.3%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td></td><td></td><td class=\"c n xe35 y6819 w7b9 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Internal pricing model<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe78 y6819 w7c7 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Bond option implied<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe89 y6819 w7c8 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">5.0% \u2013 13.0%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe8a y6819 w7c9 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">10.8%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"t m0 x670 h1a y681a ff4 fs5 fc3 sc0 ls5 ws5\">volatility<span class=\"_ _3eb\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x236 y681b w7ca h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Equity and stock index<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe8b y681b w47b h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">4<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe8c y681b w4b2 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">54<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe8d y681b w7b9 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">Internal pricing model<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe8e y681b w7cb h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Equity-Equity correlation<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe8f y681b w7cc h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">50.8% \u2013 100%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe90 y681b w7cd h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">77.6%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"c n xe48 y681c w7ce h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Equity-FX correlation<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe91 y681c w7cf h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(26.9)% \u2013 46.8%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe92 y681c w7d0 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">6.7%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y681d wf2 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Deposits by banks<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe93 y681d w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe94 y681d w397 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">269<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe95 y681d w78b h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Discounted cash flows<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe96 y681d w7d1 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">Price/Yield<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe97 y681d w7d2 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">4.3% \u2013 6.1%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe98 y681d w7d3 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">5.7%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y681e wf5 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Customer accounts<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe99 y681e w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe9a y681e w7d4 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">3,478<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe9b y681e w7b9 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">Internal pricing model<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe9c y681e w7cb h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Equity-Equity correlation<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe9d y681e w7cc h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">50.8% \u2013 100%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe9e y681e w7cd h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">77.6%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"c n xe48 y681f w7ce h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Equity-FX correlation<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe91 y681f w7cf h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(26.9)% \u2013 46.8%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe92 y681f w7d0 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">6.7%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"c n xe48 y6820 w78c h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Price/yield<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe9f y6820 w7d5 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">2.6% \u2013 20.8%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xea0 y6820 wb3 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">8.7%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y65f3 w101 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">Debt securities in issue<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xea1 y65f3 w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xea2 y65f3 w317 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">1,084<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xea3 y65f3 w78b h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Discounted cash flows<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xea4 y65f3 w78c h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">Price/yield<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xea5 y65f3 w7d6 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">7.4% \u2013 19.0%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x21b y65f3 w7d7 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">17.1%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"c n xe48 y6821 w7b0 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Interest rate curves<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xea6 y6821 w7d8 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">3.6% \u2013 36.0%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xea7 y6821 w1bb h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">15.1%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td></td><td></td><td class=\"c n xe35 y6822 w7b9 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Internal pricing model<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe78 y6822 w7cb h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Equity-Equity correlation<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xea8 y6822 w7cc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">50.8% \u2013 100%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xea9 y6822 w7cd h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">77.6%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"c n xe48 y6823 w7ce h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Equity-FX correlation<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe91 y6823 w7cf h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(26.9)% \u2013 46.8%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe92 y6823 w7d0 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">6.7%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td></td><td></td><td class=\"c n xe35 y6824 w7a5 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Option pricing model<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe63 y6824 w7c7 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Bond option implied<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe89 y6824 w7c8 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">5.0% \u2013 13.0%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe8a y6824 w7c9 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">10.8%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"t m0 x670 h1a y6825 ff4 fs5 fc3 sc0 ls5 ws5\">volatility<span class=\"_ _3eb\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x1ee y6826 w5b5 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">Short positions<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xeaa y6826 w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xeab y6826 w7d9 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">76<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xeac y6826 w78b h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Discounted cash flows<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xead y6826 w78c h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">Price/yield<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xeae y6826 w7da h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">7.13% \u2013 7.13%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xeaf y6826 w7db h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">7.1%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6567 w49a h203\"><div class=\"t m0 x1ed h3d y655f ff5 fs5 fc3 sc0 ls5 ws5\">Total<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xeb0 y6567 w7dc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">12,338<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xeb1 y6567 w7dd h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">5,133<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td></td><td></td></tr></table>1 <span class=\"_ _b\"> </span><span class=\"ff4\">The ranges of values shown in the above table represent the highest and <span class=\"_ _7\"></span>lowest levels used in the valuation of the <span class=\"_ _7\"></span>Group\u2019s Level 3 financial instruments as at </span>31 December 2025. The ranges of values used <span class=\"_ _7\"></span>are reflective of the underlying characteristics of these <span class=\"_ _7\"></span>Level 3 financial instruments based on the market <span class=\"_ _7\"></span>conditions at<span class=\"_ gs1a2\"> </span>the balance sheet date. <span class=\"_ _7\"></span>However, these ranges of <span class=\"_ _7\"></span>values may not represent <span class=\"_ _7\"></span>the uncertainty in <span class=\"_ _7\"></span>fair value measurements of <span class=\"_ _7\"></span>the Group\u2019s Level 3 <span class=\"_ _7\"></span>financial instruments.<span class=\"_ _3eb\"> </span>2 <span class=\"_ _f\"> </span><span class=\"ff4\">Weighted average for non-derivative financial instruments has been calculated by weighting <span class=\"_ _7\"></span>inputs by the relative fair value. <span class=\"_ _7\"></span>Weighted average for derivatives has </span>been provided by weighting inputs by the risk <span class=\"_ _7\"></span>relevant to that variable. N/A has been entered <span class=\"_ _7\"></span>for the cases where weighted average is not <span class=\"_ _7\"></span>a meaningful indicator.<span class=\"_ _3eb\"> </span>3 <span class=\"_ _f\"> </span><span class=\"ff4\">The inputs for Loans and advances to customers under Discounted Cash flow technique <span class=\"_ _7\"></span>have been split to show as a separate <span class=\"_ _7\"></span>line under Comparable pricing/yield </span>for better representation of material inputs.<span class=\"_ _3eb\"> </span>4 <span class=\"_ _e\"> </span><span class=\"ff4\">The inputs for equity shares under Comparable pricing/yield technique have been consolidated <span class=\"_ _7\"></span>under \u2018Price\u2019 as they are not individually material.<span class=\"_ _3eb\"> </span></span><table class=\"s w7de h255\" id=\"_ab9c0f7e-fe1d-4823-a74e-866441c836b3\"><tr><td></td><td></td><td class=\"t m0 xeb2 h39 y6827 ff1 fs17 fc3 sc0 ls21 ws0\">Value as at<span class=\"ls0\"> </span></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"t m0 xeb3 h39 y6828 ff1 fs17 fc3 sc0 ls21 ws0\" colspan=\"2\">31 December 2024<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"t m0 xeb4 h39 y6829 ff1 fs17 fc3 sc0 ls21 ws20\">Assets<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xeb5 h2c y6829 ff4 fs17 fc3 sc0 ls21 ws20\">Liabilities<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td class=\"t m0 xeb6 h39 y6829 ff1 fs17 fc3 sc0 ls21 ws20\">Weighted<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"t m0 x221 h39 y682a ff1 fs17 fc3 sc0 ls21 ws20\">Instrument<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xeb3 h2c y682a ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xeb7 h2c y682a ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"c n xeb8 y682b w787 h215\"><div class=\"t m0 x1ed h2c y65c7 ff4 fs17 fc3 sc0 ls21 ws20\">Principal valuation technique<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xeb9 y682b w788 h215\"><div class=\"t m0 x1ed h2c y65c7 ff4 fs17 fc3 sc0 ls21 ws20\">Significant unobservable<span class=\"_ gs490\"> </span>inputs<span class=\"_ _3eb\"> </span></div></td><td class=\"c xebb y682b w7df h256\"><div class=\"t m0 x1ed h2c y65c7 ff1 fs17 fc3 sc0 ls21 ws20\">Range</div><div class=\"t m0 xeba h3a y65c8 ff1 fs19 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c xebd y682c w7e0 h257\"><div class=\"t m0 x1ed h39 y65c3 ff1 fs17 fc3 sc0 ls21 ws20\">average</div><div class=\"t m0 xebc h3a y664d ff1 fs19 fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x221 h3b y682d ff1 fs5 fc3 sc0 ls5 ws0\">Loans and advances </td><td class=\"c n xebe y682e w335 h1ff\"><div class=\"t m0 x1ed h1a y6640 ff4 fs5 fc3 sc0 ls5 ws5\">1,937<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xebf y682e w2bc h1ff\"><div class=\"t m0 x1ed h1a y6640 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xec0 y682e w78b h1fe\"><div class=\"t m0 x1ed h1a y6640 ff1 fs5 fc3 sc0 ls5 ws0\">Discounted cash flows<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xec1 y682e w78c h1ff\"><div class=\"t m0 x1ed h1a y6640 ff4 fs5 fc3 sc0 ls5 ws5\">Price/yield<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xec2 y682e w7e1 h1ff\"><div class=\"t m0 x1ed h1a y6640 ff4 fs5 fc3 sc0 ls5 ws5\">1.0% \u2013 26.1%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xec3 y682e w542 h1ff\"><div class=\"t m0 x1ed h1a y6640 ff4 fs5 fc3 sc0 ls5 ws5\">7.7%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y6830 w7e2 h1ff\"><div class=\"t m0 x1ed h1a y6640 ff4 fs5 fc3 sc0 ls5 ws5\">to<span class=\"_ gs1a1\"> </span>customers</div><div class=\"t m0 xec4 h3c y682f ff1 fs1b fc3 sc0 ls0 ws0\">3<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td></td><td class=\"c n xec5 y6831 w793 h1fe\"><div class=\"t m0 x1ed h1a y6640 ff1 fs5 fc3 sc0 ls5 ws0\">Recovery rate<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xec6 y6831 w7e3 h1ff\"><div class=\"t m0 x1ed h1a y6640 ff4 fs5 fc3 sc0 ls5 ws5\">93.2% \u2013 95.6%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xec7 y6831 w7e4 h1ff\"><div class=\"t m0 x1ed h1a y6640 ff4 fs5 fc3 sc0 ls5 ws5\">95.1%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td></td><td></td><td class=\"c n xeb8 y6832 w348 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Comparable pricing/yield<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xec8 y6832 w796 h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">Price<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xec9 y6832 w7e5 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">1.2% \u2013 100%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xeca y6832 w7e6 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">89.9%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x221 h3b y6833 ff1 fs5 fc3 sc0 ls5 ws0\">Reverse repurchase </td><td class=\"c n xecb y6834 w7e7 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">3,239<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xecc y6834 w2bc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xecd y6834 w78b h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Discounted cash flows<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xece y6834 w7e8 h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Repo curve<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xecf y6834 w7e9 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">2.0% \u2013 7.6%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xed0 y6834 w1d8 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">6.2%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y6835 w7ea h247\"><div class=\"t m0 x1ed h3b y65dd ff1 fs5 fc3 sc0 ls5 ws0\">agreements and other<span class=\"_ _3eb\"> </span></div><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">similar<span class=\"_ gs1a1\"> </span>secured lending<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td></td><td class=\"c n xec5 y6836 w78c h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Price/yield<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xed1 y6836 w7eb h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">2.3% \u2013 10.5%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xed2 y6836 w7ec h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">6.4%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x221 h1a y6837 ff4 fs5 fc3 sc0 ls5 ws5\">Debt securities, alternative </td><td class=\"c n xed3 y6838 w654 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">1,584<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xed4 y6838 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xed5 y6838 w78b h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Discounted cash flows<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xed6 y6838 w7ed h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Price/yield<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xed7 y6838 w7ee h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">0.7% \u2013 15.3%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xed8 y6838 w32d h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">6.9%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x221 h1a y6839 ff4 fs5 fc3 sc0 ls5 ws5\">tier one and other eligible </td><td></td><td></td><td></td><td class=\"c n xec5 y683a w793 h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Recovery rate<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xed9 y683a w7ef h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">0.01% \u2013 16.3%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xeda y683a w460 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">9.2%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x221 h1a y683b ff4 fs5 fc3 sc0 ls5 ws5\">securities<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1ee y683c w7f0 h258\"><div class=\"t m0 x1ed h3b y6751 ff1 fs5 fc3 sc0 ls5 ws0\">Government bonds and<span class=\"_ _3eb\"> </span></div><div class=\"t m0 x1ed h3b y6600 ff1 fs5 fc3 sc0 ls5 ws0\">treasury bills<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xedb y683d w7f1 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">9<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xedc y683d w2bc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xedd y683d w78b h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Discounted cash flows<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xede y683d w78c h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Price/yield<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xedf y683d w7f2 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">23.5% \u2013 23.5%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xee0 y683d w7f3 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">23.5%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x221 h3b y683e ff1 fs5 fc3 sc0 ls5 ws0\">Equity shares (includes </td><td class=\"c n xee1 y683f w7f4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">1,156<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xee2 y683f w2bc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c xee4 y683f w7f5 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Comparable pricing/yield</div><div class=\"t m0 xee3 h3c y660d ff1 fs1b fc3 sc0 ls0 ws0\">4<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xec5 y683f w7f6 h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">Price<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xee5 y683f w3cc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">N/A<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xee6 y683f w7a2 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">N/A<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x221 h1a y6840 ff4 fs5 fc3 sc0 ls5 ws5\">private equity investments)<span class=\"_ _3eb\"> </span></td><td></td><td></td><td class=\"c n xeb8 y6841 w78b h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Discounted cash flows<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xee7 y6841 w7a3 h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Discount rates<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xee8 y6841 w7f7 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">8.3% \u2013 20.4%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xee9 y6841 w147 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">10.1%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td></td><td></td><td class=\"c n xeb8 y6842 w7a5 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Option pricing model<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xeea y6842 w7a6 h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Equity value based on<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xeeb y6842 w7f8 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">5.7x \u2013 23.6x<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xeec y6842 w7f9 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">16.2x<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"t m0 x9cb h1a y6843 ff4 fs5 fc3 sc0 ls5 ws5\">EV/Revenue multiples<span class=\"_ _3eb\"> </span></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"t m0 x9cb h3b y6844 ff1 fs5 fc3 sc0 ls5 ws0\">Equity value based on </td><td class=\"c n xeeb y6845 w7fa h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">10.1x \u2013 10.1x<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xeed y6845 w85 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">10.1x<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"t m0 x9cb h1a y6846 ff4 fs5 fc3 sc0 ls5 ws5\">EV/EBITDA multiples<span class=\"_ _3eb\"> </span></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"t m0 x9cb h3b y6847 ff1 fs5 fc3 sc0 ls5 ws0\">Equity value based on </td><td class=\"c n xeee y6848 w7fb h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">30.2% \u2013 50.0%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xeef y6848 w7fc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">30.5%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"t m0 x9cb h1a y6849 ff4 fs5 fc3 sc0 ls5 ws5\">volatility<span class=\"_ _3eb\"> </span></td><td></td><td></td></tr><tr><td class=\"t m0 x221 h1a y684a ff4 fs5 fc3 sc0 ls5 ws5\">Derivative financial </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m0 x221 h1a y684b ff4 fs5 fc3 sc0 ls5 ws5\">instruments of which:<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x40b y684c w7ad h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Foreign exchange<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xef0 y684c w7fd h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">37<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xef1 y684c w7fe h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">8<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xef2 y684c w7ff h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Option pricing <span class=\"_ _7\"></span>model<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xef3 y684c w800 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Foreign exchange option<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xef4 y684c w801 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">10.2% \u2013 46.2%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xef5 y684c w802 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">42.0%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"t m0 x9cb h1a y684d ff4 fs5 fc3 sc0 ls5 ws5\">implied volatility<span class=\"_ _3eb\"> </span></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"c n xec5 y684e w7b0 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Interest rate curves<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xef6 y684e w803 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">3.5% \u2013 9.0%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xef7 y684e w804 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">4.2%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"c n xec5 y684f w7b3 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Foreign exchange curves<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xef8 y684f w805 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(0.03)% \u2013 34.3%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xef9 y684f w806 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">6.1%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x40b y6850 w463 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">Commodity<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xefa y6850 w2bc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xefb y6850 w41a h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xefc y6850 w78b h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Discounted cash flows<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xefd y6850 w807 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Commodity prices<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xefe y6850 w808 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">$383.0 \u2013 <span class=\"_ _7\"></span>$391.0<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xeff y6850 w809 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">$387.0<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"c n xec5 y6851 w7ba h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">CM-CM correlation<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf00 y6851 w80a h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">73.7% \u2013 97.9%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf01 y6851 w80b h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">86.0%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x40b y6852 w7bd h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Interest rate<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf02 y6852 w80c h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">80<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf03 y6852 wa2 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">23<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf04 y6852 w78b h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Discounted cash flows<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf05 y6852 w80d h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Interest rate curves<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf06 y6852 w80e h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">3.5% \u2013 43.9%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf07 y6852 w80f h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">5.1%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td></td><td></td><td class=\"c n xeb8 y6853 w7a5 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Option pricing model<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xeea y6853 w7c7 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Bond option implied<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf08 y6853 w810 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">2.3% \u2013 4.7%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf09 y6853 w811 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">3.5%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"t m0 x9cb h1a y6854 ff4 fs5 fc3 sc0 ls5 ws5\">volatility<span class=\"_ _3eb\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x40b y6855 w7c1 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">Credit<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf0a y6855 wa8 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">9<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf0b y6855 w421 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">189<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf0c y6855 w78b h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Discounted cash flows<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf0d y6855 w812 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Credit spreads<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf0e y6855 w813 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">0.1% \u2013 1.9%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf0f y6855 w539 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">0.9%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"c n xec5 y6856 w78c h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Price/yield<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf10 y6856 w814 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">4.8% \u2013 6.6%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf11 y6856 w604 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">5.5%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x40b y6857 w7ca h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Equity and stock index<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf12 y6857 w4da h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf13 y6857 w815 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">37<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf14 y6857 w816 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Internal pricing model<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf15 y6857 w7cb h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Equity-Equity correlation<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf16 y6857 w817 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">44.9% \u2013 100%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf17 y6857 wc4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">80.0%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"c n xec5 y6858 w7ce h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Equity-FX correlation<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf18 y6858 w818 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(36.4)% \u2013 48.9%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf19 y6858 w819 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">5.0%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6859 wf2 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Deposits by banks<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe93 y6859 w2bc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf1a y6859 w81a h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">371<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf1b y6859 w78b h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Discounted cash flows<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf1c y6859 w81b h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Credit spreads<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf1d y6859 w81c h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">0.2% \u2013 3.5%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf1e y6859 w81d h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">1.5%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y685a wf5 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Customer accounts<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe99 y685a w2bc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf1f y685a w598 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">2,714<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xea3 y685a w816 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Internal pricing model<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf20 y685a w7cb h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Equity-Equity correlation<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf21 y685a w81e h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">44.9% \u2013 100%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x265 y685a wc4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">80.0%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"c n xec5 y685b w7ce h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Equity-FX correlation<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf18 y685b w818 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(36.4)% \u2013 48.9%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf19 y685b w819 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">5.0%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td></td><td></td><td class=\"c n xeb8 y685c w78b h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Discounted cash flows<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xee7 y685c w7b0 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Interest rate curves<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf22 y685c w81f h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">1.4% \u2013 4.4%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf23 y685c w820 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">4.0%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"c n xec5 y685d w78c h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Price/yield<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf24 y685d w821 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">0.7% \u2013 13.0%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf25 y685d w822 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">8.5%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y685e w101 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Debt securities in issue<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xea1 y685e w2bc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf26 y685e w823 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">1,414<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf27 y685e w78b h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Discounted cash flows<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf28 y685e w812 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Credit spreads<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf29 y685e w824 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">0.05% \u2013 2.0%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf2a y685e w1bb h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">0.8%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"c n xec5 y685f w78c h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Price/yield<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xed1 y685f w825 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">6.2% \u2013 14.8%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf2b y685f w826 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">12.7%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"c n xec5 y6860 w7b0 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Interest rate curves<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf2c y6860 w827 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">3.5% \u2013 4.4%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf2d y6860 w19d h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">4.1%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td></td><td></td><td class=\"c n xeb8 y6861 w7b9 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Internal pricing model<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf2e y6861 w7cb h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Equity-Equity correlation<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf2f y6861 w817 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">44.9% \u2013 100%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf30 y6861 wc4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">80.0%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"c n xec5 y6862 w7ce h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Equity-FX correlation<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf18 y6862 w818 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(36.4)% \u2013 48.9%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf19 y6862 w819 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">5.0%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td></td><td></td><td class=\"c n xeb8 y6863 w7a5 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Option pricing model<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xeea y6863 w7c7 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Bond option implied<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xeeb y6863 w828 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">4.0% \u2013 15%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf31 y6863 w829 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">12.5%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"t m0 x9cb h1a y6864 ff4 fs5 fc3 sc0 ls5 ws5\">volatility<span class=\"_ _3eb\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x1ee y6865 w82a h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Short position<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf32 y6865 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf33 y6865 w82b h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">180<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf34 y6865 w78b h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Discounted cash flows<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf35 y6865 w7ed h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Price/yield<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf36 y6865 w82c h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">5.9% \u2013 12.7%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf37 y6865 w60e h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">6.3%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6866 w49a h203\"><div class=\"t m0 x1ed h1a y65de ff5 fs5 fc3 sc0 ls5 ws5\">Total<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf38 y6866 w82d h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">8,053<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf39 y6866 w82e h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">4,937<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td></td><td></td></tr></table>1 <span class=\"_ _b\"> </span><span class=\"ff4\">The ranges of values shown in the above table represent the highest and <span class=\"_ _7\"></span>lowest levels used in the valuation of the <span class=\"_ _7\"></span>Group\u2019s Level 3 financial instruments as at </span>31 December 2024. The ranges of values used <span class=\"_ _7\"></span>are reflective of the underlying characteristics of these <span class=\"_ _7\"></span>Level 3 financial instruments based on the market <span class=\"_ _7\"></span>conditions at the balance sheet <span class=\"_ _7\"></span>date. However, these ranges <span class=\"_ _7\"></span>of values may not <span class=\"_ _7\"></span>represent the uncertainty <span class=\"_ _7\"></span>in fair value measurements <span class=\"_ _7\"></span>of the Group\u2019s Level <span class=\"_ _7\"></span>3 financial instruments.<span class=\"_ _3eb\"> </span>2 <span class=\"_ _f\"> </span><span class=\"ff4\">Weighted average for non-derivative financial instruments has been calculated by weighting <span class=\"_ _7\"></span>inputs by the relative fair value. <span class=\"_ _7\"></span>Weighted average for derivatives has </span>been provided by weighting inputs by the risk <span class=\"_ _7\"></span>relevant to that variable. N/A has been entered <span class=\"_ _7\"></span>for the cases where weighted average is not <span class=\"_ _7\"></span>a meaningful indicator.<span class=\"_ _3eb\"> </span>3 <span class=\"_ _f\"> </span><span class=\"ff4\">The inputs for Loans and advances to customers under Discounted Cash flow technique <span class=\"_ _7\"></span>have been split to show as a separate <span class=\"_ _7\"></span>line under Comparable pricing/yield </span>for better representation of material inputs.<span class=\"_ _3eb\"> </span>4 <span class=\"_ _e\"> </span><span class=\"ff4\">The inputs for equity shares under Comparable pricing/yield technique have been consolidated <span class=\"_ _7\"></span>under \u2018Price\u2019 as they are not individually material.<span class=\"_ _3eb\"> </span></span>The following section describes the significant <span class=\"_ _7\"></span>unobservable inputs identified in the valuation technique <span class=\"_ _7\"></span>table: <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff6 ls2\">Comparable price/yield<span class=\"ff1\"> is a valuation methodology in which the price of a comparable instrument is used to estimate the<span class=\"_ _11\"></span> </span></span>fair value where there are no <span class=\"_ _7\"></span>direct observable prices. Yield is the interest <span class=\"_ _7\"></span>rate that is used to discount <span class=\"_ _7\"></span>the future cash flows in<span class=\"_ gs36\"> </span>a discounted cash flow model. Valuation <span class=\"_ _7\"></span>using comparable instruments can be done by <span class=\"_ _7\"></span>calculating an implied yield (or<span class=\"_ gs36\"> </span>spread over a liquid benchmark) from <span class=\"_ _7\"></span>the price of a comparable instrument, then <span class=\"_ _7\"></span>adjusting that yield (or spread) to derive a value for the instrument. <span class=\"_ _7\"></span>The adjustment should account for relevant differences <span class=\"_ _7\"></span>in the financial instruments such as<span class=\"_ gs36\"> </span>maturity and/or credit quality. Alternatively, a <span class=\"_ _7\"></span>price-to-price basis can be assumed between the <span class=\"_ _7\"></span>comparable instrument and the instrument being valued in <span class=\"_ _7\"></span>order to establish the value of the <span class=\"_ _7\"></span>instrument (for example, deriving a fair <span class=\"_ _7\"></span>value for a junior unsecured bond from the price <span class=\"_ _7\"></span>of a senior secured bond). An increase <span class=\"_ _7\"></span>in price, in isolation, would result <span class=\"_ _7\"></span>in a favourable movement in the fair value of <span class=\"_ _7\"></span>the asset. An increase in yield, in <span class=\"_ _7\"></span>isolation, would result in an unfavourable <span class=\"_ _7\"></span>movement in the fair<span class=\"_ gs36\"> </span>value of the asset <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff6 ls2 ws1\">Correlation<span class=\"ff4\"> is the measure of how movement in one variable influences the <span class=\"_ _7\"></span>movement in another variable. An equity </span></span>correlation is the correlation between two equity instruments, an interest rate correlation refers to the correlation between two swap rates, while commodity correlation is correlation between two commodity underlying prices <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff6 ls2\">Commodity price<span class=\"ff4 ws1\"> curves is the term structure for forward rates over a specified <span class=\"_ _7\"></span>period</span></span> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff6 ls2\">Credit spread<span class=\"ff4 ws1\"> represents the additional yield that a market participant would demand for <span class=\"_ _7\"></span>taking exposure to the Credit Risk </span></span>of an instrument <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff6 ls2\">Discount rate<span class=\"ff1\"> refers to the rate of return used to convert expected cash flows into present value<span class=\"_ _11\"></span> </span></span> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff6 ls2\">Equity-FX correlation<span class=\"ff1\"> is the correlation between equity instrument and foreign exchange instrument</span></span> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff6 ls2\">EV/EBITDA multiple<span class=\"ff4 ws1\"> is the ratio of Enterprise Value (EV) to Earnings Before Interest, <span class=\"_ _7\"></span>Taxes, Depreciation and Amortisation </span></span>(EBITDA). EV is the aggregate market <span class=\"_ _7\"></span>capitalisation and debt minus the cash and <span class=\"_ _7\"></span>cash equivalents. An increase in EV/<span class=\"_ _3eb\"> </span>EBITDA multiple will result in a favourable movement in the fair value of the unlisted firm <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff6 ls2\">EV/Revenue multiple<span class=\"ff4 ws1\"> is the ratio of Enterprise Value (EV) to Revenue. An increase <span class=\"_ _7\"></span>in EV/Revenue multiple will result in <span class=\"_ _7\"></span>a </span></span>favourable movement in the fair value of the unlisted firm <span class=\"_ _190\"></span>\u2022<span class=\"_ _71\"> </span><span class=\"ff6 ls1b\">Foreign exchange curves<span class=\"ff4 ws1a\"> is the <span class=\"_ _7\"></span>term structure for forward <span class=\"_ _1b\"></span>rates and swap rates between currency <span class=\"_ _7\"></span>pairs over a <span class=\"_ _7\"></span>specified period</span></span> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff6 ls2\">Interest rate curves<span class=\"ff1\"> is the term structure of interest rates and measures of future interest rates at a particular point in time</span></span> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff6 ls2\">Recovery rates<span class=\"ff4 ws1\"> is the expectation of the rate of return resulting from the <span class=\"_ _7\"></span>liquidation of a particular loan. As <span class=\"_ _7\"></span>the probability </span></span>of<span class=\"_ gs36\"> </span>default increases for a given instrument, <span class=\"_ _7\"></span>the valuation of that instrument will increasingly <span class=\"_ _7\"></span>reflect its expected recovery level assuming default. <span class=\"_ _1b\"></span>An increase in <span class=\"_ _7\"></span>the recovery <span class=\"_ _1b\"></span>rate, in isolation, <span class=\"_ _7\"></span>would result <span class=\"_ _1b\"></span>in a favourable <span class=\"_ _7\"></span>movement in <span class=\"_ _1b\"></span>the fair value <span class=\"_ _7\"></span>of the <span class=\"_ _1b\"></span>loan <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff6 ls2\">Repo curve<span class=\"ff1\"> is the term structure of repo rates on repos and reverse repos at a particular point in time</span></span> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff7 ls2 ws1\">Volatility<span class=\"ff4\"> represents an estimate of how much a particular instrument, parameter or <span class=\"_ _7\"></span>index will change in value over <span class=\"_ _7\"></span>time. </span></span>Generally, the higher the volatility, the <span class=\"_ _7\"></span>more expensive the option will be.<span class=\"_ _3eb\"> </span>Level 3 movement <span class=\"_ _7\"></span>tables \u2013 <span class=\"_ _7\"></span>financial assets<span class=\"_ _3eb\"> </span>The table below analyses movements in <span class=\"_ _7\"></span>Level 3 financial assets carried at fair <span class=\"_ _7\"></span>value.<span class=\"_ _3eb\"> </span><table class=\"s w82f h259\" id=\"_a487b798-4ce3-4f43-b5d7-ec79330e14b1\"><tr><td></td><td></td><td></td><td></td><td class=\"c n xf3a y6867 w830 h21e\"><div class=\"t m0 x1ed h14f y6611 ff5 fs64 fc0 sc0 ls50 ws5b\">Held at fair value through profit or loss<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td></td><td></td><td class=\"c n xf3b y6867 w831 h21e\"><div class=\"t m0 x1ed h14f y6611 ff5 fs64 fc0 sc0 ls50 ws5b\">Investment securities<span class=\"_ _3eb\"> </span></div></td><td></td></tr><tr><td></td><td></td><td></td><td class=\"t m0 xf3c h14f y6868 ff5 fs64 fc0 sc0 ls50 ws5b\">Reverse </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td class=\"t m0 xde3 h14f y6869 ff5 fs64 fc0 sc0 ls50 ws5b\">repurchase </td><td class=\"t m0 xf3d h14f y6869 ff2 fs64 fc0 sc0 ls50 ws5b\">Debt </td><td></td><td></td><td></td><td class=\"t m0 xf3e h14f y6869 ff2 fs64 fc0 sc0 ls50 ws5b\">Debt </td><td></td><td></td></tr><tr><td></td><td></td><td></td><td class=\"t m0 xf3f h14f y686a ff5 fs64 fc0 sc0 ls50 ws5b\">agreements </td><td class=\"t m0 x60e h14f y686a ff5 fs64 fc0 sc0 ls50 ws5b\">securities, </td><td></td><td></td><td></td><td class=\"t m0 x607 h14f y686a ff5 fs64 fc0 sc0 ls50 ws5b\" colspan=\"2\">securities, </td><td></td></tr><tr><td></td><td></td><td></td><td class=\"t m0 x60d h14f y686b ff5 fs64 fc0 sc0 ls50 ws5b\">and other </td><td class=\"t m0 x8bc h14f y686b ff5 fs64 fc0 sc0 ls50 ws5b\">alternative </td><td></td><td></td><td></td><td class=\"t m0 xf40 h14f y686b ff5 fs64 fc0 sc0 ls50 ws5b\" colspan=\"2\">alternative </td><td></td></tr><tr><td></td><td class=\"t m0 xf41 h14f y686c ff5 fs64 fc0 sc0 ls50 ws5b\">Loans and </td><td class=\"t m0 x60c h14f y686c ff5 fs64 fc0 sc0 ls50 ws5b\">Loans and </td><td class=\"t m0 xde9 h14f y686c ff5 fs64 fc0 sc0 ls50 ws5b\">similar </td><td class=\"t m0 xf42 h14f y686c ff2 fs64 fc0 sc0 ls50 ws0\">tier one </td><td></td><td></td><td class=\"t m0 x8b9 h14f y686c ff5 fs64 fc0 sc0 ls50 ws5b\">Derivative </td><td class=\"t m0 x545 h14f y686c ff2 fs64 fc0 sc0 ls50 ws0\">tier one </td><td></td><td></td></tr><tr><td></td><td class=\"t m0 x52a h14f y686d ff5 fs64 fc0 sc0 ls50 ws5b\">advances to </td><td class=\"t m0 xf43 h14f y686d ff5 fs64 fc0 sc0 ls50 ws5b\">advances to </td><td class=\"t m0 xf3c h14f y686d ff5 fs64 fc0 sc0 ls50 ws5b\">secured </td><td class=\"t m0 x60e h14f y686d ff5 fs64 fc0 sc0 ls50 ws5b\">and<span class=\"_ gs3f9\"> </span>other </td><td class=\"t m0 xf44 h14f y686d ff5 fs64 fc0 sc0 ls50 ws5b\">Equity<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xf45 h14f y686d ff5 fs64 fc0 sc0 ls50 ws5b\">Other<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x52d h14f y686d ff5 fs64 fc0 sc0 ls50 ws5b\">financial<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x607 h14f y686d ff5 fs64 fc0 sc0 ls50 ws5b\">and<span class=\"_ gs3f9\"> </span>other </td><td class=\"t m0 x9d4 h14f y686d ff5 fs64 fc0 sc0 ls50 ws5b\">Equity<span class=\"_ _3eb\"> </span></td><td></td></tr><tr><td></td><td class=\"t m0 xf46 h14f y686e ff2 fs64 fc0 sc0 ls50 ws5b\">banks<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xf47 h14f y686e ff5 fs64 fc0 sc0 ls50 ws5b\">customers<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xf3c h14f y686e ff5 fs64 fc0 sc0 ls50 ws5b\">lending<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x5fd h14f y686e ff5 fs64 fc0 sc0 ls50 ws5b\">eligible bills<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xf44 h14f y686e ff5 fs64 fc0 sc0 ls50 ws5b\">shares<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xf48 h14f y686e ff5 fs64 fc0 sc0 ls50 ws5b\">Assets<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xf49 h14f y686e ff5 fs64 fc0 sc0 ls50 ws5b\">instruments<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x8b5 h14f y686e ff5 fs64 fc0 sc0 ls50 ws5b\">eligible bills<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x9d4 h14f y686e ff5 fs64 fc0 sc0 ls50 ws5b\">shares<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1e9 h14f y686e ff5 fs64 fc0 sc0 ls50 ws5b\">Total<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"t m0 x221 h39 y686f ff1 fs17 fc3 sc0 ls21 ws20\">Assets<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x53e h14f y686f ff5 fs64 fc0 sc0 ls50 ws5b\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x53f h14f y686f ff5 fs64 fc0 sc0 ls50 ws5b\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xf4a h14f y686f ff5 fs64 fc0 sc0 ls50 ws5b\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x8b7 h14f y686f ff5 fs64 fc0 sc0 ls50 ws5b\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xf4b h14f y686f ff5 fs64 fc0 sc0 ls50 ws5b\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x539 h14f y686f ff5 fs64 fc0 sc0 ls50 ws5b\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1ea h14f y686f ff5 fs64 fc0 sc0 ls50 ws5b\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x9d3 h14f y686f ff5 fs64 fc0 sc0 ls50 ws5b\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xf4c h14f y686f ff5 fs64 fc0 sc0 ls50 ws5b\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xf4d h14f y686f ff5 fs64 fc0 sc0 ls50 ws5b\">$million<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c n x1ee y6870 w832 h20d\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws0\">At 1 January 2025<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf4e y6870 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf4f y6870 w833 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">1,937<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf50 y6870 w455 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">3,239<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf51 y6870 w834 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">1,593<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf52 y6870 w5c2 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">191<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf53 y6870 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf54 y6870 w6e3 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">128<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf55 y6870 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf56 y6870 w835 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">965<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf57 y6870 w836 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">8,053<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x221 hb y6871 ff4 fs7 fc3 sc0 ls7 ws7\">Total gains/(losses) recognised </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y6872 w837 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">in<span class=\"_ gs1a2\"> </span>income<span class=\"_ gs1a2\"> </span>statement<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf58 y6872 w14e h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf59 y6872 w838 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">70<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf5a y6872 w839 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">(35)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf5b y6872 w678 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">123<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf5c y6872 w6a6 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">(12)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf5d y6872 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf5e y6872 w83a h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">(14)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf5f y6872 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf60 y6872 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf61 y6872 w83b h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">132<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x40b y6873 w83c h20d\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws0\">Net trading income<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf62 y6873 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf63 y6873 w838 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">70<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf64 y6873 w839 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">(35)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf65 y6873 w678 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">123<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf66 y6873 w6a6 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">(12)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf67 y6873 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf68 y6873 w83a h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">(14)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf69 y6873 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf6a y6873 w14f h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf6b y6873 w83d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">132<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x40b y6874 w83e h20d\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws0\">Other operating income<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf6c y6874 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf6d y6874 w14e h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf6e y6874 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf6f y6874 w14e h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf70 y6874 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf71 y6874 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf72 y6874 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf73 y6874 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf74 y6874 w14f h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf75 y6874 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y6876 w83f h25a\"><div class=\"t m0 x1ed hba y6875 ff1 fs7 fc3 sc0 ls7 ws0\">Total gains recognised in<span class=\"_ _3eb\"> </span></div><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">other comprehensive income (OCI)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf76 y6876 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf77 y6876 w14e h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf78 y6876 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf79 y6876 w14e h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf7a y6876 w14e h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf7b y6876 w14f h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf7c y6876 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf7d y6876 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf7e y6876 w83b h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">321<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf7f y6876 w83b h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">321<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x40b y6877 w840 h20d\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws0\">Fair value through OCI reserve<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf80 y6877 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf81 y6877 w14e h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf82 y6877 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf83 y6877 w14e h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf84 y6877 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf85 y6877 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf86 y6877 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf87 y6877 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf88 y6877 w841 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">316<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf89 y6877 w842 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">316<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x40b y6878 w843 h20d\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws0\">Exchange difference<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf8a y6878 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf8b y6878 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf8c y6878 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf8d y6878 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf8e y6878 w14e h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf8f y6878 w14f h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf90 y6878 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf91 y6878 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf92 y6878 w68a h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">5<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf93 y6878 w844 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">5<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6879 w845 h20d\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws7\">Purchases<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf94 y6879 w846 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">299<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbb8 y6879 w847 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">3,002<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf95 y6879 w848 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">10,555<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf96 y6879 w849 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">1,980<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf97 y6879 w84a h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">169<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf98 y6879 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf99 y6879 w84b h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">162<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf9a y6879 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf9b y6879 w84c h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">31<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf9c y6879 w84d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">16,198<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y687a w84e h20d\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws7\">Sales<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf9d y687a w14e h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf9e y687a w84f h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">(1,156)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9e5 y687a w722 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">(9,021)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf9f y687a w850 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">(1,007)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfa0 y687a w851 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">(31)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfa1 y687a w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfa2 y687a w852 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">(128)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfa3 y687a w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfa4 y687a w853 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">(150)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfa5 y687a w854 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">(11,493)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y687b w855 h20d\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws7\">Settlements<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfa6 y687b w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfa7 y687b w856 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">(184)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfa8 y687b w857 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">(1,054)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfa9 y687b w858 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">(6)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfaa y687b w14e h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfab y687b w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfac y687b w859 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">(36)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x408 y687b w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfad y687b w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfae y687b w85a h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">(1,280)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y687c w85b h241\"><div class=\"t m0 x1ed hba y65a9 ff1 fs7 fc3 sc0 ls7 ws0\">Transfers out</div><div class=\"t m0 xfaf hd1 y65aa ff1 fs61 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfb0 y687d w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfb1 y687d w85c h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">(803)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfb2 y687d w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfb3 y687d w85d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">(280)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfb4 y687d w85e h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">(7)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfb5 y687d w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfb6 y687d w85f h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">(23)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfb7 y687d w14f h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfb8 y687d w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfb9 y687d w860 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">(1,113)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y687e w861 h241\"><div class=\"t m0 x1ed hba y65a9 ff1 fs7 fc3 sc0 ls7 ws0\">Transfers in</div><div class=\"t m0 xfba hd1 y65aa ff1 fs61 fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfb0 y687f w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfbb y687f w862 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">598<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfbc y687f w14e h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfbd y687f w84b h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">921<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfbe y687f w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfbf y687f w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfc0 y687f w6ec h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfc1 y687f w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfc2 y687f w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfc3 y687f w863 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">1,520<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6880 w864 h20b\"><div class=\"t m0 x1ed hb2 y65af ff5 fs7 fc3 sc0 ls7 ws7\">At 31 December 2025<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfc4 y6880 w846 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">299<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfc5 y6880 w647 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">3,464<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfc6 y6880 w64d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">3,684<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfc7 y6880 w652 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">3,324<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfc8 y6880 w54d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">310<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfc9 y6880 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfca y6880 w673 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">90<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfcb y6880 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfcc y6880 w57c h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">1,167<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfcd y6880 w865 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">12,338<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y6881 w866 h241\"><div class=\"t m0 x1ed hba y65a9 ff1 fs7 fc3 sc0 ls7 ws0\">Recognised in the income statement</div><div class=\"t m0 xfce hd1 y65aa ff1 fs61 fc3 sc0 ls0 ws0\">3<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfb0 y6882 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfcf y6882 w858 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">(9)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfd0 y6882 w5c2 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">(3)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfd1 y6882 w867 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">5<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfd2 y6882 w868 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">(29)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfd3 y6882 w14f h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfd4 y6882 w14f h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfd5 y6882 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfd6 y6882 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfd7 y6882 w859 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">(36)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6883 w869 h212\"><div class=\"t m0 x1ed hb y659e ff1 fs7 fc3 sc0 ls7 ws0\">At 1 January 2024<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfd8 y6883 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfd9 y6883 w86a h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">1,960<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfda y6883 w64e h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">2,363<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfdb y6883 w86b h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">1,262<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfdc y6883 w83b h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">184<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfdd y6883 w65b h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">6<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfde y6883 w687 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">80<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfdf y6883 w685 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">72<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfe0 y6883 w86c h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">787<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfe1 y6883 w195 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">6,714<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x221 hb y6884 ff4 fs7 fc3 sc0 ls7 ws7\">Total (losses)/gains recognised </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y6885 w837 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">in<span class=\"_ gs1a2\"> </span>income<span class=\"_ gs1a2\"> </span>statement<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfe2 y6885 w175 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">(1)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfe3 y6885 w86d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">8<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfe4 y6885 w67e h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">73<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfe5 y6885 w86e h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">(114)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfe6 y6885 w86f h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">(15)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfe7 y6885 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfe8 y6885 w181 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">(57)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfe9 y6885 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfea y6885 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfeb y6885 w870 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">(106)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x40b y6886 w83c h212\"><div class=\"t m0 x1ed hb y659e ff1 fs7 fc3 sc0 ls7 ws0\">Net trading income<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfec y6886 w175 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">(1)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfed y6886 w86d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">8<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfee y6886 w871 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">73<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfef y6886 w872 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">(56)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xff0 y6886 w86f h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">(15)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xff1 y6886 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xff2 y6886 w873 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">(57)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xff3 y6886 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xff4 y6886 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xff5 y6886 w874 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">(48)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x40b y6887 w83e h212\"><div class=\"t m0 x1ed hb y659e ff1 fs7 fc3 sc0 ls7 ws0\">Other operating income<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf6c y6887 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf6d y6887 w14e h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf6e y6887 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xff6 y6887 w875 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">(58)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xff7 y6887 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xff8 y6887 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xff9 y6887 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xffa y6887 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xffb y6887 w14f h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xffc y6887 w875 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">(58)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x221 hb y6888 ff4 fs7 fc3 sc0 ls7 ws7\">Total (losses)/gains recognised </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y6889 w876 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">in<span class=\"_ gs1a2\"> </span>other<span class=\"_ gs1a2\"> </span>comprehensive income (OCI)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xffd y6889 w14e h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xffe y6889 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfff y6889 w14e h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1000 y6889 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1001 y6889 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1002 y6889 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1003 y6889 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1004 y6889 wb8 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">(11)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1005 y6889 w877 h212\"><div class=\"t m0 x1ed hb y659e ff1 fs7 fc3 sc0 ls7 ws7\">50<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1006 y6889 w878 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">39<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x40b y688a w840 h212\"><div class=\"t m0 x1ed hb y659e ff1 fs7 fc3 sc0 ls7 ws0\">Fair value through OCI reserve<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf80 y688a w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf81 y688a w14e h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf82 y688a w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf83 y688a w14e h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf84 y688a w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf85 y688a w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf86 y688a w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf87 y688a w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1007 y688a w879 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">74<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1008 y688a w879 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">74<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x40b y688b w843 h212\"><div class=\"t m0 x1ed hb y659e ff1 fs7 fc3 sc0 ls7 ws0\">Exchange difference<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf8a y688b w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf8b y688b w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf8c y688b w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf8d y688b w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf8e y688b w14e h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf8f y688b w14f h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf90 y688b w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1009 y688b w87a h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">(11)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x100a y688b w87b h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">(24)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x100b y688b w87c h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">(35)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y688c w845 h212\"><div class=\"t m0 x1ed hb y659e ff1 fs7 fc3 sc0 ls7 ws7\">Purchases<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x100c y688c w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x100d y688c w87d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">1,853<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x100e y688c w87e h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">6,161<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x100f y688c w87f h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">1,337<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1010 y688c w880 h212\"><div class=\"t m0 x1ed hb y659e ff1 fs7 fc3 sc0 ls7 ws7\">24<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1011 y688c w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1012 y688c w881 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">227<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x408 y688c w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1013 y688c w882 h212\"><div class=\"t m0 x1ed hb y659e ff1 fs7 fc3 sc0 ls7 ws7\">145<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1014 y688c w883 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">9,747<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y688d w84e h212\"><div class=\"t m0 x1ed hb y659e ff1 fs7 fc3 sc0 ls7 ws7\">Sales<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf9d y688d w14e h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1015 y688d w498 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">(2,062)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1016 y688d w884 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">(4,716)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1017 y688d w885 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">(907)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1018 y688d w5d2 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">(2)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1019 y688d w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x101a y688d w870 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">(160)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x101b y688d w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x101c y688d w68c h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">(19)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x101d y688d w886 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">(7,866)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y688e w855 h212\"><div class=\"t m0 x1ed hb y659e ff1 fs7 fc3 sc0 ls7 ws7\">Settlements<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x101e y688e w637 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">(7)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x101f y688e w87b h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">(42)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1020 y688e w887 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">(782)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1021 y688e w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1022 y688e w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1023 y688e w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1024 y688e w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1025 y688e w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1026 y688e w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x75e y688e w777 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">(831)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y6747 w85b h241\"><div class=\"t m0 x1ed hba y65a9 ff1 fs7 fc3 sc0 ls7 ws0\">Transfers out</div><div class=\"t m0 xfaf hd1 y65aa ff1 fs61 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1027 y688f w888 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">(13)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1028 y688f w587 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">(263)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1029 y688f w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x102a y688f w175 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">(1)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x102b y688f w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x102c y688f w889 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">(6)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x102d y688f w88a h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">(1)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x102e y688f w68c h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">(61)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x102f y688f w5d2 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">(2)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1030 y688f w88b h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">(347)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y6748 w861 h241\"><div class=\"t m0 x1ed hba y65a9 ff1 fs7 fc3 sc0 ls7 ws0\">Transfers in</div><div class=\"t m0 xfba hd1 y65aa ff1 fs61 fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1031 y6890 w88c h212\"><div class=\"t m0 x1ed hb y659e ff1 fs7 fc3 sc0 ls7 ws7\">21<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1032 y6890 w88d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">483<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1033 y6890 w67c h212\"><div class=\"t m0 x1ed hb y659e ff1 fs7 fc3 sc0 ls7 ws7\">140<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1034 y6890 w88e h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">16<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1035 y6890 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1036 y6890 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1037 y6890 w88f h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">39<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1038 y6890 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1039 y6890 w890 h212\"><div class=\"t m0 x1ed hb y659e ff1 fs7 fc3 sc0 ls0 ws0\">4<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x103a y6890 w891 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">703<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6891 w892 h20b\"><div class=\"t m0 x1ed hb y659e ff5 fs7 fc3 sc0 ls7 ws7\">At 31 December 2024<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf58 y6891 w14e h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x103b y6891 w649 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">1,937<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x103c y6891 w893 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">3,239<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x103d y6891 w894 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">1,593<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x103e y6891 w66f h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">191<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x103f y6891 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1040 y6891 w895 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">128<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1041 y6891 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1042 y6891 w6ae h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">965<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1043 y6891 w896 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">8,053<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y674a w866 h241\"><div class=\"t m0 x1ed hba y65a9 ff1 fs7 fc3 sc0 ls7 ws0\">Recognised in the income statement</div><div class=\"t m0 xfce hd1 y65aa ff1 fs61 fc3 sc0 ls0 ws0\">3<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfb0 y6892 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1044 y6892 w897 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">7<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1045 y6892 w6f0 h212\"><div class=\"t m0 x1ed hb y659e ff1 fs7 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1046 y6892 w176 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">7<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1047 y6892 w898 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">(13)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1048 y6892 w14f h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1049 y6892 w889 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">(9)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x104a y6892 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x104b y6892 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x104c y6892 w637 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">(7)<span class=\"_ _3eb\"> </span></div></td></tr></table>1 <span class=\"_ _b\"> </span><span class=\"ff4\">Transfers out includes loans and advances, debt securities, alternative tier one and other <span class=\"_ _7\"></span>eligible bills, equity shares, other assets and derivative <span class=\"_ _7\"></span>financial </span>instruments where the valuation parameters became observable during <span class=\"_ _7\"></span>the period and were transferred to Level 1 <span class=\"_ _7\"></span>and Level 2.<span class=\"_ _3eb\"> </span>2 <span class=\"_ _f\"> </span><span class=\"ff4\">Transfers in primarily relate to loans and advances, repurchase agreements, debt securities, <span class=\"_ _7\"></span>alternative tier one and other eligible bills, equity <span class=\"_ _7\"></span>shares and derivative </span>financial instruments where the valuation parameters become unobservable <span class=\"_ _7\"></span>during the year.<span class=\"_ _3eb\"> </span>3 <span class=\"_ _f\"> </span><span class=\"ff4\">Represents Total unrealised (losses)/gains recognised in the income statement, within net trading income, <span class=\"_ _7\"></span>relating to change in fair value of assets.<span class=\"_ _3eb\"> </span></span>Level 3 movement <span class=\"_ _7\"></span>tables \u2013 <span class=\"_ _7\"></span>financial liabilities<span class=\"_ _3eb\"> </span><table class=\"s w899 h25b\" id=\"_5be77728-0ccd-4a99-971b-7e1804cfa12a\"><tr><td></td><td></td><td></td><td class=\"t m0 x104d h38 y6893 ff2 fs17 fc0 sc0 ls21 ws20\">Debt<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x6c3 h38 y6893 ff5 fs17 fc0 sc0 ls21 ws20\">Derivative<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"t m0 x104e h38 y6894 ff2 fs17 fc0 sc0 ls21 ws20\">Deposits<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x104f h38 y6894 ff5 fs17 fc0 sc0 ls21 ws20\">Customer </td><td class=\"t m0 x1050 h38 y6894 ff5 fs17 fc0 sc0 ls21 ws20\">securities<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1051 h38 y6894 ff5 fs17 fc0 sc0 ls21 ws20\">financial<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xadd h38 y6894 ff5 fs17 fc0 sc0 ls21 ws20\">Short<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x2dc h38 y6894 ff5 fs17 fc0 sc0 ls21 ws20\">Other<span class=\"_ _3eb\"> </span></td><td></td></tr><tr><td></td><td class=\"t m0 x2eb h38 y6895 ff5 fs17 fc0 sc0 ls21 ws20\">by<span class=\"_ gs40f\"> </span>banks<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1052 h38 y6895 ff2 fs17 fc0 sc0 ls21 ws20\">accounts<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x2d9 h38 y6895 ff2 fs17 fc0 sc0 ls21 ws0\">in issue<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xc2d h38 y6895 ff5 fs17 fc0 sc0 ls21 ws20\">instruments<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1053 h38 y6895 ff5 fs17 fc0 sc0 ls21 ws20\">positions<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1054 h38 y6895 ff5 fs17 fc0 sc0 ls21 ws20\">liabilities<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x96f h38 y6895 ff5 fs17 fc0 sc0 ls21 ws20\">Total<span class=\"_ _3eb\"> </span></td></tr><tr><td></td><td class=\"t m0 x2d5 h38 y6896 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x2f7 h38 y6896 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x2c9 h38 y6896 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x4be h38 y6896 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x2fa h38 y6896 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x233 h38 y6896 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x4c2 h38 y6896 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c n x1ee y6897 w89a h1fe\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">At 1 January 2025<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1055 y6897 w8a h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">371<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1056 y6897 w89b h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">2,714<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1057 y6897 w89c h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">1,414<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1058 y6897 w89d h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">258<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1059 y6897 w89e h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">180<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x105a y6897 w1cf h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x105b y6897 w89f h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">4,937<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x235 h1a y6898 ff4 fs5 fc3 sc0 ls5 ws5\">Total losses/(gains) </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m0 x235 h3b y6899 ff1 fs5 fc3 sc0 ls5 ws0\">recognised in income </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m0 x235 h1a y689a ff4 fs5 fc3 sc0 ls5 ws5\">statement \u2013 net </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y689b w8a0 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">trading<span class=\"_ gs1a1\"> </span>income<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x105c y689b w27b h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">98<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x105d y689b w8a1 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(269)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x105e y689b w8a2 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">60<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x105f y689b w8a3 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">8<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1060 y689b w45d h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">3<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1061 y689b w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1062 y689b w8a4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(100)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y689c w319 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">Issues<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1063 y689c w8a5 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">298<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1064 y689c w231 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">5,410<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1065 y689c w241 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">2,114<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1066 y689c w8a6 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">538<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1067 y689c w1cf h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1068 y689c w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1069 y689c w8a7 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">8,360<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y689d w8a8 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">Settlements<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x106a y689d w8a9 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(538)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x106b y689d w8aa h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(3,790)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x106c y689d w8ab h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(2,462)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x106d y689d w8ac h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(566)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x106e y689d w8ad h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(107)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x106f y689d w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1070 y689d w8ae h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(7,463)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y689e w8af h220\"><div class=\"t m0 x1ed h3b y6600 ff1 fs5 fc3 sc0 ls5 ws0\">Transfers out</div><div class=\"t m0 xe47 h3c y6601 ff1 fs1b fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1071 y689f w2bc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1072 y689f w8b0 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(650)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1073 y689f w8b1 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(58)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1074 y689f w4ab h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(30)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1075 y689f w1cf h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1076 y689f w1cf h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1077 y689f w4e9 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(738)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y68a0 w8b2 h220\"><div class=\"t m0 x1ed h3b y6600 ff1 fs5 fc3 sc0 ls5 ws0\">Transfers in</div><div class=\"t m0 x1078 h3c y6601 ff1 fs1b fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1079 y68a1 w8b3 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">40<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x107a y68a1 w8b4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">63<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x107b y68a1 w473 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">16<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x107c y68a1 w8b5 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">18<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x107d y68a1 w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x107e y68a1 w1cf h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x107f y68a1 w8a h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">137<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y661f w8b6 h201\"><div class=\"t m0 x1ed h3d y6548 ff5 fs5 fc3 sc0 ls5 ws5\">At 31 December 2025<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1080 y661f w397 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">269<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1081 y661f w886 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">3,478<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1082 y661f w71 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">1,084<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1083 y661f w8b7 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">226<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1084 y661f w8b8 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">76<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x946 y661f w1cf h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1085 y661f w7dd h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">5,133<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x235 h3b y68a2 ff1 fs5 fc3 sc0 ls5 ws0\">Recognised in the income </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1ee y68a3 w8b9 h25c\"><div class=\"t m0 x1ed h3b y6600 ff1 fs5 fc3 sc0 ls5 ws5\">statement</div><div class=\"t m0 x1086 h3c y667e ff1 fs1b fc3 sc0 ls0 ws0\">3<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1071 y6621 w45d h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">3<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1087 y6621 w2f0 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1088 y6621 w2f0 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1089 y6621 w8ba h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(9)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x108a y6621 w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x108b y6621 w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x108c y6621 w4a9 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(2)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y68a4 w8bb h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">At 1 January 2024<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x108d y68a4 w2bf h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">334<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x108e y68a4 w8bc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">1,278<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x108f y68a4 w1f4 h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">1,041<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1090 y68a4 w4ce h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">196<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1091 y68a4 w26f h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">103<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1092 y68a4 w5e h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">8<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1093 y68a4 w8bd h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">2,960<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x235 h1a y68a5 ff4 fs5 fc3 sc0 ls5 ws5\">Total losses/(gains) </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m0 x235 h3b y68a6 ff1 fs5 fc3 sc0 ls5 ws0\">recognised in income </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m0 x235 h1a y68a7 ff4 fs5 fc3 sc0 ls5 ws5\">statement \u2013 net </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y65f3 w8a0 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">trading<span class=\"_ gs1a1\"> </span>income<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1094 y65f3 w475 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">49<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1095 y65f3 w8be h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(27)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1096 y65f3 w8bf h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">48<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1097 y65f3 w4c8 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(6)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1098 y65f3 w32 h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls0 ws0\">3<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1099 y65f3 w75 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(8)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x109a y65f3 w1e6 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">59<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y68a8 w319 h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">Issues<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x109b y68a8 w46e h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">388<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x109c y68a8 w8c0 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">3,068<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x109d y68a8 w8c1 h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">4,244<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x109e y68a8 w40d h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">507<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x109f y68a8 w8c2 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">177<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x941 y68a8 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10a0 y68a8 w8c3 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">8,384<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y68a9 w8a8 h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">Settlements<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xedb y68a9 w751 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(400)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10a1 y68a9 w6e h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(1,627)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10a2 y68a9 w8c4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(2,795)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10a3 y68a9 w1f3 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(438)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10a4 y68a9 w35b h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(103)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10a5 y68a9 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10a6 y68a9 w8c5 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(5,363)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y68aa w8af h25c\"><div class=\"t m0 x1ed h3b y6600 ff1 fs5 fc3 sc0 ls5 ws0\">Transfers out</div><div class=\"t m0 xe47 h3c y667e ff1 fs1b fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1071 y68ab w2bc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10a7 y68ab w8c6 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(26)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10a8 y68ab w8c7 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(1,194)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10a9 y68ab w47e h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(7)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10aa y68ab w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10ab y68ab w1cf h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10ac y68ab w8c8 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(1,227)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y68ac w8b2 h220\"><div class=\"t m0 x1ed h3b y6600 ff1 fs5 fc3 sc0 ls5 ws0\">Transfers in</div><div class=\"t m0 x1078 h3c y6601 ff1 fs1b fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1071 y65f7 w2bc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10ad y65f7 w8bf h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">48<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10ae y65f7 w8c9 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">70<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10af y65f7 w44 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">6<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10b0 y65f7 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10b1 y65f7 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10b2 y65f7 w8ca h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">124<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y68ad w8cb h203\"><div class=\"t m0 x1ed h1a y65de ff5 fs5 fc3 sc0 ls5 ws5\">At 31 December 2024<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10b3 y68ad w81a h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">371<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10b4 y68ad w598 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">2,714<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10b5 y68ad w8cc h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">1,414<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10b6 y68ad w8cd h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">258<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10b7 y68ad w67 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">180<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10b8 y68ad w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd98 y68ad we5 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">4,937<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x235 h3b y68ae ff1 fs5 fc3 sc0 ls5 ws0\">Recognised in the income </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1ee y68af w8b9 h21c\"><div class=\"t m0 x1ed h3b y6600 ff1 fs5 fc3 sc0 ls5 ws5\">statement</div><div class=\"t m0 x1086 h3c y6601 ff1 fs1b fc3 sc0 ls0 ws0\">3<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10b9 y6567 w73 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">29<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10ba y6567 w40 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls0 ws0\">5<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10bb y6567 w4da h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10bc y6567 w8ce h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(13)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10bd y6567 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10be y6567 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10bf y6567 wa2 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">23<span class=\"_ _3eb\"> </span></div></td></tr></table>1 <span class=\"_ _b\"> </span><span class=\"ff4\">Transfers out during the year primarily relate to customer accounts, debt securities in <span class=\"_ _7\"></span>issue and derivative financial instruments where the valuation <span class=\"_ _7\"></span>parameters </span>became observable during the year and were transferred <span class=\"_ _7\"></span>to Level 2 financial liabilities.<span class=\"_ _3eb\"> </span>2 <span class=\"_ _f\"> </span><span class=\"ff4\">Transfers in during the year primarily relate to customer accounts, debt securities <span class=\"_ _7\"></span>in issue and derivative financial instruments where the <span class=\"_ _7\"></span>valuation parameters </span>become unobservable during the year.<span class=\"_ _3eb\"> </span>3 <span class=\"_ _f\"> </span><span class=\"ff4\">Represents Total unrealised losses/(gains) recognised in the income statement, within net trading income, <span class=\"_ _7\"></span>relating to change in fair value of liabilities<span class=\"_ _3eb\"> </span></span><span class=\"ff4\">.<span class=\"_ _3eb\"> </span></span>Sensitivities in respect <span class=\"_ _7\"></span>of the <span class=\"_ _7\"></span>fair values of <span class=\"_ _7\"></span>Level 3 <span class=\"_ _7\"></span>assets and liabilities<span class=\"_ _3eb\"> </span>Sensitivity analysis is performed on products <span class=\"_ _7\"></span>with significant unobservable inputs. The Group applies <span class=\"_ _7\"></span>a 10 per cent increase or<span class=\"_ gs36\"> </span>decrease on the values of these <span class=\"_ _7\"></span>unobservable inputs, to generate a range of <span class=\"_ _7\"></span>reasonably possible alternative valuations. The<span class=\"_ gs36\"> </span>percentage shift is determined by statistical <span class=\"_ _7\"></span>analysis performed on a set of reference <span class=\"_ _7\"></span>prices based on the composition of<span class=\"_ gs36\"> </span>the Group\u2019s Level 3 inventory as <span class=\"_ _7\"></span>the measurement date. Favourable and unfavourable changes <span class=\"_ _7\"></span>(which show the balance adjusted for input change) are determined <span class=\"_ _7\"></span>on the basis of changes in the <span class=\"_ _7\"></span>value of the instrument as a <span class=\"_ _7\"></span>result of varying the levels<span class=\"_ gs36\"> </span>of the unobservable parameters. The Level <span class=\"_ _7\"></span>3 sensitivity analysis assumes a one-way market <span class=\"_ _7\"></span>move and does not consider offsets for hedges.<span class=\"_ _3eb\"> </span><table class=\"s w8cf h25d\" id=\"_d97368e6-7180-4f4a-89bb-7dc345a82ea6\"><tr><td></td><td></td><td></td><td class=\"c n x10c0 y68b0 w8d0 h215\"><div class=\"t m0 x1ed h38 y6563 ff5 fs17 fc0 sc0 ls21 ws20\">Held at fair value through profit or loss<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td class=\"c n x10c1 y68b0 w8d1 h215\"><div class=\"t m0 x1ed h38 y6563 ff5 fs17 fc0 sc0 ls21 ws20\">Fair value through other comprehensive income<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td></td><td class=\"t m0 x10c2 h38 y68b1 ff5 fs17 fc0 sc0 ls21 ws20\">Favourable </td><td class=\"t m0 x60f h38 y68b1 ff5 fs17 fc0 sc0 ls21 ws20\">Unfavourable </td><td></td><td class=\"t m0 x10c3 h38 y68b1 ff5 fs17 fc0 sc0 ls21 ws20\">Favourable </td><td class=\"t m0 x10c4 h38 y68b1 ff5 fs17 fc0 sc0 ls21 ws20\">Unfavourable </td></tr><tr><td></td><td class=\"t m0 x5ff h38 y68b2 ff5 fs17 fc0 sc0 ls21 ws20\">Net exposure<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x5fd h38 y68b2 ff5 fs17 fc0 sc0 ls21 ws20\">changes<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x10c5 h38 y68b2 ff5 fs17 fc0 sc0 ls21 ws20\">changes<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x10c6 h38 y68b2 ff5 fs17 fc0 sc0 ls21 ws20\">Net exposure<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x10c7 h38 y68b2 ff5 fs17 fc0 sc0 ls21 ws20\">changes<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x10c8 h38 y68b2 ff5 fs17 fc0 sc0 ls21 ws20\">changes<span class=\"_ _3eb\"> </span></td></tr><tr><td></td><td class=\"t m0 x8f9 h38 y68b3 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x8bc h38 y68b3 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x404 h38 y68b3 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x405 h38 y68b3 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1eb h38 y68b3 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1ec h38 y68b3 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"t m0 x221 h8 y68b4 ff5 fs5 fc3 sc0 ls5 ws5\">Financial instruments held at fair value<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y68b5 w8d2 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Loans and advances<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10c9 y68b5 w8d3 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">3,763<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10ca y68b5 w8d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">3,854<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10cb y68b5 w8d5 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">3,650<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10cc y68b5 w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10cd y68b5 w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10ce y68b5 w1cf h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x221 h3b y68b6 ff1 fs5 fc3 sc0 ls5 ws0\">Reverse Repurchase agreements </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y68b7 w8d6 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">and<span class=\"_ gs1a1\"> </span>other similar secured lending<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10cf y68b7 w799 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">3,684<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10d0 y68b7 w2cc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">3,782<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10d1 y68b7 w8d7 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">3,598<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10d2 y68b7 w1cf h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8e8 y68b7 w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10d3 y68b7 w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x221 h1a y68b8 ff4 fs5 fc3 sc0 ls5 ws5\">Debt securities, alternative tier one </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y68b9 w8d8 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">and<span class=\"_ gs1a1\"> </span>other eligible bills<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10d4 y68b9 w35f h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">3,324<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10d5 y68b9 w69 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">3,384<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10d6 y68b9 w8d9 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">3,267<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10d7 y68b9 w1cf h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10d8 y68b9 w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10d9 y68b9 w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y68ba w8da h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Equity shares<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10da y68ba w314 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">310<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10db y68ba w8db h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">343<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10dc y68ba w8dc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">277<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10dd y68ba w8dd h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">1,167<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10de y68ba w8ad h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">1,284<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10df y68ba w8de h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">1,050<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y68bb wc5 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">Derivative financial instruments<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10e0 y68bb wb7 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(136)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10e1 y68bb w8df h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(111)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10e2 y68bb w1d8 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(161)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10e3 y68bb w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10e4 y68bb w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10e5 y68bb w1cf h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y68bc wf5 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Customer accounts<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10e6 y68bc w8e0 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(3,478)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10e7 y68bc w8e1 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(3,395)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10e8 y68bc w8e2 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(3,566)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10e9 y68bc w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10ea y68bc w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10eb y68bc w1cf h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y68bd wf2 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Deposits by banks<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10ec y68bd w8a1 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(269)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10ed y68bd w231 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(257)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10ee y68bd w8a4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(282)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10ef y68bd w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10f0 y68bd w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10f1 y68bd w1cf h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y68be w5b5 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">Short positions<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10f2 y68be w8e3 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(76)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10f3 y68be w484 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(75)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10f4 y68be w8e4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(77)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10f5 y68be w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10f6 y68be w1cf h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10f7 y68be w1cf h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y68bf w101 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">Debt securities in issue<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10f8 y68bf w1d2 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(1,084)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10f9 y68bf w8e5 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(1,007)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10d6 y68bf w768 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(1,161)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10fa y68bf w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10fb y68bf w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10fc y68bf w1cf h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y68c0 w8b6 h201\"><div class=\"t m0 x1ed h3d y6548 ff5 fs5 fc3 sc0 ls5 ws5\">At 31 December 2025<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10fd y68c0 w8e6 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">6,038<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10fe y68c0 wb6 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">6,518<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10ff y68c0 w5a4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">5,545<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1100 y68c0 w8e7 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">1,167<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1101 y68c0 w8e8 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">1,284<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1102 y68c0 w4b7 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">1,050<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x221 h8 y68c1 ff5 fs5 fc3 sc0 ls5 ws5\">Financial instruments held at fair value </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y65ef w8d2 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Loans and advances<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1103 y65ef w322 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">1,937<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1104 y65ef w8e9 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">1,985<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1105 y65ef w8ea h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">1,862<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbaa y65ef w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1106 y65ef w1cf h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1107 y65ef w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x221 h3b y68c2 ff1 fs5 fc3 sc0 ls5 ws0\">Reverse Repurchase agreements </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y68c3 w8d6 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">and<span class=\"_ gs1a1\"> </span>other similar secured lending<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1108 y68c3 w8eb h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">3,239<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1109 y68c3 w8ec h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">3,339<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x110a y68c3 w444 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">3,138<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x110b y68c3 w1cf h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x110c y68c3 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x110d y68c3 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x221 h1a y68c4 ff4 fs5 fc3 sc0 ls5 ws5\">Debt securities, alternative tier one </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y6574 w8d8 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">and<span class=\"_ gs1a1\"> </span>other eligible bills<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x110e y6574 w551 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">1,593<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x110f y6574 w29a h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">1,643<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1110 y6574 w5c9 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">1,542<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1111 y6574 w1cf h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1112 y6574 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1113 y6574 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6560 w8da h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Equity shares<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1114 y6560 w8ed h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">191<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1115 y6560 w8ee h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">210<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1116 y6560 w8ef h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">172<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1117 y6560 w3f2 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">965<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1118 y6560 w8f0 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">1,032<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1119 y6560 w8f1 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">888<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6575 wc5 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Derivative financial instruments<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x111a y6575 w35b h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(130)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x111b y6575 w8f2 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(115)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x111c y6575 w3be h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(147)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x111d y6575 w1cf h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x111e y6575 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x111f y6575 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y658d wf5 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Customer accounts<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1120 y658d w8f3 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(2,714)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1121 y658d w249 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(2,540)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1122 y658d w8f4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(2,883)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1123 y658d w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1124 y658d w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1125 y658d w1cf h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y658e wf2 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Deposits by banks<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xda3 y658e w1ca h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(371)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1126 y658e w1ca h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(371)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1127 y658e w1ca h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(371)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10d7 y658e w1cf h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10d8 y658e w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10d9 y658e w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6659 w5b5 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Short positions<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1128 y6659 w8f5 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(180)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1129 y6659 w29a h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(178)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x112a y6659 w8f6 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(182)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10e3 y6659 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10e4 y6659 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10e5 y6659 w1cf h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6566 w101 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Debt securities in issue<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x112b y6566 w8f7 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(1,414)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x112c y6566 w8f8 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(1,352)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9de y6566 w8f9 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(1,476)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x956 y6566 w1cf h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x112d y6566 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbe0 y6566 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6567 w8cb h203\"><div class=\"t m0 x1ed h1a y65de ff5 fs5 fc3 sc0 ls5 ws5\">At 31 December 2024<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x112e y6567 w8fa h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">2,151<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x112f y6567 w8fb h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">2,621<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1130 y6567 w350 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">1,655<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1059 y6567 w3f2 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">965<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1131 y6567 w8fc h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">1,032<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1132 y6567 w8f1 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">888<span class=\"_ _3eb\"> </span></div></td></tr></table>The reasonably possible alternatives could have <span class=\"_ _7\"></span>increased or decreased the fair values of <span class=\"_ _7\"></span>financial instruments held at fair value through profit or loss and those <span class=\"_ _7\"></span>classified as fair value through other comprehensive <span class=\"_ _7\"></span>income by the amounts disclosed below.<span class=\"_ _3eb\"> </span><table class=\"s w8fd h25e\" id=\"_2881217d-6ac2-4d95-8912-a149ec67ee6c\"><tr><td></td><td></td><td class=\"t m0 x405 h38 y68c5 ff5 fs17 fc0 sc0 ls21 ws20\">Fair value changes<span class=\"_ _3eb\"> </span></td><td></td><td></td></tr><tr><td></td><td class=\"c n x1133 y68c6 w8fe h204\"><div class=\"t m0 x1ed h38 y6563 ff5 fs17 fc0 sc0 ls21 ws20\">Possible increase<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n x1134 y68c6 w8ff h204\"><div class=\"t m0 x1ed h38 y6563 ff5 fs17 fc0 sc0 ls21 ws20\">Possible decrease<span class=\"_ _3eb\"> </span></div></td><td></td></tr><tr><td></td><td class=\"t m0 x3ff h38 y68c7 ff5 fs17 fc0 sc0 ls21 ws20\">2025<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x544 h38 y68c7 ff5 fs17 fc0 sc0 ls21 ws20\">2024<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1e8 h38 y68c7 ff5 fs17 fc0 sc0 ls21 ws20\">2025<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1e9 h38 y68c7 ff5 fs17 fc0 sc0 ls21 ws20\">2024<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"t m0 x221 h38 y68c8 ff5 fs17 fc3 sc0 ls21 ws20\">Financial instruments<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x404 h38 y68c8 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x405 h38 y68c8 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1eb h38 y68c8 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1ec h38 y68c8 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c n x1ee y68c9 w900 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Held at fair value through profit or loss<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1135 y68c9 w270 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">480<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1136 y68c9 w901 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">470<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1131 y68c9 w184 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(493)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1137 y68c9 w902 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(496)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y68ca w903 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Fair value through other comprehensive income<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1138 y68ca w6d4 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">117<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1139 y68ca w96 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">67<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x113a y68ca w3b4 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(117)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x113b y68ca w109 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(77)<span class=\"_ _3eb\"> </span></div></td></tr></table>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfFairValueOfFinancialInstrumentsExplanatory",
    "language": "en",
    "entity": "scheme:U4LOSYZ7YG4W3S5F2G91",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-684": {
   "value": "13. Financial instruments<span class=\"_ _3eb\"> </span>Classification and <span class=\"_ _7\"></span>measurement<span class=\"_ _3eb\"> </span>Accounting policy<span class=\"_ _3eb\"> </span>Financial assets <span class=\"_ _7\"></span>held at <span class=\"_ _7\"></span>amortised cost <span class=\"_ _7\"></span>and fair <span class=\"_ _7\"></span>value through <span class=\"_ _7\"></span>other comprehensive <span class=\"_ _7\"></span>income<span class=\"_ _3eb\"> </span>Debt instruments held at amortised cost or held at FVOCI have contractual terms that give rise to cash flows that are solely payments of principal and interest (SPPI) <span class=\"_ _7\"></span>characteristics. In assessing whether the contractual cash <span class=\"_ _7\"></span>flows have SPPI characteristics, the Group considers <span class=\"_ _7\"></span>the contractual terms of the instrument. This includes assessing whether the <span class=\"_ _7\"></span>financial asset contains a contractual term that <span class=\"_ _7\"></span>could change the timing or amount of contractual cash flows such <span class=\"_ _7\"></span>that it would not meet this condition. <span class=\"_ _7\"></span>In making the assessment, the Group <span class=\"_ _7\"></span>considers: <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">Contingent events that would change the amount and timing of cash flows</span> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ls2\">Leverage features</span> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ls2\">Prepayment and extension terms</span> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">Terms that limit the Group\u2019s claim to cash flows from specified assets <span class=\"_ _7\"></span>(e.g. non-recourse asset arrangements) </span> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">Features that modify consideration of the time value of money \u2013 e.g. <span class=\"_ _7\"></span>periodical reset of interest rates<span class=\"_ _3eb\"> </span></span>Whether financial assets are held at <span class=\"_ _7\"></span>amortised cost or at FVOCI depends on <span class=\"_ _7\"></span>the objectives of the business models <span class=\"_ _7\"></span>under which the assets are held. A <span class=\"_ _7\"></span>business model refers to how the Group <span class=\"_ _7\"></span>manages financial assets to generate cash <span class=\"_ _7\"></span>flows.<span class=\"_ _3eb\"> </span>The Group makes an assessment of <span class=\"_ _7\"></span>the objective of a business model in <span class=\"_ _7\"></span>which an asset is held at <span class=\"_ _7\"></span>the individual product business line, and where applicable within <span class=\"_ _7\"></span>business lines depending on the way the <span class=\"_ _7\"></span>business is managed and information is<span class=\"_ gs36\"> </span>provided to management. Factors considered include: <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ls2\">How the performance of the product business line is evaluated and reported to the Group\u2019s management</span> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">How managers of the business model are compensated, including whether management is <span class=\"_ _7\"></span>compensated based </span>on<span class=\"_ gs36\"> </span>the<span class=\"_ gs36\"> </span>fair value of assets or the <span class=\"_ _7\"></span>contractual cash flows collected <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ls2\">The risks that affect the performance of the business model and how those risks are managed</span> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">The frequency, volume and timing of sales in prior periods, the reasons <span class=\"_ _7\"></span>for such sales and expectations about <span class=\"_ _7\"></span>future </span>sales<span class=\"_ gs36\"> </span>activity<span class=\"_ _3eb\"> </span>The Group\u2019s business model assessment is <span class=\"_ _7\"></span>as follows:<span class=\"_ _3eb\"> </span><table class=\"s w51a h23d\" id=\"_75439fb2-8a84-4a62-a7d1-71356f640b90\"><tr><td class=\"t m0 x9bc h4 y66c6 ff2 fs1 fc1 sc0 ls1 ws2\">Business </td><td class=\"t m0 x9bd h4 y66c6 ff2 fs1 fc1 sc0 ls1 ws2\">Business </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m0 x9bc h4 y66c7 ff5 fs1 fc1 sc0 ls1 ws2\">model<span class=\"_ _3eb\"> </span></td><td class=\"c n x9be y66c9 w51b h23e\"><div class=\"t m0 x1ed h4 y66c8 ff5 fs1 fc1 sc0 ls1 ws2\">objective<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9bf y66c9 w51c h23e\"><div class=\"t m0 x1ed h4 y66c8 ff5 fs1 fc1 sc0 ls1 ws2\">Characteristics<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n x9c0 y66c9 w51d h23e\"><div class=\"t m0 x1ed h4 y66c8 ff2 fs1 fc1 sc0 ls1 ws2\">Businesses<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n x9c1 y66c9 w15e h23e\"><div class=\"t m0 x1ed h4 y66c8 ff5 fs1 fc1 sc0 ls1 ws2\">Products<span class=\"_ _3eb\"> </span></div></td><td></td></tr><tr><td class=\"t m0 x9bc h20 y66ca ff6 fs2 fc3 sc0 ls2 ws0\">Hold to </td><td class=\"t m0 x9bd h9 y66ca ff1 fs2 fc3 sc0 ls2 ws0\">Intent is to </td><td class=\"c n x9c2 y66cb w51e h1ff\"><div class=\"t m0 x1ed h5 y66b5 ff1 fs2 fc3 sc0 ls0 ws0\">\u2022<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c3 y66cb w51f h23f\"><div class=\"t m0 x1ed h5 y66b5 ff4 fs2 fc3 sc0 ls2 ws1\">Providing financing and originating<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c4 y66cd w520 h1ff\"><div class=\"t m0 x1ed h9 y66cc ff1 fs2 fc3 sc0 ls0 ws0\">\u2022<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c5 y66cd w521 h201\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls2 ws0\">Global Banking<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c6 y66cd w520 h1ff\"><div class=\"t m0 x1ed h9 y66cc ff1 fs2 fc3 sc0 ls0 ws0\">\u2022<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c7 y66cd w522 h201\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls2 ws0\">Loans and<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x9bc h20 y66cf ff6 fs2 fc3 sc0 ls2 ws1\">collect<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x9bd h5 y66cf ff4 fs2 fc3 sc0 ls2 ws1\">originate financial </td><td class=\"t m0 x9c8 h9 y66cf ff1 fs2 fc3 sc0 ls2 ws0\" colspan=\"2\">assets to earn interest income as </td><td class=\"c n x9c4 y66d0 w520 h201\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls0 ws0\">\u2022<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c5 y66d0 w523 h201\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls2 ws1\">Transaction<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x9c9 h9 y66cf ff1 fs2 fc3 sc0 ls2 ws1\" colspan=\"2\">advances<span class=\"_ _3eb\"> </span></td></tr><tr><td></td><td class=\"t m0 x9bd h9 y66d1 ff1 fs2 fc3 sc0 ls2 ws0\">assets and hold </td><td class=\"t m0 x9c8 h9 y66d1 ff1 fs2 fc3 sc0 ls2 ws0\" colspan=\"2\">primary income stream<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x9ca h9 y66d2 ff1 fs2 fc3 sc0 ls2 ws1\" colspan=\"2\">Banking<span class=\"_ _3eb\"> </span></td><td class=\"c n x9c6 y66d3 w520 h203\"><div class=\"t m0 x1ed h5 y66b5 ff1 fs2 fc3 sc0 ls0 ws0\">\u2022<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c7 y66d3 w524 h239\"><div class=\"t m0 x1ed h5 y66b5 ff4 fs2 fc3 sc0 ls2 ws1\">Debt securities<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td class=\"t m0 x9bd h9 y66d4 ff1 fs2 fc3 sc0 ls2 ws0\">them to maturity, </td><td class=\"c n x9c2 y66d5 w51e h201\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls0 ws0\">\u2022<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c3 y66d5 w525 h201\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls2 ws0\">Performing credit risk management<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c4 y66d6 w520 h201\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls0 ws0\">\u2022<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c5 y66d6 w526 h201\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls2 ws0\">Retail Lending<span class=\"_ _3eb\"> </span></div></td><td></td><td></td></tr><tr><td></td><td class=\"t m0 x9bd h9 y66d7 ff1 fs2 fc3 sc0 ls2 ws0\">collecting the </td><td class=\"t m0 x9c8 h5 y66d8 ff4 fs2 fc3 sc0 ls2 ws1\" colspan=\"2\">activities<span class=\"_ _3eb\"> </span></td><td class=\"c n x9c4 y66d9 w520 h201\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls0 ws0\">\u2022<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c5 y66d9 w527 h201\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls2 ws1\">Treasury<span class=\"_ _3eb\"> </span></div></td><td></td><td></td></tr><tr><td></td><td class=\"t m0 x9bd h9 y66da ff1 fs2 fc3 sc0 ls2 ws0\">contractual cash </td><td class=\"c n x9c2 y66db w51e h201\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls0 ws0\">\u2022<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c3 y66db w528 h201\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls2 ws0\">Costs include funding costs, transaction</div></td><td class=\"t m0 x9ca h9 y66dc ff1 fs2 fc3 sc0 ls2 ws0\" colspan=\"2\">Markets (Loans </td><td></td><td></td></tr><tr><td></td><td class=\"t m0 x9bd h9 y66dd ff1 fs2 fc3 sc0 ls2 ws0\">flows over the term </td><td class=\"t m0 x9c8 h5 y66de ff4 fs2 fc3 sc0 ls2 ws1\" colspan=\"2\">costs and impairment losses<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x9ca h5 y66df ff4 fs2 fc3 sc0 ls2 ws1\" colspan=\"2\">and Borrowings)<span class=\"_ _3eb\"> </span></td><td></td><td></td></tr><tr><td></td><td class=\"t m0 x9bd h9 y66e0 ff1 fs2 fc3 sc0 ls2 ws0\">of the instrument<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"c n x9c4 y66e1 w520 h201\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls0 ws0\">\u2022<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c5 y66e1 w529 h201\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls2 ws0\">Global Markets<span class=\"_ _3eb\"> </span></div></td><td></td><td></td></tr><tr><td class=\"t m0 x9bc h20 y66e2 ff6 fs2 fc3 sc0 ls2 ws0\">Hold to </td><td class=\"t m0 x9bd h5 y66e2 ff4 fs2 fc3 sc0 ls2 ws1\">Business objective </td><td class=\"c n x9c2 y66e3 w51e h203\"><div class=\"t m0 x1ed h5 y66b5 ff1 fs2 fc3 sc0 ls0 ws0\">\u2022<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c3 y66e3 w525 h239\"><div class=\"t m0 x1ed h5 y66b5 ff4 fs2 fc3 sc0 ls2 ws1\">Portfolios held for liquidity needs; or<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c4 y66e4 w520 h201\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls0 ws0\">\u2022<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c5 y66e4 w527 h201\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls2 ws1\">Treasury<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c6 y66e3 w520 h203\"><div class=\"t m0 x1ed h5 y66b5 ff1 fs2 fc3 sc0 ls0 ws0\">\u2022<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c7 y66e3 w524 h239\"><div class=\"t m0 x1ed h5 y66b5 ff4 fs2 fc3 sc0 ls2 ws1\">Debt securities<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x9bc h20 y66e5 ff6 fs2 fc3 sc0 ls2 ws1\">collect </td><td class=\"t m0 x9bd h9 y66e5 ff1 fs2 fc3 sc0 ls2 ws0\">met through both </td><td class=\"t m0 x9c8 h9 y66e5 ff1 fs2 fc3 sc0 ls2 ws0\" colspan=\"2\">where a certain interest yield profile is </td><td class=\"t m0 x9ca h9 y66e5 ff1 fs2 fc3 sc0 ls2 ws1\" colspan=\"2\">Markets<span class=\"_ _3eb\"> </span></td><td></td><td></td></tr><tr><td class=\"t m0 x9bc h20 y66e6 ff7 fs2 fc3 sc0 ls2 ws1\">and<span class=\"_ gs36e\"> </span>sell<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x9bd h9 y66e6 ff1 fs2 fc3 sc0 ls2 ws0\">hold to collect and </td><td class=\"t m0 x9c8 h5 y66e6 ff4 fs2 fc3 sc0 ls2 ws1\" colspan=\"2\">maintained; or that are normally </td><td class=\"c n x9c4 y66e7 w520 h201\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls0 ws0\">\u2022<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c5 y66e7 w52a h201\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls2 ws0\">Central Credit<span class=\"_ _3eb\"> </span></div></td><td></td><td></td></tr><tr><td></td><td class=\"t m0 x9bd h5 y66e8 ff4 fs2 fc3 sc0 ls2 ws1\">by selling financial </td><td class=\"t m0 x9c8 h9 y66e8 ff1 fs2 fc3 sc0 ls2 ws0\" colspan=\"2\">rebalanced to achieve matching of </td><td class=\"t m0 x9ca h9 y66e9 ff1 fs2 fc3 sc0 ls2 ws1\" colspan=\"2\">Unit<span class=\"_ _3eb\"> </span></td><td></td><td></td></tr><tr><td></td><td class=\"t m0 x9bd h9 y66ea ff1 fs2 fc3 sc0 ls2 ws1\">assets<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x9c8 h5 y66ea ff4 fs2 fc3 sc0 ls2 ws1\" colspan=\"2\">duration of assets and liabilities<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"c n x9c2 y66eb w51e h201\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls0 ws0\">\u2022<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c3 y66eb w52b h201\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls2 ws0\">Income streams come from interest<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"t m0 x9c8 h9 y66ec ff1 fs2 fc3 sc0 ls2 ws0\" colspan=\"2\">income, fair value changes, and </td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"t m0 x9c8 h5 y66ed ff4 fs2 fc3 sc0 ls2 ws1\" colspan=\"2\">impairment losses<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m0 x9bc h20 y66ee ff6 fs2 fc3 sc0 ls2 ws0\">Fair value </td><td class=\"t m0 x9bd h9 y66ee ff1 fs2 fc3 sc0 ls2 ws0\">All other business </td><td class=\"c n x9c2 y66ef w51e h201\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls0 ws0\">\u2022<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c3 y66ef w52c h201\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls2 ws0\">Assets held for trading<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c4 y66ef w520 h201\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls0 ws0\">\u2022<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c5 y66ef w527 h201\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls2 ws1\">Treasury<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c6 y66f0 w520 h203\"><div class=\"t m0 x1ed h5 y66b5 ff1 fs2 fc3 sc0 ls0 ws0\">\u2022<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c7 y66f0 w52d h239\"><div class=\"t m0 x1ed h5 y66b5 ff4 fs2 fc3 sc0 ls2 ws1\">Derivatives<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x9bc h20 y66f1 ff6 fs2 fc3 sc0 ls2 ws1\">through </td><td class=\"t m0 x9bd h5 y66f1 ff4 fs2 fc3 sc0 ls2 ws1\">objectives, </td><td class=\"c n x9c2 y66f2 w51e h203\"><div class=\"t m0 x1ed h5 y66b5 ff1 fs2 fc3 sc0 ls0 ws0\">\u2022<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c3 y66f2 w52e h239\"><div class=\"t m0 x1ed h5 y66b5 ff4 fs2 fc3 sc0 ls2 ws1\">Assets that are originated, purchased,<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x9ca h9 y66f1 ff1 fs2 fc3 sc0 ls2 ws1\" colspan=\"2\">Markets<span class=\"_ _3eb\"> </span></td><td class=\"c n x9c6 y66f3 w520 h201\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls0 ws0\">\u2022<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c7 y66f3 w52f h201\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls2 ws0\">Equity shares<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x9bc h20 y66f4 ff6 fs2 fc3 sc0 ls2 ws1\">profit </td><td class=\"t m0 x9bd h5 y66f4 ff4 fs2 fc3 sc0 ls2 ws1\">including trading </td><td class=\"t m0 x9c8 h9 y66f5 ff1 fs2 fc3 sc0 ls2 ws0\" colspan=\"2\">and sold for profit taking or </td><td class=\"c n x9c4 y66f6 w520 h203\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls0 ws0\">\u2022<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c5 y66f6 w529 h203\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls2 ws0\">Global Markets<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c6 y66f7 w520 h203\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls0 ws0\">\u2022<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c7 y66f7 w530 h203\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls2 ws1\">Trading<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x9bc h20 y66f8 ff7 fs2 fc3 sc0 ls2 ws1\">or<span class=\"_ gs36e\"> </span>loss<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x9bd h9 y66f8 ff1 fs2 fc3 sc0 ls2 ws0\">and managing </td><td class=\"t m0 x9c8 h5 y66f9 ff4 fs2 fc3 sc0 ls2 ws1\" colspan=\"2\">underwriting activity<span class=\"_ _3eb\"> </span></td><td class=\"c n x9c4 y66fa w520 h203\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls0 ws0\">\u2022<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c5 y66fa w531 h203\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls2 ws0\">All other<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x9c9 h9 y66fb ff1 fs2 fc3 sc0 ls2 ws1\" colspan=\"2\">portfolios<span class=\"_ _3eb\"> </span></td></tr><tr><td></td><td class=\"t m0 x9bd h5 y66fc ff4 fs2 fc3 sc0 ls2 ws1\">financial assets on </td><td class=\"c n x9c2 y66fd w51e h203\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls0 ws0\">\u2022<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c3 y66fd w532 h203\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls2 ws0\">Performance of the portfolio is<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"t m0 x9ca h9 y66fe ff1 fs2 fc3 sc0 ls2 ws0\">business lines<span class=\"_ _3eb\"> </span></td><td class=\"c n x9c6 y66ff w520 h203\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls0 ws0\">\u2022<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c7 y66ff w533 h203\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls2 ws0\">Reverse repos<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td class=\"t m0 x9bd h9 y6700 ff1 fs2 fc3 sc0 ls2 ws0\">a fair value basis<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x9c8 h9 y6701 ff1 fs2 fc3 sc0 ls2 ws0\" colspan=\"2\">evaluated on a fair value basis<span class=\"_ _3eb\"> </span></td><td></td><td></td><td class=\"c n x9c6 y6702 w520 h203\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls0 ws0\">\u2022<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c7 y6702 w534 h203\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls2 ws0\">Bond and Loan<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td></td><td class=\"c n x9c2 y6703 w51e h203\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls0 ws0\">\u2022<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c3 y6703 w535 h203\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls2 ws0\">Income streams are from fair value<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td></td><td class=\"t m0 x9c9 h5 y6704 ff4 fs2 fc3 sc0 ls2 ws1\">Syndication<span class=\"_ _3eb\"> </span></td></tr><tr><td></td><td></td><td></td><td class=\"t m0 x9c8 h9 y6705 ff1 fs2 fc3 sc0 ls2 ws0\">changes or trading gains or losses<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td></tr></table>Financial assets which have SPPI characteristics <span class=\"_ _7\"></span>and that are held within a business <span class=\"_ _7\"></span>model whose objective is to hold financial assets to collect contractual cashflows <span class=\"_ _7\"></span>(hold to collect) are recorded at amortised <span class=\"_ _7\"></span>cost. Conversely, financial assets<span class=\"_ gs36\"> </span>which have SPPI characteristics but are <span class=\"_ _7\"></span>held within a business model whose objective <span class=\"_ _7\"></span>is achieved by both collecting contractual cashflows and selling financial assets <span class=\"_ _7\"></span>(Hold to collect and sell) are classified <span class=\"_ _7\"></span>as held at FVOCI. Both hold <span class=\"_ _7\"></span>to collect and hold to collect and <span class=\"_ _7\"></span>sell business models involve holding financial assets <span class=\"_ _7\"></span>to collect the contractual cashflows. However, the business models are distinct <span class=\"_ _7\"></span>by reference to the frequency and significance <span class=\"_ _7\"></span>that asset sales play in meeting the<span class=\"_ gs36\"> </span>objective under which <span class=\"_ _7\"></span>a particular group of <span class=\"_ _1b\"></span>financial assets is managed. Hold to <span class=\"_ _7\"></span>collect business models <span class=\"_ _7\"></span>are characterised by<span class=\"_ gs36\"> </span>asset sales that are incidental to <span class=\"_ _7\"></span>meeting the objectives under which a group <span class=\"_ _7\"></span>of assets is managed. Sales of <span class=\"_ _7\"></span>assets under a<span class=\"_ gs36\"> </span>hold to collect business model can <span class=\"_ _7\"></span>be made to manage increases in the <span class=\"_ _7\"></span>credit risk of financial assets but <span class=\"_ _7\"></span>sales for other reasons should be infrequent or insignificant. <span class=\"_ _7\"></span>Cashflows from the sale of financial assets <span class=\"_ _7\"></span>under a hold to collect and <span class=\"_ _7\"></span>sell business model by contrast are integral <span class=\"_ _7\"></span>to achieving the objectives under which a <span class=\"_ _7\"></span>particular group of financial assets are managed. This may be the case <span class=\"_ _7\"></span>where frequent sales of financial assets are <span class=\"_ _7\"></span>required to manage the Group\u2019s daily <span class=\"_ _7\"></span>liquidity requirements or to meet regulatory requirements <span class=\"_ _7\"></span>to demonstrate liquidity of financial instruments. Sales <span class=\"_ _7\"></span>of assets under hold<span class=\"_ gs36\"> </span>to collect and sell business models <span class=\"_ _7\"></span>are therefore both more frequent and more <span class=\"_ _7\"></span>significant in value than those under the<span class=\"_ gs36\"> </span>hold to collect model.<span class=\"_ _3eb\"> </span>Equity instruments <span class=\"_ _7\"></span>designated as <span class=\"_ _7\"></span>held at <span class=\"_ _7\"></span>FVOCI<span class=\"_ _3eb\"> </span>Non-trading equity instruments acquired for strategic purposes rather than capital gain may be irrevocably designated at initial recognition as held at FVOCI <span class=\"_ _7\"></span>on an instrument-by-instrument basis. Dividends received are <span class=\"_ _7\"></span>recognised in profit or loss. Gains and losses arising from changes <span class=\"_ _7\"></span>in the fair value of these instruments, <span class=\"_ _7\"></span>including foreign exchange gains and losses, are<span class=\"_ gs36\"> </span>recognised directly in equity and are <span class=\"_ _7\"></span>never reclassified to profit or loss even <span class=\"_ _7\"></span>on derecognition<span class=\"_ _3eb\"> </span>Mandatorily classified <span class=\"_ _7\"></span>at fair <span class=\"_ _7\"></span>value through <span class=\"_ _7\"></span>profit or <span class=\"_ _7\"></span>loss<span class=\"_ _3eb\"> </span>Financial assets and liabilities which are <span class=\"_ _7\"></span>mandatorily held at fair value through profit <span class=\"_ _7\"></span>or loss are split between two subcategories as follows:<span class=\"_ _3eb\"> </span>Trading, including:  <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">Financial assets and liabilities held for trading, which are those acquired principally <span class=\"_ _7\"></span>for the purpose of selling </span>in<span class=\"_ gs36\"> </span>the<span class=\"_ gs36\"> </span>short-term <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">Derivatives.<span class=\"_ _3eb\"> </span></span>Non-trading mandatorily at fair value through <span class=\"_ _7\"></span>profit or loss, including: <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">Instruments in a business which has a fair value business model (see <span class=\"_ _7\"></span>the Group\u2019s business model assessment) which </span>are<span class=\"_ gs36\"> </span>not trading or derivatives <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">Hybrid financial assets that contain one or more embedded derivatives</span> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">Financial assets that would otherwise be measured at amortised cost or FVOCI <span class=\"_ _7\"></span>but which do not have SPPI <span class=\"_ _7\"></span>characteristics</span> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ls2\">Equity instruments that have not been designated as held at FVOCI</span> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">Financial liabilities that constitute contingent consideration in a business combination.<span class=\"_ _3eb\"> </span></span>Designated at <span class=\"_ _7\"></span>fair value <span class=\"_ _7\"></span>through profit <span class=\"_ _7\"></span>or loss<span class=\"_ _3eb\"> </span>Financial assets and liabilities may be <span class=\"_ _7\"></span>designated at fair value through profit or <span class=\"_ _7\"></span>loss when the designation eliminates or<span class=\"_ gs36\"> </span>significantly reduces a measurement or recognition <span class=\"_ _7\"></span>inconsistency that would otherwise arise from measuring <span class=\"_ _7\"></span>assets or<span class=\"_ gs36\"> </span>liabilities on a different basis (\u2018accounting <span class=\"_ _7\"></span>mismatch\u2019).<span class=\"_ _3eb\"> </span>Financial liabilities may also be designated <span class=\"_ _7\"></span>at fair value through profit or loss <span class=\"_ _7\"></span>where they are managed on a <span class=\"_ _7\"></span>fair value basis<span class=\"_ gs36\"> </span>or have an embedded derivative where <span class=\"_ _7\"></span>the Group is not able to separately <span class=\"_ _7\"></span>value, and thus bifurcate, the embedded derivative component.<span class=\"_ _3eb\"> </span>Financial liabilities <span class=\"_ _7\"></span>held at <span class=\"_ _7\"></span>amortised cost<span class=\"_ _3eb\"> </span>Financial liabilities that are not financial <span class=\"_ _7\"></span>guarantees or loan commitments and that are <span class=\"_ _7\"></span>not classified as financial liabilities held at fair value through profit <span class=\"_ _7\"></span>or loss are classified as financial liabilities <span class=\"_ _7\"></span>held at amortised cost.<span class=\"_ _3eb\"> </span>Preference shares which carry a mandatory coupon that represents a market rate of interest at the issue date, or which are<span class=\"_ gs36\"> </span>redeemable on a specific date or <span class=\"_ _7\"></span>at the option of the shareholder are <span class=\"_ _7\"></span>classified as financial liabilities and are <span class=\"_ _7\"></span>presented in<span class=\"_ gs36\"> </span>other borrowed funds. The dividends on <span class=\"_ _7\"></span>these preference shares are recognised in the <span class=\"_ _7\"></span>income statement as interest expense on an amortised cost basis <span class=\"_ _7\"></span>using the effective interest method.<span class=\"_ _3eb\"> </span>Financial guarantee <span class=\"_ _7\"></span>contracts and <span class=\"_ _7\"></span>loan commitments<span class=\"_ _3eb\"> </span>The Group issues financial guarantee contracts <span class=\"_ _7\"></span>and loan commitments in return for fees. <span class=\"_ _7\"></span>Financial guarantee contracts and<span class=\"_ gs36\"> </span>any loan commitments issued at below-market <span class=\"_ _7\"></span>interest rates are initially recognised at their <span class=\"_ _7\"></span>fair value as a financial liability and subsequently measured at the <span class=\"_ _7\"></span>higher of the initial value less the <span class=\"_ _7\"></span>cumulative amount of income recognised in<span class=\"_ gs36\"> </span>accordance with the principles of IFRS <span class=\"_ _7\"></span>15 Revenue from Contracts with Customers and <span class=\"_ _7\"></span>their expected credit loss provision. Loan commitments may be designated at fair value through profit or loss where that is the business model under which such<span class=\"_ gs36\"> </span>contracts are held.<span class=\"_ _3eb\"> </span>Fair value <span class=\"_ _7\"></span>of financial <span class=\"_ _7\"></span>assets and <span class=\"_ _7\"></span>liabilities<span class=\"_ _3eb\"> </span>The fair value of financial instruments <span class=\"_ _7\"></span>is generally measured on the basis of <span class=\"_ _7\"></span>the individual financial instrument. However, when a group of financial assets <span class=\"_ _7\"></span>and financial liabilities is managed on the <span class=\"_ _7\"></span>basis of its net exposure to <span class=\"_ _7\"></span>either market risk or<span class=\"_ gs36\"> </span>credit risk, the fair value of <span class=\"_ _7\"></span>the group of financial instruments is measured <span class=\"_ _7\"></span>on a net basis.<span class=\"_ _3eb\"> </span>The fair values of quoted financial <span class=\"_ _7\"></span>assets and liabilities in active markets are <span class=\"_ _7\"></span>based on current prices. A market <span class=\"_ _7\"></span>is regarded as<span class=\"_ gs36\"> </span>active if transactions <span class=\"_ _7\"></span>for the asset or <span class=\"_ _1b\"></span>liability take place with sufficient frequency <span class=\"_ _7\"></span>and volume to <span class=\"_ _7\"></span>provide pricing information on an ongoing basis. If the <span class=\"_ _7\"></span>market for a financial instrument, and for <span class=\"_ _7\"></span>unlisted securities, is not active, the <span class=\"_ _7\"></span>Group establishes fair value by using valuation techniques<span class=\"_ _3eb\"> </span>Initial recognition<span class=\"_ _3eb\"> </span>Regular way purchases and sales of <span class=\"_ _7\"></span>financial assets held at fair value through <span class=\"_ _7\"></span>profit or loss, and held at <span class=\"_ _7\"></span>fair value through other comprehensive income, are initially recognised <span class=\"_ _7\"></span>on the trade date (the date on <span class=\"_ _7\"></span>which the Group commits to purchase or<span class=\"_ gs36\"> </span>sell the asset). Loans and advances <span class=\"_ _7\"></span>and other financial assets held at amortised <span class=\"_ _7\"></span>cost are recognised on the settlement date (the date on which cash <span class=\"_ _7\"></span>is advanced to the borrowers).<span class=\"_ _3eb\"> </span>All financial instruments are initially recognised <span class=\"_ _7\"></span>at fair value, which is normally the <span class=\"_ _7\"></span>transaction price, plus directly attributable transaction costs for financial assets and <span class=\"_ _7\"></span>liabilities which are not subsequently measured at <span class=\"_ _7\"></span>fair value through profit or loss.<span class=\"_ _3eb\"> </span>In certain circumstances, the initial fair <span class=\"_ _7\"></span>value may be based on a valuation <span class=\"_ _7\"></span>technique which may lead to the <span class=\"_ _7\"></span>recognition of profits or losses at the time <span class=\"_ _7\"></span>of initial recognition. However, these profits or <span class=\"_ _7\"></span>losses can only be recognised when <span class=\"_ _7\"></span>the valuation technique used is based solely on <span class=\"_ _7\"></span>observable market data. In those cases where <span class=\"_ _7\"></span>the initially recognised fair value is <span class=\"_ _7\"></span>based on<span class=\"_ gs36\"> </span>a valuation model that uses unobservable <span class=\"_ _7\"></span>inputs, the difference between the transaction price <span class=\"_ _7\"></span>and the valuation model is<span class=\"_ gs36\"> </span>not recognised immediately in the income <span class=\"_ _7\"></span>statement, it will be recognised in profit <span class=\"_ _7\"></span>or loss following the passage of <span class=\"_ _7\"></span>time, or<span class=\"_ gs36\"> </span>as the inputs become observable, or <span class=\"_ _7\"></span>the transaction matures or is terminated.<span class=\"_ _3eb\"> </span>Subsequent measurement<span class=\"_ _3eb\"> </span>Financial assets <span class=\"_ _7\"></span>and financial <span class=\"_ _7\"></span>liabilities held <span class=\"_ _7\"></span>at amortised <span class=\"_ _7\"></span>cost<span class=\"_ _3eb\"> </span>Financial assets and financial liabilities held <span class=\"_ _7\"></span>at amortised cost are subsequently carried at <span class=\"_ _7\"></span>amortised cost using the effective<span class=\"_ gs36\"> </span>interest method (see \u2018Interest income and <span class=\"_ _7\"></span>expense\u2019). Foreign exchange gains and losses are <span class=\"_ _7\"></span>recognised in the income statement.<span class=\"_ _3eb\"> </span>Where a financial instrument carried at <span class=\"_ _7\"></span>amortised cost is the hedged item in <span class=\"_ _7\"></span>a qualifying fair value hedge relationship, its<span class=\"_ gs36\"> </span>carrying value is adjusted by the <span class=\"_ _7\"></span>fair value gain or loss attributable to <span class=\"_ _7\"></span>the hedged risk.<span class=\"_ _3eb\"> </span>Financial assets <span class=\"_ _7\"></span>held at <span class=\"_ _7\"></span>FVOCI<span class=\"_ _3eb\"> </span>Debt instruments held at FVOCI are <span class=\"_ _7\"></span>subsequently carried at fair value, with all <span class=\"_ _7\"></span>unrealised gains and losses arising from changes in fair value recognised in <span class=\"_ _7\"></span>other comprehensive income and accumulated in a <span class=\"_ _7\"></span>separate component of equity. Foreign exchange gains and losses on <span class=\"_ _7\"></span>the amortised cost are recognised in income. <span class=\"_ _7\"></span>Changes in expected credit losses are recognised in the profit or loss <span class=\"_ _7\"></span>and are accumulated in equity. On derecognition, <span class=\"_ _7\"></span>the cumulative fair value gains or <span class=\"_ _7\"></span>losses, net<span class=\"_ gs36\"> </span>of the cumulative expected credit loss <span class=\"_ _7\"></span>reserve, are transferred to the profit or <span class=\"_ _7\"></span>loss. Equity investments designated at FVOCI are <span class=\"_ _7\"></span>subsequently carried at fair value with all <span class=\"_ _7\"></span>unrealised gains and losses arising from changes in fair value (including <span class=\"_ _7\"></span>any related foreign exchange gains or losses) <span class=\"_ _7\"></span>recognised in other comprehensive income and accumulated in a separate <span class=\"_ _7\"></span>component of equity. On derecognition, the cumulative <span class=\"_ _7\"></span>reserve is transferred to<span class=\"_ gs36\"> </span>retained earnings and is not recycled <span class=\"_ _7\"></span>to profit or loss.<span class=\"_ _3eb\"> </span>Financial assets <span class=\"_ _7\"></span>and liabilities <span class=\"_ _7\"></span>held at <span class=\"_ _7\"></span>fair value <span class=\"_ _7\"></span>through profit <span class=\"_ _7\"></span>or loss<span class=\"_ _3eb\"> </span>Gains and losses arising from changes <span class=\"_ _7\"></span>in fair value, including contractual interest income <span class=\"_ _7\"></span>or expense, recorded in the net trading income line in the profit <span class=\"_ _7\"></span>or loss. Derecognition of <span class=\"_ _7\"></span>financial instruments<span class=\"_ _3eb\"> </span>Financial assets which are subject to <span class=\"_ _7\"></span>commercial refinancing where the loan is priced <span class=\"_ _7\"></span>to the market with no payment <span class=\"_ _7\"></span>related concessions regardless of form of legal <span class=\"_ _7\"></span>documentation or nature of lending will be <span class=\"_ _7\"></span>derecognised. Where the Group\u2019s rights to<span class=\"_ gs36\"> </span>the cash flows under the original <span class=\"_ _7\"></span>contract have expired, the old loan is <span class=\"_ _7\"></span>derecognised, and the new loan is <span class=\"_ _7\"></span>recognised at fair value. For all other modifications <span class=\"_ _7\"></span>for example forborne loans or restructuring, whether <span class=\"_ _7\"></span>or not a change in the <span class=\"_ _7\"></span>cash flows is<span class=\"_ gs36\"> </span>\u2018substantially different\u2019 is judgemental and will <span class=\"_ _7\"></span>be considered on a case-by-case basis, taking <span class=\"_ _7\"></span>into account all the relevant facts and circumstances.<span class=\"_ _3eb\"> </span>On derecognition of a financial asset, <span class=\"_ _7\"></span>the difference between the carrying amount of <span class=\"_ _7\"></span>the asset (or the carrying amount allocated to the portion of the <span class=\"_ _7\"></span>asset derecognised) and the sum of the <span class=\"_ _7\"></span>consideration received (including any new asset obtained less any new liability assumed) <span class=\"_ _7\"></span>and any cumulative gain or loss that <span class=\"_ _7\"></span>had been recognised in other comprehensive income is recognised in profit or <span class=\"_ _7\"></span>loss except for equity instruments elected FVOCI <span class=\"_ _7\"></span>(see above) and cumulative fair value adjustments attributable to the credit risk <span class=\"_ _7\"></span>of a liability that are held in <span class=\"_ _7\"></span>other comprehensive income.<span class=\"_ _3eb\"> </span>Financial liabilities are derecognised when they <span class=\"_ _7\"></span>are extinguished. A financial liability is extinguished <span class=\"_ _7\"></span>when the obligation is<span class=\"_ gs36\"> </span>discharged, cancelled or expires and this <span class=\"_ _7\"></span>is evaluated both qualitatively and quantitatively. However, where a financial liability has <span class=\"_ _7\"></span>been modified, it is derecognised if the <span class=\"_ _7\"></span>difference between the modified cash flows and the original cash flows is <span class=\"_ _7\"></span>more than 10 per cent, or if <span class=\"_ _7\"></span>less than 10 per cent, the <span class=\"_ _7\"></span>Group will perform a qualitative assessment to determine whether the terms <span class=\"_ _7\"></span>of the two instruments are substantially different. <span class=\"_ _7\"></span>If the Group purchases its own<span class=\"_ gs36\"> </span>debt, it is derecognised and the <span class=\"_ _7\"></span>difference between the carrying amount of the <span class=\"_ _7\"></span>liability and the consideration paid is<span class=\"_ gs36\"> </span>included in \u2018Other income\u2019 except for <span class=\"_ _7\"></span>the cumulative fair value adjustments attributable to <span class=\"_ _7\"></span>the credit risk of a liability <span class=\"_ _7\"></span>that are<span class=\"_ gs36\"> </span>held in Other comprehensive income, which <span class=\"_ _7\"></span>are never recycled to the profit or <span class=\"_ _7\"></span>loss.<span class=\"_ _3eb\"> </span>Modified financial <span class=\"_ _7\"></span>instruments<span class=\"_ _3eb\"> </span>Financial assets and financial liabilities whose <span class=\"_ _7\"></span>original contractual terms have been modified, including <span class=\"_ _7\"></span>those loans subject to forbearance strategies, are considered to <span class=\"_ _7\"></span>be modified instruments. Modifications may include changes <span class=\"_ _7\"></span>to the tenor, cash<span class=\"_ gs36\"> </span>flows and or interest rates among <span class=\"_ _7\"></span>other factors. Where derecognition of financial assets is <span class=\"_ _7\"></span>appropriate (see Derecognition), the newly recognised residual <span class=\"_ _7\"></span>loans are assessed to determine whether the assets should <span class=\"_ _7\"></span>be classified as purchased or originated credit-impaired <span class=\"_ _7\"></span>assets (POCI). Where derecognition is not appropriate, the gross <span class=\"_ _7\"></span>carrying amount of the applicable instruments is <span class=\"_ _7\"></span>recalculated as the present value of the renegotiated or modified <span class=\"_ _7\"></span>contractual cash flows discounted at the original <span class=\"_ _7\"></span>effective interest rate (or credit adjusted effective interest rate for POCI <span class=\"_ _7\"></span>financial assets). The difference between the recalculated values <span class=\"_ _7\"></span>and the pre-modified gross carrying values of <span class=\"_ _7\"></span>the instruments are recorded as a modification gain or loss <span class=\"_ _7\"></span>in the profit or loss. Gains and <span class=\"_ _7\"></span>losses arising from modifications for credit <span class=\"_ _7\"></span>reasons are recorded as part of \u2018Credit Impairment\u2019 (see <span class=\"_ _7\"></span>Credit Impairment policy). Modification gains and losses arising from <span class=\"_ _7\"></span>non-credit reasons are recognised either as part <span class=\"_ _7\"></span>of \u2018Credit Impairment\u2019 or within<span class=\"_ gs36\"> </span>income depending on whether there has <span class=\"_ _7\"></span>been a change in the credit risk <span class=\"_ _7\"></span>on the financial asset subsequent to <span class=\"_ _7\"></span>the modification. Modification gains and losses arising <span class=\"_ _7\"></span>on financial liabilities are recognised within income. <span class=\"_ _7\"></span>The movements in<span class=\"_ gs36\"> </span>the applicable expected credit loss loan <span class=\"_ _7\"></span>positions are disclosed in further detail in <span class=\"_ _7\"></span>Risk Review.<span class=\"_ _3eb\"> </span>The Group\u2019s classification of its financial <span class=\"_ _7\"></span>assets and liabilities is summarised in the <span class=\"_ _7\"></span>following tables.<span class=\"_ _3eb\"> </span><table class=\"s w536 h240\" id=\"_d548c618-7a25-4a3a-90f5-bd722ff9f15e\"><tr><td></td><td></td><td></td><td></td><td></td><td class=\"t m0 x9cb h14f y6706 ff5 fs64 fc0 sc0 ls50 ws5b\">Assets at fair value<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"t m0 x9cc h14f y6707 ff5 fs64 fc0 sc0 ls50 ws5b\" colspan=\"2\">Non-trading </td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"t m0 x9cd h14f y6708 ff5 fs64 fc0 sc0 ls50 ws5b\">mandatorily </td><td class=\"t m0 x9ce h14f y6708 ff5 fs64 fc0 sc0 ls50 ws5b\" colspan=\"2\">Designated </td><td class=\"c n x606 y6709 w537 h21e\"><div class=\"t m0 x1ed h14f y6611 ff5 fs64 fc0 sc0 ls50 ws5b\">Fair value</div></td><td class=\"t m0 x9cf h14f y6708 ff5 fs64 fc0 sc0 ls50 ws5b\">Total </td><td class=\"t m0 x9d0 h14f y6708 ff5 fs64 fc0 sc0 ls50 ws5b\">Assets<span class=\"_ _3eb\"> </span></td><td></td></tr><tr><td></td><td></td><td></td><td class=\"t m0 x5fd h14f y670a ff5 fs64 fc0 sc0 ls50 ws5b\">Derivatives </td><td class=\"t m0 x9cd h14f y670a ff5 fs64 fc0 sc0 ls50 ws5b\" colspan=\"2\">at fair value </td><td class=\"c x9d2 y670b w538 h21e\" colspan=\"2\"><div class=\"t m0 x1ed h14f y6611 ff5 fs64 fc0 sc0 ls50 ws5b\">at fair value<span class=\"_ _3eb\"> </span></div><div class=\"t m0 x9d1 h14f y6611 ff5 fs64 fc0 sc0 ls50 ws5b\">through other</div></td><td class=\"t m0 x9d3 h14f y670a ff5 fs64 fc0 sc0 ls50 ws5b\">financial </td><td class=\"t m0 x9d4 h14f y670a ff5 fs64 fc0 sc0 ls50 ws5b\">held at </td><td></td></tr><tr><td></td><td></td><td></td><td class=\"t m0 x8f7 h14f y670c ff5 fs64 fc0 sc0 ls50 ws5b\">held for </td><td class=\"t m0 x9cb h14f y670c ff5 fs64 fc0 sc0 ls50 ws5b\">through </td><td class=\"c n x9d5 y670d w539 h21e\"><div class=\"t m0 x1ed h14f y6611 ff5 fs64 fc0 sc0 ls50 ws5b\">through</div></td><td class=\"t m0 x9d6 h14f y670c ff5 fs64 fc0 sc0 ls50 ws5b\">comprehensive </td><td class=\"t m0 x9d3 h14f y670c ff2 fs64 fc0 sc0 ls50 ws0\">assets at </td><td class=\"t m0 x9d7 h14f y670c ff5 fs64 fc0 sc0 ls50 ws5b\">amortised </td><td></td></tr><tr><td></td><td></td><td class=\"t m0 x536 h14f y670e ff5 fs64 fc0 sc0 ls50 ws5b\">Trading<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x403 h14f y670e ff5 fs64 fc0 sc0 ls50 ws5b\">hedging<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x9cd h14f y670e ff5 fs64 fc0 sc0 ls50 ws5b\">profit<span class=\"_ gs3f9\"> </span>or loss<span class=\"_ _3eb\"> </span></td><td class=\"c n x9d2 y670f w53a h21e\"><div class=\"t m0 x1ed h14f y6611 ff5 fs64 fc0 sc0 ls50 ws5b\">profit<span class=\"_ gs3f9\"> </span>or loss</div></td><td class=\"t m0 x544 h14f y670e ff5 fs64 fc0 sc0 ls50 ws5b\">income<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x9d8 h14f y670e ff5 fs64 fc0 sc0 ls50 ws5b\">fair<span class=\"_ gs3f9\"> </span>value<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x9d9 h14f y670e ff2 fs64 fc0 sc0 ls50 ws5b\">cost<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x53d h14f y670e ff5 fs64 fc0 sc0 ls50 ws5b\">Total<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c n x1ee y6710 w53b h209\"><div class=\"t m0 x1ed h151 y6597 ff1 fs64 fc3 sc0 ls50 ws5b\">Assets<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9da y6710 w53c h209\"><div class=\"t m0 x1ed h151 y6597 ff1 fs64 fc3 sc0 ls50 ws5b\">Notes</div></td><td class=\"t m0 x536 h14f y6711 ff5 fs64 fc0 sc0 ls50 ws5b\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x8f7 h14f y6711 ff5 fs64 fc0 sc0 ls50 ws5b\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x9cb h14f y6711 ff5 fs64 fc0 sc0 ls50 ws5b\">$million<span class=\"_ _3eb\"> </span></td><td class=\"c n x9d5 y6712 w53d h21e\"><div class=\"t m0 x1ed h14f y6611 ff5 fs64 fc0 sc0 ls50 ws5b\">$million</div></td><td class=\"t m0 x544 h14f y6711 ff5 fs64 fc0 sc0 ls50 ws5b\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x545 h14f y6711 ff5 fs64 fc0 sc0 ls50 ws5b\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x546 h14f y6711 ff5 fs64 fc0 sc0 ls50 ws5b\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x547 h14f y6711 ff5 fs64 fc0 sc0 ls50 ws5b\">$million<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c x1ee y6713 w53e h241\"><div class=\"t m0 x1ed hba y65a9 ff1 fs7 fc3 sc0 ls7 ws0\">Cash and balances at central banks</div><div class=\"t m0 x9db hd1 y65aa ff1 fs61 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n x9dc y6714 w14d h20c\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9dd y6714 w14d h20c\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9de y6714 w14e h20c\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9df y6714 w14f h20c\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9e0 y6714 w14d h20c\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9e1 y6714 w14f h20c\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9e2 y6714 w53f h20c\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">77,746<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9e3 y6714 w53f h20c\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">77,746<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y6717 w540 h242\"><div class=\"t m0 x1ed h13 y6715 ff5 fs7 fc3 sc0 ls7 ws7\">Financial assets held at fair value through profit <span class=\"_ _7\"></span>or<span class=\"_ _3eb\"> </span></div><div class=\"t m0 x1ed h13 y6716 ff5 fs7 fc3 sc0 ls7 ws7\">loss<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x40b y6718 w541 h241\"><div class=\"t m0 x1ed hba y65a9 ff1 fs7 fc3 sc0 ls7 ws0\">Loans and advances to banks</div><div class=\"t m0 x9e4 hd1 y65aa ff1 fs61 fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n x9e5 y6719 w542 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">2,984<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9e6 y6719 w14e h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9e7 y6719 w14e h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9e8 y6719 w14f h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9e9 y6719 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9ea y6719 w542 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">2,984<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9eb y6719 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9ec y6719 w542 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">2,984<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x40b y671a w543 h241\"><div class=\"t m0 x1ed hba y65a9 ff1 fs7 fc3 sc0 ls7 ws0\">Loans and advances to customers</div><div class=\"t m0 x9ed hd1 y65aa ff1 fs61 fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n x9e5 y671b w544 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">12,152<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9ee y671b w14e h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9ef y671b w545 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">203<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9f0 y671b w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9f1 y671b w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9f2 y671b w546 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">12,355<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9f3 y671b w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9f4 y671b w546 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">12,355<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x40a hb y671c ff4 fs7 fc3 sc0 ls7 ws7\">Reverse repurchase agreements and other similar </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x40b y671d w547 h20d\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws0\">secured lending<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9f5 y671d w1ac h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">16<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9f6 y671d w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9f7 y671d w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9f8 y671d w548 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">84,130<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9f9 y671d w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9fa y671d w14f h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9fb y671d w549 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">84,130<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9fc y671d w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9fd y671d w54a h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">84,130<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x40b y671f w54b h243\"><div class=\"t m0 x1ed hb y671e ff4 fs7 fc3 sc0 ls7 ws7\">Debt securities, alternative tier one and other<span class=\"_ _3eb\"> </span></div><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">eligible bills<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n x9fe y671f w54c h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">86,531<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9ff y671f w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa00 y671f w54d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">130<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa01 y671f w54e h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">43<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa02 y671f w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa03 y671f w54f h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">86,704<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa04 y671f w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa05 y671f w54f h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">86,704<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x40b y6720 w550 h20d\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws0\">Equity shares<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n xa06 y6720 w551 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">8,946<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa07 y6720 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa08 y6720 w552 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">138<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa09 y6720 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa0a y6720 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa0b y6720 w553 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">9,084<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa0c y6720 w14f h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa0d y6720 w553 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">9,084<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td></td><td class=\"c n xa0e y6721 w77 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">110,613<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa0f y6721 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa10 y6721 w554 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">84,601<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa11 y6721 w54e h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">43<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa12 y6721 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa13 y6721 w555 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">195,257<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa14 y6721 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa15 y6721 w555 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">195,257<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6722 w556 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">Derivative financial instruments<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa16 y6722 w557 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">14<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa17 y6722 w558 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">64,023<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa18 y6722 w559 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">1,759<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa19 y6722 w14e h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa1a y6722 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa1b y6722 w14f h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa1c y6722 w55a h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">65,782<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa1d y6722 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa1e y6722 w55a h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">65,782<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y6723 w55b h241\"><div class=\"t m0 x1ed hba y65a9 ff1 fs7 fc3 sc0 ls7 ws0\">Loans and advances to banks</div><div class=\"t m0 xa1f hd1 y65aa ff1 fs61 fc3 sc0 ls44 ws49\">2,3<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa20 y6724 w55c h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">15<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa21 y6724 w14e h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa22 y6724 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa23 y6724 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa24 y6724 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa25 y6724 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa26 y6724 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa27 y6724 w55d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">43,901<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa28 y6724 w55d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">43,901<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x40b y6725 w55e h243\"><div class=\"t m0 x1ed hb y671e ff4 fs7 fc3 sc0 ls7 ws7\">Of which \u2013 reverse repurchase agreements and<span class=\"_ _3eb\"> </span></div><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">other similar secured lending<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa29 y6725 w1ac h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">16<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa2a y6725 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa2b y6725 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa2c y6725 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa2d y6725 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa2e y6725 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa2f y6725 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa30 y6725 w55f h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">3,724<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa31 y6725 w55f h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">3,724<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y6726 w560 h241\"><div class=\"t m0 x1ed hba y65a9 ff1 fs7 fc3 sc0 ls7 ws0\">Loans and advances to customers</div><div class=\"t m0 xa32 hd1 y65aa ff1 fs61 fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa20 y6727 w55c h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">15<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa21 y6727 w14e h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa22 y6727 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa23 y6727 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa24 y6727 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa25 y6727 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa26 y6727 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa33 y6727 w2e5 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">286,788<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa34 y6727 w2e5 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">286,788<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x40b y6728 w55e h243\"><div class=\"t m0 x1ed hb y671e ff4 fs7 fc3 sc0 ls7 ws7\">Of which \u2013 reverse repurchase agreements and<span class=\"_ _3eb\"> </span></div><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">other similar secured lending<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa29 y6728 w1ac h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">16<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa2a y6728 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa2b y6728 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa2c y6728 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa2d y6728 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa2e y6728 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa2f y6728 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa35 y6728 w561 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">8,242<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa36 y6728 w562 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">8,242<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x221 h13 y6729 ff5 fs7 fc3 sc0 ls7 ws7\">Investment securities<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x40b y672a w54b h243\"><div class=\"t m0 x1ed hb y671e ff4 fs7 fc3 sc0 ls7 ws7\">Debt securities, alternative tier one and other<span class=\"_ _3eb\"> </span></div><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">eligible bills<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n xa37 y672a w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa38 y672a w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa39 y672a w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa3a y672a w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa3b y672a w563 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">108,503<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa3c y672a w564 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">108,503<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa3d y672a w565 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">57,250<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa3e y672a w566 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">165,753<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x40b y672b w550 h212\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws0\">Equity shares<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n xa3f y672b w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa40 y672b w14e h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa41 y672b w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa42 y672b w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa43 y672b w567 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">1,203<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa44 y672b w567 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">1,203<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa45 y672b w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa46 y672b w16e h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">1,203<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td></td><td class=\"c n x9dc y672c w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9dd y672c w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9de y672c w14e h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9df y672c w14f h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa47 y672c w568 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">109,706<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa48 y672c w568 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">109,706<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa49 y672c w569 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">57,250<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa4a y672c w56a h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">166,956<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y672d w56b h212\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws0\">Other assets<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa4b y672d w56c h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">20<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td></td><td></td><td class=\"c n xa4c y672d w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa4d y672d w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa4e y672d w56d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">36,770<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa4f y672d w56d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">36,770<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y672e w56e h212\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws0\">Assets held for sale<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa50 y672e w18a h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">21<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa51 y672e w14e h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa52 y672e w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa53 y672e w14e h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa54 y672e w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa55 y672e w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa56 y672e w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa57 y672e w56f h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">1,042<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa58 y672e w56f h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">1,042<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y672f w570 h20b\"><div class=\"t m0 x1ed hb2 y65af ff5 fs7 fc3 sc0 ls7 ws7\">Total at 31 December 2025<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n xa59 y672f w571 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">174,636<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa5a y672f w572 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">1,759<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa5b y672f w554 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">84,601<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa5c y672f w573 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">43<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa5d y672f w574 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">109,706<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa5e y672f w575 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">370,745<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa5f y672f w576 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">503,497<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa60 y672f w577 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">874,242<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y6730 w53e h244\"><div class=\"t m0 x1ed hba y65a9 ff1 fs7 fc3 sc0 ls7 ws0\">Cash and balances at central banks</div><div class=\"t m0 x9db hd1 y65be ff1 fs61 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"c n x7b2 y6731 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa61 y6731 w578 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">63,447<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa62 y6731 w579 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">63,447<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x221 hb y6732 ff4 fs7 fc3 sc0 ls7 ws7\">Financial assets held at fair value through profit <span class=\"_ _7\"></span>or loss<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x40b y6733 w541 h241\"><div class=\"t m0 x1ed hba y65a9 ff1 fs7 fc3 sc0 ls7 ws0\">Loans and advances to banks</div><div class=\"t m0 x9e4 hd1 y65aa ff1 fs61 fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n xa63 y6734 w57a h212\"><div class=\"t m0 x1ed hb y659e ff1 fs7 fc3 sc0 ls7 ws7\">2,213<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa64 y6734 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa65 y6734 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa66 y6734 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa67 y6734 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa68 y6734 w57a h212\"><div class=\"t m0 x1ed hb y659e ff1 fs7 fc3 sc0 ls7 ws7\">2,213<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa69 y6734 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa6a y6734 w57b h212\"><div class=\"t m0 x1ed hb y659e ff1 fs7 fc3 sc0 ls7 ws7\">2,213<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x40b y6735 w543 h241\"><div class=\"t m0 x1ed hba y65a9 ff1 fs7 fc3 sc0 ls7 ws0\">Loans and advances to customers</div><div class=\"t m0 x9ed hd1 y65aa ff1 fs61 fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n xa6b y6736 w57c h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">6,912<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa6c y6736 w14e h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa6d y6736 w57d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">172<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa6e y6736 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa6f y6736 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa70 y6736 w57e h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">7,084<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa71 y6736 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa72 y6736 w57e h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">7,084<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x40a hb y6737 ff4 fs7 fc3 sc0 ls7 ws7\">Reverse repurchase agreements and other similar </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x40b y6738 w547 h212\"><div class=\"t m0 x1ed hb y659e ff1 fs7 fc3 sc0 ls7 ws0\">secured lending<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa73 y6738 w145 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">16<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa74 y6738 w57f h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">336<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa75 y6738 w14e h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa76 y6738 w580 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">85,859<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa77 y6738 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa78 y6738 w14f h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa79 y6738 w581 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">86,195<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa7a y6738 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa7b y6738 w582 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">86,195<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x40b y6739 w54b h20f\"><div class=\"t m0 x1ed hb y65a2 ff4 fs7 fc3 sc0 ls7 ws7\">Debt securities, alternative tier one and other<span class=\"_ _3eb\"> </span></div><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">eligible bills<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n xa7c y6739 w583 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">76,329<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa2b y6739 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa7d y6739 w584 h212\"><div class=\"t m0 x1ed hb y659e ff1 fs7 fc3 sc0 ls7 ws7\">140<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa7e y6739 w585 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">70<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa7f y6739 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa80 y6739 w586 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">76,539<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa81 y6739 w14f h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa82 y6739 w586 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">76,539<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x40b y673a w550 h212\"><div class=\"t m0 x1ed hb y659e ff1 fs7 fc3 sc0 ls7 ws0\">Equity shares<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n xa83 y673a w587 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">5,285<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa84 y673a w14e h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa85 y673a w171 h212\"><div class=\"t m0 x1ed hb y659e ff1 fs7 fc3 sc0 ls7 ws7\">201<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa42 y673a w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa86 y673a w14f h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa87 y673a w588 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">5,486<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa88 y673a w14f h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa89 y673a w588 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">5,486<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td></td><td class=\"c n x527 y673b w589 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">91,075<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa8a y673b w14e h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa8b y673b w58a h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">86,372<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa8c y673b w58b h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">70<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa8d y673b w14f h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa8e y673b w58c h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">177,517<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa8f y673b w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa90 y673b w58c h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">177,517<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y673c w556 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">Derivative financial instruments<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa91 y673c w58d h212\"><div class=\"t m0 x1ed hb y659e ff1 fs7 fc3 sc0 ls7 ws7\">14<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa92 y673c w58e h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">78,906<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa93 y673c w58f h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">2,566<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa94 y673c w14e h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa95 y673c w14f h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa96 y673c w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa97 y673c w32d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">81,472<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa98 y673c w14f h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa99 y673c w32d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">81,472<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y673d w55b h244\"><div class=\"t m0 x1ed hba y65a9 ff1 fs7 fc3 sc0 ls7 ws0\">Loans and advances to banks</div><div class=\"t m0 xa1f hd1 y65be ff1 fs61 fc3 sc0 ls44 ws49\">2,3<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa20 y673e w590 h212\"><div class=\"t m0 x1ed hb y659e ff1 fs7 fc3 sc0 ls7 ws7\">15<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa9a y673e w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa9b y673e w14e h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa9c y673e w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa9d y673e w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa9e y673e w14f h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa9f y673e w14f h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xaa0 y673e w591 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">43,593<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xaa1 y673e w591 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">43,593<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x40b y673f w55e h20f\"><div class=\"t m0 x1ed hb y65a2 ff4 fs7 fc3 sc0 ls7 ws7\">Of which \u2013 reverse repurchase agreements and<span class=\"_ _3eb\"> </span></div><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">other similar secured lending<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xaa2 y673f w145 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">16<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xaa3 y673f w14e h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xaa4 y673f w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xaa5 y673f w14e h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xaa6 y673f w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xaa7 y673f w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xaa8 y673f w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xaa9 y673f w592 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">2,946<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xaaa y673f w592 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">2,946<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y6740 w560 h241\"><div class=\"t m0 x1ed hba y65a9 ff1 fs7 fc3 sc0 ls7 ws0\">Loans and advances to customers</div><div class=\"t m0 xa32 hd1 y65aa ff1 fs61 fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa20 y6741 w590 h212\"><div class=\"t m0 x1ed hb y659e ff1 fs7 fc3 sc0 ls7 ws7\">15<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa9a y6741 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa9b y6741 w14e h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa9c y6741 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa9d y6741 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa9e y6741 w14f h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa9f y6741 w14f h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xaab y6741 w593 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">281,032<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xaac y6741 w593 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">281,032<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x40b y6742 w55e h20f\"><div class=\"t m0 x1ed hb y65a2 ff4 fs7 fc3 sc0 ls7 ws7\">Of which \u2013 reverse repurchase agreements and<span class=\"_ _3eb\"> </span></div><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">other similar secured lending<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n xaad y6742 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xaae y6742 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xaaf y6742 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xab0 y6742 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xab1 y6742 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xab2 y6742 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xab3 y6742 w594 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">9,660<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xab4 y6742 w595 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">9,660<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x221 hb y6743 ff4 fs7 fc3 sc0 ls7 ws7\">Investment securities<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x40b y6745 w54b h242\"><div class=\"t m0 x1ed hb y6744 ff4 fs7 fc3 sc0 ls7 ws7\">Debt securities, alternative tier one and other<span class=\"_ _3eb\"> </span></div><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">eligible bills<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n xa37 y6745 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa38 y6745 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa39 y6745 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa3a y6745 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xab5 y6745 w596 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">88,425<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xab6 y6745 w597 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">88,425<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xab7 y6745 w598 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">55,137<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xab8 y6745 w599 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">143,562<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x40b y6746 w550 h212\"><div class=\"t m0 x1ed hb y659e ff1 fs7 fc3 sc0 ls7 ws0\">Equity shares<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n xa3f y6746 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa40 y6746 w14e h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa41 y6746 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa42 y6746 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x45e y6746 w59a h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">994<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xab9 y6746 w59a h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">994<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa88 y6746 w14f h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xaba y6746 w59b h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">994<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td></td><td class=\"c n x9dc y6747 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9dd y6747 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9de y6747 w14e h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9df y6747 w14f h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xabb y6747 w2a9 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">89,419<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xabc y6747 w2a9 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">89,419<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xabd y6747 w598 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">55,137<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xabe y6747 w59c h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">144,556<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6748 w56b h212\"><div class=\"t m0 x1ed hb y659e ff1 fs7 fc3 sc0 ls7 ws0\">Other assets<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xabf y6748 w59d h212\"><div class=\"t m0 x1ed hb y659e ff1 fs7 fc3 sc0 ls7 ws7\">20<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td></td><td></td><td class=\"c n xac0 y6748 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xac1 y6748 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xac2 y6748 w59e h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">34,585<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xac3 y6748 w59e h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">34,585<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6749 w56e h212\"><div class=\"t m0 x1ed hb y659e ff1 fs7 fc3 sc0 ls7 ws0\">Assets held for sale<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xac4 y6749 w59f h212\"><div class=\"t m0 x1ed hb y659e ff1 fs7 fc3 sc0 ls7 ws7\">21<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xac5 y6749 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xac6 y6749 w14e h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xac7 y6749 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xac8 y6749 w5a0 h212\"><div class=\"t m0 x1ed hb y659e ff1 fs7 fc3 sc0 ls0 ws0\">5<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xac9 y6749 w14f h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xaca y6749 w5a0 h212\"><div class=\"t m0 x1ed hb y659e ff1 fs7 fc3 sc0 ls0 ws0\">5<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xacb y6749 w5a1 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">884<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xacc y6749 w5a2 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">889<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y674a w5a3 h20b\"><div class=\"t m0 x1ed hb y659e ff5 fs7 fc3 sc0 ls7 ws7\">Total at 31 December 2024<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n xacd y674a w5a4 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">169,981<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xace y674a w5a5 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">2,566<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xacf y674a w5a6 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">86,372<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xad0 y674a w5a7 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">75<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xad1 y674a w2a9 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">89,419<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xad2 y674a w5a8 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">348,413<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xad3 y674a w5a9 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">478,678<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xad4 y674a w5aa h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">827,091<span class=\"_ _3eb\"> </span></div></td></tr></table>1 <span class=\"_ _b\"> </span><span class=\"ff4\">Comprises cash held at central banks in restricted accounts of $11,630 million (31 <span class=\"_ _7\"></span>December 2024: $7,799 million), or on demand, or <span class=\"_ _7\"></span>placements which are </span>contractually due to mature over-night only. Other placements <span class=\"_ _7\"></span>with central banks are reported as part of <span class=\"_ _7\"></span>Loans and advances to customers.<span class=\"_ _3eb\"> </span>2 <span class=\"_ _f\"> </span><span class=\"ff4\">Further analysed in Risk review and Capital review (pages 218 to 308).<span class=\"_ _3eb\"> </span></span>3 <span class=\"_ _f\"> </span><span class=\"ff4\">Loans and advances to banks includes amounts due on demand from banks and <span class=\"_ _7\"></span>other central banks.<span class=\"_ _3eb\"> </span></span><table class=\"s w5ab h245\" id=\"_87ab3af1-7f66-4a57-bb11-bedba7bc1241\"><tr><td></td><td></td><td></td><td></td><td class=\"t m0 xad5 h38 y674b ff5 fs17 fc0 sc0 ls21 ws20\">Liabilities at fair value<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"t m0 x2d3 h38 y674c ff5 fs17 fc0 sc0 ls21 ws20\">Designated at fair </td><td class=\"t m0 xad6 h38 y674c ff5 fs17 fc0 sc0 ls21 ws20\">Total financial </td><td></td><td></td></tr><tr><td></td><td></td><td></td><td class=\"t m0 x2d8 h38 y674d ff5 fs17 fc0 sc0 ls21 ws20\">Derivatives held </td><td class=\"t m0 xad7 h38 y674d ff5 fs17 fc0 sc0 ls21 ws20\">value through </td><td class=\"t m0 xad8 h38 y674d ff5 fs17 fc0 sc0 ls21 ws20\">liabilities at fair </td><td class=\"t m0 xad9 h38 y674d ff5 fs17 fc0 sc0 ls21 ws20\">Amortised<span class=\"_ _3eb\"> </span></td><td></td></tr><tr><td></td><td></td><td class=\"t m0 xada h38 y674e ff5 fs17 fc0 sc0 ls21 ws20\">Trading<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xadb h38 y674e ff5 fs17 fc0 sc0 ls21 ws20\">for hedging<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xadc h38 y674e ff5 fs17 fc0 sc0 ls21 ws20\">profit or loss<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xadd h38 y674e ff5 fs17 fc0 sc0 ls21 ws20\">value<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xade h38 y674e ff2 fs17 fc0 sc0 ls21 ws20\">cost<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x96f h38 y674e ff5 fs17 fc0 sc0 ls21 ws20\">Total<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c n x1ee y674f w5ac h215\"><div class=\"t m0 x1ed h2c y65c7 ff4 fs17 fc3 sc0 ls21 ws20\">Liabilities<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xadf y674f w5ad h205\"><div class=\"t m0 x1ed h2c y65c7 ff1 fs17 fc3 sc0 ls21 ws20\">Notes<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x2f7 h38 y6750 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x2c9 h38 y6750 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x4be h38 y6750 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x2fa h38 y6750 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x233 h38 y6750 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x4c2 h38 y6750 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c x1ee y6752 w5ae h246\"><div class=\"t m0 x1ed h1a y6751 ff4 fs5 fc3 sc0 ls5 ws5\">Financial liabilities held at<span class=\"_ gs1a1\"> </span>fair<span class=\"_ _3eb\"> </span></div><div class=\"t m0 x1ed h3b y6600 ff1 fs5 fc3 sc0 ls5 ws0\">value through profit or loss<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x236 y6753 wf2 h1fe\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Deposits by banks<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n xae0 y6753 w2bc h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xae1 y6753 w2bc h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xae2 y6753 w4a1 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">2,328<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xae3 y6753 w4a1 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">2,328<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xae4 y6753 w1cf h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xae5 y6753 w4a1 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">2,328<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x236 y6754 wf5 h1fe\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Customer accounts<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n xae6 y6754 w2bc h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xae7 y6754 w2bc h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xae8 y6754 w5af h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">19,414<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xae9 y6754 w5b0 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">19,414<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xaea y6754 w1d4 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xaeb y6754 w5af h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">19,414<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x236 y6755 w5b1 h247\"><div class=\"t m0 x1ed h3b y65dd ff1 fs5 fc3 sc0 ls5 ws0\">Repurchase agreements and<span class=\"_ _3eb\"> </span></div><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">other similar secured<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x236 y6756 w5b2 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">borrowing<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xaec y6756 w473 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">16<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xaed y6756 w2bc h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xaee y6756 w2bc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xaef y6756 w5b3 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">36,307<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xaf0 y6756 w5b3 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">36,307<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xaf1 y6756 w1cf h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xaf2 y6756 w5b3 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">36,307<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x236 y6757 w101 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">Debt securities in issue<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xaf3 y6757 wac h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">22<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xaf4 y6757 w2bc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xaf5 y6757 w2bc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xaf6 y6757 w5b4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">16,009<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xaf7 y6757 w5b4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">16,009<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xaf8 y6757 w1cf h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xaf9 y6757 w5b4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">16,009<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x236 y6758 w5b5 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">Short positions<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n xafa y6758 w5b6 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">15,539<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xafb y6758 w2bc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xafc y6758 w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xafd y6758 w5b6 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">15,539<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xafe y6758 w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xaff y6758 w5b7 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">15,539<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td></td><td class=\"c n xb00 y6759 w5b6 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">15,539<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb01 y6759 w2bc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb02 y6759 w5b8 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">74,058<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb03 y6759 wfd h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">89,597<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb04 y6759 w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb05 y6759 wfd h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">89,597<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y675a wc5 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">Derivative financial instruments<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb06 y675a w5b9 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">14<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb07 y675a w5ba h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">67,046<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb08 y675a w5bb h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">1,158<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb09 y675a w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb0a y675a w254 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">68,204<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb0b y675a w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb0c y675a w254 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">68,204<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y675b wf2 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Deposits by banks<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n xb0d y675b w2bc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb0e y675b w2bc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb0f y675b w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb10 y675b w1cf h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb11 y675b w5bc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">30,846<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb12 y675b wf3 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">30,846<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y675c wf5 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Customer accounts<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n xb13 y675c w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb14 y675c w2bc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb15 y675c w1cf h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb16 y675c w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb17 y675c w5bd h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">530,161<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x274 y675c w5bd h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">530,161<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y675d w5be h219\"><div class=\"t m0 x1ed h3b y65db ff1 fs5 fc3 sc0 ls5 ws0\">Repurchase agreements and<span class=\"_ _3eb\"> </span></div><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">other similar secured borrowing<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb18 y675d w473 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">16<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb19 y675d w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb1a y675d w2bc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb1b y675d w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb1c y675d w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb1d y675d w5bf h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">7,757<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb1e y675d wfa h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">7,757<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y675e w101 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">Debt securities in issue<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb1f y675e wac h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">22<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb20 y675e w2bc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb21 y675e w2bc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb22 y675e w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb23 y675e w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb24 y675e w103 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">72,858<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb25 y675e w103 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">72,858<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y675f w105 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">Other liabilities<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb26 y675f w1e6 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">23<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb27 y675f w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb28 y675f w2bc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb29 y675f w1cf h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb2a y675f w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb2b y675f w5c0 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">45,788<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb2c y675f w5c0 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">45,788<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y6760 w5c1 h216\"><div class=\"t m0 x1ed h1a y65db ff4 fs5 fc3 sc0 ls5 ws5\">Subordinated liabilities and<span class=\"_ _3eb\"> </span></div><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">other borrowed funds<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb2d y6760 w5c2 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">27<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb2e y6760 w2bc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb2f y6760 w2bc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb30 y6760 w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb31 y6760 w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb32 y6760 w5c3 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">8,834<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb33 y6760 w110 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">8,834<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x235 h1a y6761 ff4 fs5 fc3 sc0 ls5 ws5\">Liabilities included in disposal </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y6762 w5c4 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">groups held for sale<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb34 y6762 w74 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">21<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb35 y6762 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb36 y6762 w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb37 y6762 w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb38 y6762 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb39 y6762 w5c5 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">908<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb3a y6762 w5c6 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">908<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6763 w5c7 h203\"><div class=\"t m0 x1ed h3d y655f ff5 fs5 fc3 sc0 ls5 ws5\">Total at 31 December 2025<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n xb3b y6763 w5c8 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">82,585<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb3c y6763 w5c9 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">1,158<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb3d y6763 w5ca h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">74,058<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb3e y6763 w2f9 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">157,801<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb3f y6763 w5cb h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">697,152<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb40 y6763 w5cc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">854,953<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y6764 w5ae h246\"><div class=\"t m0 x1ed h1a y6751 ff4 fs5 fc3 sc0 ls5 ws5\">Financial liabilities held at<span class=\"_ gs1a1\"> </span>fair<span class=\"_ _3eb\"> </span></div><div class=\"t m0 x1ed h3b y6600 ff1 fs5 fc3 sc0 ls5 ws0\">value through profit or loss<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x236 y6765 wf2 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Deposits by banks<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n xae0 y6765 w2bc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xae1 y6765 w2bc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb41 y6765 w5cd h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">1,893<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb42 y6765 w329 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">1,893<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb43 y6765 w1cf h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb44 y6765 w329 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">1,893<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x236 y6766 wf5 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Customer accounts<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n xae6 y6766 w2bc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xae7 y6766 w2bc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb45 y6766 w5ce h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">21,772<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb46 y6766 w5ce h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">21,772<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb47 y6766 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb48 y6766 w5ce h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">21,772<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x236 y6767 w5b1 h221\"><div class=\"t m0 x1ed h3b y65dd ff1 fs5 fc3 sc0 ls5 ws0\">Repurchase agreements and<span class=\"_ _3eb\"> </span></div><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">other similar secured<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x236 y6768 w5b2 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">borrowing<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb49 y6768 w2b4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">16<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb4a y6768 w5cf h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">925<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb4b y6768 w2bc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb4c y6768 w5d0 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">32,614<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb4d y6768 w5d1 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">33,539<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb4e y6768 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb4f y6768 w5d1 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">33,539<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x236 y6769 w101 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Debt securities in issue<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb50 y6769 w5d2 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">22<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb51 y6769 w41a h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb52 y6769 w2bc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb53 y6769 w5d3 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">13,730<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb54 y6769 w5d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">13,731<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb55 y6769 w1cf h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb56 y6769 w5d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">13,731<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x236 y676a w5b5 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Short positions<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n xb57 y676a w5d5 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">14,527<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb52 y676a w2bc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb58 y676a w1cf h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb59 y676a w5d6 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">14,527<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb5a y676a w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb5b y676a w5d7 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">14,527<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td></td><td class=\"c n xb5c y676b w26b h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">15,453<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb5d y676b w2bc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb5e y676b w2a3 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">70,009<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb5f y676b wfe h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">85,462<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb60 y676b w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb61 y676b wfe h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">85,462<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y676c wc5 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Derivative financial instruments<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb62 y676c w5d8 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">14<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb63 y676c w5d9 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">80,037<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb64 y676c w27e h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">2,027<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb65 y676c w1cf h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb66 y676c w100 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">82,064<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb67 y676c w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb68 y676c w100 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">82,064<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y676d wf2 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Deposits by banks<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n xb0d y676d w2bc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb0e y676d w2bc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb0f y676d w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb10 y676d w1cf h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb69 y676d wf4 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">25,400<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb6a y676d w5da h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">25,400<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y676e wf5 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Customer accounts<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n xb13 y676e w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb14 y676e w2bc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb15 y676e w1cf h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb16 y676e w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb6b y676e wf7 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">464,489<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb6c y676e wf7 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">464,489<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y676f w5be h221\"><div class=\"t m0 x1ed h3b y65dd ff1 fs5 fc3 sc0 ls5 ws0\">Repurchase agreements and<span class=\"_ _3eb\"> </span></div><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">other similar secured borrowing<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb6d y676f w2b4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">16<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb6e y676f w2bc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb6f y676f w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb70 y676f w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb71 y676f w1cf h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb72 y676f w5db h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">12,132<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb73 y676f w5db h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">12,132<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6770 w101 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Debt securities in issue<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb74 y6770 w5d2 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">22<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb75 y6770 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb76 y6770 w2bc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb77 y6770 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb78 y6770 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb79 y6770 w104 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">64,609<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb7a y6770 w104 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">64,609<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6771 w105 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Other liabilities<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb7b y6771 w1ec h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">23<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb7c y6771 w2bc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb7d y6771 w2bc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb7e y6771 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb7f y6771 w1cf h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb80 y6771 w5dc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">44,047<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb81 y6771 w5dc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">44,047<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y6772 w5c1 h217\"><div class=\"t m0 x1ed h1a y65dd ff4 fs5 fc3 sc0 ls5 ws5\">Subordinated liabilities and<span class=\"_ _3eb\"> </span></div><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">other borrowed funds<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb82 y6772 w3ab h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">27<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb83 y6772 w2bc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb84 y6772 w2bc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb85 y6772 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb86 y6772 w1cf h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb87 y6772 w5dd h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">10,382<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb88 y6772 w5dd h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">10,382<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x235 h1a y6773 ff4 fs5 fc3 sc0 ls5 ws5\">Liabilities included in disposal </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y6774 w5c4 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">groups held for sale<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb89 y6774 w1e8 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">21<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb8a y6774 w2bc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb8b y6774 w2bc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb8c y6774 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb8d y6774 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb8e y6774 w5de h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">360<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb8f y6774 w5de h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">360<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6775 w5df h203\"><div class=\"t m0 x1ed h1a y65de ff5 fs5 fc3 sc0 ls5 ws5\">Total at 31 December 2024<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n xb90 y6775 w5e0 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">95,490<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb91 y6775 w27e h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">2,027<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb92 y6775 w2a3 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">70,009<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb93 y6775 w5e1 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">167,526<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb94 y6775 w5e2 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">621,419<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb95 y6775 w5e3 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">788,945<span class=\"_ _3eb\"> </span></div></td></tr></table>Offsetting of financial <span class=\"_ _7\"></span>instruments<span class=\"_ _3eb\"> </span>Financial assets and liabilities are offset <span class=\"_ _7\"></span>and the net amount reported in the <span class=\"_ _7\"></span>balance sheet when there is a <span class=\"_ _7\"></span>legally enforceable right to offset the recognised amounts <span class=\"_ _7\"></span>and there is an intention to settle <span class=\"_ _7\"></span>on a net basis, or to <span class=\"_ _7\"></span>realise the asset and settle the liability simultaneously. In practice, for credit mitigation, the <span class=\"_ _7\"></span>Group is able to offset assets and <span class=\"_ _7\"></span>liabilities which do not meet the <span class=\"_ _7\"></span>IAS 32 netting criteria set out below. Such arrangements include master <span class=\"_ _7\"></span>netting arrangements for derivatives and global master <span class=\"_ _7\"></span>repurchase agreements for repurchase and reverse repurchase transactions. <span class=\"_ _7\"></span>These agreements generally allow that all outstanding <span class=\"_ _7\"></span>transactions with a<span class=\"_ gs36\"> </span>particular counterparty can be offset but <span class=\"_ _7\"></span>only in the event of default or <span class=\"_ _7\"></span>other predetermined events. In addition, the Group also receives <span class=\"_ _7\"></span>and pledges readily realisable collateral for derivative <span class=\"_ _7\"></span>transactions to cover net exposure in<span class=\"_ gs36\"> </span>the event of a default. Under <span class=\"_ _7\"></span>repurchase and reverse repurchase agreements the Group <span class=\"_ _7\"></span>pledges (legally sells) and obtains (legally purchases) respectively, highly liquid assets <span class=\"_ _7\"></span>which can be sold in the event <span class=\"_ _7\"></span>of a default. The following tables set out the <span class=\"_ _7\"></span>impact of netting on the balance sheet. <span class=\"_ _7\"></span>This comprises derivative transactions settled through an enforceable netting agreement where we <span class=\"_ _7\"></span>have the intent and ability to settle <span class=\"_ _7\"></span>net and which are offset on <span class=\"_ _7\"></span>the balance sheet.<span class=\"_ _3eb\"> </span><table class=\"s w5e4 h248\" id=\"_d2120341-3e0d-4ea0-a366-d4849f0460d8\"><tr><td></td><td></td><td></td><td class=\"t m0 x9cb h38 y6776 ff5 fs17 fc0 sc0 ls21 ws20\">Net amounts </td><td class=\"t m0 xb96 h38 y6776 ff5 fs17 fc0 sc0 ls21 ws20\">Related amount not offset </td><td></td><td></td></tr><tr><td></td><td class=\"t m0 x5f9 h38 y6777 ff5 fs17 fc0 sc0 ls21 ws20\">Gross amounts </td><td></td><td class=\"t m0 x602 h38 y6777 ff5 fs17 fc0 sc0 ls21 ws20\">of<span class=\"_ gs40f\"> </span>financial </td><td class=\"t m0 x5fb h38 y6777 ff5 fs17 fc0 sc0 ls21 ws20\" colspan=\"2\">in<span class=\"_ gs40f\"> </span>the<span class=\"_ gs40f\"> </span>balance sheet<span class=\"_ _3eb\"> </span></td><td></td></tr><tr><td></td><td class=\"t m0 xb97 h38 y6778 ff5 fs17 fc0 sc0 ls21 ws20\">of<span class=\"_ gs40f\"> </span>recognised </td><td class=\"t m0 xb98 h38 y6778 ff5 fs17 fc0 sc0 ls21 ws20\">Impact of<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x542 h38 y6778 ff5 fs17 fc0 sc0 ls21 ws20\">instruments </td><td></td><td></td><td></td></tr><tr><td></td><td class=\"t m0 xb99 h38 y6779 ff5 fs17 fc0 sc0 ls21 ws20\">financial </td><td class=\"t m0 x8b2 h38 y6779 ff5 fs17 fc0 sc0 ls21 ws20\">offset in the </td><td class=\"t m0 x9cd h38 y6779 ff5 fs17 fc0 sc0 ls21 ws20\">presented in the </td><td class=\"t m0 x7bc h38 y6779 ff5 fs17 fc0 sc0 ls21 ws20\">Financial </td><td class=\"t m0 xb9a h38 y6779 ff5 fs17 fc0 sc0 ls21 ws20\">Financial </td><td></td></tr><tr><td></td><td class=\"t m0 xb9b h38 y677a ff5 fs17 fc0 sc0 ls21 ws20\">instruments<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xb9c h38 y677a ff5 fs17 fc0 sc0 ls21 ws20\">balance sheet<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xb9d h38 y677a ff5 fs17 fc0 sc0 ls21 ws20\">balance sheet<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xb9e h38 y677a ff5 fs17 fc0 sc0 ls21 ws20\">collateral<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xb96 h38 y677a ff5 fs17 fc0 sc0 ls21 ws20\">instruments<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xb9f h38 y677a ff5 fs17 fc0 sc0 ls21 ws20\">Net amount<span class=\"_ _3eb\"> </span></td></tr><tr><td></td><td class=\"t m0 x8f9 h38 y677b ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x8bc h38 y677b ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x404 h38 y677b ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1eb h38 y677b ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x405 h38 y677b ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1ec h38 y677b ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"t m0 x221 h8 y677c ff5 fs5 fc3 sc0 ls5 ws5\">At 31 December 2025<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y677d wc5 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">Derivative financial instruments<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xba0 y677d w5e5 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">78,518<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xba1 y677d w5e6 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(12,736)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xba2 y677d w5e7 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">65,782<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xba3 y677d w5e8 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(14,168)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xba4 y677d w5e9 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(44,712)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xba5 y677d w2e1 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">6,902<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y677e w5ea h219\"><div class=\"t m0 x1ed h3b y65db ff1 fs5 fc3 sc0 ls5 ws0\">Reverse repurchase agreements and other<span class=\"_ _3eb\"> </span></div><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">similar secured lending<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xba6 y677e w5eb h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">160,964<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xba7 y677e w5ec h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(64,868)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xba8 y677e w5ed h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">96,096<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xba9 y677e w5ee h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(96,096)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbaa y677e w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbab y677e w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y677f w5ef h203\"><div class=\"t m0 x1ed h3d y655f ff5 fs5 fc3 sc0 ls5 ws5\">Total Assets<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbac y677f w5f0 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">239,482<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbad y677f w5f1 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(77,604)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbae y677f w2fb h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">161,878<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbaf y677f w5f2 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(110,264)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbb0 y677f w5e9 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(44,712)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbb1 y677f w5f3 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">6,902<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6780 wc5 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">Derivative financial instruments<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbb2 y6780 w5f4 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">80,923<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbb3 y6780 w5f5 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(12,719)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbb4 y6780 w286 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">68,204<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbb5 y6780 w5f6 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(12,868)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbb6 y6780 w5f7 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(44,712)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbb7 y6780 w3ba h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">10,624<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x221 h1a y6781 ff4 fs5 fc3 sc0 ls5 ws5\">Repurchase agreements and other similar </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y6782 w5f8 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">secured borrowing<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbb8 y6782 w5f9 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">108,932<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbb9 y6782 w5ec h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(64,868)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbba y6782 w5fa h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">44,064<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbbb y6782 w5fb h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(44,064)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbbc y6782 w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbbd y6782 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6783 w5fc h203\"><div class=\"t m0 x1ed h3d y655f ff5 fs5 fc3 sc0 ls5 ws5\">Total Liabilities<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbbe y6783 w5fd h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">189,855<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbbf y6783 w5fe h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(77,587)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbc0 y6783 w4e4 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">112,268<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbc1 y6783 w5ff h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(56,932)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbc2 y6783 w5e9 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(44,712)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbc3 y6783 w3ba h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">10,624<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x221 h8 y6784 ff5 fs5 fc3 sc0 ls5 ws5\">At 31 December 2024<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y6785 wc5 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Derivative financial instruments<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbc4 y6785 w32f h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">97,902<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbc5 y6785 w600 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(16,430)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbc6 y6785 w601 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">81,472<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbc7 y6785 w602 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(15,005)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbc8 y6785 w603 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(60,280)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbc9 y6785 w604 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">6,187<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y65f5 w5ea h221\"><div class=\"t m0 x1ed h3b y65dd ff1 fs5 fc3 sc0 ls5 ws0\">Reverse repurchase agreements and other<span class=\"_ _3eb\"> </span></div><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">similar secured lending<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbca y65f5 w605 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">137,115<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbcb y65f5 w606 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(38,314)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbcc y65f5 w607 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">98,801<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbcd y65f5 w608 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(98,801)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbce y65f5 w1cf h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbcf y65f5 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y65f6 w5ef h203\"><div class=\"t m0 x1ed h1a y65de ff5 fs5 fc3 sc0 ls5 ws5\">Total Assets<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbd0 y65f6 w609 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">235,017<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbd1 y65f6 w60a h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(54,744)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbd2 y65f6 w60b h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">180,273<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbd3 y65f6 w60c h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(113,806)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbd4 y65f6 w60d h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(60,280)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbd5 y65f6 w60e h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">6,187<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y65f7 wc5 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Derivative financial instruments<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbd6 y65f7 w60f h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">98,494<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbd7 y65f7 w600 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(16,430)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbd8 y65f7 w610 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">82,064<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbd9 y65f7 w611 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(11,046)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbda y65f7 w603 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(60,280)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbdb y65f7 w612 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">10,738<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x221 h1a y6786 ff4 fs5 fc3 sc0 ls5 ws5\">Repurchase agreements and other similar </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y6566 w5f8 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">secured borrowing<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbdc y6566 w613 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">83,985<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbdd y6566 w606 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(38,314)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbde y6566 w614 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">45,671<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbdf y6566 w615 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(45,671)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8d8 y6566 w1cf h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbe0 y6566 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6567 w5fc h203\"><div class=\"t m0 x1ed h1a y65de ff5 fs5 fc3 sc0 ls5 ws5\">Total Liabilities<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbe1 y6567 w616 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">182,479<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbe2 y6567 w617 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(54,744)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbe3 y6567 w618 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">127,735<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbe4 y6567 w619 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(56,717)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbe5 y6567 w603 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(60,280)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbe6 y6567 w612 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">10,738<span class=\"_ _3eb\"> </span></div></td></tr></table>Related amounts not <span class=\"_ _7\"></span>offset in <span class=\"_ _7\"></span>the balance sheet <span class=\"_ _7\"></span>comprises: <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">Financial instruments not offset in the balance sheet but covered by an <span class=\"_ _7\"></span>enforceable netting arrangement. This comprises </span>master netting arrangements held against derivative <span class=\"_ _7\"></span>financial instruments and excludes the effect of <span class=\"_ _7\"></span>over-collateralisation <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">Financial instruments where a legal opinion evidencing enforceability of the right of <span class=\"_ _7\"></span>offset may not have been sought, <span class=\"_ _7\"></span>or may </span>have been unable to such opinion <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">Financial collateral comprises cash collateral pledged and received for derivative financial instruments <span class=\"_ _7\"></span>and collateral bought </span>and sold for reverse repurchase and <span class=\"_ _7\"></span>repurchase agreements respectively and excludes the effect <span class=\"_ _7\"></span>of over-collateralisation<span class=\"_ _3eb\"> </span>Financial liabilities designated <span class=\"_ _7\"></span>at fair <span class=\"_ _7\"></span>value through profit <span class=\"_ _7\"></span>or loss<span class=\"_ _3eb\"> </span><table class=\"s w61a h249\" id=\"_8335e921-f362-4a1f-a125-12897b1a57c7\"><tr><td></td><td class=\"t m0 x230 h38 y6787 ff5 fs17 fc0 sc0 ls21 ws20\">2025<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x231 h39 y6787 ff1 fs17 fc3 sc0 ls21 ws20\">2024<span class=\"_ _3eb\"> </span></td></tr><tr><td></td><td class=\"t m0 x233 h38 y6788 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x234 h2c y6788 ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c n x1ee y6610 w61b h1fe\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Carrying Balance aggregate fair value<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbe7 y6610 w5b8 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">74,058<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbe8 y6610 w61c h1ff\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">70,009<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6577 w61d h1fe\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Amount Contractually obliged to repay at maturity<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb94 y6577 w61e h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">73,843<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbe9 y6577 w61f h1ff\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">70,166<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6566 w620 h1fe\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Difference between aggregate fair value and contractually obliged to repay at maturity<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbea y6566 we8 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">215<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbeb y6566 w621 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(157)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6567 w622 h1fe\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Cumulative change in Fair Value accredited to Credit Risk Difference<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbec y6567 w35a h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(433)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9b8 y6567 w623 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(276)<span class=\"_ _3eb\"> </span></div></td></tr></table>The net fair value loss on <span class=\"_ _7\"></span>financial liabilities designated at fair value through <span class=\"_ _7\"></span>profit or loss was $3,476 million <span class=\"_ _7\"></span>for the year (31 December 2024: net loss of <span class=\"_ _7\"></span>$3,252 million).<span class=\"_ _3eb\"> </span>Further details of the Group\u2019s own <span class=\"_ _7\"></span>credit adjustment (OCA) valuation technique is described <span class=\"_ _7\"></span>later in this Note. Valuation of financial <span class=\"_ _7\"></span>instruments<span class=\"_ _3eb\"> </span>The Valuation Methodology function is responsible <span class=\"_ _7\"></span>for independent price verification, oversight of fair <span class=\"_ _7\"></span>value and appropriate value adjustments and escalation of valuation <span class=\"_ _7\"></span>issues. Independent price verification is the process <span class=\"_ _7\"></span>of determining that the valuations incorporated into the financial statements <span class=\"_ _7\"></span>are validated independent of the business area <span class=\"_ _7\"></span>responsible for the product. The Valuation Methodology function has <span class=\"_ _7\"></span>oversight of the fair value adjustments to <span class=\"_ _7\"></span>ensure the financial instruments are priced to exit. These are <span class=\"_ _7\"></span>key controls in ensuring the material accuracy <span class=\"_ _7\"></span>of the valuations incorporated in the <span class=\"_ _7\"></span>financial statements. The market data used for <span class=\"_ _7\"></span>price verification (PV) may include data sourced <span class=\"_ _7\"></span>from recent trade data involving external counterparties or third parties such <span class=\"_ _7\"></span>as Bloomberg, Reuters, brokers and consensus pricing <span class=\"_ _7\"></span>providers. The Valuation Methodology function performs an ongoing review of the market data sources that are used as part of the PV and fair value processes which are formally documented on <span class=\"_ _7\"></span>a semi-annual basis detailing the suitability of <span class=\"_ _7\"></span>the market data used for price testing. Price verification uses independently sourced <span class=\"_ _7\"></span>data that is deemed most representative of <span class=\"_ _7\"></span>the market the instruments trade in. To determine the quality <span class=\"_ _7\"></span>of the market data inputs, factors such <span class=\"_ _7\"></span>as independence, relevance, reliability, availability of<span class=\"_ gs36\"> </span>multiple data sources and methodology employed <span class=\"_ _7\"></span>by the pricing provider are taken into <span class=\"_ _7\"></span>consideration. The Valuation and Benchmarks Committee (VBC) <span class=\"_ _7\"></span>is the valuation governance forum consisting of <span class=\"_ _7\"></span>representatives from Traded Risk Management, Product Control, Valuation Methodology and the business, which meets monthly to discuss and approve the independent valuations of the inventory. For <span class=\"_ _7\"></span>Strategic Investments and Principal Finance, the respective <span class=\"_ _7\"></span>Valuation Forums and Investment Committee meetings are held on <span class=\"_ _7\"></span>a quarterly basis to review investments and <span class=\"_ _7\"></span>valuations.<span class=\"_ _3eb\"> </span>The Group evaluates the significance of <span class=\"_ _7\"></span>financial instruments and material accuracy of the <span class=\"_ _7\"></span>valuations incorporated in the financial statements as they involve a <span class=\"_ _7\"></span>high degree of judgement and estimation uncertainty <span class=\"_ _7\"></span>in determining the carrying values of financial assets and liabilities <span class=\"_ _7\"></span>at the balance sheet date.<span class=\"_ _3eb\"> </span>Significant accounting estimates<span class=\"_ _3eb\"> </span>The significant accounting estimates include: <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">Fair value of financial instruments is determined using valuation techniques and estimates <span class=\"_ _7\"></span>which, to the extent possible, </span>use market observable inputs, but in <span class=\"_ _7\"></span>some cases use non-market observable inputs. Changes <span class=\"_ _7\"></span>in the observability of<span class=\"_ gs36\"> </span>significant valuation inputs can materially affect <span class=\"_ _7\"></span>the fair values of financial instruments <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">When establishing the exit price of a financial instrument using a valuation <span class=\"_ _7\"></span>technique, the Group estimates valuation </span>adjustments in determining the fair value.<span class=\"_ _3eb\"> </span>Significant accounting judgements<span class=\"_ _3eb\"> </span>The significant accounting judgements include: <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">In determining the valuation of financial instruments, the Group makes judgements on <span class=\"_ _7\"></span>the amounts reserved to cater for </span>model and valuation risks, which cover <span class=\"_ _7\"></span>both Level 2 and Level 3 assets, <span class=\"_ _7\"></span>and the significant valuation judgements in <span class=\"_ _7\"></span>respect of Level 3 instruments  <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ls2\">Where the estimated measurement of fair value is more judgemental in respect of Level 3 assets, these are valued based<span class=\"_ _11\"></span> </span>on models that use a significant <span class=\"_ _7\"></span>degree of non-market-based unobservable inputs.<span class=\"_ _3eb\"> </span>Valuation techniques<span class=\"_ _3eb\"> </span>Refer to the fair value hierarchy <span class=\"_ _7\"></span>explanation \u2013 Level 1, 2 and 3 <span class=\"_ _7\"></span>(page 364) <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff7 ls2 ws1\">Financial instruments held at fair value</span> <span class=\"_ _1e\"></span><span class=\"ff4\">\u2013<span class=\"_ _a\"> </span><span class=\"ff7 ls2 ws1\">Debt securities \u2013 asset-backed securities:<span class=\"ff4\"> Asset-backed securities are valued based on <span class=\"_ _7\"></span>external prices obtained from </span></span></span>consensus pricing providers, broker quotes, recent <span class=\"_ _7\"></span>trades, arrangers\u2019 quotes, etc. Where an observable <span class=\"_ _7\"></span>price is available for a given security, it is <span class=\"_ _7\"></span>classified as Level 2. In instances where <span class=\"_ _7\"></span>third-party prices are not available or <span class=\"_ _7\"></span>reliable, the security is classified as Level 3. The <span class=\"_ _7\"></span>fair value of Level 3 securities is <span class=\"_ _7\"></span>estimated using market standard cash flow <span class=\"_ _7\"></span>models with input parameter assumptions which include prepayment speeds, default rates, discount margins derived from comparable securities with similar vintage, collateral type, <span class=\"_ _7\"></span>and credit ratings. <span class=\"_ _1e\"></span><span class=\"ff4\">\u2013<span class=\"_ _a\"> </span><span class=\"ff7 ls2 ws1\">Debt securities in issue:<span class=\"ff4\"> These debt securities relate to structured notes <span class=\"_ _7\"></span>issued by the Group. Where independent <span class=\"_ _7\"></span>market </span></span></span>data is available through pricing vendors <span class=\"_ _7\"></span>and broker sources these positions are classified <span class=\"_ _7\"></span>as Level 2. Where such liquid external prices are not available, valuations <span class=\"_ _7\"></span>of these debt securities are implied using <span class=\"_ _7\"></span>input parameters such as bond spreads and credit spreads and are <span class=\"_ _7\"></span>classified as Level 3. These input parameters <span class=\"_ _7\"></span>are determined with reference to the same issuer (if available) or proxies <span class=\"_ _7\"></span>from comparable issuers or assets. <span class=\"_ _1e\"></span><span class=\"ff4\">\u2013<span class=\"_ _a\"> </span><span class=\"ff7 ls2 ws1\">Derivatives:<span class=\"ff4\"> Derivative products are classified as Level 2 if the valuation <span class=\"_ _7\"></span>of the product is based upon <span class=\"_ _7\"></span>input parameters </span></span></span>which are observable from independent and <span class=\"_ _7\"></span>reliable market data sources. Derivative products are <span class=\"_ _7\"></span>classified as Level 3 if<span class=\"_ gs36\"> </span>there are significant valuation input parameters <span class=\"_ _7\"></span>which are unobservable in the market, such <span class=\"_ _7\"></span>as products where the performance is linked to more than <span class=\"_ _7\"></span>one underlying variable. Examples are commodity crack <span class=\"_ _7\"></span>swaption, equity options based on the performance of two <span class=\"_ _7\"></span>or more underlying indices and interest rate <span class=\"_ _7\"></span>products with quanto payouts. In most cases these unobservable correlation parameters cannot <span class=\"_ _7\"></span>be implied from the market, and methods <span class=\"_ _7\"></span>such as historical analysis and comparison with historical levels <span class=\"_ _7\"></span>or other benchmark data must be employed. <span class=\"_ _1e\"></span><span class=\"ff4\">\u2013<span class=\"_ _a\"> </span><span class=\"ff7 ls2 ws1\">Equity shares \u2013 unlisted equity investments:<span class=\"ff1 ws0\"> Valuation of unlisted equity instruments is determined using commonly </span></span></span>accepted valuation techniques considered most appropriate to the investment, which may include the market approach, income approach or asset-based approach, depending <span class=\"_ _7\"></span>on the underlying fact patterns and circumstances. <span class=\"_ _7\"></span>All unlisted equity instruments are classified as Level <span class=\"_ _7\"></span>3, except for those where observable inputs <span class=\"_ _7\"></span>are available (e.g. over-the-counter prices), as the valuation techniques applied <span class=\"_ _7\"></span>generally involve unobservable inputs that requirement significant <span class=\"_ _7\"></span>judgment, which include valuation multiples, discount rates, <span class=\"_ _7\"></span>forecasted cash flows, etc. <span class=\"_ _1e\"></span><span class=\"ff4\">\u2013<span class=\"_ _a\"> </span><span class=\"ff7 ls2 ws1\">Loans and advances:<span class=\"ff4\"> These primarily include loans in the FM Bond <span class=\"_ _7\"></span>and Loan Syndication business which were <span class=\"_ _7\"></span>not </span></span></span>fully<span class=\"_ gs36\"> </span>syndicated as at the balance sheet <span class=\"_ _7\"></span>date and other financing transactions within Financial <span class=\"_ _7\"></span>Markets, and loans and advances including reverse repurchase agreements that <span class=\"_ _7\"></span>do not have SPPI cashflows or are <span class=\"_ _7\"></span>managed on a fair value basis. Where available, its loan valuation is <span class=\"_ _7\"></span>based on observable clean sales transactions prices <span class=\"_ _7\"></span>or market observable spreads. If<span class=\"_ gs36\"> </span>observable credit spreads are not available, <span class=\"_ _7\"></span>proxy spreads based on comparables with similar <span class=\"_ _7\"></span>credit grade, sector and region, are used. Where observable transaction <span class=\"_ _7\"></span>prices, credit spreads and market standard proxy <span class=\"_ _7\"></span>methods are available, these loans are classified as Level <span class=\"_ _7\"></span>2. Where there are no recent transactions <span class=\"_ _7\"></span>or comparables, these loans are classified as<span class=\"_ gs36\"> </span>Level 3. <span class=\"_ _1e\"></span><span class=\"ff4\">\u2013<span class=\"_ _a\"> </span><span class=\"ff7 ls2 ws1\">Other debt securities:<span class=\"ff4\"> These debt securities include convertible bonds, corporate bonds, <span class=\"_ _7\"></span>credit and structured notes. </span></span></span>Where quoted prices are available through <span class=\"_ _7\"></span>pricing vendors, brokers or observable trading activities <span class=\"_ _7\"></span>from liquid markets, these are classified as Level 2 <span class=\"_ _7\"></span>and valued using such quotes. Where there <span class=\"_ _7\"></span>are significant valuation inputs which are unobservable in the market, due to <span class=\"_ _7\"></span>illiquid trading or the complexity of the <span class=\"_ _7\"></span>product, these are classified as Level <span class=\"_ _7\"></span>3. The<span class=\"_ gs36\"> </span>valuations of these debt securities are <span class=\"_ _7\"></span>implied using input parameters such as bond <span class=\"_ _7\"></span>spreads and credit spreads. These input parameters are determined with <span class=\"_ _7\"></span>reference to the same issuer (if available) <span class=\"_ _7\"></span>or proxied from comparable issuers or assets. <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff7 ls2 ws1\">Financial instruments held at amortised cost<span class=\"_ _3eb\"> </span></span>The following sets out the Group\u2019s <span class=\"_ _7\"></span>basis for establishing fair values of amortised <span class=\"_ _7\"></span>cost financial instruments and their classification between Levels 1, 2 and <span class=\"_ _7\"></span>3. As certain categories of financial instruments <span class=\"_ _7\"></span>are not actively traded, there is<span class=\"_ gs36\"> </span>a<span class=\"_ gs36\"> </span>significant level of management judgement involved <span class=\"_ _7\"></span>in calculating the fair values: <span class=\"_ _1e\"></span><span class=\"ff4\">\u2013<span class=\"_ _a\"> </span><span class=\"ff7 ls2 ws1\">Cash and balances at central banks:<span class=\"ff1 ws0\"> The fair value of cash and balances at central banks is their carrying amounts</span></span></span> <span class=\"_ _1e\"></span><span class=\"ff4\">\u2013<span class=\"_ _a\"> </span><span class=\"ff7 ls2 ws1\">Debt securities in issue, subordinated liabilities and other borrowed funds:<span class=\"ff1 ws0\"> The aggregate fair values are calculated </span></span></span>based on quoted market prices. For <span class=\"_ _7\"></span>those notes where quoted market prices are <span class=\"_ _7\"></span>not available, a discounted cash flow model is used based on a <span class=\"_ _7\"></span>current market related yield curve appropriate for <span class=\"_ _7\"></span>the remaining term to maturity <span class=\"_ _1e\"></span><span class=\"ff4\">\u2013<span class=\"_ _a\"> </span><span class=\"ff7 ls2 ws1\">Deposits and borrowings:<span class=\"ff1 ws0\"> The estimated fair value of deposits with no stated maturity is the amount repayable on </span></span></span>demand. The estimated fair value of <span class=\"_ _7\"></span>fixed interest-bearing deposits and other borrowings without <span class=\"_ _7\"></span>quoted market prices is based on discounted <span class=\"_ _7\"></span>cash flows using <span class=\"_ _1b\"></span>the prevailing market rates for <span class=\"_ _7\"></span>debts with a <span class=\"_ _7\"></span>similar Credit <span class=\"_ _7\"></span>Risk and remaining <span class=\"_ _7\"></span>maturity<span class=\"_ _3eb\"> </span>\u2013<span class=\"_ _a\"> </span><span class=\"ff7 ls2 ws1\">Investment securities:<span class=\"ff4\"> For investment securities that do not have directly observable <span class=\"_ _7\"></span>market values, the Group utilises </span></span>a<span class=\"_ gs36\"> </span>number of valuation techniques to determine <span class=\"_ _7\"></span>fair value. Where available, securities are valued <span class=\"_ _7\"></span>using input proxies from the same or closely related underlying <span class=\"_ _7\"></span>(for example, bond spreads from the same <span class=\"_ _7\"></span>or closely related issuer) or input <span class=\"_ _7\"></span>proxies from a different underlying (for example, <span class=\"_ _7\"></span>a similar bond but using spreads for <span class=\"_ _7\"></span>a particular sector and rating). Certain instruments cannot be proxies as set <span class=\"_ _7\"></span>out above, and in such cases the <span class=\"_ _7\"></span>positions are valued using non-market observable inputs. This includes those instruments held <span class=\"_ _7\"></span>at amortised cost and predominantly relates to <span class=\"_ _7\"></span>asset-backed securities. The<span class=\"_ gs36\"> </span>fair value for such instruments is <span class=\"_ _7\"></span>usually proxies from internal assessments of the <span class=\"_ _7\"></span>underlying cash flows <span class=\"_ _1e\"></span><span class=\"ff4\">\u2013<span class=\"_ _a\"> </span><span class=\"ff7 ls2 ws1\">Loans and advances to banks and customers:<span class=\"ff1 ws0\"> For loans and advances to banks, the fair value of floating rate placements </span></span></span>and overnight deposits is their carrying <span class=\"_ _7\"></span>amounts. The estimated fair value of fixed <span class=\"_ _7\"></span>interest-bearing deposits is based on discounted cash flows using the prevailing <span class=\"_ _7\"></span>money market rates for debts with a <span class=\"_ _7\"></span>similar Credit Risk and remaining maturity. The Group\u2019s loans and advances to <span class=\"_ _7\"></span>customers portfolio is well diversified by geography <span class=\"_ _7\"></span>and industry. Approximately a<span class=\"_ gs36\"> </span>quarter of the portfolio re-prices within <span class=\"_ _7\"></span>one month, and approximately half re-prices within <span class=\"_ _7\"></span>12 months. Loans and advances are presented <span class=\"_ _7\"></span>net of provisions for <span class=\"_ _1b\"></span>impairment. The fair value of loans <span class=\"_ _7\"></span>and advances to <span class=\"_ _7\"></span>customers with a residual maturity of less than one year <span class=\"_ _7\"></span>generally approximates the carrying value. The estimated <span class=\"_ _7\"></span>fair value of loans and advances with a residual maturity of more than one year represents the discounted amount of future cash flows expected to be received, including assumptions relating to prepayment <span class=\"_ _7\"></span>rates and Credit Risk. Expected cash flows <span class=\"_ _7\"></span>are discounted at current market rates to determine fair <span class=\"_ _7\"></span>value. The Group has a wide range <span class=\"_ _7\"></span>of individual instruments within its loans <span class=\"_ _7\"></span>and advances portfolio and as a result <span class=\"_ _7\"></span>providing quantification of the key assumptions used <span class=\"_ _7\"></span>to value such instruments is<span class=\"_ gs36\"> </span>impractical <span class=\"_ _1e\"></span><span class=\"ff4\">\u2013<span class=\"_ _a\"> </span><span class=\"ff7 ls2 ws1\">Other assets:<span class=\"ff4\"> Other assets comprise primarily cash collateral and trades pending <span class=\"_ _7\"></span>settlement. The carrying amount </span></span></span>of<span class=\"_ gs36\"> </span>these financial instruments is considered to <span class=\"_ _7\"></span>be a reasonable approximation of fair value <span class=\"_ _7\"></span>as they are either short-term in<span class=\"_ gs36\"> </span>nature or re-price to current market <span class=\"_ _7\"></span>rates frequently.<span class=\"_ _3eb\"> </span>Fair value adjustments<span class=\"_ _3eb\"> </span>When establishing the exit price of <span class=\"_ _7\"></span>a financial instrument using a valuation technique, <span class=\"_ _7\"></span>the Group considers adjustments to the modelled price which market participants would <span class=\"_ _7\"></span>make when pricing that instrument. The main <span class=\"_ _7\"></span>valuation adjustments (described further below) in determining fair <span class=\"_ _7\"></span>value for financial assets and financial liabilities <span class=\"_ _7\"></span>are as follows:<span class=\"_ _3eb\"> </span><table class=\"s w624 h24a\" id=\"_3ff48fea-e5e8-4c56-aff8-6a5cf9b3b4f6\"><tr><td></td><td></td><td class=\"t m0 xbed h38 y6789 ff5 fs17 fc0 sc0 ls21 ws20\">Movement </td><td></td><td></td><td class=\"t m0 xbee h39 y6789 ff1 fs17 fc3 sc0 ls21 ws20\">Movement </td><td></td></tr><tr><td></td><td class=\"t m0 x2f7 h38 y678a ff5 fs17 fc0 sc0 ls21 ws20\">01.01.25<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x2d1 h38 y678a ff5 fs17 fc0 sc0 ls21 ws20\">during<span class=\"_ gs40f\"> </span>the year<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x2f8 h38 y678a ff5 fs17 fc0 sc0 ls21 ws20\">31.12.25<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x2fa h2c y678a ff4 fs17 fc3 sc0 ls21 ws20\">01.01.24<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xbef h2c y678a ff4 fs17 fc3 sc0 ls21 ws20\">during<span class=\"_ gs490\"> </span>the year<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xbf0 h2c y678a ff4 fs17 fc3 sc0 ls21 ws20\">31.12.24<span class=\"_ _3eb\"> </span></td></tr><tr><td></td><td class=\"t m0 x2f7 h38 y678b ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x2c9 h38 y678b ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x4be h38 y678b ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x2fa h2c y678b ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x233 h2c y678b ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x234 h2c y678b ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c n x1ee y655c w625 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Bid-offer valuation adjustment<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbf1 y655c w626 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">117<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbf2 y655c w4b0 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">6<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbf3 y655c w627 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">123<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbf4 y655c w4e0 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">115<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbf5 y655c w4da h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbf6 y655c w628 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">117<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y655d w629 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Credit valuation adjustment<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbf7 y655d w62a h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">134<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbf8 y655d w62b h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(20)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbf9 y655d w62c h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">114<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbfa y655d w62d h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">119<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbfb y655d w62e h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">15<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbfc y655d w62f h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">134<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6573 w630 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Debit valuation adjustment<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbfd y6573 w631 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(105)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbfe y6573 w632 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">30<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbff y6573 w484 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(75)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc00 y6573 w633 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(129)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc01 y6573 w4cd h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">24<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc02 y6573 w2aa h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(105)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6574 w634 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Model valuation adjustment<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc03 y6574 w635 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">5<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc04 y6574 w265 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(2)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc05 y6574 w45d h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">3<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc06 y6574 w3c h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls0 ws0\">4<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc07 y6574 w41a h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc08 y6574 w40 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls0 ws0\">5<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6560 w636 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Funding valuation adjustment<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc09 y6560 w4bf h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">41<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc0a y6560 w269 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(9)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc0b y6560 w1e6 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">32<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc0c y6560 w637 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">33<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc0d y6560 w638 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">8<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc0e y6560 w485 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">41<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6575 w639 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Other fair value adjustments<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc0f y6575 w66 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">26<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc10 y6575 wac h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">22<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x92c y6575 w1f6 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">48<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc11 y6575 w92 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">25<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc12 y6575 w41a h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc13 y6575 w73 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">26<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y658d w49a h203\"><div class=\"t m0 x1ed h3d y655f ff5 fs5 fc3 sc0 ls5 ws5\">Total<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc14 y658d w63a h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">218<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc15 y658d w63b h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">27<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc16 y658d w63c h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">245<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc17 y658d w63d h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">167<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc18 y658d w4be h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">51<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc19 y658d w3ef h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">218<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x235 h3b y678c ff1 fs5 fc3 sc0 ls5 ws0\">Income deferrals<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y6566 w63e h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Day 1 and other deferrals<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc1a y6566 w63f h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">138<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc1b y6566 w4b0 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">9<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc1c y6566 w1a3 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">147<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc1d y6566 w1e9 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">109<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc1e y6566 w73 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">29<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc1f y6566 w288 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">138<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6567 w49a h203\"><div class=\"t m0 x1ed h3d y655f ff5 fs5 fc3 sc0 ls5 ws5\">Total<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc14 y6567 w63f h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">138<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc20 y6567 w4b0 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">9<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc21 y6567 w1a3 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">147<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc22 y6567 w1e9 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">109<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc23 y6567 w73 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">29<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc24 y6567 w288 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">138<span class=\"_ _3eb\"> </span></div></td></tr></table>Note: Bracket represents an asset and credit to <span class=\"_ _7\"></span>the income statement. <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff7 ls2 ws1\">Bid-offer valuation adjustment:</span><span class=\"ls2\"> Generally, market parameters are marked on a mid-market basis in the revaluation systems, </span>and a bid-offer valuation adjustment is <span class=\"_ _7\"></span>required to quantify the expected cost of <span class=\"_ _7\"></span>neutralising the business\u2019 positions through dealing away in the market, thereby <span class=\"_ _7\"></span>bringing long positions to bid and short <span class=\"_ _7\"></span>positions to offer. The methodology to <span class=\"_ _7\"></span>calculate the bid-offer adjustment for a derivative <span class=\"_ _7\"></span>portfolio involves netting between long and short <span class=\"_ _7\"></span>positions and the grouping of risk<span class=\"_ gs36\"> </span>by strike and tenor based on <span class=\"_ _7\"></span>the hedging strategy where long positions are <span class=\"_ _7\"></span>marked to bid and short positions <span class=\"_ _7\"></span>marked to<span class=\"_ gs36\"> </span>offer in the systems. <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff7 ls2 ws1\">Credit valuation adjustment (CVA):<span class=\"ff4\"> The Group accounts for CVA against the fair <span class=\"_ _7\"></span>value of derivative products. CVA is <span class=\"_ _7\"></span>an </span></span>adjustment to the fair value of <span class=\"_ _7\"></span>the transactions to reflect the possibility that <span class=\"_ _7\"></span>our counterparties may default and we <span class=\"_ _7\"></span>may not<span class=\"_ gs36\"> </span>receive the full market value of <span class=\"_ _7\"></span>the outstanding transactions. It represents an estimate <span class=\"_ _7\"></span>of the adjustment a market participant would include when deriving a <span class=\"_ _7\"></span>purchase price to acquire our exposures. CVA <span class=\"_ _7\"></span>is calculated for each subsidiary, and within each entity for each <span class=\"_ _7\"></span>counterparty to which the entity has exposure <span class=\"_ _7\"></span>and takes account of any collateral <span class=\"_ _7\"></span>we may hold. The Group calculates the CVA <span class=\"_ _7\"></span>by using estimates of future positive exposure, <span class=\"_ _7\"></span>market-implied probability of default (PD) and recovery rates. Where market-implied data <span class=\"_ _7\"></span>is not readily available, we use market-based <span class=\"_ _7\"></span>proxies to estimate the PD. Wrong-way risk occurs when the exposure to a counterparty is adversely correlated with the credit quality of that counterparty, and the Group has implemented a <span class=\"_ _7\"></span>model to capture this impact for key <span class=\"_ _7\"></span>wrong-way exposures. The Group also captures <span class=\"_ _7\"></span>the uncertainties associated with wrong-way risk in <span class=\"_ _7\"></span>the Group\u2019s Prudential Valuation Adjustments framework.<span class=\"_ _3eb\"> </span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff7 ls2 ws1\">Debit valuation adjustment (DVA): <span class=\"ff4\">The Group calculates DVA adjustments on its derivative <span class=\"_ _7\"></span>liabilities to reflect changes </span></span>in<span class=\"_ gs36\"> </span>its own credit standing. The Group\u2019s <span class=\"_ _7\"></span>DVA adjustments will increase if its credit <span class=\"_ _7\"></span>standing worsens and, conversely, decrease if its credit standing improves. For <span class=\"_ _7\"></span>derivative liabilities, a DVA adjustment is determined <span class=\"_ _7\"></span>by applying the Group\u2019s probability of default to the Group\u2019s negative <span class=\"_ _7\"></span>expected exposure against the counterparty. The Group\u2019s <span class=\"_ _7\"></span>probability of default and loss expected in the event of default is derived based on bond and CDS spreads associated with the Group\u2019s issuances and market standard recovery levels. The expected <span class=\"_ _7\"></span>exposure is modelled based on the simulation <span class=\"_ _7\"></span>of the underlying risk factors over the expected life of the <span class=\"_ _7\"></span>deal. This simulation methodology incorporates the collateral <span class=\"_ _7\"></span>posted by the Group and the effects of master netting agreements. <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff7 ls2 ws1\">Model valuation adjustment:<span class=\"ff4\"> Valuation models may have pricing deficiencies or limitations that <span class=\"_ _7\"></span>require a valuation </span></span>adjustment. These pricing deficiencies or limitations <span class=\"_ _7\"></span>arise due to the choice, implementation and <span class=\"_ _7\"></span>calibration of the pricing<span class=\"_ gs36\"> </span>model. <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff7 ls2 ws1\">Funding valuation adjustment (FVA): <span class=\"ff4\">The Group makes FVA adjustments against derivative products, <span class=\"_ _7\"></span>including embedded </span></span>derivatives. FVA reflects an estimate of <span class=\"_ _7\"></span>the adjustment to its fair value that <span class=\"_ _7\"></span>a market participant would make to <span class=\"_ _7\"></span>incorporate funding costs or benefits that could <span class=\"_ _7\"></span>arise in relation to the exposure. FVA <span class=\"_ _7\"></span>is calculated by determining the net <span class=\"_ _7\"></span>expected exposure at a counterparty level and <span class=\"_ _7\"></span>then applying a funding rate to those <span class=\"_ _7\"></span>exposures that reflect the market cost <span class=\"_ _7\"></span>of funding. The FVA for uncollateralised (including partially <span class=\"_ _7\"></span>collateralised) derivatives incorporates the estimated present value <span class=\"_ _7\"></span>of the market funding cost or benefit associated <span class=\"_ _7\"></span>with funding these transactions. <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff7 ls2 ws1\">Other fair value adjustments: </span><span class=\"ls2\">For certain products, the prices cannot be replicated by usual models or the choice of model </span>inputs can be more subjective. In <span class=\"_ _7\"></span>these circumstances, an adjustment may be necessary <span class=\"_ _7\"></span>to reflect the prices available in <span class=\"_ _7\"></span>the market. In <span class=\"_ _7\"></span>general, where there <span class=\"_ _1b\"></span>is a high degree <span class=\"_ _7\"></span>of uncertainty <span class=\"_ _7\"></span>in the <span class=\"_ _7\"></span>valuation (e.g. <span class=\"_ _7\"></span>due to <span class=\"_ _7\"></span>the nature <span class=\"_ _7\"></span>of the <span class=\"_ _7\"></span>trade, model inputs, model selection etc.), an <span class=\"_ _7\"></span>adjustment can be <span class=\"_ _7\"></span>taken to adopt a <span class=\"_ _7\"></span>more conservative value <span class=\"_ _7\"></span>to better reflect the <span class=\"_ _7\"></span>expected exit price. <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff7 ls2 ws1\">Day one and other deferrals: <span class=\"ff4\">In certain circumstances the initial fair value <span class=\"_ _7\"></span>is based on a valuation technique <span class=\"_ _7\"></span>which differs </span></span>to<span class=\"_ gs36\"> </span>the transaction price at the time <span class=\"_ _7\"></span>of initial recognition. However, these gains can <span class=\"_ _7\"></span>only be recognised when the valuation technique used is based primarily on <span class=\"_ _7\"></span>observable market data. In those cases where <span class=\"_ _7\"></span>the initially recognised fair value is <span class=\"_ _7\"></span>based on a valuation model that uses inputs which are not observable in the market, the difference between the transaction price and the valuation model is not <span class=\"_ _7\"></span>recognised immediately in the income statement. The <span class=\"_ _7\"></span>difference is amortised to the income statement until the inputs become observable, <span class=\"_ _7\"></span>or the transaction matures or is terminated. <span class=\"_ _7\"></span>Other deferrals primarily represent adjustments taken to reflect the <span class=\"_ _7\"></span>specific terms and conditions of certain derivative <span class=\"_ _7\"></span>contracts which affect the termination value at the measurement date.<span class=\"_ _3eb\"> </span>In addition, the Group calculates own <span class=\"_ _7\"></span>credit adjustment (OCA) on its issued debt <span class=\"_ _7\"></span>designated at fair value, including structured notes, in order to reflect changes <span class=\"_ _7\"></span>in its own credit standing. Issued debt <span class=\"_ _7\"></span>is discounted utilising the spread at <span class=\"_ _7\"></span>which similar instruments would be issued or bought back at the measurement date as this reflects the value from the perspective of a market participant who holds the identical item <span class=\"_ _7\"></span>as an asset. OCA measures the difference <span class=\"_ _7\"></span>between the fair value of issued <span class=\"_ _7\"></span>debt as of reporting date and theoretical fair values <span class=\"_ _7\"></span>of issued debt adjusted up or down <span class=\"_ _7\"></span>for changes in own credit spreads <span class=\"_ _7\"></span>from inception date to the measurement date. Under <span class=\"_ _7\"></span>IFRS 9 the change in the OCA <span class=\"_ _7\"></span>component is reported under other comprehensive <span class=\"_ _7\"></span>income. The Group\u2019s OCA reserve will increase <span class=\"_ _7\"></span>if its credit standing worsens in comparison <span class=\"_ _7\"></span>to the inception of the trade <span class=\"_ _7\"></span>and, conversely, decrease if its credit standing improves. <span class=\"_ _7\"></span>The Group\u2019s OCA reserve will reverse over <span class=\"_ _7\"></span>time as its liabilities mature.<span class=\"_ _3eb\"> </span>Fair value hierarchy <span class=\"_ _7\"></span>\u2013 financial <span class=\"_ _7\"></span>instruments held at <span class=\"_ _7\"></span>fair value<span class=\"_ _3eb\"> </span>The fair values of quoted financial <span class=\"_ _7\"></span>assets and liabilities in active markets are <span class=\"_ _7\"></span>based on current prices. A market <span class=\"_ _7\"></span>is regarded as active if transactions for the asset <span class=\"_ _7\"></span>or liability take place with sufficient frequency <span class=\"_ _7\"></span>and volume to provide pricing information <span class=\"_ _7\"></span>on an ongoing basis. Wherever possible, fair <span class=\"_ _7\"></span>values have been calculated using unadjusted quoted <span class=\"_ _7\"></span>market prices in active markets for identical instruments held by the <span class=\"_ _7\"></span>Group. Where quoted market prices are not <span class=\"_ _7\"></span>available, or are unreliable because of <span class=\"_ _7\"></span>poor liquidity, fair values have been determined <span class=\"_ _7\"></span>using valuation techniques which, to the extent <span class=\"_ _7\"></span>possible, use market observable inputs, but in some cases use <span class=\"_ _7\"></span>unobservable inputs. Valuation techniques used include discounted <span class=\"_ _7\"></span>cash flow analysis and pricing models and, where appropriate, comparison with <span class=\"_ _7\"></span>instruments that have characteristics similar to those <span class=\"_ _7\"></span>of the instruments held by the Group.<span class=\"_ _3eb\"> </span>Assets and liabilities carried at fair <span class=\"_ _7\"></span>value or for which fair values are <span class=\"_ _7\"></span>disclosed have been classified into three <span class=\"_ _7\"></span>levels according to the observability of the significant inputs <span class=\"_ _7\"></span>used to determine the fair values. Changes <span class=\"_ _7\"></span>in the observability of significant valuation inputs during the reporting period may <span class=\"_ _7\"></span>result in a transfer of assets and <span class=\"_ _7\"></span>liabilities within the fair value hierarchy. <span class=\"_ _7\"></span>The Group recognises transfers between levels of the <span class=\"_ _7\"></span>fair value hierarchy when there is a <span class=\"_ _7\"></span>significant change in either its principal <span class=\"_ _7\"></span>market or<span class=\"_ gs36\"> </span>the level of observability of the <span class=\"_ _7\"></span>inputs to the valuation techniques as at <span class=\"_ _7\"></span>the end of the reporting period. <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff7 ls2 ws1\">Level 1:<span class=\"ff4\"> Fair value measurements are those derived from unadjusted quoted prices <span class=\"_ _7\"></span>in active markets for identical assets </span></span>or<span class=\"_ gs36\"> </span>liabilities. <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff7 ls2 ws1\">Level 2:<span class=\"ff4\"> Fair value measurements are those with quoted prices for similar <span class=\"_ _7\"></span>instruments in active markets or quoted <span class=\"_ _7\"></span>prices </span></span>for<span class=\"_ gs36\"> </span>identical or similar instruments in inactive <span class=\"_ _7\"></span>markets and financial instruments valued using models <span class=\"_ _7\"></span>where all significant inputs are observable. <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff7 ls2 ws1\">Level 3:<span class=\"ff4\"> Fair value measurements are those where inputs which could have <span class=\"_ _7\"></span>a significant effect on the instrument\u2019s <span class=\"_ _7\"></span>valuation </span></span>are not based on observable market <span class=\"_ _7\"></span>data.<span class=\"_ _3eb\"> </span>The following tables show the classification <span class=\"_ _7\"></span>of financial instruments held at fair value <span class=\"_ _7\"></span>into the valuation hierarchy:<span class=\"_ _3eb\"> </span><table class=\"s w640 h24b\" id=\"_c303f662-fbf8-4d7d-bf5d-08054c109f58\"><tr><td></td><td></td><td class=\"c n xc25 y678d w281 h21e\"><div class=\"t m0 x1ed h14f y6611 ff5 fs64 fc0 sc0 ls50 ws5b\">2025<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td></td><td class=\"c n xc26 y678d w641 h209\"><div class=\"t m0 x1ed h14f y6611 ff1 fs64 fc3 sc0 ls50 ws5b\">2024<span class=\"_ _3eb\"> </span></div></td><td></td><td></td></tr><tr><td></td><td class=\"t m0 xc27 h14f y678e ff5 fs64 fc0 sc0 ls50 ws5b\">Level 1<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x6bc h14f y678e ff5 fs64 fc0 sc0 ls50 ws5b\">Level 2<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xc28 h14f y678e ff5 fs64 fc0 sc0 ls50 ws5b\">Level 3<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x668 h14f y678e ff5 fs64 fc0 sc0 ls50 ws5b\">Total<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xc29 h151 y678e ff1 fs64 fc3 sc0 ls50 ws0\">Level 1<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xc2a h151 y678e ff1 fs64 fc3 sc0 ls50 ws0\">Level 2<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xc2b h151 y678e ff1 fs64 fc3 sc0 ls50 ws0\">Level 3<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x2f4 h151 y678e ff1 fs64 fc3 sc0 ls50 ws5b\">Total<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"t m0 x235 h151 y678f ff1 fs64 fc3 sc0 ls50 ws5b\">Assets<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x4bc h14f y678f ff5 fs64 fc0 sc0 ls50 ws5b\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xc2c h14f y678f ff5 fs64 fc0 sc0 ls50 ws5b\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xc2d h14f y678f ff5 fs64 fc0 sc0 ls50 ws5b\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xc2e h14f y678f ff5 fs64 fc0 sc0 ls50 ws5b\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xadd h153 y678f ff4 fs64 fc3 sc0 ls50 ws5b\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x870 h153 y678f ff4 fs64 fc3 sc0 ls50 ws5b\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xc2f h153 y678f ff4 fs64 fc3 sc0 ls50 ws5b\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x2fd h153 y678f ff4 fs64 fc3 sc0 ls50 ws5b\">$million<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"t m0 x235 h13 y6790 ff5 fs7 fc3 sc0 ls7 ws7\">Financial instruments held at fair value through profit <span class=\"_ _7\"></span>or loss<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x236 y6792 w642 h20a\"><div class=\"t m0 x1ed hb2 y6791 ff1 fs7 fc3 sc0 ls7 ws0\">Loans and advances to banks<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc30 y6792 w14d h20b\"><div class=\"t m0 x1ed hb2 y6791 ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc31 y6792 w643 h20b\"><div class=\"t m0 x1ed hb2 y6791 ff6 fs7 fc3 sc0 ls7 ws7\">2,685<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc32 y6792 w644 h20b\"><div class=\"t m0 x1ed hb2 y6791 ff6 fs7 fc3 sc0 ls7 ws7\">299<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc33 y6792 w542 h20b\"><div class=\"t m0 x1ed hb2 y6791 ff6 fs7 fc3 sc0 ls7 ws7\">2,984<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc34 y6792 w14d h20b\"><div class=\"t m0 x1ed hb2 y6791 ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc35 y6792 w57a h20a\"><div class=\"t m0 x1ed hb2 y6791 ff1 fs7 fc3 sc0 ls7 ws7\">2,213<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc36 y6792 w14d h20b\"><div class=\"t m0 x1ed hb2 y6791 ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc37 y6792 w57a h20a\"><div class=\"t m0 x1ed hb2 y6791 ff1 fs7 fc3 sc0 ls7 ws7\">2,213<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x236 y6793 w645 h20a\"><div class=\"t m0 x1ed hb2 y6791 ff1 fs7 fc3 sc0 ls7 ws0\">Loans and advances to customers<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc38 y6793 w14d h20b\"><div class=\"t m0 x1ed hb2 y6791 ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc39 y6793 w646 h20b\"><div class=\"t m0 x1ed hb2 y6791 ff6 fs7 fc3 sc0 ls7 ws7\">8,891<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc3a y6793 w647 h20b\"><div class=\"t m0 x1ed hb2 y6791 ff6 fs7 fc3 sc0 ls7 ws7\">3,464<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc3b y6793 w546 h20b\"><div class=\"t m0 x1ed hb2 y6791 ff6 fs7 fc3 sc0 ls7 ws7\">12,355<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc3c y6793 w14d h20b\"><div class=\"t m0 x1ed hb2 y6791 ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc3d y6793 w648 h20b\"><div class=\"t m0 x1ed hb2 y6791 ff4 fs7 fc3 sc0 ls7 ws7\">5,147<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc3e y6793 w649 h20b\"><div class=\"t m0 x1ed hb2 y6791 ff4 fs7 fc3 sc0 ls7 ws7\">1,937<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x6af y6793 w64a h20b\"><div class=\"t m0 x1ed hb2 y6791 ff4 fs7 fc3 sc0 ls7 ws7\">7,084<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x247 hb y6794 ff4 fs7 fc3 sc0 ls7 ws7\">Reverse repurchase agreements and other similar secured </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x236 y6795 w64b h20d\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws7\">lending<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc3f y6795 w14d h20c\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc40 y6795 w64c h20c\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">80,446<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc41 y6795 w64d h20c\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">3,684<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc42 y6795 w549 h20c\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">84,130<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc43 y6795 w145 h20c\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">19<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc44 y6795 w58a h20c\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">82,937<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc45 y6795 w64e h20c\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">3,239<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc46 y6795 w582 h20c\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">86,195<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x236 y6796 w64f h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">Debt securities and other eligible bills<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc47 y6796 w650 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">38,015<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc48 y6796 w651 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">45,365<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc49 y6796 w652 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">3,324<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc4a y6796 w54f h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">86,704<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc4b y6796 w653 h20d\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws7\">32,331<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc4c y6796 w654 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">42,615<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc4d y6796 w655 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">1,593<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc4e y6796 w586 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">76,539<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x247 hb y6797 ff4 fs7 fc3 sc0 ls7 ws7\">Of which:<span class=\"_ _3eb\"> </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 y6798 w656 h20d\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws0\">Issued by central banks &amp; governments<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc4f y6798 w657 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">35,078<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc50 y6798 w2d0 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">21,875<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc51 y6798 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc52 y6798 w658 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">56,953<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc53 y6798 w659 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">30,278<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc54 y6798 w65a h20d\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws7\">13,355<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc55 y6798 w65b h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls0 ws0\">9<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc56 y6798 w65c h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">43,642<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x248 y6799 w65d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">Issued by corporates other than financial institutions</div><div class=\"t m0 xc57 hd1 y659f ff1 fs61 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc58 y679a w65e h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">71<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc59 y679a w65f h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">5,531<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc5a y679a w660 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">232<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc5b y679a w661 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">5,834<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc5c y679a w662 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls0 ws0\">7<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc5d y679a w199 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">4,860<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc5e y679a w14a h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">399<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc5f y679a w58f h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">5,266<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x248 y679b w663 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">Issued by financial institutions</div><div class=\"t m0 xc60 hd1 y659f ff1 fs61 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc61 y679c w664 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">2,866<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc62 y679c w665 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">17,959<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc63 y679c w666 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">3,092<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc64 y679c w667 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">23,917<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc65 y679c w668 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">2,046<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc66 y679c w1b4 h20d\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws7\">24,400<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc67 y679c w114 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">1,185<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc68 y679c w669 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">27,631<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x236 y679d w550 h20d\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws0\">Equity shares<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc69 y679d w66a h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">6,319<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc6a y679d w66b h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">2,455<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc6b y679d w66c h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">310<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc6c y679d w553 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">9,084<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc6d y679d w66d h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">5,287<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc6e y679d w66e h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls0 ws0\">8<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc6f y679d w66f h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">191<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc70 y679d w670 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">5,486<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y679e w556 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">Derivative financial instruments<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc71 y679e w671 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">766<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc72 y679e w672 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">64,926<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc73 y679e w673 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">90<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc74 y679e w55a h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">65,782<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc75 y679e w674 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">386<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc76 y679e w675 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">80,958<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc77 y679e w676 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">128<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc78 y679e w32d h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">81,472<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x247 hb y679f ff4 fs7 fc3 sc0 ls7 ws7\">Of which:<span class=\"_ _3eb\"> </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 y67a0 w677 h20d\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws0\">Foreign exchange<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc79 y67a0 w678 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">132<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc7a y67a0 w679 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">55,776<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc7b y67a0 w67a h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">35<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc7c y67a0 w67b h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">55,943<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc7d y67a0 w67c h20d\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws7\">140<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc7e y67a0 w67d h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">72,870<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc7f y67a0 w67e h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">37<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc80 y67a0 w67f h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">73,047<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x248 y67a1 w680 h20d\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws0\">Interest rate<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc81 y67a1 w681 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">39<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc82 y67a1 w682 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">6,143<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc83 y67a1 w683 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">46<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc84 y67a1 w684 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">6,228<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc85 y67a1 w685 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">27<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc86 y67a1 w686 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">6,296<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc87 y67a1 w687 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">80<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc88 y67a1 w16b h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">6,403<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x248 y67a2 w688 h20d\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws7\">Credit<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc89 y67a2 w14e h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc8a y67a2 w689 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">488<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc8b y67a2 w68a h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">5<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc8c y67a2 w68b h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">493<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc8d y67a2 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc8e y67a2 w68c h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">388<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc8f y67a2 w68d h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls0 ws0\">9<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc90 y67a2 w68e h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">397<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x248 y67a3 w68f h20d\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws0\">Equity and stock index options<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc91 y67a3 w14e h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc92 y67a3 w690 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">332<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc93 y67a3 w182 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">4<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc94 y67a3 w691 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">336<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc95 y67a3 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc96 y67a3 w692 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">349<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc97 y67a3 w693 h20d\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc98 y67a3 w694 h20d\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws7\">351<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x248 y67a4 w695 h20d\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws7\">Commodity<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc99 y67a4 w696 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">595<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc9a y67a4 w697 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">2,187<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc9b y67a4 w14f h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc9c y67a4 w698 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">2,782<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc9d y67a4 w699 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">219<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc9e y67a4 w69a h20d\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws7\">1,055<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc9f y67a4 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xca0 y67a4 w69b h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">1,274<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x235 h13 y67a5 ff5 fs7 fc3 sc0 ls7 ws7\">Investment securities<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x236 y67a6 w64f h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">Debt securities and other eligible bills<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xca1 y67a6 w69c h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">67,058<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xca2 y67a6 w69d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">41,445<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xca3 y67a6 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xca4 y67a6 w564 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">108,503<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xca5 y67a6 w69e h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">50,249<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xca6 y67a6 w69f h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">38,176<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xca7 y67a6 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xca8 y67a6 w596 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">88,425<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x247 hb y67a7 ff4 fs7 fc3 sc0 ls7 ws7\">Of which:<span class=\"_ _3eb\"> </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 y67a8 w656 h212\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws0\">Issued by central banks &amp; governments<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc4f y67a8 w6a0 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">53,830<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xca9 y67a8 w6a1 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">22,336<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcaa y67a8 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcab y67a8 w14b h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">76,166<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcac y67a8 w6a2 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">41,395<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcad y67a8 w6a3 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">16,916<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcae y67a8 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcaf y67a8 w6a4 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">58,311<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x248 y67a9 w65d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">Issued by corporates other than financial institutions</div><div class=\"t m0 xc57 hd1 y659f ff1 fs61 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcb0 y67aa w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcb1 y67aa w6a5 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">438<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcb2 y67aa w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcb3 y67aa w6a6 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">438<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcb4 y67aa w14f h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcb5 y67aa w4ad h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">490<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcb6 y67aa w14f h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcb7 y67aa w4ad h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">490<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x248 y67ab w663 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">Issued by financial institutions</div><div class=\"t m0 xc60 hd1 y659f ff1 fs61 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcb8 y67ac w6a7 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">13,228<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcb9 y67ac w6a8 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">18,671<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcba y67ac w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcbb y67ac w6a9 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">31,899<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcbc y67ac w6aa h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">8,854<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcbd y67ac w6ab h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">20,770<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcbe y67ac w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcbf y67ac w6ac h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">29,624<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x236 y67ad w550 h212\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws0\">Equity shares<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcc0 y67ad w573 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">34<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcc1 y67ad w6ad h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcc2 y67ad w57c h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">1,167<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcc3 y67ad w16e h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">1,203<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcc4 y67ad w685 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">27<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcc5 y67ad w693 h212\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcc6 y67ad w6ae h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">965<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcc7 y67ad w59a h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">994<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y67af w6af h20b\"><div class=\"t m0 x1ed h13 y6716 ff5 fs7 fc3 sc0 ls7 ws7\">Total assets at 31 December</div><div class=\"t m0 xcc8 hd0 y67ae ff5 fs61 fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x6b4 y67b0 w6b0 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">112,192<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcc9 y67b0 w6b1 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">246,215<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcca y67b0 w349 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">12,338<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xccb y67b0 w575 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">370,745<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xccc y67b0 w6b2 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">88,299<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xccd y67b0 w6b3 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">252,056<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcce y67b0 w6b4 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">8,053<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xccf y67b0 w6b5 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">348,408<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x235 h13 y67b1 ff5 fs7 fc3 sc0 ls7 ws7\">Liabilities<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m0 x235 h13 y67b2 ff5 fs7 fc3 sc0 ls7 ws7\">Financial instruments held at fair value through profit <span class=\"_ _7\"></span>or loss<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x236 y67b3 w6b6 h212\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws0\">Deposits by banks<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcd0 y67b3 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcd1 y67b3 w186 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">2,059<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcd2 y67b3 w644 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">269<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcd3 y67b3 w6b7 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">2,328<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcd4 y67b3 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcd5 y67b3 w6b8 h212\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws7\">1,522<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcd6 y67b3 w30f h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">371<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcd7 y67b3 w6b9 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">1,893<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x236 y67b4 w6ba h212\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws0\">Customer accounts<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcd8 y67b4 w14e h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcd9 y67b4 w6bb h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">15,936<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcda y67b4 w6bc h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">3,478<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcdb y67b4 w6bd h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">19,414<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcdc y67b4 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcdd y67b4 w6a h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">19,058<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcde y67b4 w69b h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">2,714<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcdf y67b4 w6be h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">21,772<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x236 y67b5 w6bf h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">Repurchase agreements and other similar secured borrowing<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xce0 y67b5 w14e h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xce1 y67b5 w6c0 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">36,307<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xce2 y67b5 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xce3 y67b5 w6c0 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">36,307<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xce4 y67b5 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xce5 y67b5 w2ab h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">33,539<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xce6 y67b5 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xce7 y67b5 w2ab h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">33,539<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x236 y67b6 w6c1 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">Debt securities in issue<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xce8 y67b6 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xce9 y67b6 w6c2 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">14,925<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcea y67b6 w6c3 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">1,084<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xceb y67b6 w6c4 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">16,009<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc34 y67b6 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcec y67b6 w6c5 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">12,317<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xced y67b6 w6c6 h212\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws7\">1,414<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcee y67b6 w6c7 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">13,731<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x236 y67b7 w6c8 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">Short positions<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcef y67b7 w6c9 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">8,674<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcf0 y67b7 w10f h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">6,789<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcf1 y67b7 w6ca h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">76<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcf2 y67b7 w3ea h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">15,539<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcf3 y67b7 w6cb h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">8,789<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcf4 y67b7 w6cc h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">5,558<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcf5 y67b7 w6cd h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">180<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcf6 y67b7 w6ce h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">14,527<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y67b8 w556 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">Derivative financial instruments<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcf7 y67b8 w6cf h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">380<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcf8 y67b8 w2c4 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">67,598<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcf9 y67b8 w6d0 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">226<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcfa y67b8 w6d1 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">68,204<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcfb y67b8 w6d2 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">419<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcfc y67b8 w6d3 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">81,387<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcfd y67b8 w6d4 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">258<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcfe y67b8 w235 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">82,064<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x247 hb y67b9 ff4 fs7 fc3 sc0 ls7 ws7\">Of which:<span class=\"_ _3eb\"> </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 y67ba w677 h212\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws0\">Foreign exchange<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc79 y67ba w6d5 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">155<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcff y67ba w6d6 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">56,427<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd00 y67ba w18a h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">21<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd01 y67ba w6d7 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">56,603<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd02 y67ba w6d8 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">183<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd03 y67ba w6d9 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">69,684<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd04 y67ba w6da h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls0 ws0\">8<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd05 y67ba w6db h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">69,875<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x248 y67bb w680 h212\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws0\">Interest rate<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc81 y67bb w6dc h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">83<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd06 y67bb w6dd h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">6,464<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd07 y67bb w6de h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">22<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd08 y67bb w661 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">6,569<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd09 y67bb w6df h212\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws7\">14<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd0a y67bb w6e0 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">8,586<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd0b y67bb w6e1 h212\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws7\">23<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd0c y67bb w6e2 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">8,623<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x248 y6747 w688 h212\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws7\">Credit<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc89 y6747 w14e h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd0d y6747 w193 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">1,958<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd0e y6747 w6e3 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">128<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd0f y6747 w598 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">2,086<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd10 y6747 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd11 y6747 w6e4 h212\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws7\">2,131<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd12 y6747 w6e5 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">189<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd13 y6747 w6e6 h212\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws7\">2,320<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x248 y6748 w68f h212\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws0\">Equity and stock index options<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc91 y6748 w14e h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd14 y6748 w18e h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">428<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd15 y6748 w6e7 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">54<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd16 y6748 w6e8 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">482<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc8d y6748 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd17 y6748 w6e9 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">157<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd18 y6748 w67e h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">37<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd19 y6748 w6d2 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">194<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x248 y67bc w695 h212\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws7\">Commodity<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd1a y67bc w6ea h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">142<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd1b y67bc w6eb h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">2,321<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd1c y67bc w6ec h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd1d y67bc w6ed h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">2,464<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd1e y67bc w6ee h212\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws7\">222<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd1f y67bc w6ef h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">829<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd20 y67bc w6f0 h212\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd21 y67bc w6f1 h212\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws7\">1,052<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y674a w6f2 h20b\"><div class=\"t m0 x1ed hb2 y65af ff5 fs7 fc3 sc0 ls7 ws7\">Total liabilities at 31 December<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd22 y674a w2c7 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">9,054<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd23 y674a w6f3 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">143,614<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd24 y674a w6f4 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">5,133<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd25 y674a w366 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">157,801<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd26 y674a w6f5 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">9,208<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd27 y674a w6f6 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">153,381<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd28 y674a w4d9 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">4,937<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd29 y674a w6f7 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">167,526<span class=\"_ _3eb\"> </span></div></td></tr></table>1 <span class=\"_ _b\"> </span><span class=\"ff4\">Includes covered bonds of $3,045 million (2024: $3,727 million), securities issued by Multilateral <span class=\"_ _7\"></span>Development Banks/International Organisations of $16,039 million </span>(2024: $10,679 million), and State-owned agencies and development <span class=\"_ _7\"></span>banks of $27,449 million(2024: $16,759 million).<span class=\"_ _3eb\"> </span>2 <span class=\"_ _f\"> </span><span class=\"ff4\">The table above does not include held for sale assets of nil <span class=\"_ _7\"></span>million (2024: $5 million) .These are reported in <span class=\"_ _7\"></span>Note 21 together with their fair value hierarchy.<span class=\"_ _3eb\"> </span></span>The fair value of financial assets <span class=\"_ _7\"></span>and financial liabilities classified as Level 2 <span class=\"_ _7\"></span>in the fair value hierarchy that <span class=\"_ _7\"></span>are subject to<span class=\"_ gs36\"> </span>complex modelling techniques is $327 million <span class=\"_ _7\"></span>(2024: $739 million) and $314 million (2024: <span class=\"_ _7\"></span>$320 million) respectively.<span class=\"_ _3eb\"> </span>There were no significant changes to <span class=\"_ _7\"></span>valuation or levelling approaches in 2025.<span class=\"_ _3eb\"> </span>There were no significant transfers of <span class=\"_ _7\"></span>financial assets and liabilities measured at fair <span class=\"_ _7\"></span>value between Level 1 and Level <span class=\"_ _7\"></span>2 during<span class=\"_ gs36\"> </span>the year.<span class=\"_ _3eb\"> </span>Fair value hierarchy <span class=\"_ _7\"></span>\u2013 financial <span class=\"_ _7\"></span>instruments measured at <span class=\"_ _7\"></span>amortised cost<span class=\"_ _3eb\"> </span>The following table shows the carrying <span class=\"_ _7\"></span>amounts and incorporates the Group\u2019s estimate of <span class=\"_ _7\"></span>fair values of those financial assets and liabilities not presented on the <span class=\"_ _7\"></span>Group\u2019s balance sheet at fair value. These <span class=\"_ _7\"></span>fair values may be different from <span class=\"_ _7\"></span>the actual amount that will be received or <span class=\"_ _7\"></span>paid on the settlement or maturity of <span class=\"_ _7\"></span>the financial instrument. For certain instruments, <span class=\"_ _7\"></span>the fair value may be determined using assumptions <span class=\"_ _7\"></span>for which no observable prices are available.<span class=\"_ _3eb\"> </span><table class=\"s w6f8 h24c\" id=\"_a19260c6-28f9-4243-a762-63ab8d6ff0c6\"><tr><td></td><td></td><td></td><td class=\"c n x527 y67bd w281 h21e\"><div class=\"t m0 x1ed h14f y6611 ff5 fs64 fc0 sc0 ls50 ws5b\">2025<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td></td><td></td><td class=\"c n xd2a y67bd w6f9 h209\"><div class=\"t m0 x1ed h14f y6611 ff1 fs64 fc3 sc0 ls50 ws5b\">2024<span class=\"_ _3eb\"> </span></div></td><td></td><td></td></tr><tr><td></td><td class=\"t m0 x534 h14f y67be ff5 fs64 fc0 sc0 ls50 ws5b\">Carrying </td><td></td><td class=\"t m0 xd2b h14f y67bf ff5 fs64 fc0 sc0 ls50 ws5b\">Fair value<span class=\"_ _3eb\"> </span></td><td></td><td></td><td class=\"t m0 x539 h151 y67be ff1 fs64 fc3 sc0 ls50 ws5b\">Carrying </td><td></td><td class=\"t m0 xb9e h151 y67bf ff1 fs64 fc3 sc0 ls50 ws0\">Fair value<span class=\"_ _3eb\"> </span></td><td></td><td></td></tr><tr><td></td><td class=\"t m0 xd2c h14f y67c0 ff5 fs64 fc0 sc0 ls50 ws5b\">value<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xd2d h14f y67c0 ff5 fs64 fc0 sc0 ls50 ws5b\">Level 1<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xd2e h14f y67c0 ff5 fs64 fc0 sc0 ls50 ws5b\">Level 2<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xd2f h14f y67c0 ff5 fs64 fc0 sc0 ls50 ws5b\">Level 3<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x538 h14f y67c0 ff5 fs64 fc0 sc0 ls50 ws5b\">Total<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xd30 h151 y67c0 ff1 fs64 fc3 sc0 ls50 ws5b\">value<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xd31 h151 y67c0 ff1 fs64 fc3 sc0 ls50 ws0\">Level 1<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xd32 h151 y67c0 ff1 fs64 fc3 sc0 ls50 ws0\">Level 2<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xd33 h151 y67c0 ff1 fs64 fc3 sc0 ls50 ws0\">Level 3<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x53d h151 y67c0 ff1 fs64 fc3 sc0 ls50 ws5b\">Total<span class=\"_ _3eb\"> </span></td></tr><tr><td></td><td class=\"t m0 x53e h14f y67c1 ff5 fs64 fc0 sc0 ls50 ws5b\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x53f h14f y67c1 ff5 fs64 fc0 sc0 ls50 ws5b\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x540 h14f y67c1 ff5 fs64 fc0 sc0 ls50 ws5b\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x541 h14f y67c1 ff5 fs64 fc0 sc0 ls50 ws5b\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x542 h14f y67c1 ff5 fs64 fc0 sc0 ls50 ws5b\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x543 h153 y67c1 ff4 fs64 fc3 sc0 ls50 ws5b\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x544 h153 y67c1 ff4 fs64 fc3 sc0 ls50 ws5b\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x545 h153 y67c1 ff4 fs64 fc3 sc0 ls50 ws5b\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x546 h153 y67c1 ff4 fs64 fc3 sc0 ls50 ws5b\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x547 h153 y67c1 ff4 fs64 fc3 sc0 ls50 ws5b\">$million<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"t m0 x221 h13 y67c2 ff5 fs7 fc3 sc0 ls7 ws7\">Assets<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1ee y67c3 w53e h241\"><div class=\"t m0 x1ed hba y65a9 ff1 fs7 fc3 sc0 ls7 ws0\">Cash and balances at central banks</div><div class=\"t m0 x9db hd1 y65aa ff1 fs61 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd34 y67c4 w53f h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">77,746<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd35 y67c4 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd36 y67c4 w6fa h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">77,746<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd37 y67c4 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd38 y67c4 w6fa h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">77,746<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd39 y67c4 w579 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">63,447<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd3a y67c4 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd3b y67c4 w579 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">63,447<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd3c y67c4 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd3d y67c4 w579 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">63,447<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y67c5 w642 h20d\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws0\">Loans and advances to banks<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd3e y67c5 w6fb h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">43,901<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd3f y67c5 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd40 y67c5 w6fc h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">43,834<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd41 y67c5 w6dc h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">83<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd42 y67c5 w1bd h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">43,917<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd43 y67c5 w6fd h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">43,593<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd44 y67c5 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd45 y67c5 w6fe h20d\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws7\">43,430<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd46 y67c5 w6ff h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">165<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd47 y67c5 w700 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">43,595<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x40a hb y67c6 ff4 fs7 fc3 sc0 ls7 ws7\">of which \u2013 reverse repurchase </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m0 x40a hb y67c7 ff4 fs7 fc3 sc0 ls7 ws7\">agreements and other similar </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x40b y67c8 w547 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">secured<span class=\"_ gs1a2\"> </span>lending<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd48 y67c8 w55f h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">3,724<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd49 y67c8 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd4a y67c8 w670 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">3,733<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd4b y67c8 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd4c y67c8 w670 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">3,733<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd4d y67c8 w701 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">2,946<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd4e y67c8 w14f h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd4f y67c8 w702 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">2,948<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd50 y67c8 w14f h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd51 y67c8 w702 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">2,948<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y67c9 w645 h20d\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws0\">Loans and advances to customers<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd52 y67c9 w2e5 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">286,788<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd53 y67c9 w14e h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd54 y67c9 w55a h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">28,759<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd55 y67c9 w703 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">257,093<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd56 y67c9 w704 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">285,852<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd57 y67c9 w705 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">281,032<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd58 y67c9 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd59 y67c9 w706 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">40,582<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd5a y67c9 w707 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">238,986<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd5b y67c9 w708 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">279,568<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x40a hb y67ca ff4 fs7 fc3 sc0 ls7 ws7\">of which \u2013 reverse repurchase </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m0 x40a hb y67cb ff4 fs7 fc3 sc0 ls7 ws7\">agreements and other similar </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x40b y67cc w547 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">secured<span class=\"_ gs1a2\"> </span>lending<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd5c y67cc w709 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">8,242<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd5d y67cc w14e h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd5e y67cc w709 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">8,242<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd5f y67cc w14e h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd60 y67cc w709 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">8,242<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd61 y67cc w594 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">9,660<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd62 y67cc w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd63 y67cc w70a h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">9,618<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd64 y67cc w70b h20d\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws7\">42<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd65 y67cc w594 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">9,660<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y67cd w70c h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">Investment securities</div><div class=\"t m0 xd66 hd1 y659f ff1 fs61 fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd34 y67ce w70d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">57,250<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd67 y67ce w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd68 y67ce w70e h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">56,427<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd69 y67ce w14e h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd6a y67ce w6d6 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">56,427<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd6b y67ce w598 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">55,137<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd6c y67ce w14f h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd6d y67ce w2cc h20d\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws7\">53,050<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd6e y67ce w70b h20d\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws7\">24<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd6f y67ce w70f h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">53,074<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y67cf w710 h241\"><div class=\"t m0 x1ed hba y65a9 ff1 fs7 fc3 sc0 ls7 ws0\">Other assets</div><div class=\"t m0 xd70 hd1 y65aa ff1 fs61 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd71 y67d0 w711 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">36,770<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd72 y67d0 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd73 y67d0 w711 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">36,770<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd74 y67d0 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd75 y67d0 w711 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">36,770<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd76 y67d0 w712 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">34,585<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd77 y67d0 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd78 y67d0 w59e h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">34,585<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd79 y67d0 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd7a y67d0 w59e h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">34,585<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y67d1 w56e h20d\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws0\">Assets held for sale<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd7b y67d1 w56f h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">1,042<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd7c y67d1 w713 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">74<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd7d y67d1 w714 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">178<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd7e y67d1 w715 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">790<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd7f y67d1 w716 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">1,042<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd80 y67d1 w717 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">884<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd81 y67d1 w179 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">58<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd82 y67d1 w718 h20d\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws7\">353<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd83 y67d1 w719 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">473<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd84 y67d1 w717 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">884<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y67d2 w71a h20b\"><div class=\"t m0 x1ed hb2 y65af ff5 fs7 fc3 sc0 ls7 ws7\">Total as at 31 December<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd85 y67d2 w71b h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">503,497<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd86 y67d2 w713 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">74<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd87 y67d2 w71c h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">243,714<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd88 y67d2 w71d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">257,966<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd89 y67d2 w71e h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">501,754<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd8a y67d2 w71f h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">478,678<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd8b y67d2 w179 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">58<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd8c y67d2 w64b h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">235,447<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd8d y67d2 w720 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">239,648<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd8e y67d2 w721 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">475,153<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x221 h13 y67d3 ff5 fs7 fc3 sc0 ls7 ws7\">Liabilities<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y67d4 w6b6 h20d\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws0\">Deposits by banks<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd8f y67d4 w722 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">30,846<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd90 y67d4 w14e h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd91 y67d4 w723 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">30,846<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd92 y67d4 w14e h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd93 y67d4 w722 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">30,846<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd94 y67d4 w724 h20d\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws7\">25,400<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd95 y67d4 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd96 y67d4 w725 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">25,238<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd97 y67d4 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd98 y67d4 w725 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">25,238<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y67d5 w6ba h20d\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws0\">Customer accounts<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd99 y67d5 w726 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">530,161<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd53 y67d5 w14e h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd9a y67d5 w727 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">526,569<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd9b y67d5 w14e h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd9c y67d5 w727 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">526,569<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd9d y67d5 w728 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">464,489<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd9e y67d5 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd9f y67d5 w729 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">461,549<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xda0 y67d5 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xda1 y67d5 w729 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">461,549<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y67d6 w72a h24d\"><div class=\"t m0 x1ed hba y65b6 ff1 fs7 fc3 sc0 ls7 ws0\">Repurchase agreements and other<span class=\"_ _3eb\"> </span></div><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">similar<span class=\"_ gs1a2\"> </span>secured borrowing<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xda2 y67d6 w72b h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">7,757<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xda3 y67d6 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xda4 y67d6 w72c h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">7,757<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xda5 y67d6 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xda6 y67d6 w72c h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">7,757<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xda7 y67d6 w72d h212\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws7\">12,132<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd58 y67d6 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xda8 y67d6 w72e h212\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws7\">12,133<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xda9 y67d6 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdaa y67d6 w72f h212\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws7\">12,133<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y67d7 w6c1 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">Debt securities in issue<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdab y67d7 w730 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">72,858<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdac y67d7 w731 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">36,578<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdad y67d7 w732 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">36,392<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdae y67d7 w14e h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdaf y67d7 w733 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">72,970<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdb0 y67d7 w734 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">64,609<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdb1 y67d7 w735 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">32,209<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdb2 y67d7 w736 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">32,181<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdb3 y67d7 w14f h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdb4 y67d7 w737 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">64,390<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y65bd w738 h243\"><div class=\"t m0 x1ed hb y671e ff4 fs7 fc3 sc0 ls7 ws7\">Subordinated liabilities and other<span class=\"_ _3eb\"> </span></div><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws0\">borrowed funds<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdb5 y65bd w739 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">8,834<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdb6 y65bd w311 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">8,045<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdb7 y65bd w73a h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">607<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdb8 y65bd w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdb9 y65bd w643 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">8,652<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdba y65bd w73b h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">10,382<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdbb y65bd w73c h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">9,599<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdbc y65bd w73d h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">429<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdbd y65bd w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdbe y65bd w6fd h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">10,028<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y67d8 w73e h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">Other liabilities\u00b9<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdbf y67d8 w73f h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">45,788<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdc0 y67d8 w14e h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdc1 y67d8 w740 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">45,788<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdc2 y67d8 w14e h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdc3 y67d8 w740 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">45,788<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdc4 y67d8 w741 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">44,047<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdc5 y67d8 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdc6 y67d8 w742 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">44,047<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdc7 y67d8 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdc8 y67d8 w742 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">44,047<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y67d9 w743 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">Liabilities held for sale<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdc9 y67d9 w744 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">908<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdca y67d9 w745 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">147<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdcb y67d9 w746 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">761<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdcc y67d9 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdcd y67d9 w747 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">908<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdce y67d9 w748 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">360<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdcf y67d9 w749 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">89<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdd0 y67d9 w74a h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">271<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdd1 y67d9 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdd2 y67d9 w74b h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">360<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6567 w71a h20b\"><div class=\"t m0 x1ed hb2 y65af ff5 fs7 fc3 sc0 ls7 ws7\">Total as at 31 December<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdd3 y6567 w74c h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">697,152<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdd4 y6567 w74d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">44,770<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdd5 y6567 w74e h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">648,720<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdd6 y6567 w14e h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdd7 y6567 w74f h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">693,490<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdd8 y6567 w4e9 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">621,419<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdd9 y6567 w750 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">41,897<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdda y6567 w23e h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">575,848<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xda9 y6567 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xddb y6567 w751 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">617,745<span class=\"_ _3eb\"> </span></div></td></tr></table>1 <span class=\"_ _b\"> </span><span class=\"ff4\">The carrying amount of these financial instruments is considered to be a reasonable <span class=\"_ _7\"></span>approximation of fair value as they are short-term <span class=\"_ _7\"></span>in nature or reprice </span>to<span class=\"_ gs1a2\"> </span>current market rates frequently.<span class=\"_ _3eb\"> </span>2 <span class=\"_ _f\"> </span><span class=\"ff4\">Includes Government bonds and Treasury bills of $27,813 million at 31 December <span class=\"_ _7\"></span>2025 (31 December 2024: $23,150 million).<span class=\"_ _3eb\"> </span></span>Loans and advances to customers by client segment1<span class=\"_ _3eb\"> </span><table class=\"s w752 h24e\" id=\"_f5f22e35-2c01-434c-823d-917d99dcff21\"><tr><td></td><td></td><td></td><td class=\"c n xddc y67da w281 h24f\"><div class=\"t m0 x1ed h14f y6611 ff5 fs64 fc0 sc0 ls50 ws5b\">2025<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td class=\"c n xddd y67da w6f9 h250\"><div class=\"t m0 x1ed h14f y6611 ff1 fs64 fc3 sc0 ls50 ws5b\">2024<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"c n xdde y67db w753 h24f\"><div class=\"t m0 x1ed h14f y6611 ff5 fs64 fc0 sc0 ls50 ws5b\">Carrying value<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td class=\"c n xddf y67db w537 h24f\"><div class=\"t m0 x1ed h14f y6611 ff5 fs64 fc0 sc0 ls50 ws5b\">Fair value<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td class=\"c n xde0 y67db w754 h250\"><div class=\"t m0 x1ed h14f y6611 ff1 fs64 fc3 sc0 ls50 ws0\">Carrying value<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td class=\"c n xde1 y67db w755 h250\"><div class=\"t m0 x1ed h14f y6611 ff1 fs64 fc3 sc0 ls50 ws0\">Fair value<span class=\"_ _3eb\"> </span></div></td><td></td></tr><tr><td></td><td></td><td class=\"t m0 xde2 h14f y67dc ff5 fs64 fc0 sc0 ls50 ws5b\">Stage 1 and </td><td></td><td></td><td class=\"t m0 xde3 h14f y67dc ff5 fs64 fc0 sc0 ls50 ws5b\">Stage 1 and </td><td></td><td></td><td class=\"t m0 xde4 h151 y67dc ff1 fs64 fc3 sc0 ls50 ws0\">Stage 1 and </td><td></td><td></td><td class=\"t m0 xde5 h151 y67dc ff1 fs64 fc3 sc0 ls50 ws0\">Stage 1 and </td><td></td></tr><tr><td></td><td class=\"t m0 xde6 h14f y67dd ff5 fs64 fc0 sc0 ls50 ws5b\">Stage 3<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xde7 h14f y67dd ff5 fs64 fc0 sc0 ls50 ws5b\">stage 2<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xd2c h14f y67dd ff5 fs64 fc0 sc0 ls50 ws5b\">Total<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xde8 h14f y67dd ff5 fs64 fc0 sc0 ls50 ws5b\">Stage 3<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xde9 h14f y67dd ff5 fs64 fc0 sc0 ls50 ws5b\">stage 2<span class=\"_ _3eb\"> </span></td><td></td><td class=\"t m0 x602 h151 y67dd ff1 fs64 fc3 sc0 ls50 ws0\">Stage 3<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xdea h151 y67dd ff1 fs64 fc3 sc0 ls50 ws0\">stage 2<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xdeb h151 y67dd ff1 fs64 fc3 sc0 ls50 ws5b\">Total<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xdec h151 y67dd ff1 fs64 fc3 sc0 ls50 ws0\">Stage 3<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x546 h151 y67dd ff1 fs64 fc3 sc0 ls50 ws0\">stage 2<span class=\"_ _3eb\"> </span></td><td></td></tr><tr><td></td><td class=\"t m0 xded h14f y67de ff5 fs64 fc0 sc0 ls50 ws5b\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xdee h14f y67de ff5 fs64 fc0 sc0 ls50 ws5b\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x53e h14f y67de ff5 fs64 fc0 sc0 ls50 ws5b\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x53f h14f y67de ff5 fs64 fc0 sc0 ls50 ws5b\">$million<span class=\"_ _3eb\"> </span></td><td class=\"c n xdef y67df w53d h24f\"><div class=\"t m0 x1ed h14f y6611 ff5 fs64 fc0 sc0 ls50 ws5b\">$million<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdf0 y67df w756 h24f\"><div class=\"t m0 x1ed h14f y6611 ff5 fs64 fc0 sc0 ls50 ws5b\">Total</div></td><td class=\"t m0 x542 h153 y67de ff4 fs64 fc3 sc0 ls50 ws5b\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x543 h153 y67de ff4 fs64 fc3 sc0 ls50 ws5b\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x544 h153 y67de ff4 fs64 fc3 sc0 ls50 ws5b\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x545 h153 y67de ff4 fs64 fc3 sc0 ls50 ws5b\">$million<span class=\"_ _3eb\"> </span></td><td class=\"c n xdf1 y67e1 w757 h251\"><div class=\"t m0 x1ed h153 y67e0 ff4 fs64 fc3 sc0 ls50 ws5b\">$million<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdf2 y67e1 w758 h250\"><div class=\"t m0 x1ed h153 y67e0 ff1 fs64 fc3 sc0 ls50 ws5b\">Total<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x221 hba y67e2 ff1 fs7 fc3 sc0 ls7 ws7\">Corporate </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m0 x221 hb y67e3 ff4 fs7 fc3 sc0 ls7 ws7\">&amp;<span class=\"_ gs1a2\"> </span>Investment </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y67e4 w759 h212\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws7\">Banking<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdf3 y67e4 w75a h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">1,987<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdf4 y67e4 w75b h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">140,193<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdf5 y67e4 w75c h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">142,180<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdf6 y67e4 w478 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">1,974<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdf7 y67e4 w75d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">140,463<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdf8 y67e4 w75e h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">142,437<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdf9 y67e4 w75f h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">1,298<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdfa y67e4 w760 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">137,006<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdfb y67e4 w761 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">138,304<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdfc y67e4 w762 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">1,174<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdfd y67e4 w763 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">137,234<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdfe y67e4 w764 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">138,408<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x221 hba y67e5 ff1 fs7 fc3 sc0 ls7 ws0\">Wealth &amp; </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y67e6 w765 h212\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws0\">Retail Banking<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdff y67e6 w766 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">877<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe00 y67e6 w767 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">126,100<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe01 y67e6 w768 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">126,977<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe02 y67e6 w769 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">875<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe03 y67e6 w76a h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">125,023<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe04 y67e6 w76b h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">125,898<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe05 y67e6 w76c h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">858<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe06 y67e6 w76d h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">118,390<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe07 y67e6 w76e h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">119,248<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe08 y67e6 w76c h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">858<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe09 y67e6 w76f h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">116,823<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe0a y67e6 w770 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">117,681<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y67e7 w771 h212\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws7\">Ventures<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe0b y67e7 w772 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">13<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe0c y67e7 w773 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">2,646<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe0d y67e7 w774 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">2,659<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe0e y67e7 w772 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">13<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe0f y67e7 w775 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">2,646<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe10 y67e7 w776 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">2,659<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe11 y67e7 w6f0 h212\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe12 y67e7 w777 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">1,388<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe13 y67e7 w6b9 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">1,389<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe14 y67e7 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe15 y67e7 w778 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">1,388<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe16 y67e7 w777 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">1,388<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x221 hba y67e8 ff1 fs7 fc3 sc0 ls7 ws0\">Central &amp; </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y67e9 w779 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">other<span class=\"_ gs1a2\"> </span>items<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe17 y67e9 w14e h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe18 y67e9 w77a h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">14,972<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe19 y67e9 w77a h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">14,972<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe1a y67e9 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe1b y67e9 w3b7 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">14,858<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe1c y67e9 w1e3 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">14,858<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe1d y67e9 w749 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">98<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe1e y67e9 w77b h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">21,993<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe1f y67e9 w77c h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">22,091<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe20 y67e9 w749 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">98<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe21 y67e9 w77b h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">21,993<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe22 y67e9 w77c h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">22,091<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y6567 w77d h252\"><div class=\"t m0 x1ed h13 y671e ff5 fs7 fc3 sc0 ls7 ws7\">Total as at<span class=\"_ _3eb\"> </span></div><div class=\"t m0 x1ed hb2 y65af ff5 fs7 fc3 sc0 ls7 ws7\">31 December<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe23 y6567 w77e h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">2,877<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe24 y6567 w77f h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">283,911<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe25 y6567 w2e5 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">286,788<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe26 y6567 w684 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">2,862<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe27 y6567 w780 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">282,990<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe28 y6567 w781 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">285,852<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe29 y6567 w782 h212\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws7\">2,255<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe2a y6567 w783 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">278,777<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe2b y6567 w705 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">281,032<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe2c y6567 w784 h212\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws7\">2,130<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe2d y6567 w785 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">277,438<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe2e y6567 w708 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">279,568<span class=\"_ _3eb\"> </span></div></td></tr></table>1 <span class=\"_ _b\"> </span><span class=\"ff4\">Loans and advances includes reverse repurchase agreements and other similar secured lending: carrying <span class=\"_ _7\"></span>value $8,242 million and fair value $8,243 million </span>(31 December 2024: $9,660 million and $9,660 million <span class=\"_ _7\"></span>respectively)<span class=\"_ _3eb\"> </span>Fair value of <span class=\"_ _7\"></span>financial instruments<span class=\"_ _3eb\"> </span>Level 3 <span class=\"_ _7\"></span>Summary and <span class=\"_ _7\"></span>significant unobservable <span class=\"_ _1b\"></span>inputs<span class=\"_ _3eb\"> </span>The following table presents the Group\u2019s <span class=\"_ _7\"></span>primary Level 3 financial instruments which are <span class=\"_ _7\"></span>held at fair value. The table <span class=\"_ _7\"></span>also presents the valuation techniques used to <span class=\"_ _7\"></span>measure the fair value of those financial <span class=\"_ _7\"></span>instruments, the significant unobservable inputs, the range of values for <span class=\"_ _7\"></span>those inputs and the weighted average of <span class=\"_ _7\"></span>those inputs:<span class=\"_ _3eb\"> </span><table class=\"s w786 h253\" id=\"_7eb67cf7-040c-4137-b0a3-df567cf7d2bb\"><tr><td></td><td></td><td class=\"t m0 x2cb h38 y67ea ff5 fs17 fc0 sc0 ls21 ws20\">Value as at<span class=\"ff2 ls0 ws0\"> </span></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"t m0 xe2f h38 y67eb ff5 fs17 fc0 sc0 ls21 ws20\" colspan=\"2\">31 December 2025<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"t m0 xe30 h38 y67ec ff5 fs17 fc0 sc0 ls21 ws20\">Assets<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xe31 h38 y67ec ff5 fs17 fc0 sc0 ls21 ws20\">Liabilities<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td class=\"t m0 xe32 h39 y67ec ff1 fs17 fc3 sc0 ls21 ws20\">Weighted<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"t m0 x235 h39 y67ed ff1 fs17 fc3 sc0 ls21 ws20\">Instrument<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xe33 h38 y67ed ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xe34 h38 y67ed ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"c n xe35 y67ee w787 h215\"><div class=\"t m0 x1ed h2c y65c7 ff4 fs17 fc3 sc0 ls21 ws20\">Principal valuation technique<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe36 y67ee w788 h215\"><div class=\"t m0 x1ed h2c y65c7 ff4 fs17 fc3 sc0 ls21 ws20\">Significant unobservable<span class=\"_ gs490\"> </span>inputs<span class=\"_ _3eb\"> </span></div></td><td class=\"c xe38 y67ee w789 h254\"><div class=\"t m0 x1ed h2c y65c7 ff1 fs17 fc3 sc0 ls21 ws20\">Range</div><div class=\"t m0 xe37 h3a y65c8 ff1 fs19 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c xe3a y67ef w78a h228\"><div class=\"t m0 x1ed h39 y65c3 ff1 fs17 fc3 sc0 ls21 ws20\">average</div><div class=\"t m0 xe39 h3a y664d ff1 fs19 fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x235 h3b y67f0 ff1 fs5 fc3 sc0 ls5 ws0\">Loans and advances </td><td class=\"c n xe3b y67f1 w397 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">299<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe3c y67f1 w2bc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe3d y67f1 w78b h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Discounted cash flows<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe3e y67f1 w78c h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">Price/yield<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe3f y67f1 w78d h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">4.4% \u2013 4.9%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe40 y67f1 w78e h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">4.6%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x235 h1a y67f2 ff4 fs5 fc3 sc0 ls5 ws5\">to<span class=\"_ gs1a1\"> </span>banks<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m0 x235 h3b y67f3 ff1 fs5 fc3 sc0 ls5 ws0\">Loans and advances </td><td class=\"c n xe41 y67f4 w78f h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">3,464<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe42 y67f4 w2bc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe43 y67f4 w78b h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Discounted cash flows<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe44 y67f4 w78c h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">Price/yield<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe45 y67f4 w790 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">2.1% \u2013 61.3%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe46 y67f4 w791 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">8.9%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y67f5 w792 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">to<span class=\"_ gs1a1\"> </span>customers</div><div class=\"t m0 xe47 h3c y660d ff1 fs1b fc3 sc0 ls0 ws0\">3<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td></td><td class=\"c n xe48 y67f6 w793 h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Recovery rate<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe49 y67f6 w794 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">99.98% \u2013 99.99%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe4a y67f6 w795 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">99.99%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td></td><td></td><td class=\"c n xe35 y67f7 w348 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Comparable pricing/yield<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe4b y67f7 w796 h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">Price<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe4c y67f7 w797 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">29.4% \u2013 100%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe4d y67f7 w798 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">93.2%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x235 h3b y67f8 ff1 fs5 fc3 sc0 ls5 ws0\">Reverse repurchase </td><td class=\"c n xe41 y67f9 w799 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">3,684<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe4e y67f9 w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe4f y67f9 w78b h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Discounted cash flows<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe50 y67f9 w79a h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Repo curve<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe51 y67f9 w79b h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">0.7% \u2013 8.1%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe52 y67f9 w79c h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">5.4%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x235 h1a y67fa ff4 fs5 fc3 sc0 ls5 ws5\">agreements and other similar </td><td></td><td></td><td></td><td class=\"c n xe48 y67fb w78c h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Price/yield<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe3f y67fb w79d h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">4.1% \u2013 25.1%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe53 y67fb w32d h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">9.6%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x235 h3b y67fc ff1 fs5 fc3 sc0 ls5 ws0\">secured lending<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m0 x235 h1a y67fd ff4 fs5 fc3 sc0 ls5 ws5\">Debt securities, alternative </td><td class=\"c n xe54 y67fe w79e h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">3,324<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe55 y67fe w2bc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe56 y67fe w78b h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Discounted cash flows<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe57 y67fe w78c h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">Price/yield<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe58 y67fe w79f h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">2.6% \u2013 53.8%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe59 y67fe w542 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">7.7%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x235 h1a y67ff ff4 fs5 fc3 sc0 ls5 ws5\">tier one and other eligible </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m0 x235 h1a y6800 ff4 fs5 fc3 sc0 ls5 ws5\">securities<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m0 x235 h3b y6801 ff1 fs5 fc3 sc0 ls5 ws0\">Equity shares (includes </td><td class=\"c n xe5a y6802 w7a0 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">1,477<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe5b y6802 w2bc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c xe5d y6802 w7a1 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">Comparable pricing/yield</div><div class=\"t m0 xe5c h3c y6803 ff1 fs1b fc3 sc0 ls0 ws0\">4<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe48 y6804 w796 h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">Price<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe5e y6804 w3cc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">N/A<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe5f y6804 w7a2 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">N/A<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x235 h1a y6805 ff4 fs5 fc3 sc0 ls5 ws5\">private equity investments)<span class=\"_ _3eb\"> </span></td><td></td><td></td><td class=\"c n xe35 y6806 w78b h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Discounted cash flows<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe60 y6806 w7a3 h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Discount rates<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe61 y6806 w7a4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">8.2% \u2013 25.9%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe62 y6806 w5ce h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">10.5%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td></td><td></td><td class=\"c n xe35 y6807 w7a5 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Option pricing model<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe63 y6807 w7a6 h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Equity value based on<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe64 y6807 w7a7 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">5.4x \u2013 23.0x<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe65 y6807 w7a8 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">11.54x<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"t m0 x670 h1a y6808 ff4 fs5 fc3 sc0 ls5 ws5\">EV/Revenue multiples<span class=\"_ _3eb\"> </span></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"t m0 x670 h3b y6809 ff1 fs5 fc3 sc0 ls5 ws0\">Equity value based on </td><td class=\"c n x7e0 y680a w7a9 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">3.2x \u2013 3.2x<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe66 y680a w7aa h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">3.2x<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"t m0 x670 h1a y680b ff4 fs5 fc3 sc0 ls5 ws5\">EV/EBITDA multiples<span class=\"_ _3eb\"> </span></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"t m0 x670 h3b y680c ff1 fs5 fc3 sc0 ls5 ws0\">Equity value based on </td><td class=\"c n x392 y680d w7ab h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">40.0% \u2013 40.0%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe67 y680d w7ac h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">40.0%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"t m0 x670 h1a y680e ff4 fs5 fc3 sc0 ls5 ws5\">volatility<span class=\"_ _3eb\"> </span></td><td></td><td></td></tr><tr><td class=\"t m0 x235 h1a y680f ff4 fs5 fc3 sc0 ls5 ws5\">Derivative financial </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m0 x235 h1a y6810 ff4 fs5 fc3 sc0 ls5 ws5\">instruments of which:<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x236 y6811 w7ad h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Foreign exchange<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe68 y6811 w3a6 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">35<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe69 y6811 w74 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">21<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe6a y6811 w7a5 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">Option pricing model<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe6b y6811 w7ae h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Foreign exchange option<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe6c y6812 w7af h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">0.4% \u2013 44.6%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe6d y6812 w612 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">33.0%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"t m0 x670 h1a y6813 ff4 fs5 fc3 sc0 ls5 ws5\">implied volatility<span class=\"_ _3eb\"> </span></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td class=\"c n xe35 y6814 w78b h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Discounted cash flows<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe60 y6814 w7b0 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Interest rate curves<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe6e y6814 w7b1 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">0.3% \u2013 36.0%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe6f y6814 w7b2 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">14.3%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"c n xe48 y6815 w7b3 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Foreign exchange curves<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe70 y6815 w7b4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">1.3% \u2013 3.9%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe71 y6815 w7b5 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">1.7%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x236 y6816 w463 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">Commodity<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe72 y6816 w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe73 y6816 w2f1 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe74 y6816 w7b6 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Discounted cash flows<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe75 y6816 w7b7 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Commodity prices<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe76 y6816 w7b8 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">$0.2 \u2013 $341.2<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe77 y6816 w579 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">$62.4<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td></td><td></td><td class=\"c n xe35 y6817 w7b9 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Internal pricing model<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe78 y6817 w7ba h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">CM-CM correlation<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe79 y6817 w7bb h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">59.7% \u2013 97.4%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe7a y6817 w7bc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">78.6%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x236 y65e8 w7bd h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Interest rate<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe7b y65e8 w7be h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">46<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe7c y65e8 wac h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">22<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe7d y65e8 w78b h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Discounted cash flows<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe7e y65e8 w7b0 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Interest rate curves<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe7f y65e8 w7bf h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">3.5% \u2013 36.0%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe80 y65e8 w7c0 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">9.8%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x236 y65e9 w7c1 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">Credit<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe81 y65e9 w91 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">5<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe82 y65e9 w1e9 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">128<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe83 y65e9 w78b h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Discounted cash flows<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe84 y65e9 w7c2 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Credit spreads<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe85 y65e9 w7c3 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">0.9% \u2013 1.0%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe86 y65e9 w7c4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">0.9%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"c n xe48 y6818 w78c h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Price/yield<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe87 y6818 w7c5 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">2.7% \u2013 25.1%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe88 y6818 w7c6 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">7.3%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td></td><td></td><td class=\"c n xe35 y6819 w7b9 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Internal pricing model<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe78 y6819 w7c7 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Bond option implied<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe89 y6819 w7c8 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">5.0% \u2013 13.0%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe8a y6819 w7c9 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">10.8%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"t m0 x670 h1a y681a ff4 fs5 fc3 sc0 ls5 ws5\">volatility<span class=\"_ _3eb\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x236 y681b w7ca h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Equity and stock index<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe8b y681b w47b h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">4<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe8c y681b w4b2 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">54<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe8d y681b w7b9 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">Internal pricing model<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe8e y681b w7cb h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Equity-Equity correlation<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe8f y681b w7cc h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">50.8% \u2013 100%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe90 y681b w7cd h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">77.6%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"c n xe48 y681c w7ce h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Equity-FX correlation<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe91 y681c w7cf h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(26.9)% \u2013 46.8%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe92 y681c w7d0 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">6.7%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y681d wf2 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Deposits by banks<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe93 y681d w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe94 y681d w397 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">269<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe95 y681d w78b h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Discounted cash flows<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe96 y681d w7d1 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">Price/Yield<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe97 y681d w7d2 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">4.3% \u2013 6.1%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe98 y681d w7d3 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">5.7%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y681e wf5 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Customer accounts<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe99 y681e w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe9a y681e w7d4 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">3,478<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe9b y681e w7b9 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">Internal pricing model<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe9c y681e w7cb h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Equity-Equity correlation<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe9d y681e w7cc h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">50.8% \u2013 100%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe9e y681e w7cd h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">77.6%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"c n xe48 y681f w7ce h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Equity-FX correlation<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe91 y681f w7cf h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(26.9)% \u2013 46.8%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe92 y681f w7d0 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">6.7%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"c n xe48 y6820 w78c h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Price/yield<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe9f y6820 w7d5 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">2.6% \u2013 20.8%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xea0 y6820 wb3 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">8.7%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y65f3 w101 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">Debt securities in issue<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xea1 y65f3 w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xea2 y65f3 w317 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">1,084<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xea3 y65f3 w78b h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Discounted cash flows<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xea4 y65f3 w78c h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">Price/yield<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xea5 y65f3 w7d6 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">7.4% \u2013 19.0%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x21b y65f3 w7d7 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">17.1%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"c n xe48 y6821 w7b0 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Interest rate curves<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xea6 y6821 w7d8 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">3.6% \u2013 36.0%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xea7 y6821 w1bb h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">15.1%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td></td><td></td><td class=\"c n xe35 y6822 w7b9 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Internal pricing model<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe78 y6822 w7cb h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Equity-Equity correlation<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xea8 y6822 w7cc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">50.8% \u2013 100%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xea9 y6822 w7cd h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">77.6%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"c n xe48 y6823 w7ce h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Equity-FX correlation<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe91 y6823 w7cf h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(26.9)% \u2013 46.8%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe92 y6823 w7d0 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">6.7%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td></td><td></td><td class=\"c n xe35 y6824 w7a5 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Option pricing model<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe63 y6824 w7c7 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Bond option implied<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe89 y6824 w7c8 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">5.0% \u2013 13.0%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe8a y6824 w7c9 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">10.8%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"t m0 x670 h1a y6825 ff4 fs5 fc3 sc0 ls5 ws5\">volatility<span class=\"_ _3eb\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x1ee y6826 w5b5 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">Short positions<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xeaa y6826 w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xeab y6826 w7d9 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">76<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xeac y6826 w78b h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Discounted cash flows<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xead y6826 w78c h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">Price/yield<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xeae y6826 w7da h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">7.13% \u2013 7.13%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xeaf y6826 w7db h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">7.1%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6567 w49a h203\"><div class=\"t m0 x1ed h3d y655f ff5 fs5 fc3 sc0 ls5 ws5\">Total<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xeb0 y6567 w7dc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">12,338<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xeb1 y6567 w7dd h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">5,133<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td></td><td></td></tr></table>1 <span class=\"_ _b\"> </span><span class=\"ff4\">The ranges of values shown in the above table represent the highest and <span class=\"_ _7\"></span>lowest levels used in the valuation of the <span class=\"_ _7\"></span>Group\u2019s Level 3 financial instruments as at </span>31 December 2025. The ranges of values used <span class=\"_ _7\"></span>are reflective of the underlying characteristics of these <span class=\"_ _7\"></span>Level 3 financial instruments based on the market <span class=\"_ _7\"></span>conditions at<span class=\"_ gs1a2\"> </span>the balance sheet date. <span class=\"_ _7\"></span>However, these ranges of <span class=\"_ _7\"></span>values may not represent <span class=\"_ _7\"></span>the uncertainty in <span class=\"_ _7\"></span>fair value measurements of <span class=\"_ _7\"></span>the Group\u2019s Level 3 <span class=\"_ _7\"></span>financial instruments.<span class=\"_ _3eb\"> </span>2 <span class=\"_ _f\"> </span><span class=\"ff4\">Weighted average for non-derivative financial instruments has been calculated by weighting <span class=\"_ _7\"></span>inputs by the relative fair value. <span class=\"_ _7\"></span>Weighted average for derivatives has </span>been provided by weighting inputs by the risk <span class=\"_ _7\"></span>relevant to that variable. N/A has been entered <span class=\"_ _7\"></span>for the cases where weighted average is not <span class=\"_ _7\"></span>a meaningful indicator.<span class=\"_ _3eb\"> </span>3 <span class=\"_ _f\"> </span><span class=\"ff4\">The inputs for Loans and advances to customers under Discounted Cash flow technique <span class=\"_ _7\"></span>have been split to show as a separate <span class=\"_ _7\"></span>line under Comparable pricing/yield </span>for better representation of material inputs.<span class=\"_ _3eb\"> </span>4 <span class=\"_ _e\"> </span><span class=\"ff4\">The inputs for equity shares under Comparable pricing/yield technique have been consolidated <span class=\"_ _7\"></span>under \u2018Price\u2019 as they are not individually material.<span class=\"_ _3eb\"> </span></span><table class=\"s w7de h255\" id=\"_ab9c0f7e-fe1d-4823-a74e-866441c836b3\"><tr><td></td><td></td><td class=\"t m0 xeb2 h39 y6827 ff1 fs17 fc3 sc0 ls21 ws0\">Value as at<span class=\"ls0\"> </span></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"t m0 xeb3 h39 y6828 ff1 fs17 fc3 sc0 ls21 ws0\" colspan=\"2\">31 December 2024<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"t m0 xeb4 h39 y6829 ff1 fs17 fc3 sc0 ls21 ws20\">Assets<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xeb5 h2c y6829 ff4 fs17 fc3 sc0 ls21 ws20\">Liabilities<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td class=\"t m0 xeb6 h39 y6829 ff1 fs17 fc3 sc0 ls21 ws20\">Weighted<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"t m0 x221 h39 y682a ff1 fs17 fc3 sc0 ls21 ws20\">Instrument<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xeb3 h2c y682a ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xeb7 h2c y682a ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"c n xeb8 y682b w787 h215\"><div class=\"t m0 x1ed h2c y65c7 ff4 fs17 fc3 sc0 ls21 ws20\">Principal valuation technique<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xeb9 y682b w788 h215\"><div class=\"t m0 x1ed h2c y65c7 ff4 fs17 fc3 sc0 ls21 ws20\">Significant unobservable<span class=\"_ gs490\"> </span>inputs<span class=\"_ _3eb\"> </span></div></td><td class=\"c xebb y682b w7df h256\"><div class=\"t m0 x1ed h2c y65c7 ff1 fs17 fc3 sc0 ls21 ws20\">Range</div><div class=\"t m0 xeba h3a y65c8 ff1 fs19 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c xebd y682c w7e0 h257\"><div class=\"t m0 x1ed h39 y65c3 ff1 fs17 fc3 sc0 ls21 ws20\">average</div><div class=\"t m0 xebc h3a y664d ff1 fs19 fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x221 h3b y682d ff1 fs5 fc3 sc0 ls5 ws0\">Loans and advances </td><td class=\"c n xebe y682e w335 h1ff\"><div class=\"t m0 x1ed h1a y6640 ff4 fs5 fc3 sc0 ls5 ws5\">1,937<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xebf y682e w2bc h1ff\"><div class=\"t m0 x1ed h1a y6640 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xec0 y682e w78b h1fe\"><div class=\"t m0 x1ed h1a y6640 ff1 fs5 fc3 sc0 ls5 ws0\">Discounted cash flows<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xec1 y682e w78c h1ff\"><div class=\"t m0 x1ed h1a y6640 ff4 fs5 fc3 sc0 ls5 ws5\">Price/yield<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xec2 y682e w7e1 h1ff\"><div class=\"t m0 x1ed h1a y6640 ff4 fs5 fc3 sc0 ls5 ws5\">1.0% \u2013 26.1%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xec3 y682e w542 h1ff\"><div class=\"t m0 x1ed h1a y6640 ff4 fs5 fc3 sc0 ls5 ws5\">7.7%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y6830 w7e2 h1ff\"><div class=\"t m0 x1ed h1a y6640 ff4 fs5 fc3 sc0 ls5 ws5\">to<span class=\"_ gs1a1\"> </span>customers</div><div class=\"t m0 xec4 h3c y682f ff1 fs1b fc3 sc0 ls0 ws0\">3<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td></td><td class=\"c n xec5 y6831 w793 h1fe\"><div class=\"t m0 x1ed h1a y6640 ff1 fs5 fc3 sc0 ls5 ws0\">Recovery rate<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xec6 y6831 w7e3 h1ff\"><div class=\"t m0 x1ed h1a y6640 ff4 fs5 fc3 sc0 ls5 ws5\">93.2% \u2013 95.6%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xec7 y6831 w7e4 h1ff\"><div class=\"t m0 x1ed h1a y6640 ff4 fs5 fc3 sc0 ls5 ws5\">95.1%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td></td><td></td><td class=\"c n xeb8 y6832 w348 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Comparable pricing/yield<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xec8 y6832 w796 h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">Price<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xec9 y6832 w7e5 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">1.2% \u2013 100%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xeca y6832 w7e6 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">89.9%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x221 h3b y6833 ff1 fs5 fc3 sc0 ls5 ws0\">Reverse repurchase </td><td class=\"c n xecb y6834 w7e7 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">3,239<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xecc y6834 w2bc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xecd y6834 w78b h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Discounted cash flows<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xece y6834 w7e8 h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Repo curve<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xecf y6834 w7e9 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">2.0% \u2013 7.6%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xed0 y6834 w1d8 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">6.2%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y6835 w7ea h247\"><div class=\"t m0 x1ed h3b y65dd ff1 fs5 fc3 sc0 ls5 ws0\">agreements and other<span class=\"_ _3eb\"> </span></div><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">similar<span class=\"_ gs1a1\"> </span>secured lending<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td></td><td class=\"c n xec5 y6836 w78c h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Price/yield<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xed1 y6836 w7eb h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">2.3% \u2013 10.5%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xed2 y6836 w7ec h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">6.4%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x221 h1a y6837 ff4 fs5 fc3 sc0 ls5 ws5\">Debt securities, alternative </td><td class=\"c n xed3 y6838 w654 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">1,584<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xed4 y6838 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xed5 y6838 w78b h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Discounted cash flows<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xed6 y6838 w7ed h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Price/yield<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xed7 y6838 w7ee h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">0.7% \u2013 15.3%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xed8 y6838 w32d h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">6.9%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x221 h1a y6839 ff4 fs5 fc3 sc0 ls5 ws5\">tier one and other eligible </td><td></td><td></td><td></td><td class=\"c n xec5 y683a w793 h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Recovery rate<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xed9 y683a w7ef h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">0.01% \u2013 16.3%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xeda y683a w460 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">9.2%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x221 h1a y683b ff4 fs5 fc3 sc0 ls5 ws5\">securities<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1ee y683c w7f0 h258\"><div class=\"t m0 x1ed h3b y6751 ff1 fs5 fc3 sc0 ls5 ws0\">Government bonds and<span class=\"_ _3eb\"> </span></div><div class=\"t m0 x1ed h3b y6600 ff1 fs5 fc3 sc0 ls5 ws0\">treasury bills<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xedb y683d w7f1 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">9<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xedc y683d w2bc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xedd y683d w78b h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Discounted cash flows<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xede y683d w78c h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Price/yield<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xedf y683d w7f2 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">23.5% \u2013 23.5%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xee0 y683d w7f3 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">23.5%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x221 h3b y683e ff1 fs5 fc3 sc0 ls5 ws0\">Equity shares (includes </td><td class=\"c n xee1 y683f w7f4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">1,156<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xee2 y683f w2bc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c xee4 y683f w7f5 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Comparable pricing/yield</div><div class=\"t m0 xee3 h3c y660d ff1 fs1b fc3 sc0 ls0 ws0\">4<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xec5 y683f w7f6 h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">Price<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xee5 y683f w3cc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">N/A<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xee6 y683f w7a2 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">N/A<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x221 h1a y6840 ff4 fs5 fc3 sc0 ls5 ws5\">private equity investments)<span class=\"_ _3eb\"> </span></td><td></td><td></td><td class=\"c n xeb8 y6841 w78b h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Discounted cash flows<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xee7 y6841 w7a3 h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Discount rates<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xee8 y6841 w7f7 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">8.3% \u2013 20.4%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xee9 y6841 w147 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">10.1%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td></td><td></td><td class=\"c n xeb8 y6842 w7a5 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Option pricing model<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xeea y6842 w7a6 h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Equity value based on<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xeeb y6842 w7f8 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">5.7x \u2013 23.6x<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xeec y6842 w7f9 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">16.2x<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"t m0 x9cb h1a y6843 ff4 fs5 fc3 sc0 ls5 ws5\">EV/Revenue multiples<span class=\"_ _3eb\"> </span></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"t m0 x9cb h3b y6844 ff1 fs5 fc3 sc0 ls5 ws0\">Equity value based on </td><td class=\"c n xeeb y6845 w7fa h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">10.1x \u2013 10.1x<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xeed y6845 w85 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">10.1x<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"t m0 x9cb h1a y6846 ff4 fs5 fc3 sc0 ls5 ws5\">EV/EBITDA multiples<span class=\"_ _3eb\"> </span></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"t m0 x9cb h3b y6847 ff1 fs5 fc3 sc0 ls5 ws0\">Equity value based on </td><td class=\"c n xeee y6848 w7fb h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">30.2% \u2013 50.0%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xeef y6848 w7fc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">30.5%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"t m0 x9cb h1a y6849 ff4 fs5 fc3 sc0 ls5 ws5\">volatility<span class=\"_ _3eb\"> </span></td><td></td><td></td></tr><tr><td class=\"t m0 x221 h1a y684a ff4 fs5 fc3 sc0 ls5 ws5\">Derivative financial </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m0 x221 h1a y684b ff4 fs5 fc3 sc0 ls5 ws5\">instruments of which:<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x40b y684c w7ad h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Foreign exchange<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xef0 y684c w7fd h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">37<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xef1 y684c w7fe h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">8<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xef2 y684c w7ff h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Option pricing <span class=\"_ _7\"></span>model<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xef3 y684c w800 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Foreign exchange option<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xef4 y684c w801 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">10.2% \u2013 46.2%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xef5 y684c w802 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">42.0%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"t m0 x9cb h1a y684d ff4 fs5 fc3 sc0 ls5 ws5\">implied volatility<span class=\"_ _3eb\"> </span></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"c n xec5 y684e w7b0 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Interest rate curves<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xef6 y684e w803 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">3.5% \u2013 9.0%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xef7 y684e w804 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">4.2%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"c n xec5 y684f w7b3 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Foreign exchange curves<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xef8 y684f w805 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(0.03)% \u2013 34.3%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xef9 y684f w806 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">6.1%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x40b y6850 w463 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">Commodity<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xefa y6850 w2bc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xefb y6850 w41a h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xefc y6850 w78b h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Discounted cash flows<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xefd y6850 w807 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Commodity prices<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xefe y6850 w808 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">$383.0 \u2013 <span class=\"_ _7\"></span>$391.0<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xeff y6850 w809 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">$387.0<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"c n xec5 y6851 w7ba h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">CM-CM correlation<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf00 y6851 w80a h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">73.7% \u2013 97.9%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf01 y6851 w80b h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">86.0%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x40b y6852 w7bd h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Interest rate<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf02 y6852 w80c h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">80<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf03 y6852 wa2 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">23<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf04 y6852 w78b h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Discounted cash flows<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf05 y6852 w80d h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Interest rate curves<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf06 y6852 w80e h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">3.5% \u2013 43.9%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf07 y6852 w80f h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">5.1%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td></td><td></td><td class=\"c n xeb8 y6853 w7a5 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Option pricing model<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xeea y6853 w7c7 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Bond option implied<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf08 y6853 w810 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">2.3% \u2013 4.7%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf09 y6853 w811 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">3.5%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"t m0 x9cb h1a y6854 ff4 fs5 fc3 sc0 ls5 ws5\">volatility<span class=\"_ _3eb\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x40b y6855 w7c1 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">Credit<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf0a y6855 wa8 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">9<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf0b y6855 w421 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">189<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf0c y6855 w78b h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Discounted cash flows<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf0d y6855 w812 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Credit spreads<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf0e y6855 w813 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">0.1% \u2013 1.9%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf0f y6855 w539 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">0.9%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"c n xec5 y6856 w78c h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Price/yield<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf10 y6856 w814 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">4.8% \u2013 6.6%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf11 y6856 w604 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">5.5%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x40b y6857 w7ca h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Equity and stock index<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf12 y6857 w4da h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf13 y6857 w815 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">37<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf14 y6857 w816 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Internal pricing model<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf15 y6857 w7cb h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Equity-Equity correlation<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf16 y6857 w817 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">44.9% \u2013 100%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf17 y6857 wc4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">80.0%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"c n xec5 y6858 w7ce h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Equity-FX correlation<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf18 y6858 w818 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(36.4)% \u2013 48.9%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf19 y6858 w819 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">5.0%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6859 wf2 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Deposits by banks<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe93 y6859 w2bc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf1a y6859 w81a h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">371<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf1b y6859 w78b h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Discounted cash flows<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf1c y6859 w81b h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Credit spreads<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf1d y6859 w81c h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">0.2% \u2013 3.5%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf1e y6859 w81d h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">1.5%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y685a wf5 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Customer accounts<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe99 y685a w2bc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf1f y685a w598 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">2,714<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xea3 y685a w816 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Internal pricing model<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf20 y685a w7cb h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Equity-Equity correlation<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf21 y685a w81e h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">44.9% \u2013 100%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x265 y685a wc4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">80.0%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"c n xec5 y685b w7ce h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Equity-FX correlation<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf18 y685b w818 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(36.4)% \u2013 48.9%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf19 y685b w819 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">5.0%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td></td><td></td><td class=\"c n xeb8 y685c w78b h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Discounted cash flows<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xee7 y685c w7b0 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Interest rate curves<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf22 y685c w81f h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">1.4% \u2013 4.4%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf23 y685c w820 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">4.0%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"c n xec5 y685d w78c h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Price/yield<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf24 y685d w821 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">0.7% \u2013 13.0%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf25 y685d w822 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">8.5%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y685e w101 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Debt securities in issue<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xea1 y685e w2bc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf26 y685e w823 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">1,414<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf27 y685e w78b h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Discounted cash flows<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf28 y685e w812 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Credit spreads<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf29 y685e w824 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">0.05% \u2013 2.0%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf2a y685e w1bb h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">0.8%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"c n xec5 y685f w78c h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Price/yield<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xed1 y685f w825 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">6.2% \u2013 14.8%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf2b y685f w826 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">12.7%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"c n xec5 y6860 w7b0 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Interest rate curves<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf2c y6860 w827 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">3.5% \u2013 4.4%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf2d y6860 w19d h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">4.1%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td></td><td></td><td class=\"c n xeb8 y6861 w7b9 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Internal pricing model<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf2e y6861 w7cb h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Equity-Equity correlation<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf2f y6861 w817 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">44.9% \u2013 100%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf30 y6861 wc4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">80.0%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"c n xec5 y6862 w7ce h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Equity-FX correlation<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf18 y6862 w818 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(36.4)% \u2013 48.9%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf19 y6862 w819 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">5.0%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td></td><td></td><td class=\"c n xeb8 y6863 w7a5 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Option pricing model<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xeea y6863 w7c7 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Bond option implied<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xeeb y6863 w828 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">4.0% \u2013 15%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf31 y6863 w829 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">12.5%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"t m0 x9cb h1a y6864 ff4 fs5 fc3 sc0 ls5 ws5\">volatility<span class=\"_ _3eb\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x1ee y6865 w82a h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Short position<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf32 y6865 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf33 y6865 w82b h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">180<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf34 y6865 w78b h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Discounted cash flows<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf35 y6865 w7ed h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Price/yield<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf36 y6865 w82c h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">5.9% \u2013 12.7%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf37 y6865 w60e h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">6.3%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6866 w49a h203\"><div class=\"t m0 x1ed h1a y65de ff5 fs5 fc3 sc0 ls5 ws5\">Total<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf38 y6866 w82d h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">8,053<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf39 y6866 w82e h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">4,937<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td></td><td></td></tr></table>1 <span class=\"_ _b\"> </span><span class=\"ff4\">The ranges of values shown in the above table represent the highest and <span class=\"_ _7\"></span>lowest levels used in the valuation of the <span class=\"_ _7\"></span>Group\u2019s Level 3 financial instruments as at </span>31 December 2024. The ranges of values used <span class=\"_ _7\"></span>are reflective of the underlying characteristics of these <span class=\"_ _7\"></span>Level 3 financial instruments based on the market <span class=\"_ _7\"></span>conditions at the balance sheet <span class=\"_ _7\"></span>date. However, these ranges <span class=\"_ _7\"></span>of values may not <span class=\"_ _7\"></span>represent the uncertainty <span class=\"_ _7\"></span>in fair value measurements <span class=\"_ _7\"></span>of the Group\u2019s Level <span class=\"_ _7\"></span>3 financial instruments.<span class=\"_ _3eb\"> </span>2 <span class=\"_ _f\"> </span><span class=\"ff4\">Weighted average for non-derivative financial instruments has been calculated by weighting <span class=\"_ _7\"></span>inputs by the relative fair value. <span class=\"_ _7\"></span>Weighted average for derivatives has </span>been provided by weighting inputs by the risk <span class=\"_ _7\"></span>relevant to that variable. N/A has been entered <span class=\"_ _7\"></span>for the cases where weighted average is not <span class=\"_ _7\"></span>a meaningful indicator.<span class=\"_ _3eb\"> </span>3 <span class=\"_ _f\"> </span><span class=\"ff4\">The inputs for Loans and advances to customers under Discounted Cash flow technique <span class=\"_ _7\"></span>have been split to show as a separate <span class=\"_ _7\"></span>line under Comparable pricing/yield </span>for better representation of material inputs.<span class=\"_ _3eb\"> </span>4 <span class=\"_ _e\"> </span><span class=\"ff4\">The inputs for equity shares under Comparable pricing/yield technique have been consolidated <span class=\"_ _7\"></span>under \u2018Price\u2019 as they are not individually material.<span class=\"_ _3eb\"> </span></span>The following section describes the significant <span class=\"_ _7\"></span>unobservable inputs identified in the valuation technique <span class=\"_ _7\"></span>table: <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff6 ls2\">Comparable price/yield<span class=\"ff1\"> is a valuation methodology in which the price of a comparable instrument is used to estimate the<span class=\"_ _11\"></span> </span></span>fair value where there are no <span class=\"_ _7\"></span>direct observable prices. Yield is the interest <span class=\"_ _7\"></span>rate that is used to discount <span class=\"_ _7\"></span>the future cash flows in<span class=\"_ gs36\"> </span>a discounted cash flow model. Valuation <span class=\"_ _7\"></span>using comparable instruments can be done by <span class=\"_ _7\"></span>calculating an implied yield (or<span class=\"_ gs36\"> </span>spread over a liquid benchmark) from <span class=\"_ _7\"></span>the price of a comparable instrument, then <span class=\"_ _7\"></span>adjusting that yield (or spread) to derive a value for the instrument. <span class=\"_ _7\"></span>The adjustment should account for relevant differences <span class=\"_ _7\"></span>in the financial instruments such as<span class=\"_ gs36\"> </span>maturity and/or credit quality. Alternatively, a <span class=\"_ _7\"></span>price-to-price basis can be assumed between the <span class=\"_ _7\"></span>comparable instrument and the instrument being valued in <span class=\"_ _7\"></span>order to establish the value of the <span class=\"_ _7\"></span>instrument (for example, deriving a fair <span class=\"_ _7\"></span>value for a junior unsecured bond from the price <span class=\"_ _7\"></span>of a senior secured bond). An increase <span class=\"_ _7\"></span>in price, in isolation, would result <span class=\"_ _7\"></span>in a favourable movement in the fair value of <span class=\"_ _7\"></span>the asset. An increase in yield, in <span class=\"_ _7\"></span>isolation, would result in an unfavourable <span class=\"_ _7\"></span>movement in the fair<span class=\"_ gs36\"> </span>value of the asset <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff6 ls2 ws1\">Correlation<span class=\"ff4\"> is the measure of how movement in one variable influences the <span class=\"_ _7\"></span>movement in another variable. An equity </span></span>correlation is the correlation between two equity instruments, an interest rate correlation refers to the correlation between two swap rates, while commodity correlation is correlation between two commodity underlying prices <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff6 ls2\">Commodity price<span class=\"ff4 ws1\"> curves is the term structure for forward rates over a specified <span class=\"_ _7\"></span>period</span></span> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff6 ls2\">Credit spread<span class=\"ff4 ws1\"> represents the additional yield that a market participant would demand for <span class=\"_ _7\"></span>taking exposure to the Credit Risk </span></span>of an instrument <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff6 ls2\">Discount rate<span class=\"ff1\"> refers to the rate of return used to convert expected cash flows into present value<span class=\"_ _11\"></span> </span></span> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff6 ls2\">Equity-FX correlation<span class=\"ff1\"> is the correlation between equity instrument and foreign exchange instrument</span></span> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff6 ls2\">EV/EBITDA multiple<span class=\"ff4 ws1\"> is the ratio of Enterprise Value (EV) to Earnings Before Interest, <span class=\"_ _7\"></span>Taxes, Depreciation and Amortisation </span></span>(EBITDA). EV is the aggregate market <span class=\"_ _7\"></span>capitalisation and debt minus the cash and <span class=\"_ _7\"></span>cash equivalents. An increase in EV/<span class=\"_ _3eb\"> </span>EBITDA multiple will result in a favourable movement in the fair value of the unlisted firm <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff6 ls2\">EV/Revenue multiple<span class=\"ff4 ws1\"> is the ratio of Enterprise Value (EV) to Revenue. An increase <span class=\"_ _7\"></span>in EV/Revenue multiple will result in <span class=\"_ _7\"></span>a </span></span>favourable movement in the fair value of the unlisted firm <span class=\"_ _190\"></span>\u2022<span class=\"_ _71\"> </span><span class=\"ff6 ls1b\">Foreign exchange curves<span class=\"ff4 ws1a\"> is the <span class=\"_ _7\"></span>term structure for forward <span class=\"_ _1b\"></span>rates and swap rates between currency <span class=\"_ _7\"></span>pairs over a <span class=\"_ _7\"></span>specified period</span></span> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff6 ls2\">Interest rate curves<span class=\"ff1\"> is the term structure of interest rates and measures of future interest rates at a particular point in time</span></span> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff6 ls2\">Recovery rates<span class=\"ff4 ws1\"> is the expectation of the rate of return resulting from the <span class=\"_ _7\"></span>liquidation of a particular loan. As <span class=\"_ _7\"></span>the probability </span></span>of<span class=\"_ gs36\"> </span>default increases for a given instrument, <span class=\"_ _7\"></span>the valuation of that instrument will increasingly <span class=\"_ _7\"></span>reflect its expected recovery level assuming default. <span class=\"_ _1b\"></span>An increase in <span class=\"_ _7\"></span>the recovery <span class=\"_ _1b\"></span>rate, in isolation, <span class=\"_ _7\"></span>would result <span class=\"_ _1b\"></span>in a favourable <span class=\"_ _7\"></span>movement in <span class=\"_ _1b\"></span>the fair value <span class=\"_ _7\"></span>of the <span class=\"_ _1b\"></span>loan <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff6 ls2\">Repo curve<span class=\"ff1\"> is the term structure of repo rates on repos and reverse repos at a particular point in time</span></span> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff7 ls2 ws1\">Volatility<span class=\"ff4\"> represents an estimate of how much a particular instrument, parameter or <span class=\"_ _7\"></span>index will change in value over <span class=\"_ _7\"></span>time. </span></span>Generally, the higher the volatility, the <span class=\"_ _7\"></span>more expensive the option will be.<span class=\"_ _3eb\"> </span>Level 3 movement <span class=\"_ _7\"></span>tables \u2013 <span class=\"_ _7\"></span>financial assets<span class=\"_ _3eb\"> </span>The table below analyses movements in <span class=\"_ _7\"></span>Level 3 financial assets carried at fair <span class=\"_ _7\"></span>value.<span class=\"_ _3eb\"> </span><table class=\"s w82f h259\" id=\"_a487b798-4ce3-4f43-b5d7-ec79330e14b1\"><tr><td></td><td></td><td></td><td></td><td class=\"c n xf3a y6867 w830 h21e\"><div class=\"t m0 x1ed h14f y6611 ff5 fs64 fc0 sc0 ls50 ws5b\">Held at fair value through profit or loss<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td></td><td></td><td class=\"c n xf3b y6867 w831 h21e\"><div class=\"t m0 x1ed h14f y6611 ff5 fs64 fc0 sc0 ls50 ws5b\">Investment securities<span class=\"_ _3eb\"> </span></div></td><td></td></tr><tr><td></td><td></td><td></td><td class=\"t m0 xf3c h14f y6868 ff5 fs64 fc0 sc0 ls50 ws5b\">Reverse </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td class=\"t m0 xde3 h14f y6869 ff5 fs64 fc0 sc0 ls50 ws5b\">repurchase </td><td class=\"t m0 xf3d h14f y6869 ff2 fs64 fc0 sc0 ls50 ws5b\">Debt </td><td></td><td></td><td></td><td class=\"t m0 xf3e h14f y6869 ff2 fs64 fc0 sc0 ls50 ws5b\">Debt </td><td></td><td></td></tr><tr><td></td><td></td><td></td><td class=\"t m0 xf3f h14f y686a ff5 fs64 fc0 sc0 ls50 ws5b\">agreements </td><td class=\"t m0 x60e h14f y686a ff5 fs64 fc0 sc0 ls50 ws5b\">securities, </td><td></td><td></td><td></td><td class=\"t m0 x607 h14f y686a ff5 fs64 fc0 sc0 ls50 ws5b\" colspan=\"2\">securities, </td><td></td></tr><tr><td></td><td></td><td></td><td class=\"t m0 x60d h14f y686b ff5 fs64 fc0 sc0 ls50 ws5b\">and other </td><td class=\"t m0 x8bc h14f y686b ff5 fs64 fc0 sc0 ls50 ws5b\">alternative </td><td></td><td></td><td></td><td class=\"t m0 xf40 h14f y686b ff5 fs64 fc0 sc0 ls50 ws5b\" colspan=\"2\">alternative </td><td></td></tr><tr><td></td><td class=\"t m0 xf41 h14f y686c ff5 fs64 fc0 sc0 ls50 ws5b\">Loans and </td><td class=\"t m0 x60c h14f y686c ff5 fs64 fc0 sc0 ls50 ws5b\">Loans and </td><td class=\"t m0 xde9 h14f y686c ff5 fs64 fc0 sc0 ls50 ws5b\">similar </td><td class=\"t m0 xf42 h14f y686c ff2 fs64 fc0 sc0 ls50 ws0\">tier one </td><td></td><td></td><td class=\"t m0 x8b9 h14f y686c ff5 fs64 fc0 sc0 ls50 ws5b\">Derivative </td><td class=\"t m0 x545 h14f y686c ff2 fs64 fc0 sc0 ls50 ws0\">tier one </td><td></td><td></td></tr><tr><td></td><td class=\"t m0 x52a h14f y686d ff5 fs64 fc0 sc0 ls50 ws5b\">advances to </td><td class=\"t m0 xf43 h14f y686d ff5 fs64 fc0 sc0 ls50 ws5b\">advances to </td><td class=\"t m0 xf3c h14f y686d ff5 fs64 fc0 sc0 ls50 ws5b\">secured </td><td class=\"t m0 x60e h14f y686d ff5 fs64 fc0 sc0 ls50 ws5b\">and<span class=\"_ gs3f9\"> </span>other </td><td class=\"t m0 xf44 h14f y686d ff5 fs64 fc0 sc0 ls50 ws5b\">Equity<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xf45 h14f y686d ff5 fs64 fc0 sc0 ls50 ws5b\">Other<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x52d h14f y686d ff5 fs64 fc0 sc0 ls50 ws5b\">financial<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x607 h14f y686d ff5 fs64 fc0 sc0 ls50 ws5b\">and<span class=\"_ gs3f9\"> </span>other </td><td class=\"t m0 x9d4 h14f y686d ff5 fs64 fc0 sc0 ls50 ws5b\">Equity<span class=\"_ _3eb\"> </span></td><td></td></tr><tr><td></td><td class=\"t m0 xf46 h14f y686e ff2 fs64 fc0 sc0 ls50 ws5b\">banks<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xf47 h14f y686e ff5 fs64 fc0 sc0 ls50 ws5b\">customers<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xf3c h14f y686e ff5 fs64 fc0 sc0 ls50 ws5b\">lending<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x5fd h14f y686e ff5 fs64 fc0 sc0 ls50 ws5b\">eligible bills<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xf44 h14f y686e ff5 fs64 fc0 sc0 ls50 ws5b\">shares<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xf48 h14f y686e ff5 fs64 fc0 sc0 ls50 ws5b\">Assets<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xf49 h14f y686e ff5 fs64 fc0 sc0 ls50 ws5b\">instruments<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x8b5 h14f y686e ff5 fs64 fc0 sc0 ls50 ws5b\">eligible bills<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x9d4 h14f y686e ff5 fs64 fc0 sc0 ls50 ws5b\">shares<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1e9 h14f y686e ff5 fs64 fc0 sc0 ls50 ws5b\">Total<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"t m0 x221 h39 y686f ff1 fs17 fc3 sc0 ls21 ws20\">Assets<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x53e h14f y686f ff5 fs64 fc0 sc0 ls50 ws5b\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x53f h14f y686f ff5 fs64 fc0 sc0 ls50 ws5b\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xf4a h14f y686f ff5 fs64 fc0 sc0 ls50 ws5b\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x8b7 h14f y686f ff5 fs64 fc0 sc0 ls50 ws5b\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xf4b h14f y686f ff5 fs64 fc0 sc0 ls50 ws5b\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x539 h14f y686f ff5 fs64 fc0 sc0 ls50 ws5b\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1ea h14f y686f ff5 fs64 fc0 sc0 ls50 ws5b\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x9d3 h14f y686f ff5 fs64 fc0 sc0 ls50 ws5b\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xf4c h14f y686f ff5 fs64 fc0 sc0 ls50 ws5b\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xf4d h14f y686f ff5 fs64 fc0 sc0 ls50 ws5b\">$million<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c n x1ee y6870 w832 h20d\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws0\">At 1 January 2025<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf4e y6870 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf4f y6870 w833 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">1,937<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf50 y6870 w455 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">3,239<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf51 y6870 w834 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">1,593<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf52 y6870 w5c2 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">191<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf53 y6870 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf54 y6870 w6e3 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">128<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf55 y6870 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf56 y6870 w835 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">965<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf57 y6870 w836 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">8,053<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x221 hb y6871 ff4 fs7 fc3 sc0 ls7 ws7\">Total gains/(losses) recognised </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y6872 w837 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">in<span class=\"_ gs1a2\"> </span>income<span class=\"_ gs1a2\"> </span>statement<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf58 y6872 w14e h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf59 y6872 w838 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">70<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf5a y6872 w839 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">(35)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf5b y6872 w678 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">123<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf5c y6872 w6a6 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">(12)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf5d y6872 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf5e y6872 w83a h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">(14)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf5f y6872 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf60 y6872 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf61 y6872 w83b h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">132<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x40b y6873 w83c h20d\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws0\">Net trading income<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf62 y6873 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf63 y6873 w838 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">70<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf64 y6873 w839 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">(35)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf65 y6873 w678 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">123<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf66 y6873 w6a6 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">(12)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf67 y6873 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf68 y6873 w83a h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">(14)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf69 y6873 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf6a y6873 w14f h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf6b y6873 w83d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">132<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x40b y6874 w83e h20d\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws0\">Other operating income<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf6c y6874 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf6d y6874 w14e h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf6e y6874 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf6f y6874 w14e h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf70 y6874 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf71 y6874 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf72 y6874 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf73 y6874 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf74 y6874 w14f h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf75 y6874 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y6876 w83f h25a\"><div class=\"t m0 x1ed hba y6875 ff1 fs7 fc3 sc0 ls7 ws0\">Total gains recognised in<span class=\"_ _3eb\"> </span></div><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">other comprehensive income (OCI)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf76 y6876 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf77 y6876 w14e h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf78 y6876 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf79 y6876 w14e h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf7a y6876 w14e h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf7b y6876 w14f h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf7c y6876 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf7d y6876 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf7e y6876 w83b h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">321<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf7f y6876 w83b h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">321<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x40b y6877 w840 h20d\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws0\">Fair value through OCI reserve<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf80 y6877 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf81 y6877 w14e h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf82 y6877 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf83 y6877 w14e h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf84 y6877 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf85 y6877 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf86 y6877 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf87 y6877 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf88 y6877 w841 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">316<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf89 y6877 w842 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">316<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x40b y6878 w843 h20d\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws0\">Exchange difference<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf8a y6878 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf8b y6878 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf8c y6878 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf8d y6878 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf8e y6878 w14e h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf8f y6878 w14f h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf90 y6878 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf91 y6878 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf92 y6878 w68a h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">5<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf93 y6878 w844 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">5<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6879 w845 h20d\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws7\">Purchases<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf94 y6879 w846 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">299<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbb8 y6879 w847 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">3,002<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf95 y6879 w848 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">10,555<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf96 y6879 w849 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">1,980<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf97 y6879 w84a h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">169<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf98 y6879 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf99 y6879 w84b h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">162<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf9a y6879 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf9b y6879 w84c h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">31<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf9c y6879 w84d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">16,198<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y687a w84e h20d\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws7\">Sales<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf9d y687a w14e h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf9e y687a w84f h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">(1,156)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9e5 y687a w722 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">(9,021)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf9f y687a w850 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">(1,007)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfa0 y687a w851 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">(31)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfa1 y687a w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfa2 y687a w852 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">(128)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfa3 y687a w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfa4 y687a w853 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">(150)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfa5 y687a w854 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">(11,493)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y687b w855 h20d\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws7\">Settlements<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfa6 y687b w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfa7 y687b w856 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">(184)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfa8 y687b w857 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">(1,054)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfa9 y687b w858 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">(6)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfaa y687b w14e h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfab y687b w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfac y687b w859 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">(36)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x408 y687b w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfad y687b w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfae y687b w85a h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">(1,280)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y687c w85b h241\"><div class=\"t m0 x1ed hba y65a9 ff1 fs7 fc3 sc0 ls7 ws0\">Transfers out</div><div class=\"t m0 xfaf hd1 y65aa ff1 fs61 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfb0 y687d w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfb1 y687d w85c h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">(803)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfb2 y687d w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfb3 y687d w85d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">(280)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfb4 y687d w85e h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">(7)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfb5 y687d w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfb6 y687d w85f h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">(23)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfb7 y687d w14f h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfb8 y687d w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfb9 y687d w860 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">(1,113)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y687e w861 h241\"><div class=\"t m0 x1ed hba y65a9 ff1 fs7 fc3 sc0 ls7 ws0\">Transfers in</div><div class=\"t m0 xfba hd1 y65aa ff1 fs61 fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfb0 y687f w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfbb y687f w862 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">598<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfbc y687f w14e h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfbd y687f w84b h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">921<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfbe y687f w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfbf y687f w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfc0 y687f w6ec h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfc1 y687f w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfc2 y687f w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfc3 y687f w863 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">1,520<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6880 w864 h20b\"><div class=\"t m0 x1ed hb2 y65af ff5 fs7 fc3 sc0 ls7 ws7\">At 31 December 2025<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfc4 y6880 w846 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">299<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfc5 y6880 w647 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">3,464<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfc6 y6880 w64d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">3,684<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfc7 y6880 w652 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">3,324<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfc8 y6880 w54d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">310<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfc9 y6880 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfca y6880 w673 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">90<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfcb y6880 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfcc y6880 w57c h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">1,167<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfcd y6880 w865 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">12,338<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y6881 w866 h241\"><div class=\"t m0 x1ed hba y65a9 ff1 fs7 fc3 sc0 ls7 ws0\">Recognised in the income statement</div><div class=\"t m0 xfce hd1 y65aa ff1 fs61 fc3 sc0 ls0 ws0\">3<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfb0 y6882 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfcf y6882 w858 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">(9)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfd0 y6882 w5c2 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">(3)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfd1 y6882 w867 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">5<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfd2 y6882 w868 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">(29)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfd3 y6882 w14f h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfd4 y6882 w14f h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfd5 y6882 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfd6 y6882 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfd7 y6882 w859 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">(36)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6883 w869 h212\"><div class=\"t m0 x1ed hb y659e ff1 fs7 fc3 sc0 ls7 ws0\">At 1 January 2024<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfd8 y6883 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfd9 y6883 w86a h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">1,960<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfda y6883 w64e h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">2,363<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfdb y6883 w86b h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">1,262<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfdc y6883 w83b h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">184<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfdd y6883 w65b h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">6<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfde y6883 w687 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">80<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfdf y6883 w685 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">72<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfe0 y6883 w86c h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">787<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfe1 y6883 w195 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">6,714<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x221 hb y6884 ff4 fs7 fc3 sc0 ls7 ws7\">Total (losses)/gains recognised </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y6885 w837 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">in<span class=\"_ gs1a2\"> </span>income<span class=\"_ gs1a2\"> </span>statement<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfe2 y6885 w175 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">(1)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfe3 y6885 w86d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">8<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfe4 y6885 w67e h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">73<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfe5 y6885 w86e h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">(114)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfe6 y6885 w86f h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">(15)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfe7 y6885 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfe8 y6885 w181 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">(57)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfe9 y6885 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfea y6885 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfeb y6885 w870 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">(106)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x40b y6886 w83c h212\"><div class=\"t m0 x1ed hb y659e ff1 fs7 fc3 sc0 ls7 ws0\">Net trading income<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfec y6886 w175 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">(1)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfed y6886 w86d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">8<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfee y6886 w871 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">73<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfef y6886 w872 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">(56)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xff0 y6886 w86f h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">(15)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xff1 y6886 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xff2 y6886 w873 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">(57)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xff3 y6886 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xff4 y6886 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xff5 y6886 w874 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">(48)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x40b y6887 w83e h212\"><div class=\"t m0 x1ed hb y659e ff1 fs7 fc3 sc0 ls7 ws0\">Other operating income<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf6c y6887 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf6d y6887 w14e h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf6e y6887 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xff6 y6887 w875 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">(58)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xff7 y6887 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xff8 y6887 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xff9 y6887 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xffa y6887 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xffb y6887 w14f h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xffc y6887 w875 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">(58)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x221 hb y6888 ff4 fs7 fc3 sc0 ls7 ws7\">Total (losses)/gains recognised </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y6889 w876 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">in<span class=\"_ gs1a2\"> </span>other<span class=\"_ gs1a2\"> </span>comprehensive income (OCI)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xffd y6889 w14e h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xffe y6889 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfff y6889 w14e h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1000 y6889 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1001 y6889 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1002 y6889 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1003 y6889 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1004 y6889 wb8 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">(11)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1005 y6889 w877 h212\"><div class=\"t m0 x1ed hb y659e ff1 fs7 fc3 sc0 ls7 ws7\">50<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1006 y6889 w878 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">39<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x40b y688a w840 h212\"><div class=\"t m0 x1ed hb y659e ff1 fs7 fc3 sc0 ls7 ws0\">Fair value through OCI reserve<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf80 y688a w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf81 y688a w14e h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf82 y688a w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf83 y688a w14e h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf84 y688a w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf85 y688a w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf86 y688a w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf87 y688a w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1007 y688a w879 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">74<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1008 y688a w879 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">74<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x40b y688b w843 h212\"><div class=\"t m0 x1ed hb y659e ff1 fs7 fc3 sc0 ls7 ws0\">Exchange difference<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf8a y688b w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf8b y688b w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf8c y688b w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf8d y688b w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf8e y688b w14e h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf8f y688b w14f h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf90 y688b w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1009 y688b w87a h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">(11)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x100a y688b w87b h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">(24)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x100b y688b w87c h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">(35)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y688c w845 h212\"><div class=\"t m0 x1ed hb y659e ff1 fs7 fc3 sc0 ls7 ws7\">Purchases<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x100c y688c w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x100d y688c w87d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">1,853<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x100e y688c w87e h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">6,161<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x100f y688c w87f h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">1,337<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1010 y688c w880 h212\"><div class=\"t m0 x1ed hb y659e ff1 fs7 fc3 sc0 ls7 ws7\">24<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1011 y688c w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1012 y688c w881 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">227<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x408 y688c w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1013 y688c w882 h212\"><div class=\"t m0 x1ed hb y659e ff1 fs7 fc3 sc0 ls7 ws7\">145<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1014 y688c w883 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">9,747<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y688d w84e h212\"><div class=\"t m0 x1ed hb y659e ff1 fs7 fc3 sc0 ls7 ws7\">Sales<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf9d y688d w14e h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1015 y688d w498 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">(2,062)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1016 y688d w884 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">(4,716)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1017 y688d w885 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">(907)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1018 y688d w5d2 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">(2)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1019 y688d w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x101a y688d w870 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">(160)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x101b y688d w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x101c y688d w68c h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">(19)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x101d y688d w886 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">(7,866)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y688e w855 h212\"><div class=\"t m0 x1ed hb y659e ff1 fs7 fc3 sc0 ls7 ws7\">Settlements<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x101e y688e w637 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">(7)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x101f y688e w87b h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">(42)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1020 y688e w887 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">(782)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1021 y688e w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1022 y688e w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1023 y688e w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1024 y688e w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1025 y688e w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1026 y688e w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x75e y688e w777 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">(831)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y6747 w85b h241\"><div class=\"t m0 x1ed hba y65a9 ff1 fs7 fc3 sc0 ls7 ws0\">Transfers out</div><div class=\"t m0 xfaf hd1 y65aa ff1 fs61 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1027 y688f w888 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">(13)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1028 y688f w587 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">(263)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1029 y688f w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x102a y688f w175 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">(1)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x102b y688f w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x102c y688f w889 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">(6)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x102d y688f w88a h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">(1)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x102e y688f w68c h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">(61)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x102f y688f w5d2 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">(2)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1030 y688f w88b h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">(347)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y6748 w861 h241\"><div class=\"t m0 x1ed hba y65a9 ff1 fs7 fc3 sc0 ls7 ws0\">Transfers in</div><div class=\"t m0 xfba hd1 y65aa ff1 fs61 fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1031 y6890 w88c h212\"><div class=\"t m0 x1ed hb y659e ff1 fs7 fc3 sc0 ls7 ws7\">21<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1032 y6890 w88d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">483<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1033 y6890 w67c h212\"><div class=\"t m0 x1ed hb y659e ff1 fs7 fc3 sc0 ls7 ws7\">140<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1034 y6890 w88e h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">16<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1035 y6890 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1036 y6890 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1037 y6890 w88f h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">39<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1038 y6890 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1039 y6890 w890 h212\"><div class=\"t m0 x1ed hb y659e ff1 fs7 fc3 sc0 ls0 ws0\">4<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x103a y6890 w891 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">703<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6891 w892 h20b\"><div class=\"t m0 x1ed hb y659e ff5 fs7 fc3 sc0 ls7 ws7\">At 31 December 2024<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf58 y6891 w14e h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x103b y6891 w649 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">1,937<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x103c y6891 w893 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">3,239<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x103d y6891 w894 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">1,593<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x103e y6891 w66f h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">191<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x103f y6891 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1040 y6891 w895 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">128<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1041 y6891 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1042 y6891 w6ae h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">965<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1043 y6891 w896 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">8,053<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y674a w866 h241\"><div class=\"t m0 x1ed hba y65a9 ff1 fs7 fc3 sc0 ls7 ws0\">Recognised in the income statement</div><div class=\"t m0 xfce hd1 y65aa ff1 fs61 fc3 sc0 ls0 ws0\">3<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfb0 y6892 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1044 y6892 w897 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">7<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1045 y6892 w6f0 h212\"><div class=\"t m0 x1ed hb y659e ff1 fs7 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1046 y6892 w176 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">7<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1047 y6892 w898 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">(13)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1048 y6892 w14f h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1049 y6892 w889 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">(9)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x104a y6892 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x104b y6892 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x104c y6892 w637 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">(7)<span class=\"_ _3eb\"> </span></div></td></tr></table>1 <span class=\"_ _b\"> </span><span class=\"ff4\">Transfers out includes loans and advances, debt securities, alternative tier one and other <span class=\"_ _7\"></span>eligible bills, equity shares, other assets and derivative <span class=\"_ _7\"></span>financial </span>instruments where the valuation parameters became observable during <span class=\"_ _7\"></span>the period and were transferred to Level 1 <span class=\"_ _7\"></span>and Level 2.<span class=\"_ _3eb\"> </span>2 <span class=\"_ _f\"> </span><span class=\"ff4\">Transfers in primarily relate to loans and advances, repurchase agreements, debt securities, <span class=\"_ _7\"></span>alternative tier one and other eligible bills, equity <span class=\"_ _7\"></span>shares and derivative </span>financial instruments where the valuation parameters become unobservable <span class=\"_ _7\"></span>during the year.<span class=\"_ _3eb\"> </span>3 <span class=\"_ _f\"> </span><span class=\"ff4\">Represents Total unrealised (losses)/gains recognised in the income statement, within net trading income, <span class=\"_ _7\"></span>relating to change in fair value of assets.<span class=\"_ _3eb\"> </span></span>Level 3 movement <span class=\"_ _7\"></span>tables \u2013 <span class=\"_ _7\"></span>financial liabilities<span class=\"_ _3eb\"> </span><table class=\"s w899 h25b\" id=\"_5be77728-0ccd-4a99-971b-7e1804cfa12a\"><tr><td></td><td></td><td></td><td class=\"t m0 x104d h38 y6893 ff2 fs17 fc0 sc0 ls21 ws20\">Debt<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x6c3 h38 y6893 ff5 fs17 fc0 sc0 ls21 ws20\">Derivative<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"t m0 x104e h38 y6894 ff2 fs17 fc0 sc0 ls21 ws20\">Deposits<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x104f h38 y6894 ff5 fs17 fc0 sc0 ls21 ws20\">Customer </td><td class=\"t m0 x1050 h38 y6894 ff5 fs17 fc0 sc0 ls21 ws20\">securities<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1051 h38 y6894 ff5 fs17 fc0 sc0 ls21 ws20\">financial<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xadd h38 y6894 ff5 fs17 fc0 sc0 ls21 ws20\">Short<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x2dc h38 y6894 ff5 fs17 fc0 sc0 ls21 ws20\">Other<span class=\"_ _3eb\"> </span></td><td></td></tr><tr><td></td><td class=\"t m0 x2eb h38 y6895 ff5 fs17 fc0 sc0 ls21 ws20\">by<span class=\"_ gs40f\"> </span>banks<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1052 h38 y6895 ff2 fs17 fc0 sc0 ls21 ws20\">accounts<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x2d9 h38 y6895 ff2 fs17 fc0 sc0 ls21 ws0\">in issue<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xc2d h38 y6895 ff5 fs17 fc0 sc0 ls21 ws20\">instruments<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1053 h38 y6895 ff5 fs17 fc0 sc0 ls21 ws20\">positions<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1054 h38 y6895 ff5 fs17 fc0 sc0 ls21 ws20\">liabilities<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x96f h38 y6895 ff5 fs17 fc0 sc0 ls21 ws20\">Total<span class=\"_ _3eb\"> </span></td></tr><tr><td></td><td class=\"t m0 x2d5 h38 y6896 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x2f7 h38 y6896 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x2c9 h38 y6896 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x4be h38 y6896 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x2fa h38 y6896 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x233 h38 y6896 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x4c2 h38 y6896 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c n x1ee y6897 w89a h1fe\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">At 1 January 2025<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1055 y6897 w8a h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">371<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1056 y6897 w89b h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">2,714<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1057 y6897 w89c h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">1,414<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1058 y6897 w89d h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">258<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1059 y6897 w89e h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">180<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x105a y6897 w1cf h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x105b y6897 w89f h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">4,937<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x235 h1a y6898 ff4 fs5 fc3 sc0 ls5 ws5\">Total losses/(gains) </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m0 x235 h3b y6899 ff1 fs5 fc3 sc0 ls5 ws0\">recognised in income </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m0 x235 h1a y689a ff4 fs5 fc3 sc0 ls5 ws5\">statement \u2013 net </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y689b w8a0 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">trading<span class=\"_ gs1a1\"> </span>income<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x105c y689b w27b h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">98<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x105d y689b w8a1 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(269)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x105e y689b w8a2 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">60<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x105f y689b w8a3 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">8<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1060 y689b w45d h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">3<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1061 y689b w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1062 y689b w8a4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(100)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y689c w319 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">Issues<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1063 y689c w8a5 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">298<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1064 y689c w231 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">5,410<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1065 y689c w241 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">2,114<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1066 y689c w8a6 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">538<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1067 y689c w1cf h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1068 y689c w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1069 y689c w8a7 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">8,360<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y689d w8a8 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">Settlements<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x106a y689d w8a9 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(538)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x106b y689d w8aa h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(3,790)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x106c y689d w8ab h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(2,462)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x106d y689d w8ac h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(566)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x106e y689d w8ad h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(107)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x106f y689d w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1070 y689d w8ae h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(7,463)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y689e w8af h220\"><div class=\"t m0 x1ed h3b y6600 ff1 fs5 fc3 sc0 ls5 ws0\">Transfers out</div><div class=\"t m0 xe47 h3c y6601 ff1 fs1b fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1071 y689f w2bc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1072 y689f w8b0 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(650)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1073 y689f w8b1 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(58)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1074 y689f w4ab h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(30)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1075 y689f w1cf h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1076 y689f w1cf h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1077 y689f w4e9 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(738)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y68a0 w8b2 h220\"><div class=\"t m0 x1ed h3b y6600 ff1 fs5 fc3 sc0 ls5 ws0\">Transfers in</div><div class=\"t m0 x1078 h3c y6601 ff1 fs1b fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1079 y68a1 w8b3 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">40<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x107a y68a1 w8b4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">63<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x107b y68a1 w473 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">16<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x107c y68a1 w8b5 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">18<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x107d y68a1 w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x107e y68a1 w1cf h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x107f y68a1 w8a h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">137<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y661f w8b6 h201\"><div class=\"t m0 x1ed h3d y6548 ff5 fs5 fc3 sc0 ls5 ws5\">At 31 December 2025<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1080 y661f w397 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">269<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1081 y661f w886 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">3,478<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1082 y661f w71 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">1,084<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1083 y661f w8b7 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">226<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1084 y661f w8b8 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">76<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x946 y661f w1cf h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1085 y661f w7dd h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">5,133<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x235 h3b y68a2 ff1 fs5 fc3 sc0 ls5 ws0\">Recognised in the income </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1ee y68a3 w8b9 h25c\"><div class=\"t m0 x1ed h3b y6600 ff1 fs5 fc3 sc0 ls5 ws5\">statement</div><div class=\"t m0 x1086 h3c y667e ff1 fs1b fc3 sc0 ls0 ws0\">3<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1071 y6621 w45d h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">3<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1087 y6621 w2f0 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1088 y6621 w2f0 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1089 y6621 w8ba h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(9)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x108a y6621 w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x108b y6621 w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x108c y6621 w4a9 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(2)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y68a4 w8bb h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">At 1 January 2024<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x108d y68a4 w2bf h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">334<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x108e y68a4 w8bc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">1,278<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x108f y68a4 w1f4 h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">1,041<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1090 y68a4 w4ce h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">196<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1091 y68a4 w26f h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">103<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1092 y68a4 w5e h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">8<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1093 y68a4 w8bd h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">2,960<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x235 h1a y68a5 ff4 fs5 fc3 sc0 ls5 ws5\">Total losses/(gains) </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m0 x235 h3b y68a6 ff1 fs5 fc3 sc0 ls5 ws0\">recognised in income </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m0 x235 h1a y68a7 ff4 fs5 fc3 sc0 ls5 ws5\">statement \u2013 net </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y65f3 w8a0 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">trading<span class=\"_ gs1a1\"> </span>income<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1094 y65f3 w475 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">49<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1095 y65f3 w8be h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(27)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1096 y65f3 w8bf h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">48<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1097 y65f3 w4c8 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(6)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1098 y65f3 w32 h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls0 ws0\">3<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1099 y65f3 w75 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(8)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x109a y65f3 w1e6 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">59<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y68a8 w319 h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">Issues<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x109b y68a8 w46e h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">388<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x109c y68a8 w8c0 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">3,068<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x109d y68a8 w8c1 h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">4,244<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x109e y68a8 w40d h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">507<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x109f y68a8 w8c2 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">177<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x941 y68a8 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10a0 y68a8 w8c3 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">8,384<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y68a9 w8a8 h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">Settlements<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xedb y68a9 w751 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(400)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10a1 y68a9 w6e h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(1,627)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10a2 y68a9 w8c4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(2,795)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10a3 y68a9 w1f3 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(438)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10a4 y68a9 w35b h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(103)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10a5 y68a9 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10a6 y68a9 w8c5 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(5,363)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y68aa w8af h25c\"><div class=\"t m0 x1ed h3b y6600 ff1 fs5 fc3 sc0 ls5 ws0\">Transfers out</div><div class=\"t m0 xe47 h3c y667e ff1 fs1b fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1071 y68ab w2bc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10a7 y68ab w8c6 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(26)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10a8 y68ab w8c7 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(1,194)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10a9 y68ab w47e h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(7)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10aa y68ab w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10ab y68ab w1cf h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10ac y68ab w8c8 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(1,227)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y68ac w8b2 h220\"><div class=\"t m0 x1ed h3b y6600 ff1 fs5 fc3 sc0 ls5 ws0\">Transfers in</div><div class=\"t m0 x1078 h3c y6601 ff1 fs1b fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1071 y65f7 w2bc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10ad y65f7 w8bf h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">48<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10ae y65f7 w8c9 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">70<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10af y65f7 w44 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">6<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10b0 y65f7 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10b1 y65f7 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10b2 y65f7 w8ca h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">124<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y68ad w8cb h203\"><div class=\"t m0 x1ed h1a y65de ff5 fs5 fc3 sc0 ls5 ws5\">At 31 December 2024<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10b3 y68ad w81a h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">371<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10b4 y68ad w598 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">2,714<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10b5 y68ad w8cc h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">1,414<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10b6 y68ad w8cd h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">258<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10b7 y68ad w67 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">180<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10b8 y68ad w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd98 y68ad we5 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">4,937<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x235 h3b y68ae ff1 fs5 fc3 sc0 ls5 ws0\">Recognised in the income </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1ee y68af w8b9 h21c\"><div class=\"t m0 x1ed h3b y6600 ff1 fs5 fc3 sc0 ls5 ws5\">statement</div><div class=\"t m0 x1086 h3c y6601 ff1 fs1b fc3 sc0 ls0 ws0\">3<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10b9 y6567 w73 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">29<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10ba y6567 w40 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls0 ws0\">5<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10bb y6567 w4da h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10bc y6567 w8ce h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(13)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10bd y6567 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10be y6567 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10bf y6567 wa2 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">23<span class=\"_ _3eb\"> </span></div></td></tr></table>1 <span class=\"_ _b\"> </span><span class=\"ff4\">Transfers out during the year primarily relate to customer accounts, debt securities in <span class=\"_ _7\"></span>issue and derivative financial instruments where the valuation <span class=\"_ _7\"></span>parameters </span>became observable during the year and were transferred <span class=\"_ _7\"></span>to Level 2 financial liabilities.<span class=\"_ _3eb\"> </span>2 <span class=\"_ _f\"> </span><span class=\"ff4\">Transfers in during the year primarily relate to customer accounts, debt securities <span class=\"_ _7\"></span>in issue and derivative financial instruments where the <span class=\"_ _7\"></span>valuation parameters </span>become unobservable during the year.<span class=\"_ _3eb\"> </span>3 <span class=\"_ _f\"> </span><span class=\"ff4\">Represents Total unrealised losses/(gains) recognised in the income statement, within net trading income, <span class=\"_ _7\"></span>relating to change in fair value of liabilities<span class=\"_ _3eb\"> </span></span>Sensitivities in respect <span class=\"_ _7\"></span>of the <span class=\"_ _7\"></span>fair values of <span class=\"_ _7\"></span>Level 3 <span class=\"_ _7\"></span>assets and liabilities<span class=\"_ _3eb\"> </span>Sensitivity analysis is performed on products <span class=\"_ _7\"></span>with significant unobservable inputs. The Group applies <span class=\"_ _7\"></span>a 10 per cent increase or<span class=\"_ gs36\"> </span>decrease on the values of these <span class=\"_ _7\"></span>unobservable inputs, to generate a range of <span class=\"_ _7\"></span>reasonably possible alternative valuations. The<span class=\"_ gs36\"> </span>percentage shift is determined by statistical <span class=\"_ _7\"></span>analysis performed on a set of reference <span class=\"_ _7\"></span>prices based on the composition of<span class=\"_ gs36\"> </span>the Group\u2019s Level 3 inventory as <span class=\"_ _7\"></span>the measurement date. Favourable and unfavourable changes <span class=\"_ _7\"></span>(which show the balance adjusted for input change) are determined <span class=\"_ _7\"></span>on the basis of changes in the <span class=\"_ _7\"></span>value of the instrument as a <span class=\"_ _7\"></span>result of varying the levels<span class=\"_ gs36\"> </span>of the unobservable parameters. The Level <span class=\"_ _7\"></span>3 sensitivity analysis assumes a one-way market <span class=\"_ _7\"></span>move and does not consider offsets for hedges.<span class=\"_ _3eb\"> </span><table class=\"s w8cf h25d\" id=\"_d97368e6-7180-4f4a-89bb-7dc345a82ea6\"><tr><td></td><td></td><td></td><td class=\"c n x10c0 y68b0 w8d0 h215\"><div class=\"t m0 x1ed h38 y6563 ff5 fs17 fc0 sc0 ls21 ws20\">Held at fair value through profit or loss<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td class=\"c n x10c1 y68b0 w8d1 h215\"><div class=\"t m0 x1ed h38 y6563 ff5 fs17 fc0 sc0 ls21 ws20\">Fair value through other comprehensive income<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td></td><td class=\"t m0 x10c2 h38 y68b1 ff5 fs17 fc0 sc0 ls21 ws20\">Favourable </td><td class=\"t m0 x60f h38 y68b1 ff5 fs17 fc0 sc0 ls21 ws20\">Unfavourable </td><td></td><td class=\"t m0 x10c3 h38 y68b1 ff5 fs17 fc0 sc0 ls21 ws20\">Favourable </td><td class=\"t m0 x10c4 h38 y68b1 ff5 fs17 fc0 sc0 ls21 ws20\">Unfavourable </td></tr><tr><td></td><td class=\"t m0 x5ff h38 y68b2 ff5 fs17 fc0 sc0 ls21 ws20\">Net exposure<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x5fd h38 y68b2 ff5 fs17 fc0 sc0 ls21 ws20\">changes<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x10c5 h38 y68b2 ff5 fs17 fc0 sc0 ls21 ws20\">changes<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x10c6 h38 y68b2 ff5 fs17 fc0 sc0 ls21 ws20\">Net exposure<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x10c7 h38 y68b2 ff5 fs17 fc0 sc0 ls21 ws20\">changes<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x10c8 h38 y68b2 ff5 fs17 fc0 sc0 ls21 ws20\">changes<span class=\"_ _3eb\"> </span></td></tr><tr><td></td><td class=\"t m0 x8f9 h38 y68b3 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x8bc h38 y68b3 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x404 h38 y68b3 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x405 h38 y68b3 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1eb h38 y68b3 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1ec h38 y68b3 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"t m0 x221 h8 y68b4 ff5 fs5 fc3 sc0 ls5 ws5\">Financial instruments held at fair value<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y68b5 w8d2 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Loans and advances<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10c9 y68b5 w8d3 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">3,763<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10ca y68b5 w8d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">3,854<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10cb y68b5 w8d5 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">3,650<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10cc y68b5 w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10cd y68b5 w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10ce y68b5 w1cf h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x221 h3b y68b6 ff1 fs5 fc3 sc0 ls5 ws0\">Reverse Repurchase agreements </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y68b7 w8d6 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">and<span class=\"_ gs1a1\"> </span>other similar secured lending<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10cf y68b7 w799 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">3,684<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10d0 y68b7 w2cc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">3,782<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10d1 y68b7 w8d7 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">3,598<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10d2 y68b7 w1cf h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8e8 y68b7 w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10d3 y68b7 w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x221 h1a y68b8 ff4 fs5 fc3 sc0 ls5 ws5\">Debt securities, alternative tier one </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y68b9 w8d8 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">and<span class=\"_ gs1a1\"> </span>other eligible bills<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10d4 y68b9 w35f h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">3,324<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10d5 y68b9 w69 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">3,384<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10d6 y68b9 w8d9 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">3,267<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10d7 y68b9 w1cf h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10d8 y68b9 w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10d9 y68b9 w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y68ba w8da h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Equity shares<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10da y68ba w314 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">310<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10db y68ba w8db h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">343<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10dc y68ba w8dc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">277<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10dd y68ba w8dd h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">1,167<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10de y68ba w8ad h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">1,284<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10df y68ba w8de h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">1,050<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y68bb wc5 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">Derivative financial instruments<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10e0 y68bb wb7 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(136)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10e1 y68bb w8df h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(111)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10e2 y68bb w1d8 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(161)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10e3 y68bb w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10e4 y68bb w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10e5 y68bb w1cf h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y68bc wf5 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Customer accounts<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10e6 y68bc w8e0 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(3,478)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10e7 y68bc w8e1 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(3,395)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10e8 y68bc w8e2 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(3,566)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10e9 y68bc w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10ea y68bc w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10eb y68bc w1cf h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y68bd wf2 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Deposits by banks<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10ec y68bd w8a1 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(269)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10ed y68bd w231 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(257)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10ee y68bd w8a4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(282)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10ef y68bd w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10f0 y68bd w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10f1 y68bd w1cf h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y68be w5b5 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">Short positions<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10f2 y68be w8e3 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(76)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10f3 y68be w484 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(75)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10f4 y68be w8e4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(77)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10f5 y68be w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10f6 y68be w1cf h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10f7 y68be w1cf h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y68bf w101 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">Debt securities in issue<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10f8 y68bf w1d2 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(1,084)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10f9 y68bf w8e5 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(1,007)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10d6 y68bf w768 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(1,161)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10fa y68bf w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10fb y68bf w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10fc y68bf w1cf h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y68c0 w8b6 h201\"><div class=\"t m0 x1ed h3d y6548 ff5 fs5 fc3 sc0 ls5 ws5\">At 31 December 2025<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10fd y68c0 w8e6 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">6,038<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10fe y68c0 wb6 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">6,518<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10ff y68c0 w5a4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">5,545<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1100 y68c0 w8e7 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">1,167<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1101 y68c0 w8e8 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">1,284<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1102 y68c0 w4b7 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">1,050<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x221 h8 y68c1 ff5 fs5 fc3 sc0 ls5 ws5\">Financial instruments held at fair value </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y65ef w8d2 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Loans and advances<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1103 y65ef w322 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">1,937<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1104 y65ef w8e9 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">1,985<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1105 y65ef w8ea h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">1,862<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbaa y65ef w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1106 y65ef w1cf h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1107 y65ef w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x221 h3b y68c2 ff1 fs5 fc3 sc0 ls5 ws0\">Reverse Repurchase agreements </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y68c3 w8d6 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">and<span class=\"_ gs1a1\"> </span>other similar secured lending<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1108 y68c3 w8eb h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">3,239<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1109 y68c3 w8ec h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">3,339<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x110a y68c3 w444 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">3,138<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x110b y68c3 w1cf h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x110c y68c3 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x110d y68c3 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x221 h1a y68c4 ff4 fs5 fc3 sc0 ls5 ws5\">Debt securities, alternative tier one </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y6574 w8d8 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">and<span class=\"_ gs1a1\"> </span>other eligible bills<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x110e y6574 w551 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">1,593<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x110f y6574 w29a h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">1,643<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1110 y6574 w5c9 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">1,542<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1111 y6574 w1cf h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1112 y6574 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1113 y6574 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6560 w8da h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Equity shares<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1114 y6560 w8ed h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">191<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1115 y6560 w8ee h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">210<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1116 y6560 w8ef h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">172<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1117 y6560 w3f2 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">965<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1118 y6560 w8f0 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">1,032<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1119 y6560 w8f1 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">888<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6575 wc5 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Derivative financial instruments<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x111a y6575 w35b h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(130)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x111b y6575 w8f2 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(115)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x111c y6575 w3be h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(147)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x111d y6575 w1cf h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x111e y6575 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x111f y6575 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y658d wf5 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Customer accounts<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1120 y658d w8f3 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(2,714)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1121 y658d w249 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(2,540)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1122 y658d w8f4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(2,883)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1123 y658d w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1124 y658d w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1125 y658d w1cf h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y658e wf2 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Deposits by banks<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xda3 y658e w1ca h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(371)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1126 y658e w1ca h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(371)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1127 y658e w1ca h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(371)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10d7 y658e w1cf h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10d8 y658e w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10d9 y658e w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6659 w5b5 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Short positions<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1128 y6659 w8f5 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(180)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1129 y6659 w29a h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(178)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x112a y6659 w8f6 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(182)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10e3 y6659 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10e4 y6659 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10e5 y6659 w1cf h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6566 w101 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Debt securities in issue<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x112b y6566 w8f7 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(1,414)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x112c y6566 w8f8 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(1,352)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9de y6566 w8f9 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(1,476)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x956 y6566 w1cf h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x112d y6566 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbe0 y6566 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6567 w8cb h203\"><div class=\"t m0 x1ed h1a y65de ff5 fs5 fc3 sc0 ls5 ws5\">At 31 December 2024<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x112e y6567 w8fa h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">2,151<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x112f y6567 w8fb h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">2,621<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1130 y6567 w350 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">1,655<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1059 y6567 w3f2 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">965<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1131 y6567 w8fc h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">1,032<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1132 y6567 w8f1 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">888<span class=\"_ _3eb\"> </span></div></td></tr></table>The reasonably possible alternatives could have <span class=\"_ _7\"></span>increased or decreased the fair values of <span class=\"_ _7\"></span>financial instruments held at fair value through profit or loss and those <span class=\"_ _7\"></span>classified as fair value through other comprehensive <span class=\"_ _7\"></span>income by the amounts disclosed below.<span class=\"_ _3eb\"> </span><table class=\"s w8fd h25e\" id=\"_2881217d-6ac2-4d95-8912-a149ec67ee6c\"><tr><td></td><td></td><td class=\"t m0 x405 h38 y68c5 ff5 fs17 fc0 sc0 ls21 ws20\">Fair value changes<span class=\"_ _3eb\"> </span></td><td></td><td></td></tr><tr><td></td><td class=\"c n x1133 y68c6 w8fe h204\"><div class=\"t m0 x1ed h38 y6563 ff5 fs17 fc0 sc0 ls21 ws20\">Possible increase<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n x1134 y68c6 w8ff h204\"><div class=\"t m0 x1ed h38 y6563 ff5 fs17 fc0 sc0 ls21 ws20\">Possible decrease<span class=\"_ _3eb\"> </span></div></td><td></td></tr><tr><td></td><td class=\"t m0 x3ff h38 y68c7 ff5 fs17 fc0 sc0 ls21 ws20\">2025<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x544 h38 y68c7 ff5 fs17 fc0 sc0 ls21 ws20\">2024<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1e8 h38 y68c7 ff5 fs17 fc0 sc0 ls21 ws20\">2025<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1e9 h38 y68c7 ff5 fs17 fc0 sc0 ls21 ws20\">2024<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"t m0 x221 h38 y68c8 ff5 fs17 fc3 sc0 ls21 ws20\">Financial instruments<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x404 h38 y68c8 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x405 h38 y68c8 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1eb h38 y68c8 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1ec h38 y68c8 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c n x1ee y68c9 w900 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Held at fair value through profit or loss<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1135 y68c9 w270 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">480<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1136 y68c9 w901 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">470<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1131 y68c9 w184 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(493)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1137 y68c9 w902 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(496)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y68ca w903 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Fair value through other comprehensive income<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1138 y68ca w6d4 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">117<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1139 y68ca w96 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">67<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x113a y68ca w3b4 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(117)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x113b y68ca w109 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(77)<span class=\"_ _3eb\"> </span></div></td></tr></table>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfFinancialInstrumentsAtFairValueThroughProfitOrLossExplanatory",
    "language": "en",
    "entity": "scheme:U4LOSYZ7YG4W3S5F2G91",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-634": {
   "value": "13. Financial instruments<span class=\"_ _3eb\"> </span>Classification and <span class=\"_ _7\"></span>measurement<span class=\"_ _3eb\"> </span>Accounting policy<span class=\"_ _3eb\"> </span>Financial assets <span class=\"_ _7\"></span>held at <span class=\"_ _7\"></span>amortised cost <span class=\"_ _7\"></span>and fair <span class=\"_ _7\"></span>value through <span class=\"_ _7\"></span>other comprehensive <span class=\"_ _7\"></span>income<span class=\"_ _3eb\"> </span>Debt instruments held at amortised cost or held at FVOCI have contractual terms that give rise to cash flows that are solely payments of principal and interest (SPPI) <span class=\"_ _7\"></span>characteristics. In assessing whether the contractual cash <span class=\"_ _7\"></span>flows have SPPI characteristics, the Group considers <span class=\"_ _7\"></span>the contractual terms of the instrument. This includes assessing whether the <span class=\"_ _7\"></span>financial asset contains a contractual term that <span class=\"_ _7\"></span>could change the timing or amount of contractual cash flows such <span class=\"_ _7\"></span>that it would not meet this condition. <span class=\"_ _7\"></span>In making the assessment, the Group <span class=\"_ _7\"></span>considers: <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">Contingent events that would change the amount and timing of cash flows</span> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ls2\">Leverage features</span> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ls2\">Prepayment and extension terms</span> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">Terms that limit the Group\u2019s claim to cash flows from specified assets <span class=\"_ _7\"></span>(e.g. non-recourse asset arrangements) </span> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">Features that modify consideration of the time value of money \u2013 e.g. <span class=\"_ _7\"></span>periodical reset of interest rates<span class=\"_ _3eb\"> </span></span>Whether financial assets are held at <span class=\"_ _7\"></span>amortised cost or at FVOCI depends on <span class=\"_ _7\"></span>the objectives of the business models <span class=\"_ _7\"></span>under which the assets are held. A <span class=\"_ _7\"></span>business model refers to how the Group <span class=\"_ _7\"></span>manages financial assets to generate cash <span class=\"_ _7\"></span>flows.<span class=\"_ _3eb\"> </span>The Group makes an assessment of <span class=\"_ _7\"></span>the objective of a business model in <span class=\"_ _7\"></span>which an asset is held at <span class=\"_ _7\"></span>the individual product business line, and where applicable within <span class=\"_ _7\"></span>business lines depending on the way the <span class=\"_ _7\"></span>business is managed and information is<span class=\"_ gs36\"> </span>provided to management. Factors considered include: <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ls2\">How the performance of the product business line is evaluated and reported to the Group\u2019s management</span> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">How managers of the business model are compensated, including whether management is <span class=\"_ _7\"></span>compensated based </span>on<span class=\"_ gs36\"> </span>the<span class=\"_ gs36\"> </span>fair value of assets or the <span class=\"_ _7\"></span>contractual cash flows collected <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ls2\">The risks that affect the performance of the business model and how those risks are managed</span> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">The frequency, volume and timing of sales in prior periods, the reasons <span class=\"_ _7\"></span>for such sales and expectations about <span class=\"_ _7\"></span>future </span>sales<span class=\"_ gs36\"> </span>activity<span class=\"_ _3eb\"> </span>The Group\u2019s business model assessment is <span class=\"_ _7\"></span>as follows:<span class=\"_ _3eb\"> </span><table class=\"s w51a h23d\" id=\"_75439fb2-8a84-4a62-a7d1-71356f640b90\"><tr><td class=\"t m0 x9bc h4 y66c6 ff2 fs1 fc1 sc0 ls1 ws2\">Business </td><td class=\"t m0 x9bd h4 y66c6 ff2 fs1 fc1 sc0 ls1 ws2\">Business </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m0 x9bc h4 y66c7 ff5 fs1 fc1 sc0 ls1 ws2\">model<span class=\"_ _3eb\"> </span></td><td class=\"c n x9be y66c9 w51b h23e\"><div class=\"t m0 x1ed h4 y66c8 ff5 fs1 fc1 sc0 ls1 ws2\">objective<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9bf y66c9 w51c h23e\"><div class=\"t m0 x1ed h4 y66c8 ff5 fs1 fc1 sc0 ls1 ws2\">Characteristics<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n x9c0 y66c9 w51d h23e\"><div class=\"t m0 x1ed h4 y66c8 ff2 fs1 fc1 sc0 ls1 ws2\">Businesses<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n x9c1 y66c9 w15e h23e\"><div class=\"t m0 x1ed h4 y66c8 ff5 fs1 fc1 sc0 ls1 ws2\">Products<span class=\"_ _3eb\"> </span></div></td><td></td></tr><tr><td class=\"t m0 x9bc h20 y66ca ff6 fs2 fc3 sc0 ls2 ws0\">Hold to </td><td class=\"t m0 x9bd h9 y66ca ff1 fs2 fc3 sc0 ls2 ws0\">Intent is to </td><td class=\"c n x9c2 y66cb w51e h1ff\"><div class=\"t m0 x1ed h5 y66b5 ff1 fs2 fc3 sc0 ls0 ws0\">\u2022<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c3 y66cb w51f h23f\"><div class=\"t m0 x1ed h5 y66b5 ff4 fs2 fc3 sc0 ls2 ws1\">Providing financing and originating<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c4 y66cd w520 h1ff\"><div class=\"t m0 x1ed h9 y66cc ff1 fs2 fc3 sc0 ls0 ws0\">\u2022<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c5 y66cd w521 h201\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls2 ws0\">Global Banking<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c6 y66cd w520 h1ff\"><div class=\"t m0 x1ed h9 y66cc ff1 fs2 fc3 sc0 ls0 ws0\">\u2022<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c7 y66cd w522 h201\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls2 ws0\">Loans and<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x9bc h20 y66cf ff6 fs2 fc3 sc0 ls2 ws1\">collect<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x9bd h5 y66cf ff4 fs2 fc3 sc0 ls2 ws1\">originate financial </td><td class=\"t m0 x9c8 h9 y66cf ff1 fs2 fc3 sc0 ls2 ws0\" colspan=\"2\">assets to earn interest income as </td><td class=\"c n x9c4 y66d0 w520 h201\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls0 ws0\">\u2022<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c5 y66d0 w523 h201\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls2 ws1\">Transaction<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x9c9 h9 y66cf ff1 fs2 fc3 sc0 ls2 ws1\" colspan=\"2\">advances<span class=\"_ _3eb\"> </span></td></tr><tr><td></td><td class=\"t m0 x9bd h9 y66d1 ff1 fs2 fc3 sc0 ls2 ws0\">assets and hold </td><td class=\"t m0 x9c8 h9 y66d1 ff1 fs2 fc3 sc0 ls2 ws0\" colspan=\"2\">primary income stream<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x9ca h9 y66d2 ff1 fs2 fc3 sc0 ls2 ws1\" colspan=\"2\">Banking<span class=\"_ _3eb\"> </span></td><td class=\"c n x9c6 y66d3 w520 h203\"><div class=\"t m0 x1ed h5 y66b5 ff1 fs2 fc3 sc0 ls0 ws0\">\u2022<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c7 y66d3 w524 h239\"><div class=\"t m0 x1ed h5 y66b5 ff4 fs2 fc3 sc0 ls2 ws1\">Debt securities<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td class=\"t m0 x9bd h9 y66d4 ff1 fs2 fc3 sc0 ls2 ws0\">them to maturity, </td><td class=\"c n x9c2 y66d5 w51e h201\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls0 ws0\">\u2022<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c3 y66d5 w525 h201\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls2 ws0\">Performing credit risk management<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c4 y66d6 w520 h201\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls0 ws0\">\u2022<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c5 y66d6 w526 h201\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls2 ws0\">Retail Lending<span class=\"_ _3eb\"> </span></div></td><td></td><td></td></tr><tr><td></td><td class=\"t m0 x9bd h9 y66d7 ff1 fs2 fc3 sc0 ls2 ws0\">collecting the </td><td class=\"t m0 x9c8 h5 y66d8 ff4 fs2 fc3 sc0 ls2 ws1\" colspan=\"2\">activities<span class=\"_ _3eb\"> </span></td><td class=\"c n x9c4 y66d9 w520 h201\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls0 ws0\">\u2022<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c5 y66d9 w527 h201\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls2 ws1\">Treasury<span class=\"_ _3eb\"> </span></div></td><td></td><td></td></tr><tr><td></td><td class=\"t m0 x9bd h9 y66da ff1 fs2 fc3 sc0 ls2 ws0\">contractual cash </td><td class=\"c n x9c2 y66db w51e h201\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls0 ws0\">\u2022<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c3 y66db w528 h201\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls2 ws0\">Costs include funding costs, transaction</div></td><td class=\"t m0 x9ca h9 y66dc ff1 fs2 fc3 sc0 ls2 ws0\" colspan=\"2\">Markets (Loans </td><td></td><td></td></tr><tr><td></td><td class=\"t m0 x9bd h9 y66dd ff1 fs2 fc3 sc0 ls2 ws0\">flows over the term </td><td class=\"t m0 x9c8 h5 y66de ff4 fs2 fc3 sc0 ls2 ws1\" colspan=\"2\">costs and impairment losses<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x9ca h5 y66df ff4 fs2 fc3 sc0 ls2 ws1\" colspan=\"2\">and Borrowings)<span class=\"_ _3eb\"> </span></td><td></td><td></td></tr><tr><td></td><td class=\"t m0 x9bd h9 y66e0 ff1 fs2 fc3 sc0 ls2 ws0\">of the instrument<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"c n x9c4 y66e1 w520 h201\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls0 ws0\">\u2022<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c5 y66e1 w529 h201\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls2 ws0\">Global Markets<span class=\"_ _3eb\"> </span></div></td><td></td><td></td></tr><tr><td class=\"t m0 x9bc h20 y66e2 ff6 fs2 fc3 sc0 ls2 ws0\">Hold to </td><td class=\"t m0 x9bd h5 y66e2 ff4 fs2 fc3 sc0 ls2 ws1\">Business objective </td><td class=\"c n x9c2 y66e3 w51e h203\"><div class=\"t m0 x1ed h5 y66b5 ff1 fs2 fc3 sc0 ls0 ws0\">\u2022<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c3 y66e3 w525 h239\"><div class=\"t m0 x1ed h5 y66b5 ff4 fs2 fc3 sc0 ls2 ws1\">Portfolios held for liquidity needs; or<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c4 y66e4 w520 h201\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls0 ws0\">\u2022<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c5 y66e4 w527 h201\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls2 ws1\">Treasury<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c6 y66e3 w520 h203\"><div class=\"t m0 x1ed h5 y66b5 ff1 fs2 fc3 sc0 ls0 ws0\">\u2022<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c7 y66e3 w524 h239\"><div class=\"t m0 x1ed h5 y66b5 ff4 fs2 fc3 sc0 ls2 ws1\">Debt securities<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x9bc h20 y66e5 ff6 fs2 fc3 sc0 ls2 ws1\">collect </td><td class=\"t m0 x9bd h9 y66e5 ff1 fs2 fc3 sc0 ls2 ws0\">met through both </td><td class=\"t m0 x9c8 h9 y66e5 ff1 fs2 fc3 sc0 ls2 ws0\" colspan=\"2\">where a certain interest yield profile is </td><td class=\"t m0 x9ca h9 y66e5 ff1 fs2 fc3 sc0 ls2 ws1\" colspan=\"2\">Markets<span class=\"_ _3eb\"> </span></td><td></td><td></td></tr><tr><td class=\"t m0 x9bc h20 y66e6 ff7 fs2 fc3 sc0 ls2 ws1\">and<span class=\"_ gs36e\"> </span>sell<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x9bd h9 y66e6 ff1 fs2 fc3 sc0 ls2 ws0\">hold to collect and </td><td class=\"t m0 x9c8 h5 y66e6 ff4 fs2 fc3 sc0 ls2 ws1\" colspan=\"2\">maintained; or that are normally </td><td class=\"c n x9c4 y66e7 w520 h201\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls0 ws0\">\u2022<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c5 y66e7 w52a h201\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls2 ws0\">Central Credit<span class=\"_ _3eb\"> </span></div></td><td></td><td></td></tr><tr><td></td><td class=\"t m0 x9bd h5 y66e8 ff4 fs2 fc3 sc0 ls2 ws1\">by selling financial </td><td class=\"t m0 x9c8 h9 y66e8 ff1 fs2 fc3 sc0 ls2 ws0\" colspan=\"2\">rebalanced to achieve matching of </td><td class=\"t m0 x9ca h9 y66e9 ff1 fs2 fc3 sc0 ls2 ws1\" colspan=\"2\">Unit<span class=\"_ _3eb\"> </span></td><td></td><td></td></tr><tr><td></td><td class=\"t m0 x9bd h9 y66ea ff1 fs2 fc3 sc0 ls2 ws1\">assets<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x9c8 h5 y66ea ff4 fs2 fc3 sc0 ls2 ws1\" colspan=\"2\">duration of assets and liabilities<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"c n x9c2 y66eb w51e h201\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls0 ws0\">\u2022<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c3 y66eb w52b h201\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls2 ws0\">Income streams come from interest<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"t m0 x9c8 h9 y66ec ff1 fs2 fc3 sc0 ls2 ws0\" colspan=\"2\">income, fair value changes, and </td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"t m0 x9c8 h5 y66ed ff4 fs2 fc3 sc0 ls2 ws1\" colspan=\"2\">impairment losses<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m0 x9bc h20 y66ee ff6 fs2 fc3 sc0 ls2 ws0\">Fair value </td><td class=\"t m0 x9bd h9 y66ee ff1 fs2 fc3 sc0 ls2 ws0\">All other business </td><td class=\"c n x9c2 y66ef w51e h201\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls0 ws0\">\u2022<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c3 y66ef w52c h201\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls2 ws0\">Assets held for trading<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c4 y66ef w520 h201\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls0 ws0\">\u2022<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c5 y66ef w527 h201\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls2 ws1\">Treasury<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c6 y66f0 w520 h203\"><div class=\"t m0 x1ed h5 y66b5 ff1 fs2 fc3 sc0 ls0 ws0\">\u2022<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c7 y66f0 w52d h239\"><div class=\"t m0 x1ed h5 y66b5 ff4 fs2 fc3 sc0 ls2 ws1\">Derivatives<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x9bc h20 y66f1 ff6 fs2 fc3 sc0 ls2 ws1\">through </td><td class=\"t m0 x9bd h5 y66f1 ff4 fs2 fc3 sc0 ls2 ws1\">objectives, </td><td class=\"c n x9c2 y66f2 w51e h203\"><div class=\"t m0 x1ed h5 y66b5 ff1 fs2 fc3 sc0 ls0 ws0\">\u2022<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c3 y66f2 w52e h239\"><div class=\"t m0 x1ed h5 y66b5 ff4 fs2 fc3 sc0 ls2 ws1\">Assets that are originated, purchased,<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x9ca h9 y66f1 ff1 fs2 fc3 sc0 ls2 ws1\" colspan=\"2\">Markets<span class=\"_ _3eb\"> </span></td><td class=\"c n x9c6 y66f3 w520 h201\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls0 ws0\">\u2022<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c7 y66f3 w52f h201\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls2 ws0\">Equity shares<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x9bc h20 y66f4 ff6 fs2 fc3 sc0 ls2 ws1\">profit </td><td class=\"t m0 x9bd h5 y66f4 ff4 fs2 fc3 sc0 ls2 ws1\">including trading </td><td class=\"t m0 x9c8 h9 y66f5 ff1 fs2 fc3 sc0 ls2 ws0\" colspan=\"2\">and sold for profit taking or </td><td class=\"c n x9c4 y66f6 w520 h203\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls0 ws0\">\u2022<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c5 y66f6 w529 h203\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls2 ws0\">Global Markets<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c6 y66f7 w520 h203\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls0 ws0\">\u2022<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c7 y66f7 w530 h203\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls2 ws1\">Trading<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x9bc h20 y66f8 ff7 fs2 fc3 sc0 ls2 ws1\">or<span class=\"_ gs36e\"> </span>loss<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x9bd h9 y66f8 ff1 fs2 fc3 sc0 ls2 ws0\">and managing </td><td class=\"t m0 x9c8 h5 y66f9 ff4 fs2 fc3 sc0 ls2 ws1\" colspan=\"2\">underwriting activity<span class=\"_ _3eb\"> </span></td><td class=\"c n x9c4 y66fa w520 h203\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls0 ws0\">\u2022<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c5 y66fa w531 h203\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls2 ws0\">All other<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x9c9 h9 y66fb ff1 fs2 fc3 sc0 ls2 ws1\" colspan=\"2\">portfolios<span class=\"_ _3eb\"> </span></td></tr><tr><td></td><td class=\"t m0 x9bd h5 y66fc ff4 fs2 fc3 sc0 ls2 ws1\">financial assets on </td><td class=\"c n x9c2 y66fd w51e h203\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls0 ws0\">\u2022<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c3 y66fd w532 h203\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls2 ws0\">Performance of the portfolio is<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"t m0 x9ca h9 y66fe ff1 fs2 fc3 sc0 ls2 ws0\">business lines<span class=\"_ _3eb\"> </span></td><td class=\"c n x9c6 y66ff w520 h203\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls0 ws0\">\u2022<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c7 y66ff w533 h203\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls2 ws0\">Reverse repos<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td class=\"t m0 x9bd h9 y6700 ff1 fs2 fc3 sc0 ls2 ws0\">a fair value basis<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x9c8 h9 y6701 ff1 fs2 fc3 sc0 ls2 ws0\" colspan=\"2\">evaluated on a fair value basis<span class=\"_ _3eb\"> </span></td><td></td><td></td><td class=\"c n x9c6 y6702 w520 h203\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls0 ws0\">\u2022<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c7 y6702 w534 h203\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls2 ws0\">Bond and Loan<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td></td><td class=\"c n x9c2 y6703 w51e h203\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls0 ws0\">\u2022<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c3 y6703 w535 h203\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls2 ws0\">Income streams are from fair value<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td></td><td class=\"t m0 x9c9 h5 y6704 ff4 fs2 fc3 sc0 ls2 ws1\">Syndication<span class=\"_ _3eb\"> </span></td></tr><tr><td></td><td></td><td></td><td class=\"t m0 x9c8 h9 y6705 ff1 fs2 fc3 sc0 ls2 ws0\">changes or trading gains or losses<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td></tr></table>Financial assets which have SPPI characteristics <span class=\"_ _7\"></span>and that are held within a business <span class=\"_ _7\"></span>model whose objective is to hold financial assets to collect contractual cashflows <span class=\"_ _7\"></span>(hold to collect) are recorded at amortised <span class=\"_ _7\"></span>cost. Conversely, financial assets<span class=\"_ gs36\"> </span>which have SPPI characteristics but are <span class=\"_ _7\"></span>held within a business model whose objective <span class=\"_ _7\"></span>is achieved by both collecting contractual cashflows and selling financial assets <span class=\"_ _7\"></span>(Hold to collect and sell) are classified <span class=\"_ _7\"></span>as held at FVOCI. Both hold <span class=\"_ _7\"></span>to collect and hold to collect and <span class=\"_ _7\"></span>sell business models involve holding financial assets <span class=\"_ _7\"></span>to collect the contractual cashflows. However, the business models are distinct <span class=\"_ _7\"></span>by reference to the frequency and significance <span class=\"_ _7\"></span>that asset sales play in meeting the<span class=\"_ gs36\"> </span>objective under which <span class=\"_ _7\"></span>a particular group of <span class=\"_ _1b\"></span>financial assets is managed. Hold to <span class=\"_ _7\"></span>collect business models <span class=\"_ _7\"></span>are characterised by<span class=\"_ gs36\"> </span>asset sales that are incidental to <span class=\"_ _7\"></span>meeting the objectives under which a group <span class=\"_ _7\"></span>of assets is managed. Sales of <span class=\"_ _7\"></span>assets under a<span class=\"_ gs36\"> </span>hold to collect business model can <span class=\"_ _7\"></span>be made to manage increases in the <span class=\"_ _7\"></span>credit risk of financial assets but <span class=\"_ _7\"></span>sales for other reasons should be infrequent or insignificant. <span class=\"_ _7\"></span>Cashflows from the sale of financial assets <span class=\"_ _7\"></span>under a hold to collect and <span class=\"_ _7\"></span>sell business model by contrast are integral <span class=\"_ _7\"></span>to achieving the objectives under which a <span class=\"_ _7\"></span>particular group of financial assets are managed. This may be the case <span class=\"_ _7\"></span>where frequent sales of financial assets are <span class=\"_ _7\"></span>required to manage the Group\u2019s daily <span class=\"_ _7\"></span>liquidity requirements or to meet regulatory requirements <span class=\"_ _7\"></span>to demonstrate liquidity of financial instruments. Sales <span class=\"_ _7\"></span>of assets under hold<span class=\"_ gs36\"> </span>to collect and sell business models <span class=\"_ _7\"></span>are therefore both more frequent and more <span class=\"_ _7\"></span>significant in value than those under the<span class=\"_ gs36\"> </span>hold to collect model.<span class=\"_ _3eb\"> </span>Equity instruments <span class=\"_ _7\"></span>designated as <span class=\"_ _7\"></span>held at <span class=\"_ _7\"></span>FVOCI<span class=\"_ _3eb\"> </span>Non-trading equity instruments acquired for strategic purposes rather than capital gain may be irrevocably designated at initial recognition as held at FVOCI <span class=\"_ _7\"></span>on an instrument-by-instrument basis. Dividends received are <span class=\"_ _7\"></span>recognised in profit or loss. Gains and losses arising from changes <span class=\"_ _7\"></span>in the fair value of these instruments, <span class=\"_ _7\"></span>including foreign exchange gains and losses, are<span class=\"_ gs36\"> </span>recognised directly in equity and are <span class=\"_ _7\"></span>never reclassified to profit or loss even <span class=\"_ _7\"></span>on derecognition<span class=\"_ _3eb\"> </span>.<span class=\"_ _3eb\"> </span>Mandatorily classified <span class=\"_ _7\"></span>at fair <span class=\"_ _7\"></span>value through <span class=\"_ _7\"></span>profit or <span class=\"_ _7\"></span>loss<span class=\"_ _3eb\"> </span>Financial assets and liabilities which are <span class=\"_ _7\"></span>mandatorily held at fair value through profit <span class=\"_ _7\"></span>or loss are split between two subcategories as follows:<span class=\"_ _3eb\"> </span>Trading, including:  <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">Financial assets and liabilities held for trading, which are those acquired principally <span class=\"_ _7\"></span>for the purpose of selling </span>in<span class=\"_ gs36\"> </span>the<span class=\"_ gs36\"> </span>short-term <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">Derivatives.<span class=\"_ _3eb\"> </span></span>Non-trading mandatorily at fair value through <span class=\"_ _7\"></span>profit or loss, including: <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">Instruments in a business which has a fair value business model (see <span class=\"_ _7\"></span>the Group\u2019s business model assessment) which </span>are<span class=\"_ gs36\"> </span>not trading or derivatives <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">Hybrid financial assets that contain one or more embedded derivatives</span> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">Financial assets that would otherwise be measured at amortised cost or FVOCI <span class=\"_ _7\"></span>but which do not have SPPI <span class=\"_ _7\"></span>characteristics</span> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ls2\">Equity instruments that have not been designated as held at FVOCI</span> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">Financial liabilities that constitute contingent consideration in a business combination.<span class=\"_ _3eb\"> </span></span>Designated at <span class=\"_ _7\"></span>fair value <span class=\"_ _7\"></span>through profit <span class=\"_ _7\"></span>or loss<span class=\"_ _3eb\"> </span>Financial assets and liabilities may be <span class=\"_ _7\"></span>designated at fair value through profit or <span class=\"_ _7\"></span>loss when the designation eliminates or<span class=\"_ gs36\"> </span>significantly reduces a measurement or recognition <span class=\"_ _7\"></span>inconsistency that would otherwise arise from measuring <span class=\"_ _7\"></span>assets or<span class=\"_ gs36\"> </span>liabilities on a different basis (\u2018accounting <span class=\"_ _7\"></span>mismatch\u2019).<span class=\"_ _3eb\"> </span>Financial liabilities may also be designated <span class=\"_ _7\"></span>at fair value through profit or loss <span class=\"_ _7\"></span>where they are managed on a <span class=\"_ _7\"></span>fair value basis<span class=\"_ gs36\"> </span>or have an embedded derivative where <span class=\"_ _7\"></span>the Group is not able to separately <span class=\"_ _7\"></span>value, and thus bifurcate, the embedded derivative component.<span class=\"_ _3eb\"> </span>Financial liabilities <span class=\"_ _7\"></span>held at <span class=\"_ _7\"></span>amortised cost<span class=\"_ _3eb\"> </span>Financial liabilities that are not financial <span class=\"_ _7\"></span>guarantees or loan commitments and that are <span class=\"_ _7\"></span>not classified as financial liabilities held at fair value through profit <span class=\"_ _7\"></span>or loss are classified as financial liabilities <span class=\"_ _7\"></span>held at amortised cost.<span class=\"_ _3eb\"> </span>Preference shares which carry a mandatory coupon that represents a market rate of interest at the issue date, or which are<span class=\"_ gs36\"> </span>redeemable on a specific date or <span class=\"_ _7\"></span>at the option of the shareholder are <span class=\"_ _7\"></span>classified as financial liabilities and are <span class=\"_ _7\"></span>presented in<span class=\"_ gs36\"> </span>other borrowed funds. The dividends on <span class=\"_ _7\"></span>these preference shares are recognised in the <span class=\"_ _7\"></span>income statement as interest expense on an amortised cost basis <span class=\"_ _7\"></span>using the effective interest method.<span class=\"_ _3eb\"> </span>Financial guarantee <span class=\"_ _7\"></span>contracts and <span class=\"_ _7\"></span>loan commitments<span class=\"_ _3eb\"> </span>The Group issues financial guarantee contracts <span class=\"_ _7\"></span>and loan commitments in return for fees. <span class=\"_ _7\"></span>Financial guarantee contracts and<span class=\"_ gs36\"> </span>any loan commitments issued at below-market <span class=\"_ _7\"></span>interest rates are initially recognised at their <span class=\"_ _7\"></span>fair value as a financial liability and subsequently measured at the <span class=\"_ _7\"></span>higher of the initial value less the <span class=\"_ _7\"></span>cumulative amount of income recognised in<span class=\"_ gs36\"> </span>accordance with the principles of IFRS <span class=\"_ _7\"></span>15 Revenue from Contracts with Customers and <span class=\"_ _7\"></span>their expected credit loss provision. Loan commitments may be designated at fair value through profit or loss where that is the business model under which such<span class=\"_ gs36\"> </span>contracts are held.<span class=\"_ _3eb\"> </span>Fair value <span class=\"_ _7\"></span>of financial <span class=\"_ _7\"></span>assets and <span class=\"_ _7\"></span>liabilities<span class=\"_ _3eb\"> </span>The fair value of financial instruments <span class=\"_ _7\"></span>is generally measured on the basis of <span class=\"_ _7\"></span>the individual financial instrument. However, when a group of financial assets <span class=\"_ _7\"></span>and financial liabilities is managed on the <span class=\"_ _7\"></span>basis of its net exposure to <span class=\"_ _7\"></span>either market risk or<span class=\"_ gs36\"> </span>credit risk, the fair value of <span class=\"_ _7\"></span>the group of financial instruments is measured <span class=\"_ _7\"></span>on a net basis.<span class=\"_ _3eb\"> </span>The fair values of quoted financial <span class=\"_ _7\"></span>assets and liabilities in active markets are <span class=\"_ _7\"></span>based on current prices. A market <span class=\"_ _7\"></span>is regarded as<span class=\"_ gs36\"> </span>active if transactions <span class=\"_ _7\"></span>for the asset or <span class=\"_ _1b\"></span>liability take place with sufficient frequency <span class=\"_ _7\"></span>and volume to <span class=\"_ _7\"></span>provide pricing information on an ongoing basis. If the <span class=\"_ _7\"></span>market for a financial instrument, and for <span class=\"_ _7\"></span>unlisted securities, is not active, the <span class=\"_ _7\"></span>Group establishes fair value by using valuation techniques<span class=\"_ _3eb\"> </span>.<span class=\"_ _3eb\"> </span>Initial recognition<span class=\"_ _3eb\"> </span>Regular way purchases and sales of <span class=\"_ _7\"></span>financial assets held at fair value through <span class=\"_ _7\"></span>profit or loss, and held at <span class=\"_ _7\"></span>fair value through other comprehensive income, are initially recognised <span class=\"_ _7\"></span>on the trade date (the date on <span class=\"_ _7\"></span>which the Group commits to purchase or<span class=\"_ gs36\"> </span>sell the asset). Loans and advances <span class=\"_ _7\"></span>and other financial assets held at amortised <span class=\"_ _7\"></span>cost are recognised on the settlement date (the date on which cash <span class=\"_ _7\"></span>is advanced to the borrowers).<span class=\"_ _3eb\"> </span>All financial instruments are initially recognised <span class=\"_ _7\"></span>at fair value, which is normally the <span class=\"_ _7\"></span>transaction price, plus directly attributable transaction costs for financial assets and <span class=\"_ _7\"></span>liabilities which are not subsequently measured at <span class=\"_ _7\"></span>fair value through profit or loss.<span class=\"_ _3eb\"> </span>In certain circumstances, the initial fair <span class=\"_ _7\"></span>value may be based on a valuation <span class=\"_ _7\"></span>technique which may lead to the <span class=\"_ _7\"></span>recognition of profits or losses at the time <span class=\"_ _7\"></span>of initial recognition. However, these profits or <span class=\"_ _7\"></span>losses can only be recognised when <span class=\"_ _7\"></span>the valuation technique used is based solely on <span class=\"_ _7\"></span>observable market data. In those cases where <span class=\"_ _7\"></span>the initially recognised fair value is <span class=\"_ _7\"></span>based on<span class=\"_ gs36\"> </span>a valuation model that uses unobservable <span class=\"_ _7\"></span>inputs, the difference between the transaction price <span class=\"_ _7\"></span>and the valuation model is<span class=\"_ gs36\"> </span>not recognised immediately in the income <span class=\"_ _7\"></span>statement, it will be recognised in profit <span class=\"_ _7\"></span>or loss following the passage of <span class=\"_ _7\"></span>time, or<span class=\"_ gs36\"> </span>as the inputs become observable, or <span class=\"_ _7\"></span>the transaction matures or is terminated.<span class=\"_ _3eb\"> </span>Subsequent measurement<span class=\"_ _3eb\"> </span>Financial assets <span class=\"_ _7\"></span>and financial <span class=\"_ _7\"></span>liabilities held <span class=\"_ _7\"></span>at amortised <span class=\"_ _7\"></span>cost<span class=\"_ _3eb\"> </span>Financial assets and financial liabilities held <span class=\"_ _7\"></span>at amortised cost are subsequently carried at <span class=\"_ _7\"></span>amortised cost using the effective<span class=\"_ gs36\"> </span>interest method (see \u2018Interest income and <span class=\"_ _7\"></span>expense\u2019). Foreign exchange gains and losses are <span class=\"_ _7\"></span>recognised in the income statement.<span class=\"_ _3eb\"> </span>Where a financial instrument carried at <span class=\"_ _7\"></span>amortised cost is the hedged item in <span class=\"_ _7\"></span>a qualifying fair value hedge relationship, its<span class=\"_ gs36\"> </span>carrying value is adjusted by the <span class=\"_ _7\"></span>fair value gain or loss attributable to <span class=\"_ _7\"></span>the hedged risk.<span class=\"_ _3eb\"> </span>Financial assets <span class=\"_ _7\"></span>held at <span class=\"_ _7\"></span>FVOCI<span class=\"_ _3eb\"> </span>Debt instruments held at FVOCI are <span class=\"_ _7\"></span>subsequently carried at fair value, with all <span class=\"_ _7\"></span>unrealised gains and losses arising from changes in fair value recognised in <span class=\"_ _7\"></span>other comprehensive income and accumulated in a <span class=\"_ _7\"></span>separate component of equity. Foreign exchange gains and losses on <span class=\"_ _7\"></span>the amortised cost are recognised in income. <span class=\"_ _7\"></span>Changes in expected credit losses are recognised in the profit or loss <span class=\"_ _7\"></span>and are accumulated in equity. On derecognition, <span class=\"_ _7\"></span>the cumulative fair value gains or <span class=\"_ _7\"></span>losses, net<span class=\"_ gs36\"> </span>of the cumulative expected credit loss <span class=\"_ _7\"></span>reserve, are transferred to the profit or <span class=\"_ _7\"></span>loss. Equity investments designated at FVOCI are <span class=\"_ _7\"></span>subsequently carried at fair value with all <span class=\"_ _7\"></span>unrealised gains and losses arising from changes in fair value (including <span class=\"_ _7\"></span>any related foreign exchange gains or losses) <span class=\"_ _7\"></span>recognised in other comprehensive income and accumulated in a separate <span class=\"_ _7\"></span>component of equity. On derecognition, the cumulative <span class=\"_ _7\"></span>reserve is transferred to<span class=\"_ gs36\"> </span>retained earnings and is not recycled <span class=\"_ _7\"></span>to profit or loss.<span class=\"_ _3eb\"> </span>Financial assets <span class=\"_ _7\"></span>and liabilities <span class=\"_ _7\"></span>held at <span class=\"_ _7\"></span>fair value <span class=\"_ _7\"></span>through profit <span class=\"_ _7\"></span>or loss<span class=\"_ _3eb\"> </span>Gains and losses arising from changes <span class=\"_ _7\"></span>in fair value, including contractual interest income <span class=\"_ _7\"></span>or expense, recorded in the net trading income line in the profit <span class=\"_ _7\"></span>or loss. Derecognition of <span class=\"_ _7\"></span>financial instruments<span class=\"_ _3eb\"> </span>Financial assets which are subject to <span class=\"_ _7\"></span>commercial refinancing where the loan is priced <span class=\"_ _7\"></span>to the market with no payment <span class=\"_ _7\"></span>related concessions regardless of form of legal <span class=\"_ _7\"></span>documentation or nature of lending will be <span class=\"_ _7\"></span>derecognised. Where the Group\u2019s rights to<span class=\"_ gs36\"> </span>the cash flows under the original <span class=\"_ _7\"></span>contract have expired, the old loan is <span class=\"_ _7\"></span>derecognised, and the new loan is <span class=\"_ _7\"></span>recognised at fair value. For all other modifications <span class=\"_ _7\"></span>for example forborne loans or restructuring, whether <span class=\"_ _7\"></span>or not a change in the <span class=\"_ _7\"></span>cash flows is<span class=\"_ gs36\"> </span>\u2018substantially different\u2019 is judgemental and will <span class=\"_ _7\"></span>be considered on a case-by-case basis, taking <span class=\"_ _7\"></span>into account all the relevant facts and circumstances.<span class=\"_ _3eb\"> </span>On derecognition of a financial asset, <span class=\"_ _7\"></span>the difference between the carrying amount of <span class=\"_ _7\"></span>the asset (or the carrying amount allocated to the portion of the <span class=\"_ _7\"></span>asset derecognised) and the sum of the <span class=\"_ _7\"></span>consideration received (including any new asset obtained less any new liability assumed) <span class=\"_ _7\"></span>and any cumulative gain or loss that <span class=\"_ _7\"></span>had been recognised in other comprehensive income is recognised in profit or <span class=\"_ _7\"></span>loss except for equity instruments elected FVOCI <span class=\"_ _7\"></span>(see above) and cumulative fair value adjustments attributable to the credit risk <span class=\"_ _7\"></span>of a liability that are held in <span class=\"_ _7\"></span>other comprehensive income.<span class=\"_ _3eb\"> </span>Financial liabilities are derecognised when they <span class=\"_ _7\"></span>are extinguished. A financial liability is extinguished <span class=\"_ _7\"></span>when the obligation is<span class=\"_ gs36\"> </span>discharged, cancelled or expires and this <span class=\"_ _7\"></span>is evaluated both qualitatively and quantitatively. However, where a financial liability has <span class=\"_ _7\"></span>been modified, it is derecognised if the <span class=\"_ _7\"></span>difference between the modified cash flows and the original cash flows is <span class=\"_ _7\"></span>more than 10 per cent, or if <span class=\"_ _7\"></span>less than 10 per cent, the <span class=\"_ _7\"></span>Group will perform a qualitative assessment to determine whether the terms <span class=\"_ _7\"></span>of the two instruments are substantially different. <span class=\"_ _7\"></span>If the Group purchases its own<span class=\"_ gs36\"> </span>debt, it is derecognised and the <span class=\"_ _7\"></span>difference between the carrying amount of the <span class=\"_ _7\"></span>liability and the consideration paid is<span class=\"_ gs36\"> </span>included in \u2018Other income\u2019 except for <span class=\"_ _7\"></span>the cumulative fair value adjustments attributable to <span class=\"_ _7\"></span>the credit risk of a liability <span class=\"_ _7\"></span>that are<span class=\"_ gs36\"> </span>held in Other comprehensive income, which <span class=\"_ _7\"></span>are never recycled to the profit or <span class=\"_ _7\"></span>loss.<span class=\"_ _3eb\"> </span>Modified financial <span class=\"_ _7\"></span>instruments<span class=\"_ _3eb\"> </span>Financial assets and financial liabilities whose <span class=\"_ _7\"></span>original contractual terms have been modified, including <span class=\"_ _7\"></span>those loans subject to forbearance strategies, are considered to <span class=\"_ _7\"></span>be modified instruments. Modifications may include changes <span class=\"_ _7\"></span>to the tenor, cash<span class=\"_ gs36\"> </span>flows and or interest rates among <span class=\"_ _7\"></span>other factors. Where derecognition of financial assets is <span class=\"_ _7\"></span>appropriate (see Derecognition), the newly recognised residual <span class=\"_ _7\"></span>loans are assessed to determine whether the assets should <span class=\"_ _7\"></span>be classified as purchased or originated credit-impaired <span class=\"_ _7\"></span>assets (POCI). Where derecognition is not appropriate, the gross <span class=\"_ _7\"></span>carrying amount of the applicable instruments is <span class=\"_ _7\"></span>recalculated as the present value of the renegotiated or modified <span class=\"_ _7\"></span>contractual cash flows discounted at the original <span class=\"_ _7\"></span>effective interest rate (or credit adjusted effective interest rate for POCI <span class=\"_ _7\"></span>financial assets). The difference between the recalculated values <span class=\"_ _7\"></span>and the pre-modified gross carrying values of <span class=\"_ _7\"></span>the instruments are recorded as a modification gain or loss <span class=\"_ _7\"></span>in the profit or loss. Gains and <span class=\"_ _7\"></span>losses arising from modifications for credit <span class=\"_ _7\"></span>reasons are recorded as part of \u2018Credit Impairment\u2019 (see <span class=\"_ _7\"></span>Credit Impairment policy). Modification gains and losses arising from <span class=\"_ _7\"></span>non-credit reasons are recognised either as part <span class=\"_ _7\"></span>of \u2018Credit Impairment\u2019 or within<span class=\"_ gs36\"> </span>income depending on whether there has <span class=\"_ _7\"></span>been a change in the credit risk <span class=\"_ _7\"></span>on the financial asset subsequent to <span class=\"_ _7\"></span>the modification. Modification gains and losses arising <span class=\"_ _7\"></span>on financial liabilities are recognised within income. <span class=\"_ _7\"></span>The movements in<span class=\"_ gs36\"> </span>the applicable expected credit loss loan <span class=\"_ _7\"></span>positions are disclosed in further detail in <span class=\"_ _7\"></span>Risk Review.<span class=\"_ _3eb\"> </span><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs3f7\">The Group\u2019s classification of its financial <span class=\"_ _7\"></span>assets and liabilities is summarised in the <span class=\"_ _7\"></span>following tables.<span class=\"_ _3eb\"> </span></div><div class=\"gs3f8\"><table class=\"s w536 h240\" id=\"_d548c618-7a25-4a3a-90f5-bd722ff9f15e\"><tr><td></td><td></td><td></td><td></td><td></td><td class=\"t m0 x9cb h14f y6706 ff5 fs64 fc0 sc0 ls50 ws5b\">Assets at fair value<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"t m0 x9cc h14f y6707 ff5 fs64 fc0 sc0 ls50 ws5b\" colspan=\"2\">Non-trading </td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"t m0 x9cd h14f y6708 ff5 fs64 fc0 sc0 ls50 ws5b\">mandatorily </td><td class=\"t m0 x9ce h14f y6708 ff5 fs64 fc0 sc0 ls50 ws5b\" colspan=\"2\">Designated </td><td class=\"c n x606 y6709 w537 h21e\"><div class=\"t m0 x1ed h14f y6611 ff5 fs64 fc0 sc0 ls50 ws5b\">Fair value</div></td><td class=\"t m0 x9cf h14f y6708 ff5 fs64 fc0 sc0 ls50 ws5b\">Total </td><td class=\"t m0 x9d0 h14f y6708 ff5 fs64 fc0 sc0 ls50 ws5b\">Assets<span class=\"_ _3eb\"> </span></td><td></td></tr><tr><td></td><td></td><td></td><td class=\"t m0 x5fd h14f y670a ff5 fs64 fc0 sc0 ls50 ws5b\">Derivatives </td><td class=\"t m0 x9cd h14f y670a ff5 fs64 fc0 sc0 ls50 ws5b\" colspan=\"2\">at fair value </td><td class=\"c x9d2 y670b w538 h21e\" colspan=\"2\"><div class=\"t m0 x1ed h14f y6611 ff5 fs64 fc0 sc0 ls50 ws5b\">at fair value<span class=\"_ _3eb\"> </span></div><div class=\"t m0 x9d1 h14f y6611 ff5 fs64 fc0 sc0 ls50 ws5b\">through other</div></td><td class=\"t m0 x9d3 h14f y670a ff5 fs64 fc0 sc0 ls50 ws5b\">financial </td><td class=\"t m0 x9d4 h14f y670a ff5 fs64 fc0 sc0 ls50 ws5b\">held at </td><td></td></tr><tr><td></td><td></td><td></td><td class=\"t m0 x8f7 h14f y670c ff5 fs64 fc0 sc0 ls50 ws5b\">held for </td><td class=\"t m0 x9cb h14f y670c ff5 fs64 fc0 sc0 ls50 ws5b\">through </td><td class=\"c n x9d5 y670d w539 h21e\"><div class=\"t m0 x1ed h14f y6611 ff5 fs64 fc0 sc0 ls50 ws5b\">through</div></td><td class=\"t m0 x9d6 h14f y670c ff5 fs64 fc0 sc0 ls50 ws5b\">comprehensive </td><td class=\"t m0 x9d3 h14f y670c ff2 fs64 fc0 sc0 ls50 ws0\">assets at </td><td class=\"t m0 x9d7 h14f y670c ff5 fs64 fc0 sc0 ls50 ws5b\">amortised </td><td></td></tr><tr><td></td><td></td><td class=\"t m0 x536 h14f y670e ff5 fs64 fc0 sc0 ls50 ws5b\">Trading<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x403 h14f y670e ff5 fs64 fc0 sc0 ls50 ws5b\">hedging<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x9cd h14f y670e ff5 fs64 fc0 sc0 ls50 ws5b\">profit<span class=\"_ gs3f9\"> </span>or loss<span class=\"_ _3eb\"> </span></td><td class=\"c n x9d2 y670f w53a h21e\"><div class=\"t m0 x1ed h14f y6611 ff5 fs64 fc0 sc0 ls50 ws5b\">profit<span class=\"_ gs3f9\"> </span>or loss</div></td><td class=\"t m0 x544 h14f y670e ff5 fs64 fc0 sc0 ls50 ws5b\">income<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x9d8 h14f y670e ff5 fs64 fc0 sc0 ls50 ws5b\">fair<span class=\"_ gs3f9\"> </span>value<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x9d9 h14f y670e ff2 fs64 fc0 sc0 ls50 ws5b\">cost<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x53d h14f y670e ff5 fs64 fc0 sc0 ls50 ws5b\">Total<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c n x1ee y6710 w53b h209\"><div class=\"t m0 x1ed h151 y6597 ff1 fs64 fc3 sc0 ls50 ws5b\">Assets<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9da y6710 w53c h209\"><div class=\"t m0 x1ed h151 y6597 ff1 fs64 fc3 sc0 ls50 ws5b\">Notes</div></td><td class=\"t m0 x536 h14f y6711 ff5 fs64 fc0 sc0 ls50 ws5b\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x8f7 h14f y6711 ff5 fs64 fc0 sc0 ls50 ws5b\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x9cb h14f y6711 ff5 fs64 fc0 sc0 ls50 ws5b\">$million<span class=\"_ _3eb\"> </span></td><td class=\"c n x9d5 y6712 w53d h21e\"><div class=\"t m0 x1ed h14f y6611 ff5 fs64 fc0 sc0 ls50 ws5b\">$million</div></td><td class=\"t m0 x544 h14f y6711 ff5 fs64 fc0 sc0 ls50 ws5b\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x545 h14f y6711 ff5 fs64 fc0 sc0 ls50 ws5b\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x546 h14f y6711 ff5 fs64 fc0 sc0 ls50 ws5b\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x547 h14f y6711 ff5 fs64 fc0 sc0 ls50 ws5b\">$million<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c x1ee y6713 w53e h241\"><div class=\"t m0 x1ed hba y65a9 ff1 fs7 fc3 sc0 ls7 ws0\">Cash and balances at central banks</div><div class=\"t m0 x9db hd1 y65aa ff1 fs61 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n x9dc y6714 w14d h20c\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9dd y6714 w14d h20c\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9de y6714 w14e h20c\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9df y6714 w14f h20c\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9e0 y6714 w14d h20c\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9e1 y6714 w14f h20c\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9e2 y6714 w53f h20c\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">77,746<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9e3 y6714 w53f h20c\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">77,746<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y6717 w540 h242\"><div class=\"t m0 x1ed h13 y6715 ff5 fs7 fc3 sc0 ls7 ws7\">Financial assets held at fair value through profit <span class=\"_ _7\"></span>or<span class=\"_ _3eb\"> </span></div><div class=\"t m0 x1ed h13 y6716 ff5 fs7 fc3 sc0 ls7 ws7\">loss<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x40b y6718 w541 h241\"><div class=\"t m0 x1ed hba y65a9 ff1 fs7 fc3 sc0 ls7 ws0\">Loans and advances to banks</div><div class=\"t m0 x9e4 hd1 y65aa ff1 fs61 fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n x9e5 y6719 w542 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">2,984<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9e6 y6719 w14e h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9e7 y6719 w14e h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9e8 y6719 w14f h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9e9 y6719 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9ea y6719 w542 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">2,984<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9eb y6719 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9ec y6719 w542 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">2,984<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x40b y671a w543 h241\"><div class=\"t m0 x1ed hba y65a9 ff1 fs7 fc3 sc0 ls7 ws0\">Loans and advances to customers</div><div class=\"t m0 x9ed hd1 y65aa ff1 fs61 fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n x9e5 y671b w544 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">12,152<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9ee y671b w14e h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9ef y671b w545 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">203<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9f0 y671b w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9f1 y671b w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9f2 y671b w546 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">12,355<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9f3 y671b w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9f4 y671b w546 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">12,355<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x40a hb y671c ff4 fs7 fc3 sc0 ls7 ws7\">Reverse repurchase agreements and other similar </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x40b y671d w547 h20d\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws0\">secured lending<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9f5 y671d w1ac h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">16<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9f6 y671d w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9f7 y671d w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9f8 y671d w548 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">84,130<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9f9 y671d w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9fa y671d w14f h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9fb y671d w549 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">84,130<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9fc y671d w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9fd y671d w54a h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">84,130<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x40b y671f w54b h243\"><div class=\"t m0 x1ed hb y671e ff4 fs7 fc3 sc0 ls7 ws7\">Debt securities, alternative tier one and other<span class=\"_ _3eb\"> </span></div><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">eligible bills<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n x9fe y671f w54c h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">86,531<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9ff y671f w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa00 y671f w54d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">130<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa01 y671f w54e h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">43<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa02 y671f w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa03 y671f w54f h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">86,704<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa04 y671f w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa05 y671f w54f h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">86,704<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x40b y6720 w550 h20d\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws0\">Equity shares<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n xa06 y6720 w551 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">8,946<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa07 y6720 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa08 y6720 w552 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">138<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa09 y6720 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa0a y6720 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa0b y6720 w553 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">9,084<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa0c y6720 w14f h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa0d y6720 w553 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">9,084<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td></td><td class=\"c n xa0e y6721 w77 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">110,613<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa0f y6721 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa10 y6721 w554 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">84,601<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa11 y6721 w54e h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">43<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa12 y6721 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa13 y6721 w555 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">195,257<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa14 y6721 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa15 y6721 w555 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">195,257<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6722 w556 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">Derivative financial instruments<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa16 y6722 w557 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">14<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa17 y6722 w558 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">64,023<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa18 y6722 w559 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">1,759<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa19 y6722 w14e h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa1a y6722 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa1b y6722 w14f h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa1c y6722 w55a h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">65,782<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa1d y6722 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa1e y6722 w55a h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">65,782<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y6723 w55b h241\"><div class=\"t m0 x1ed hba y65a9 ff1 fs7 fc3 sc0 ls7 ws0\">Loans and advances to banks</div><div class=\"t m0 xa1f hd1 y65aa ff1 fs61 fc3 sc0 ls44 ws49\">2,3<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa20 y6724 w55c h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">15<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa21 y6724 w14e h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa22 y6724 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa23 y6724 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa24 y6724 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa25 y6724 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa26 y6724 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa27 y6724 w55d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">43,901<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa28 y6724 w55d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">43,901<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x40b y6725 w55e h243\"><div class=\"t m0 x1ed hb y671e ff4 fs7 fc3 sc0 ls7 ws7\">Of which \u2013 reverse repurchase agreements and<span class=\"_ _3eb\"> </span></div><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">other similar secured lending<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa29 y6725 w1ac h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">16<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa2a y6725 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa2b y6725 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa2c y6725 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa2d y6725 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa2e y6725 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa2f y6725 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa30 y6725 w55f h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">3,724<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa31 y6725 w55f h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">3,724<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y6726 w560 h241\"><div class=\"t m0 x1ed hba y65a9 ff1 fs7 fc3 sc0 ls7 ws0\">Loans and advances to customers</div><div class=\"t m0 xa32 hd1 y65aa ff1 fs61 fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa20 y6727 w55c h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">15<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa21 y6727 w14e h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa22 y6727 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa23 y6727 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa24 y6727 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa25 y6727 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa26 y6727 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa33 y6727 w2e5 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">286,788<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa34 y6727 w2e5 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">286,788<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x40b y6728 w55e h243\"><div class=\"t m0 x1ed hb y671e ff4 fs7 fc3 sc0 ls7 ws7\">Of which \u2013 reverse repurchase agreements and<span class=\"_ _3eb\"> </span></div><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">other similar secured lending<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa29 y6728 w1ac h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">16<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa2a y6728 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa2b y6728 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa2c y6728 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa2d y6728 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa2e y6728 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa2f y6728 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa35 y6728 w561 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">8,242<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa36 y6728 w562 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">8,242<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x221 h13 y6729 ff5 fs7 fc3 sc0 ls7 ws7\">Investment securities<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x40b y672a w54b h243\"><div class=\"t m0 x1ed hb y671e ff4 fs7 fc3 sc0 ls7 ws7\">Debt securities, alternative tier one and other<span class=\"_ _3eb\"> </span></div><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">eligible bills<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n xa37 y672a w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa38 y672a w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa39 y672a w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa3a y672a w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa3b y672a w563 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">108,503<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa3c y672a w564 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">108,503<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa3d y672a w565 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">57,250<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa3e y672a w566 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">165,753<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x40b y672b w550 h212\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws0\">Equity shares<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n xa3f y672b w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa40 y672b w14e h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa41 y672b w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa42 y672b w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa43 y672b w567 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">1,203<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa44 y672b w567 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">1,203<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa45 y672b w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa46 y672b w16e h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">1,203<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td></td><td class=\"c n x9dc y672c w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9dd y672c w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9de y672c w14e h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9df y672c w14f h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa47 y672c w568 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">109,706<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa48 y672c w568 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">109,706<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa49 y672c w569 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">57,250<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa4a y672c w56a h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">166,956<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y672d w56b h212\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws0\">Other assets<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa4b y672d w56c h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">20<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td></td><td></td><td class=\"c n xa4c y672d w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa4d y672d w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa4e y672d w56d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">36,770<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa4f y672d w56d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">36,770<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y672e w56e h212\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws0\">Assets held for sale<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa50 y672e w18a h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">21<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa51 y672e w14e h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa52 y672e w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa53 y672e w14e h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa54 y672e w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa55 y672e w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa56 y672e w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa57 y672e w56f h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">1,042<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa58 y672e w56f h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">1,042<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y672f w570 h20b\"><div class=\"t m0 x1ed hb2 y65af ff5 fs7 fc3 sc0 ls7 ws7\">Total at 31 December 2025<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n xa59 y672f w571 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">174,636<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa5a y672f w572 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">1,759<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa5b y672f w554 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">84,601<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa5c y672f w573 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">43<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa5d y672f w574 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">109,706<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa5e y672f w575 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">370,745<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa5f y672f w576 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">503,497<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa60 y672f w577 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">874,242<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y6730 w53e h244\"><div class=\"t m0 x1ed hba y65a9 ff1 fs7 fc3 sc0 ls7 ws0\">Cash and balances at central banks</div><div class=\"t m0 x9db hd1 y65be ff1 fs61 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"c n x7b2 y6731 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa61 y6731 w578 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">63,447<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa62 y6731 w579 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">63,447<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x221 hb y6732 ff4 fs7 fc3 sc0 ls7 ws7\">Financial assets held at fair value through profit <span class=\"_ _7\"></span>or loss<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x40b y6733 w541 h241\"><div class=\"t m0 x1ed hba y65a9 ff1 fs7 fc3 sc0 ls7 ws0\">Loans and advances to banks</div><div class=\"t m0 x9e4 hd1 y65aa ff1 fs61 fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n xa63 y6734 w57a h212\"><div class=\"t m0 x1ed hb y659e ff1 fs7 fc3 sc0 ls7 ws7\">2,213<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa64 y6734 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa65 y6734 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa66 y6734 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa67 y6734 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa68 y6734 w57a h212\"><div class=\"t m0 x1ed hb y659e ff1 fs7 fc3 sc0 ls7 ws7\">2,213<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa69 y6734 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa6a y6734 w57b h212\"><div class=\"t m0 x1ed hb y659e ff1 fs7 fc3 sc0 ls7 ws7\">2,213<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x40b y6735 w543 h241\"><div class=\"t m0 x1ed hba y65a9 ff1 fs7 fc3 sc0 ls7 ws0\">Loans and advances to customers</div><div class=\"t m0 x9ed hd1 y65aa ff1 fs61 fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n xa6b y6736 w57c h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">6,912<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa6c y6736 w14e h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa6d y6736 w57d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">172<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa6e y6736 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa6f y6736 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa70 y6736 w57e h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">7,084<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa71 y6736 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa72 y6736 w57e h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">7,084<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x40a hb y6737 ff4 fs7 fc3 sc0 ls7 ws7\">Reverse repurchase agreements and other similar </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x40b y6738 w547 h212\"><div class=\"t m0 x1ed hb y659e ff1 fs7 fc3 sc0 ls7 ws0\">secured lending<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa73 y6738 w145 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">16<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa74 y6738 w57f h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">336<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa75 y6738 w14e h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa76 y6738 w580 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">85,859<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa77 y6738 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa78 y6738 w14f h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa79 y6738 w581 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">86,195<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa7a y6738 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa7b y6738 w582 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">86,195<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x40b y6739 w54b h20f\"><div class=\"t m0 x1ed hb y65a2 ff4 fs7 fc3 sc0 ls7 ws7\">Debt securities, alternative tier one and other<span class=\"_ _3eb\"> </span></div><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">eligible bills<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n xa7c y6739 w583 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">76,329<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa2b y6739 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa7d y6739 w584 h212\"><div class=\"t m0 x1ed hb y659e ff1 fs7 fc3 sc0 ls7 ws7\">140<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa7e y6739 w585 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">70<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa7f y6739 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa80 y6739 w586 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">76,539<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa81 y6739 w14f h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa82 y6739 w586 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">76,539<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x40b y673a w550 h212\"><div class=\"t m0 x1ed hb y659e ff1 fs7 fc3 sc0 ls7 ws0\">Equity shares<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n xa83 y673a w587 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">5,285<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa84 y673a w14e h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa85 y673a w171 h212\"><div class=\"t m0 x1ed hb y659e ff1 fs7 fc3 sc0 ls7 ws7\">201<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa42 y673a w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa86 y673a w14f h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa87 y673a w588 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">5,486<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa88 y673a w14f h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa89 y673a w588 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">5,486<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td></td><td class=\"c n x527 y673b w589 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">91,075<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa8a y673b w14e h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa8b y673b w58a h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">86,372<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa8c y673b w58b h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">70<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa8d y673b w14f h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa8e y673b w58c h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">177,517<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa8f y673b w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa90 y673b w58c h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">177,517<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y673c w556 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">Derivative financial instruments<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa91 y673c w58d h212\"><div class=\"t m0 x1ed hb y659e ff1 fs7 fc3 sc0 ls7 ws7\">14<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa92 y673c w58e h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">78,906<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa93 y673c w58f h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">2,566<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa94 y673c w14e h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa95 y673c w14f h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa96 y673c w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa97 y673c w32d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">81,472<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa98 y673c w14f h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa99 y673c w32d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">81,472<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y673d w55b h244\"><div class=\"t m0 x1ed hba y65a9 ff1 fs7 fc3 sc0 ls7 ws0\">Loans and advances to banks</div><div class=\"t m0 xa1f hd1 y65be ff1 fs61 fc3 sc0 ls44 ws49\">2,3<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa20 y673e w590 h212\"><div class=\"t m0 x1ed hb y659e ff1 fs7 fc3 sc0 ls7 ws7\">15<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa9a y673e w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa9b y673e w14e h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa9c y673e w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa9d y673e w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa9e y673e w14f h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa9f y673e w14f h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xaa0 y673e w591 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">43,593<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xaa1 y673e w591 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">43,593<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x40b y673f w55e h20f\"><div class=\"t m0 x1ed hb y65a2 ff4 fs7 fc3 sc0 ls7 ws7\">Of which \u2013 reverse repurchase agreements and<span class=\"_ _3eb\"> </span></div><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">other similar secured lending<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xaa2 y673f w145 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">16<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xaa3 y673f w14e h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xaa4 y673f w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xaa5 y673f w14e h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xaa6 y673f w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xaa7 y673f w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xaa8 y673f w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xaa9 y673f w592 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">2,946<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xaaa y673f w592 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">2,946<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y6740 w560 h241\"><div class=\"t m0 x1ed hba y65a9 ff1 fs7 fc3 sc0 ls7 ws0\">Loans and advances to customers</div><div class=\"t m0 xa32 hd1 y65aa ff1 fs61 fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa20 y6741 w590 h212\"><div class=\"t m0 x1ed hb y659e ff1 fs7 fc3 sc0 ls7 ws7\">15<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa9a y6741 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa9b y6741 w14e h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa9c y6741 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa9d y6741 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa9e y6741 w14f h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa9f y6741 w14f h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xaab y6741 w593 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">281,032<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xaac y6741 w593 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">281,032<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x40b y6742 w55e h20f\"><div class=\"t m0 x1ed hb y65a2 ff4 fs7 fc3 sc0 ls7 ws7\">Of which \u2013 reverse repurchase agreements and<span class=\"_ _3eb\"> </span></div><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">other similar secured lending<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n xaad y6742 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xaae y6742 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xaaf y6742 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xab0 y6742 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xab1 y6742 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xab2 y6742 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xab3 y6742 w594 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">9,660<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xab4 y6742 w595 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">9,660<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x221 hb y6743 ff4 fs7 fc3 sc0 ls7 ws7\">Investment securities<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x40b y6745 w54b h242\"><div class=\"t m0 x1ed hb y6744 ff4 fs7 fc3 sc0 ls7 ws7\">Debt securities, alternative tier one and other<span class=\"_ _3eb\"> </span></div><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">eligible bills<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n xa37 y6745 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa38 y6745 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa39 y6745 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa3a y6745 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xab5 y6745 w596 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">88,425<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xab6 y6745 w597 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">88,425<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xab7 y6745 w598 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">55,137<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xab8 y6745 w599 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">143,562<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x40b y6746 w550 h212\"><div class=\"t m0 x1ed hb y659e ff1 fs7 fc3 sc0 ls7 ws0\">Equity shares<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n xa3f y6746 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa40 y6746 w14e h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa41 y6746 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa42 y6746 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x45e y6746 w59a h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">994<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xab9 y6746 w59a h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">994<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa88 y6746 w14f h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xaba y6746 w59b h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">994<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td></td><td class=\"c n x9dc y6747 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9dd y6747 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9de y6747 w14e h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9df y6747 w14f h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xabb y6747 w2a9 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">89,419<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xabc y6747 w2a9 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">89,419<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xabd y6747 w598 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">55,137<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xabe y6747 w59c h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">144,556<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6748 w56b h212\"><div class=\"t m0 x1ed hb y659e ff1 fs7 fc3 sc0 ls7 ws0\">Other assets<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xabf y6748 w59d h212\"><div class=\"t m0 x1ed hb y659e ff1 fs7 fc3 sc0 ls7 ws7\">20<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td></td><td></td><td class=\"c n xac0 y6748 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xac1 y6748 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xac2 y6748 w59e h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">34,585<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xac3 y6748 w59e h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">34,585<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6749 w56e h212\"><div class=\"t m0 x1ed hb y659e ff1 fs7 fc3 sc0 ls7 ws0\">Assets held for sale<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xac4 y6749 w59f h212\"><div class=\"t m0 x1ed hb y659e ff1 fs7 fc3 sc0 ls7 ws7\">21<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xac5 y6749 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xac6 y6749 w14e h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xac7 y6749 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xac8 y6749 w5a0 h212\"><div class=\"t m0 x1ed hb y659e ff1 fs7 fc3 sc0 ls0 ws0\">5<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xac9 y6749 w14f h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xaca y6749 w5a0 h212\"><div class=\"t m0 x1ed hb y659e ff1 fs7 fc3 sc0 ls0 ws0\">5<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xacb y6749 w5a1 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">884<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xacc y6749 w5a2 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">889<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y674a w5a3 h20b\"><div class=\"t m0 x1ed hb y659e ff5 fs7 fc3 sc0 ls7 ws7\">Total at 31 December 2024<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n xacd y674a w5a4 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">169,981<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xace y674a w5a5 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">2,566<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xacf y674a w5a6 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">86,372<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xad0 y674a w5a7 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">75<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xad1 y674a w2a9 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">89,419<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xad2 y674a w5a8 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">348,413<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xad3 y674a w5a9 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">478,678<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xad4 y674a w5aa h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">827,091<span class=\"_ _3eb\"> </span></div></td></tr></table></div><div class=\"t m0 hb ff1 fs7 fc3 sc0 ls7 ws7 gs3fa\">1 <span class=\"_ _b\"> </span><span class=\"ff4\">Comprises cash held at central banks in restricted accounts of $11,630 million (31 <span class=\"_ _7\"></span>December 2024: $7,799 million), or on demand, or <span class=\"_ _7\"></span>placements which are </span></div><div class=\"t m0 hb ff4 fs7 fc3 sc0 ls7 ws7 gs3fb\">contractually due to mature over-night only. Other placements <span class=\"_ _7\"></span>with central banks are reported as part of <span class=\"_ _7\"></span>Loans and advances to customers.<span class=\"_ _3eb\"> </span></div><div class=\"t m0 hb ff1 fs7 fc3 sc0 ls7 ws7 gs3fc\">2 <span class=\"_ _f\"> </span><span class=\"ff4\">Further analysed in Risk review and Capital review (pages 218 to 308).<span class=\"_ _3eb\"> </span></span></div><div class=\"t m0 hb ff1 fs7 fc3 sc0 ls7 ws7 gs3fd\">3 <span class=\"_ _f\"> </span><span class=\"ff4\">Loans and advances to banks includes amounts due on demand from banks and <span class=\"_ _7\"></span>other central banks.<span class=\"_ _3eb\"> </span></span></div><div class=\"gs3ff\"><table class=\"s w5ab h245\" id=\"_87ab3af1-7f66-4a57-bb11-bedba7bc1241\"><tr><td></td><td></td><td></td><td></td><td class=\"t m0 xad5 h38 y674b ff5 fs17 fc0 sc0 ls21 ws20\">Liabilities at fair value<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"t m0 x2d3 h38 y674c ff5 fs17 fc0 sc0 ls21 ws20\">Designated at fair </td><td class=\"t m0 xad6 h38 y674c ff5 fs17 fc0 sc0 ls21 ws20\">Total financial </td><td></td><td></td></tr><tr><td></td><td></td><td></td><td class=\"t m0 x2d8 h38 y674d ff5 fs17 fc0 sc0 ls21 ws20\">Derivatives held </td><td class=\"t m0 xad7 h38 y674d ff5 fs17 fc0 sc0 ls21 ws20\">value through </td><td class=\"t m0 xad8 h38 y674d ff5 fs17 fc0 sc0 ls21 ws20\">liabilities at fair </td><td class=\"t m0 xad9 h38 y674d ff5 fs17 fc0 sc0 ls21 ws20\">Amortised<span class=\"_ _3eb\"> </span></td><td></td></tr><tr><td></td><td></td><td class=\"t m0 xada h38 y674e ff5 fs17 fc0 sc0 ls21 ws20\">Trading<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xadb h38 y674e ff5 fs17 fc0 sc0 ls21 ws20\">for hedging<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xadc h38 y674e ff5 fs17 fc0 sc0 ls21 ws20\">profit or loss<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xadd h38 y674e ff5 fs17 fc0 sc0 ls21 ws20\">value<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xade h38 y674e ff2 fs17 fc0 sc0 ls21 ws20\">cost<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x96f h38 y674e ff5 fs17 fc0 sc0 ls21 ws20\">Total<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c n x1ee y674f w5ac h215\"><div class=\"t m0 x1ed h2c y65c7 ff4 fs17 fc3 sc0 ls21 ws20\">Liabilities<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xadf y674f w5ad h205\"><div class=\"t m0 x1ed h2c y65c7 ff1 fs17 fc3 sc0 ls21 ws20\">Notes<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x2f7 h38 y6750 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x2c9 h38 y6750 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x4be h38 y6750 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x2fa h38 y6750 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x233 h38 y6750 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x4c2 h38 y6750 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c x1ee y6752 w5ae h246\"><div class=\"t m0 x1ed h1a y6751 ff4 fs5 fc3 sc0 ls5 ws5\">Financial liabilities held at<span class=\"_ gs1a1\"> </span>fair<span class=\"_ _3eb\"> </span></div><div class=\"t m0 x1ed h3b y6600 ff1 fs5 fc3 sc0 ls5 ws0\">value through profit or loss<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x236 y6753 wf2 h1fe\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Deposits by banks<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n xae0 y6753 w2bc h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xae1 y6753 w2bc h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xae2 y6753 w4a1 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">2,328<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xae3 y6753 w4a1 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">2,328<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xae4 y6753 w1cf h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xae5 y6753 w4a1 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">2,328<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x236 y6754 wf5 h1fe\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Customer accounts<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n xae6 y6754 w2bc h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xae7 y6754 w2bc h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xae8 y6754 w5af h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">19,414<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xae9 y6754 w5b0 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">19,414<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xaea y6754 w1d4 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xaeb y6754 w5af h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">19,414<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x236 y6755 w5b1 h247\"><div class=\"t m0 x1ed h3b y65dd ff1 fs5 fc3 sc0 ls5 ws0\">Repurchase agreements and<span class=\"_ _3eb\"> </span></div><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">other similar secured<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x236 y6756 w5b2 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">borrowing<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xaec y6756 w473 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">16<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xaed y6756 w2bc h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xaee y6756 w2bc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xaef y6756 w5b3 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">36,307<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xaf0 y6756 w5b3 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">36,307<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xaf1 y6756 w1cf h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xaf2 y6756 w5b3 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">36,307<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x236 y6757 w101 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">Debt securities in issue<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xaf3 y6757 wac h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">22<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xaf4 y6757 w2bc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xaf5 y6757 w2bc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xaf6 y6757 w5b4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">16,009<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xaf7 y6757 w5b4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">16,009<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xaf8 y6757 w1cf h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xaf9 y6757 w5b4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">16,009<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x236 y6758 w5b5 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">Short positions<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n xafa y6758 w5b6 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">15,539<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xafb y6758 w2bc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xafc y6758 w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xafd y6758 w5b6 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">15,539<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xafe y6758 w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xaff y6758 w5b7 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">15,539<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td></td><td class=\"c n xb00 y6759 w5b6 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">15,539<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb01 y6759 w2bc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb02 y6759 w5b8 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">74,058<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb03 y6759 wfd h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">89,597<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb04 y6759 w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb05 y6759 wfd h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">89,597<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y675a wc5 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">Derivative financial instruments<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb06 y675a w5b9 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">14<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb07 y675a w5ba h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">67,046<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb08 y675a w5bb h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">1,158<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb09 y675a w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb0a y675a w254 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">68,204<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb0b y675a w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb0c y675a w254 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">68,204<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y675b wf2 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Deposits by banks<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n xb0d y675b w2bc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb0e y675b w2bc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb0f y675b w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb10 y675b w1cf h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb11 y675b w5bc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">30,846<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb12 y675b wf3 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">30,846<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y675c wf5 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Customer accounts<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n xb13 y675c w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb14 y675c w2bc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb15 y675c w1cf h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb16 y675c w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb17 y675c w5bd h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">530,161<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x274 y675c w5bd h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">530,161<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y675d w5be h219\"><div class=\"t m0 x1ed h3b y65db ff1 fs5 fc3 sc0 ls5 ws0\">Repurchase agreements and<span class=\"_ _3eb\"> </span></div><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">other similar secured borrowing<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb18 y675d w473 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">16<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb19 y675d w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb1a y675d w2bc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb1b y675d w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb1c y675d w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb1d y675d w5bf h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">7,757<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb1e y675d wfa h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">7,757<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y675e w101 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">Debt securities in issue<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb1f y675e wac h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">22<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb20 y675e w2bc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb21 y675e w2bc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb22 y675e w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb23 y675e w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb24 y675e w103 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">72,858<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb25 y675e w103 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">72,858<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y675f w105 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">Other liabilities<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb26 y675f w1e6 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">23<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb27 y675f w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb28 y675f w2bc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb29 y675f w1cf h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb2a y675f w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb2b y675f w5c0 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">45,788<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb2c y675f w5c0 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">45,788<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y6760 w5c1 h216\"><div class=\"t m0 x1ed h1a y65db ff4 fs5 fc3 sc0 ls5 ws5\">Subordinated liabilities and<span class=\"_ _3eb\"> </span></div><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">other borrowed funds<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb2d y6760 w5c2 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">27<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb2e y6760 w2bc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb2f y6760 w2bc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb30 y6760 w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb31 y6760 w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb32 y6760 w5c3 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">8,834<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb33 y6760 w110 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">8,834<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x235 h1a y6761 ff4 fs5 fc3 sc0 ls5 ws5\">Liabilities included in disposal </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y6762 w5c4 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">groups held for sale<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb34 y6762 w74 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">21<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb35 y6762 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb36 y6762 w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb37 y6762 w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb38 y6762 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb39 y6762 w5c5 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">908<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb3a y6762 w5c6 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">908<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6763 w5c7 h203\"><div class=\"t m0 x1ed h3d y655f ff5 fs5 fc3 sc0 ls5 ws5\">Total at 31 December 2025<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n xb3b y6763 w5c8 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">82,585<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb3c y6763 w5c9 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">1,158<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb3d y6763 w5ca h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">74,058<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb3e y6763 w2f9 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">157,801<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb3f y6763 w5cb h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">697,152<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb40 y6763 w5cc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">854,953<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y6764 w5ae h246\"><div class=\"t m0 x1ed h1a y6751 ff4 fs5 fc3 sc0 ls5 ws5\">Financial liabilities held at<span class=\"_ gs1a1\"> </span>fair<span class=\"_ _3eb\"> </span></div><div class=\"t m0 x1ed h3b y6600 ff1 fs5 fc3 sc0 ls5 ws0\">value through profit or loss<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x236 y6765 wf2 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Deposits by banks<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n xae0 y6765 w2bc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xae1 y6765 w2bc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb41 y6765 w5cd h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">1,893<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb42 y6765 w329 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">1,893<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb43 y6765 w1cf h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb44 y6765 w329 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">1,893<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x236 y6766 wf5 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Customer accounts<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n xae6 y6766 w2bc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xae7 y6766 w2bc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb45 y6766 w5ce h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">21,772<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb46 y6766 w5ce h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">21,772<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb47 y6766 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb48 y6766 w5ce h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">21,772<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x236 y6767 w5b1 h221\"><div class=\"t m0 x1ed h3b y65dd ff1 fs5 fc3 sc0 ls5 ws0\">Repurchase agreements and<span class=\"_ _3eb\"> </span></div><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">other similar secured<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x236 y6768 w5b2 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">borrowing<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb49 y6768 w2b4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">16<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb4a y6768 w5cf h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">925<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb4b y6768 w2bc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb4c y6768 w5d0 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">32,614<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb4d y6768 w5d1 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">33,539<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb4e y6768 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb4f y6768 w5d1 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">33,539<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x236 y6769 w101 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Debt securities in issue<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb50 y6769 w5d2 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">22<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb51 y6769 w41a h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb52 y6769 w2bc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb53 y6769 w5d3 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">13,730<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb54 y6769 w5d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">13,731<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb55 y6769 w1cf h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb56 y6769 w5d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">13,731<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x236 y676a w5b5 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Short positions<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n xb57 y676a w5d5 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">14,527<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb52 y676a w2bc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb58 y676a w1cf h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb59 y676a w5d6 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">14,527<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb5a y676a w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb5b y676a w5d7 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">14,527<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td></td><td class=\"c n xb5c y676b w26b h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">15,453<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb5d y676b w2bc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb5e y676b w2a3 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">70,009<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb5f y676b wfe h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">85,462<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb60 y676b w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb61 y676b wfe h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">85,462<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y676c wc5 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Derivative financial instruments<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb62 y676c w5d8 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">14<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb63 y676c w5d9 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">80,037<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb64 y676c w27e h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">2,027<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb65 y676c w1cf h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb66 y676c w100 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">82,064<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb67 y676c w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb68 y676c w100 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">82,064<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y676d wf2 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Deposits by banks<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n xb0d y676d w2bc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb0e y676d w2bc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb0f y676d w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb10 y676d w1cf h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb69 y676d wf4 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">25,400<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb6a y676d w5da h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">25,400<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y676e wf5 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Customer accounts<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n xb13 y676e w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb14 y676e w2bc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb15 y676e w1cf h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb16 y676e w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb6b y676e wf7 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">464,489<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb6c y676e wf7 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">464,489<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y676f w5be h221\"><div class=\"t m0 x1ed h3b y65dd ff1 fs5 fc3 sc0 ls5 ws0\">Repurchase agreements and<span class=\"_ _3eb\"> </span></div><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">other similar secured borrowing<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb6d y676f w2b4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">16<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb6e y676f w2bc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb6f y676f w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb70 y676f w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb71 y676f w1cf h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb72 y676f w5db h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">12,132<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb73 y676f w5db h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">12,132<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6770 w101 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Debt securities in issue<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb74 y6770 w5d2 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">22<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb75 y6770 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb76 y6770 w2bc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb77 y6770 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb78 y6770 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb79 y6770 w104 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">64,609<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb7a y6770 w104 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">64,609<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6771 w105 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Other liabilities<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb7b y6771 w1ec h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">23<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb7c y6771 w2bc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb7d y6771 w2bc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb7e y6771 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb7f y6771 w1cf h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb80 y6771 w5dc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">44,047<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb81 y6771 w5dc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">44,047<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y6772 w5c1 h217\"><div class=\"t m0 x1ed h1a y65dd ff4 fs5 fc3 sc0 ls5 ws5\">Subordinated liabilities and<span class=\"_ _3eb\"> </span></div><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">other borrowed funds<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb82 y6772 w3ab h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">27<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb83 y6772 w2bc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb84 y6772 w2bc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb85 y6772 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb86 y6772 w1cf h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb87 y6772 w5dd h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">10,382<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb88 y6772 w5dd h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">10,382<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x235 h1a y6773 ff4 fs5 fc3 sc0 ls5 ws5\">Liabilities included in disposal </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y6774 w5c4 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">groups held for sale<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb89 y6774 w1e8 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">21<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb8a y6774 w2bc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb8b y6774 w2bc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb8c y6774 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb8d y6774 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb8e y6774 w5de h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">360<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb8f y6774 w5de h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">360<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6775 w5df h203\"><div class=\"t m0 x1ed h1a y65de ff5 fs5 fc3 sc0 ls5 ws5\">Total at 31 December 2024<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n xb90 y6775 w5e0 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">95,490<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb91 y6775 w27e h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">2,027<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb92 y6775 w2a3 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">70,009<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb93 y6775 w5e1 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">167,526<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb94 y6775 w5e2 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">621,419<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb95 y6775 w5e3 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">788,945<span class=\"_ _3eb\"> </span></div></td></tr></table></div><div class=\"t m0 hc ff7 fs8 fc2 sc0 ls8 wsb gs401\">Offsetting of financial <span class=\"_ _7\"></span>instruments<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs402\">Financial assets and liabilities are offset <span class=\"_ _7\"></span>and the net amount reported in the <span class=\"_ _7\"></span>balance sheet when there is a <span class=\"_ _7\"></span>legally enforceable </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs403\">right to offset the recognised amounts <span class=\"_ _7\"></span>and there is an intention to settle <span class=\"_ _7\"></span>on a net basis, or to <span class=\"_ _7\"></span>realise the asset and settle the </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs404\">liability simultaneously. </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs405\">In practice, for credit mitigation, the <span class=\"_ _7\"></span>Group is able to offset assets and <span class=\"_ _7\"></span>liabilities which do not meet the <span class=\"_ _7\"></span>IAS 32 netting criteria set </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs406\">out below. Such arrangements include master <span class=\"_ _7\"></span>netting arrangements for derivatives and global master <span class=\"_ _7\"></span>repurchase agreements </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs407\">for repurchase and reverse repurchase transactions. <span class=\"_ _7\"></span>These agreements generally allow that all outstanding <span class=\"_ _7\"></span>transactions with </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs408\">a<span class=\"_ gs36\"> </span>particular counterparty can be offset but <span class=\"_ _7\"></span>only in the event of default or <span class=\"_ _7\"></span>other predetermined events. </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs409\">In addition, the Group also receives <span class=\"_ _7\"></span>and pledges readily realisable collateral for derivative <span class=\"_ _7\"></span>transactions to cover net exposure </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs40a\">in<span class=\"_ gs36\"> </span>the event of a default. Under <span class=\"_ _7\"></span>repurchase and reverse repurchase agreements the Group <span class=\"_ _7\"></span>pledges (legally sells) and obtains </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs40b\">(legally purchases) respectively, highly liquid assets <span class=\"_ _7\"></span>which can be sold in the event <span class=\"_ _7\"></span>of a default. </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs40c\">The following tables set out the <span class=\"_ _7\"></span>impact of netting on the balance sheet. <span class=\"_ _7\"></span>This comprises derivative transactions settled through </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs40d\">an enforceable netting agreement where we <span class=\"_ _7\"></span>have the intent and ability to settle <span class=\"_ _7\"></span>net and which are offset on <span class=\"_ _7\"></span>the balance sheet.<span class=\"_ _3eb\"> </span></div><div class=\"gs40e\"><table class=\"s w5e4 h248\" id=\"_d2120341-3e0d-4ea0-a366-d4849f0460d8\"><tr><td></td><td></td><td></td><td class=\"t m0 x9cb h38 y6776 ff5 fs17 fc0 sc0 ls21 ws20\">Net amounts </td><td class=\"t m0 xb96 h38 y6776 ff5 fs17 fc0 sc0 ls21 ws20\">Related amount not offset </td><td></td><td></td></tr><tr><td></td><td class=\"t m0 x5f9 h38 y6777 ff5 fs17 fc0 sc0 ls21 ws20\">Gross amounts </td><td></td><td class=\"t m0 x602 h38 y6777 ff5 fs17 fc0 sc0 ls21 ws20\">of<span class=\"_ gs40f\"> </span>financial </td><td class=\"t m0 x5fb h38 y6777 ff5 fs17 fc0 sc0 ls21 ws20\" colspan=\"2\">in<span class=\"_ gs40f\"> </span>the<span class=\"_ gs40f\"> </span>balance sheet<span class=\"_ _3eb\"> </span></td><td></td></tr><tr><td></td><td class=\"t m0 xb97 h38 y6778 ff5 fs17 fc0 sc0 ls21 ws20\">of<span class=\"_ gs40f\"> </span>recognised </td><td class=\"t m0 xb98 h38 y6778 ff5 fs17 fc0 sc0 ls21 ws20\">Impact of<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x542 h38 y6778 ff5 fs17 fc0 sc0 ls21 ws20\">instruments </td><td></td><td></td><td></td></tr><tr><td></td><td class=\"t m0 xb99 h38 y6779 ff5 fs17 fc0 sc0 ls21 ws20\">financial </td><td class=\"t m0 x8b2 h38 y6779 ff5 fs17 fc0 sc0 ls21 ws20\">offset in the </td><td class=\"t m0 x9cd h38 y6779 ff5 fs17 fc0 sc0 ls21 ws20\">presented in the </td><td class=\"t m0 x7bc h38 y6779 ff5 fs17 fc0 sc0 ls21 ws20\">Financial </td><td class=\"t m0 xb9a h38 y6779 ff5 fs17 fc0 sc0 ls21 ws20\">Financial </td><td></td></tr><tr><td></td><td class=\"t m0 xb9b h38 y677a ff5 fs17 fc0 sc0 ls21 ws20\">instruments<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xb9c h38 y677a ff5 fs17 fc0 sc0 ls21 ws20\">balance sheet<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xb9d h38 y677a ff5 fs17 fc0 sc0 ls21 ws20\">balance sheet<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xb9e h38 y677a ff5 fs17 fc0 sc0 ls21 ws20\">collateral<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xb96 h38 y677a ff5 fs17 fc0 sc0 ls21 ws20\">instruments<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xb9f h38 y677a ff5 fs17 fc0 sc0 ls21 ws20\">Net amount<span class=\"_ _3eb\"> </span></td></tr><tr><td></td><td class=\"t m0 x8f9 h38 y677b ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x8bc h38 y677b ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x404 h38 y677b ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1eb h38 y677b ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x405 h38 y677b ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1ec h38 y677b ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"t m0 x221 h8 y677c ff5 fs5 fc3 sc0 ls5 ws5\">At 31 December 2025<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y677d wc5 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">Derivative financial instruments<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xba0 y677d w5e5 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">78,518<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xba1 y677d w5e6 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(12,736)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xba2 y677d w5e7 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">65,782<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xba3 y677d w5e8 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(14,168)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xba4 y677d w5e9 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(44,712)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xba5 y677d w2e1 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">6,902<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y677e w5ea h219\"><div class=\"t m0 x1ed h3b y65db ff1 fs5 fc3 sc0 ls5 ws0\">Reverse repurchase agreements and other<span class=\"_ _3eb\"> </span></div><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">similar secured lending<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xba6 y677e w5eb h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">160,964<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xba7 y677e w5ec h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(64,868)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xba8 y677e w5ed h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">96,096<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xba9 y677e w5ee h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(96,096)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbaa y677e w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbab y677e w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y677f w5ef h203\"><div class=\"t m0 x1ed h3d y655f ff5 fs5 fc3 sc0 ls5 ws5\">Total Assets<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbac y677f w5f0 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">239,482<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbad y677f w5f1 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(77,604)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbae y677f w2fb h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">161,878<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbaf y677f w5f2 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(110,264)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbb0 y677f w5e9 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(44,712)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbb1 y677f w5f3 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">6,902<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6780 wc5 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">Derivative financial instruments<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbb2 y6780 w5f4 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">80,923<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbb3 y6780 w5f5 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(12,719)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbb4 y6780 w286 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">68,204<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbb5 y6780 w5f6 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(12,868)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbb6 y6780 w5f7 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(44,712)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbb7 y6780 w3ba h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">10,624<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x221 h1a y6781 ff4 fs5 fc3 sc0 ls5 ws5\">Repurchase agreements and other similar </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y6782 w5f8 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">secured borrowing<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbb8 y6782 w5f9 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">108,932<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbb9 y6782 w5ec h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(64,868)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbba y6782 w5fa h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">44,064<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbbb y6782 w5fb h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(44,064)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbbc y6782 w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbbd y6782 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6783 w5fc h203\"><div class=\"t m0 x1ed h3d y655f ff5 fs5 fc3 sc0 ls5 ws5\">Total Liabilities<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbbe y6783 w5fd h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">189,855<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbbf y6783 w5fe h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(77,587)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbc0 y6783 w4e4 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">112,268<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbc1 y6783 w5ff h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(56,932)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbc2 y6783 w5e9 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(44,712)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbc3 y6783 w3ba h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">10,624<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x221 h8 y6784 ff5 fs5 fc3 sc0 ls5 ws5\">At 31 December 2024<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y6785 wc5 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Derivative financial instruments<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbc4 y6785 w32f h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">97,902<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbc5 y6785 w600 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(16,430)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbc6 y6785 w601 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">81,472<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbc7 y6785 w602 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(15,005)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbc8 y6785 w603 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(60,280)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbc9 y6785 w604 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">6,187<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y65f5 w5ea h221\"><div class=\"t m0 x1ed h3b y65dd ff1 fs5 fc3 sc0 ls5 ws0\">Reverse repurchase agreements and other<span class=\"_ _3eb\"> </span></div><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">similar secured lending<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbca y65f5 w605 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">137,115<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbcb y65f5 w606 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(38,314)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbcc y65f5 w607 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">98,801<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbcd y65f5 w608 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(98,801)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbce y65f5 w1cf h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbcf y65f5 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y65f6 w5ef h203\"><div class=\"t m0 x1ed h1a y65de ff5 fs5 fc3 sc0 ls5 ws5\">Total Assets<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbd0 y65f6 w609 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">235,017<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbd1 y65f6 w60a h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(54,744)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbd2 y65f6 w60b h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">180,273<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbd3 y65f6 w60c h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(113,806)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbd4 y65f6 w60d h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(60,280)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbd5 y65f6 w60e h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">6,187<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y65f7 wc5 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Derivative financial instruments<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbd6 y65f7 w60f h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">98,494<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbd7 y65f7 w600 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(16,430)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbd8 y65f7 w610 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">82,064<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbd9 y65f7 w611 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(11,046)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbda y65f7 w603 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(60,280)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbdb y65f7 w612 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">10,738<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x221 h1a y6786 ff4 fs5 fc3 sc0 ls5 ws5\">Repurchase agreements and other similar </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y6566 w5f8 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">secured borrowing<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbdc y6566 w613 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">83,985<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbdd y6566 w606 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(38,314)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbde y6566 w614 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">45,671<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbdf y6566 w615 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(45,671)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8d8 y6566 w1cf h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbe0 y6566 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6567 w5fc h203\"><div class=\"t m0 x1ed h1a y65de ff5 fs5 fc3 sc0 ls5 ws5\">Total Liabilities<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbe1 y6567 w616 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">182,479<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbe2 y6567 w617 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(54,744)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbe3 y6567 w618 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">127,735<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbe4 y6567 w619 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(56,717)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbe5 y6567 w603 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(60,280)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbe6 y6567 w612 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">10,738<span class=\"_ _3eb\"> </span></div></td></tr></table></div><div class=\"t m0 hc ff7 fs8 fc2 sc0 ls8 wsb gs410\">Related amounts not <span class=\"_ _7\"></span>offset in <span class=\"_ _7\"></span>the balance sheet <span class=\"_ _7\"></span>comprises:</div><div class=\"t m0 h5 ff1 fs2 fc3 sc0 ls0 ws0 gs411\"> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">Financial instruments not offset in the balance sheet but covered by an <span class=\"_ _7\"></span>enforceable netting arrangement. This comprises </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs412\">master netting arrangements held against derivative <span class=\"_ _7\"></span>financial instruments and excludes the effect of <span class=\"_ _7\"></span>over-collateralisation</div><div class=\"t m0 h5 ff1 fs2 fc3 sc0 ls0 ws0 gs413\"> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">Financial instruments where a legal opinion evidencing enforceability of the right of <span class=\"_ _7\"></span>offset may not have been sought, <span class=\"_ _7\"></span>or may </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs414\">have been unable to such opinion</div><div class=\"t m0 h5 ff1 fs2 fc3 sc0 ls0 ws0 gs415\"> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">Financial collateral comprises cash collateral pledged and received for derivative financial instruments <span class=\"_ _7\"></span>and collateral bought </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs416\">and sold for reverse repurchase and <span class=\"_ _7\"></span>repurchase agreements respectively and excludes the effect <span class=\"_ _7\"></span>of over-collateralisation<span class=\"_ _3eb\"> </span></div><div class=\"t m0 hc ff7 fs8 fc2 sc0 ls8 wsb gs418\">Financial liabilities designated <span class=\"_ _7\"></span>at fair <span class=\"_ _7\"></span>value through profit <span class=\"_ _7\"></span>or loss<span class=\"_ _3eb\"> </span></div><div class=\"gs1b7\"><table class=\"s w61a h249\" id=\"_8335e921-f362-4a1f-a125-12897b1a57c7\"><tr><td></td><td class=\"t m0 x230 h38 y6787 ff5 fs17 fc0 sc0 ls21 ws20\">2025<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x231 h39 y6787 ff1 fs17 fc3 sc0 ls21 ws20\">2024<span class=\"_ _3eb\"> </span></td></tr><tr><td></td><td class=\"t m0 x233 h38 y6788 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x234 h2c y6788 ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c n x1ee y6610 w61b h1fe\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Carrying Balance aggregate fair value<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbe7 y6610 w5b8 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">74,058<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbe8 y6610 w61c h1ff\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">70,009<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6577 w61d h1fe\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Amount Contractually obliged to repay at maturity<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb94 y6577 w61e h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">73,843<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbe9 y6577 w61f h1ff\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">70,166<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6566 w620 h1fe\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Difference between aggregate fair value and contractually obliged to repay at maturity<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbea y6566 we8 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">215<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbeb y6566 w621 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(157)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6567 w622 h1fe\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Cumulative change in Fair Value accredited to Credit Risk Difference<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbec y6567 w35a h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(433)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9b8 y6567 w623 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(276)<span class=\"_ _3eb\"> </span></div></td></tr></table></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs419\">The net fair value loss on <span class=\"_ _7\"></span>financial liabilities designated at fair value through <span class=\"_ _7\"></span>profit or loss was $3,476 million <span class=\"_ _7\"></span>for the year </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs41a\">(31 December 2024: net loss of <span class=\"_ _7\"></span>$3,252 million).<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs41b\">Further details of the Group\u2019s own <span class=\"_ _7\"></span>credit adjustment (OCA) valuation technique is described <span class=\"_ _7\"></span>later in this Note. </div><div class=\"t m0 hc ff7 fs8 fc2 sc0 ls8 wsb gs41c\">Valuation of financial <span class=\"_ _7\"></span>instruments<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs41d\">The Valuation Methodology function is responsible <span class=\"_ _7\"></span>for independent price verification, oversight of fair <span class=\"_ _7\"></span>value and appropriate </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs41e\">value adjustments and escalation of valuation <span class=\"_ _7\"></span>issues. Independent price verification is the process <span class=\"_ _7\"></span>of determining that the </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs41f\">valuations incorporated into the financial statements <span class=\"_ _7\"></span>are validated independent of the business area <span class=\"_ _7\"></span>responsible for the </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs420\">product. The Valuation Methodology function has <span class=\"_ _7\"></span>oversight of the fair value adjustments to <span class=\"_ _7\"></span>ensure the financial instruments </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs421\">are priced to exit. These are <span class=\"_ _7\"></span>key controls in ensuring the material accuracy <span class=\"_ _7\"></span>of the valuations incorporated in the <span class=\"_ _7\"></span>financial </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs422\">statements. The market data used for <span class=\"_ _7\"></span>price verification (PV) may include data sourced <span class=\"_ _7\"></span>from recent trade data involving </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs423\">external counterparties or third parties such <span class=\"_ _7\"></span>as Bloomberg, Reuters, brokers and consensus pricing <span class=\"_ _7\"></span>providers. The Valuation </div><div class=\"t m0 h9 ff1 fs2 fc3 sc0 ls2 ws0 gs424\">Methodology function performs an ongoing review of the market data sources that are used as part of the PV and fair value </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs425\">processes which are formally documented on <span class=\"_ _7\"></span>a semi-annual basis detailing the suitability of <span class=\"_ _7\"></span>the market data used for price </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs426\">testing. Price verification uses independently sourced <span class=\"_ _7\"></span>data that is deemed most representative of <span class=\"_ _7\"></span>the market the instruments </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs427\">trade in. To determine the quality <span class=\"_ _7\"></span>of the market data inputs, factors such <span class=\"_ _7\"></span>as independence, relevance, reliability, availability </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs428\">of<span class=\"_ gs36\"> </span>multiple data sources and methodology employed <span class=\"_ _7\"></span>by the pricing provider are taken into <span class=\"_ _7\"></span>consideration. </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs429\">The Valuation and Benchmarks Committee (VBC) <span class=\"_ _7\"></span>is the valuation governance forum consisting of <span class=\"_ _7\"></span>representatives from Traded </div><div class=\"t m0 h9 ff1 fs2 fc3 sc0 ls2 ws0 gs42a\">Risk Management, Product Control, Valuation Methodology and the business, which meets monthly to discuss and approve the </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs42b\">independent valuations of the inventory. For <span class=\"_ _7\"></span>Strategic Investments and Principal Finance, the respective <span class=\"_ _7\"></span>Valuation Forums and </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs42c\">Investment Committee meetings are held on <span class=\"_ _7\"></span>a quarterly basis to review investments and <span class=\"_ _7\"></span>valuations.<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs42d\">The Group evaluates the significance of <span class=\"_ _7\"></span>financial instruments and material accuracy of the <span class=\"_ _7\"></span>valuations incorporated in the </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs42e\">financial statements as they involve a <span class=\"_ _7\"></span>high degree of judgement and estimation uncertainty <span class=\"_ _7\"></span>in determining the carrying </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs42f\">values of financial assets and liabilities <span class=\"_ _7\"></span>at the balance sheet date.<span class=\"_ _3eb\"> </span></div><div class=\"t m0 hc ff7 fs8 fc2 sc0 ls8 wsb gs430\">Significant accounting estimates<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs431\">The significant accounting estimates include:</div><div class=\"t m0 h5 ff1 fs2 fc3 sc0 ls0 ws0 gs432\"> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">Fair value of financial instruments is determined using valuation techniques and estimates <span class=\"_ _7\"></span>which, to the extent possible, </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs433\">use market observable inputs, but in <span class=\"_ _7\"></span>some cases use non-market observable inputs. Changes <span class=\"_ _7\"></span>in the observability </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs434\">of<span class=\"_ gs36\"> </span>significant valuation inputs can materially affect <span class=\"_ _7\"></span>the fair values of financial instruments</div><div class=\"t m0 h5 ff1 fs2 fc3 sc0 ls0 ws0 gs435\"> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">When establishing the exit price of a financial instrument using a valuation <span class=\"_ _7\"></span>technique, the Group estimates valuation </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs436\">adjustments in determining the fair value.<span class=\"_ _3eb\"> </span></div><div class=\"t m0 hc ff7 fs8 fc2 sc0 ls8 wsb gs437\">Significant accounting judgements<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs438\">The significant accounting judgements include:</div><div class=\"t m0 h5 ff1 fs2 fc3 sc0 ls0 ws0 gs439\"> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">In determining the valuation of financial instruments, the Group makes judgements on <span class=\"_ _7\"></span>the amounts reserved to cater for </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs43a\">model and valuation risks, which cover <span class=\"_ _7\"></span>both Level 2 and Level 3 assets, <span class=\"_ _7\"></span>and the significant valuation judgements in <span class=\"_ _7\"></span>respect </div><div class=\"t m0 h9 ff1 fs2 fc3 sc0 ls2 ws0 gs43b\">of Level 3 instruments </div><div class=\"t m0 h9 ff1 fs2 fc3 sc0 ls0 ws0 gs43c\"> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ls2\">Where the estimated measurement of fair value is more judgemental in respect of Level 3 assets, these are valued based<span class=\"_ _11\"></span> </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs43d\">on models that use a significant <span class=\"_ _7\"></span>degree of non-market-based unobservable inputs.<span class=\"_ _3eb\"> </span></div><div class=\"t m0 hc ff6 fs8 fc2 sc0 ls8 ws0 gs43f\">Valuation techniques<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs440\">Refer to the fair value hierarchy <span class=\"_ _7\"></span>explanation \u2013 Level 1, 2 and 3 <span class=\"_ _7\"></span>(page 364)</div><div class=\"t m0 h20 ff1 fs2 fc3 sc0 ls0 ws0 gs441\"> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff7 ls2 ws1\">Financial instruments held at fair value</span></div><div class=\"t m0 h20 ff1 fs2 fc3 sc0 ls0 ws0 gs442\"> <span class=\"_ _1e\"></span><span class=\"ff4\">\u2013<span class=\"_ _a\"> </span><span class=\"ff7 ls2 ws1\">Debt securities \u2013 asset-backed securities:<span class=\"ff4\"> Asset-backed securities are valued based on <span class=\"_ _7\"></span>external prices obtained from </span></span></span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs443\">consensus pricing providers, broker quotes, recent <span class=\"_ _7\"></span>trades, arrangers\u2019 quotes, etc. Where an observable <span class=\"_ _7\"></span>price is available </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs444\">for a given security, it is <span class=\"_ _7\"></span>classified as Level 2. In instances where <span class=\"_ _7\"></span>third-party prices are not available or <span class=\"_ _7\"></span>reliable, the security </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs445\">is classified as Level 3. The <span class=\"_ _7\"></span>fair value of Level 3 securities is <span class=\"_ _7\"></span>estimated using market standard cash flow <span class=\"_ _7\"></span>models with input </div><div class=\"t m0 h9 ff1 fs2 fc3 sc0 ls2 ws0 gs446\">parameter assumptions which include prepayment speeds, default rates, discount margins derived from comparable </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs447\">securities with similar vintage, collateral type, <span class=\"_ _7\"></span>and credit ratings.</div><div class=\"t m0 h20 ff1 fs2 fc3 sc0 ls0 ws0 gs448\"> <span class=\"_ _1e\"></span><span class=\"ff4\">\u2013<span class=\"_ _a\"> </span><span class=\"ff7 ls2 ws1\">Debt securities in issue:<span class=\"ff4\"> These debt securities relate to structured notes <span class=\"_ _7\"></span>issued by the Group. Where independent <span class=\"_ _7\"></span>market </span></span></span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs449\">data is available through pricing vendors <span class=\"_ _7\"></span>and broker sources these positions are classified <span class=\"_ _7\"></span>as Level 2. Where such liquid </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs44a\">external prices are not available, valuations <span class=\"_ _7\"></span>of these debt securities are implied using <span class=\"_ _7\"></span>input parameters such as bond </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs44b\">spreads and credit spreads and are <span class=\"_ _7\"></span>classified as Level 3. These input parameters <span class=\"_ _7\"></span>are determined with reference to the </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs44c\">same issuer (if available) or proxies <span class=\"_ _7\"></span>from comparable issuers or assets.</div><div class=\"t m0 h20 ff1 fs2 fc3 sc0 ls0 ws0 gs44d\"> <span class=\"_ _1e\"></span><span class=\"ff4\">\u2013<span class=\"_ _a\"> </span><span class=\"ff7 ls2 ws1\">Derivatives:<span class=\"ff4\"> Derivative products are classified as Level 2 if the valuation <span class=\"_ _7\"></span>of the product is based upon <span class=\"_ _7\"></span>input parameters </span></span></span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs44e\">which are observable from independent and <span class=\"_ _7\"></span>reliable market data sources. Derivative products are <span class=\"_ _7\"></span>classified as Level 3 </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs44f\">if<span class=\"_ gs36\"> </span>there are significant valuation input parameters <span class=\"_ _7\"></span>which are unobservable in the market, such <span class=\"_ _7\"></span>as products where the </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs450\">performance is linked to more than <span class=\"_ _7\"></span>one underlying variable. Examples are commodity crack <span class=\"_ _7\"></span>swaption, equity options </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs451\">based on the performance of two <span class=\"_ _7\"></span>or more underlying indices and interest rate <span class=\"_ _7\"></span>products with quanto payouts. In most </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs452\">cases these unobservable correlation parameters cannot <span class=\"_ _7\"></span>be implied from the market, and methods <span class=\"_ _7\"></span>such as historical </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs453\">analysis and comparison with historical levels <span class=\"_ _7\"></span>or other benchmark data must be employed.</div><div class=\"t m0 h20 ff1 fs2 fc3 sc0 ls0 ws0 gs454\"> <span class=\"_ _1e\"></span><span class=\"ff4\">\u2013<span class=\"_ _a\"> </span><span class=\"ff7 ls2 ws1\">Equity shares \u2013 unlisted equity investments:<span class=\"ff1 ws0\"> Valuation of unlisted equity instruments is determined using commonly </span></span></span></div><div class=\"t m0 h9 ff1 fs2 fc3 sc0 ls2 ws0 gs455\">accepted valuation techniques considered most appropriate to the investment, which may include the market approach, </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs456\">income approach or asset-based approach, depending <span class=\"_ _7\"></span>on the underlying fact patterns and circumstances. <span class=\"_ _7\"></span>All unlisted </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs457\">equity instruments are classified as Level <span class=\"_ _7\"></span>3, except for those where observable inputs <span class=\"_ _7\"></span>are available (e.g. over-the-counter </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs458\">prices), as the valuation techniques applied <span class=\"_ _7\"></span>generally involve unobservable inputs that requirement significant <span class=\"_ _7\"></span>judgment, </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs459\">which include valuation multiples, discount rates, <span class=\"_ _7\"></span>forecasted cash flows, etc.</div><div class=\"t m0 h20 ff1 fs2 fc3 sc0 ls0 ws0 gs45a\"> <span class=\"_ _1e\"></span><span class=\"ff4\">\u2013<span class=\"_ _a\"> </span><span class=\"ff7 ls2 ws1\">Loans and advances:<span class=\"ff4\"> These primarily include loans in the FM Bond <span class=\"_ _7\"></span>and Loan Syndication business which were <span class=\"_ _7\"></span>not </span></span></span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs45b\">fully<span class=\"_ gs36\"> </span>syndicated as at the balance sheet <span class=\"_ _7\"></span>date and other financing transactions within Financial <span class=\"_ _7\"></span>Markets, and loans and </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs45c\">advances including reverse repurchase agreements that <span class=\"_ _7\"></span>do not have SPPI cashflows or are <span class=\"_ _7\"></span>managed on a fair value basis. </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs45d\">Where available, its loan valuation is <span class=\"_ _7\"></span>based on observable clean sales transactions prices <span class=\"_ _7\"></span>or market observable spreads. </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs45e\">If<span class=\"_ gs36\"> </span>observable credit spreads are not available, <span class=\"_ _7\"></span>proxy spreads based on comparables with similar <span class=\"_ _7\"></span>credit grade, sector and </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs45f\">region, are used. Where observable transaction <span class=\"_ _7\"></span>prices, credit spreads and market standard proxy <span class=\"_ _7\"></span>methods are available, </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs460\">these loans are classified as Level <span class=\"_ _7\"></span>2. Where there are no recent transactions <span class=\"_ _7\"></span>or comparables, these loans are classified </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs461\">as<span class=\"_ gs36\"> </span>Level 3.</div><div class=\"t m0 h20 ff1 fs2 fc3 sc0 ls0 ws0 gs462\"> <span class=\"_ _1e\"></span><span class=\"ff4\">\u2013<span class=\"_ _a\"> </span><span class=\"ff7 ls2 ws1\">Other debt securities:<span class=\"ff4\"> These debt securities include convertible bonds, corporate bonds, <span class=\"_ _7\"></span>credit and structured notes. </span></span></span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs463\">Where quoted prices are available through <span class=\"_ _7\"></span>pricing vendors, brokers or observable trading activities <span class=\"_ _7\"></span>from liquid markets, </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs464\">these are classified as Level 2 <span class=\"_ _7\"></span>and valued using such quotes. Where there <span class=\"_ _7\"></span>are significant valuation inputs which are </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs465\">unobservable in the market, due to <span class=\"_ _7\"></span>illiquid trading or the complexity of the <span class=\"_ _7\"></span>product, these are classified as Level <span class=\"_ _7\"></span>3. </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs466\">The<span class=\"_ gs36\"> </span>valuations of these debt securities are <span class=\"_ _7\"></span>implied using input parameters such as bond <span class=\"_ _7\"></span>spreads and credit spreads. </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs467\">These input parameters are determined with <span class=\"_ _7\"></span>reference to the same issuer (if available) <span class=\"_ _7\"></span>or proxied from comparable </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs468\">issuers or assets.</div><div class=\"t m0 h20 ff1 fs2 fc3 sc0 ls0 ws0 gs469\"> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff7 ls2 ws1\">Financial instruments held at amortised cost<span class=\"_ _3eb\"> </span></span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs46a\">The following sets out the Group\u2019s <span class=\"_ _7\"></span>basis for establishing fair values of amortised <span class=\"_ _7\"></span>cost financial instruments and their </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs46b\">classification between Levels 1, 2 and <span class=\"_ _7\"></span>3. As certain categories of financial instruments <span class=\"_ _7\"></span>are not actively traded, there </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs46c\">is<span class=\"_ gs36\"> </span>a<span class=\"_ gs36\"> </span>significant level of management judgement involved <span class=\"_ _7\"></span>in calculating the fair values:</div><div class=\"t m0 h20 ff1 fs2 fc3 sc0 ls0 ws0 gs46d\"> <span class=\"_ _1e\"></span><span class=\"ff4\">\u2013<span class=\"_ _a\"> </span><span class=\"ff7 ls2 ws1\">Cash and balances at central banks:<span class=\"ff1 ws0\"> The fair value of cash and balances at central banks is their carrying amounts</span></span></span></div><div class=\"t m0 h20 ff1 fs2 fc3 sc0 ls0 ws0 gs46e\"> <span class=\"_ _1e\"></span><span class=\"ff4\">\u2013<span class=\"_ _a\"> </span><span class=\"ff7 ls2 ws1\">Debt securities in issue, subordinated liabilities and other borrowed funds:<span class=\"ff1 ws0\"> The aggregate fair values are calculated </span></span></span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs46f\">based on quoted market prices. For <span class=\"_ _7\"></span>those notes where quoted market prices are <span class=\"_ _7\"></span>not available, a discounted cash flow </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs470\">model is used based on a <span class=\"_ _7\"></span>current market related yield curve appropriate for <span class=\"_ _7\"></span>the remaining term to maturity</div><div class=\"t m0 h20 ff1 fs2 fc3 sc0 ls0 ws0 gs471\"> <span class=\"_ _1e\"></span><span class=\"ff4\">\u2013<span class=\"_ _a\"> </span><span class=\"ff7 ls2 ws1\">Deposits and borrowings:<span class=\"ff1 ws0\"> The estimated fair value of deposits with no stated maturity is the amount repayable on </span></span></span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs472\">demand. The estimated fair value of <span class=\"_ _7\"></span>fixed interest-bearing deposits and other borrowings without <span class=\"_ _7\"></span>quoted market prices is </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls18 ws17 gs473\">based on discounted <span class=\"_ _7\"></span>cash flows using <span class=\"_ _1b\"></span>the prevailing market rates for <span class=\"_ _7\"></span>debts with a <span class=\"_ _7\"></span>similar Credit <span class=\"_ _7\"></span>Risk and remaining <span class=\"_ _7\"></span>maturity<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h20 ff1 fs2 fc3 sc0 ls0 ws0 gs475\"> <span class=\"_ _1e\"></span><span class=\"ff4\">\u2013<span class=\"_ _a\"> </span><span class=\"ff7 ls2 ws1\">Investment securities:<span class=\"ff4\"> For investment securities that do not have directly observable <span class=\"_ _7\"></span>market values, the Group utilises </span></span></span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs476\">a<span class=\"_ gs36\"> </span>number of valuation techniques to determine <span class=\"_ _7\"></span>fair value. Where available, securities are valued <span class=\"_ _7\"></span>using input proxies from </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs477\">the same or closely related underlying <span class=\"_ _7\"></span>(for example, bond spreads from the same <span class=\"_ _7\"></span>or closely related issuer) or input <span class=\"_ _7\"></span>proxies </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs478\">from a different underlying (for example, <span class=\"_ _7\"></span>a similar bond but using spreads for <span class=\"_ _7\"></span>a particular sector and rating). Certain </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs479\">instruments cannot be proxies as set <span class=\"_ _7\"></span>out above, and in such cases the <span class=\"_ _7\"></span>positions are valued using non-market observable </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs47a\">inputs. This includes those instruments held <span class=\"_ _7\"></span>at amortised cost and predominantly relates to <span class=\"_ _7\"></span>asset-backed securities. </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs47b\">The<span class=\"_ gs36\"> </span>fair value for such instruments is <span class=\"_ _7\"></span>usually proxies from internal assessments of the <span class=\"_ _7\"></span>underlying cash flows</div><div class=\"t m0 h20 ff1 fs2 fc3 sc0 ls0 ws0 gs47c\"> <span class=\"_ _1e\"></span><span class=\"ff4\">\u2013<span class=\"_ _a\"> </span><span class=\"ff7 ls2 ws1\">Loans and advances to banks and customers:<span class=\"ff1 ws0\"> For loans and advances to banks, the fair value of floating rate placements </span></span></span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs47d\">and overnight deposits is their carrying <span class=\"_ _7\"></span>amounts. The estimated fair value of fixed <span class=\"_ _7\"></span>interest-bearing deposits is based on </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs47e\">discounted cash flows using the prevailing <span class=\"_ _7\"></span>money market rates for debts with a <span class=\"_ _7\"></span>similar Credit Risk and remaining maturity. </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs47f\">The Group\u2019s loans and advances to <span class=\"_ _7\"></span>customers portfolio is well diversified by geography <span class=\"_ _7\"></span>and industry. Approximately </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs480\">a<span class=\"_ gs36\"> </span>quarter of the portfolio re-prices within <span class=\"_ _7\"></span>one month, and approximately half re-prices within <span class=\"_ _7\"></span>12 months. Loans and </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls1b ws1a gs481\">advances are presented <span class=\"_ _7\"></span>net of provisions for <span class=\"_ _1b\"></span>impairment. The fair value of loans <span class=\"_ _7\"></span>and advances to <span class=\"_ _7\"></span>customers with a residual </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs482\">maturity of less than one year <span class=\"_ _7\"></span>generally approximates the carrying value. The estimated <span class=\"_ _7\"></span>fair value of loans and advances </div><div class=\"t m0 h9 ff1 fs2 fc3 sc0 ls2 ws0 gs483\">with a residual maturity of more than one year represents the discounted amount of future cash flows expected to be </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs484\">received, including assumptions relating to prepayment <span class=\"_ _7\"></span>rates and Credit Risk. Expected cash flows <span class=\"_ _7\"></span>are discounted at </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs485\">current market rates to determine fair <span class=\"_ _7\"></span>value. The Group has a wide range <span class=\"_ _7\"></span>of individual instruments within its loans <span class=\"_ _7\"></span>and </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs486\">advances portfolio and as a result <span class=\"_ _7\"></span>providing quantification of the key assumptions used <span class=\"_ _7\"></span>to value such instruments </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs487\">is<span class=\"_ gs36\"> </span>impractical</div><div class=\"t m0 h20 ff1 fs2 fc3 sc0 ls0 ws0 gs488\"> <span class=\"_ _1e\"></span><span class=\"ff4\">\u2013<span class=\"_ _a\"> </span><span class=\"ff7 ls2 ws1\">Other assets:<span class=\"ff4\"> Other assets comprise primarily cash collateral and trades pending <span class=\"_ _7\"></span>settlement. The carrying amount </span></span></span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs489\">of<span class=\"_ gs36\"> </span>these financial instruments is considered to <span class=\"_ _7\"></span>be a reasonable approximation of fair value <span class=\"_ _7\"></span>as they are either short-term </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs48a\">in<span class=\"_ gs36\"> </span>nature or re-price to current market <span class=\"_ _7\"></span>rates frequently.<span class=\"_ _3eb\"> </span></div><div class=\"t m0 hc ff6 fs8 fc2 sc0 ls8 ws0 gs48b\">Fair value adjustments<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs48c\">When establishing the exit price of <span class=\"_ _7\"></span>a financial instrument using a valuation technique, <span class=\"_ _7\"></span>the Group considers adjustments to the </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs48d\">modelled price which market participants would <span class=\"_ _7\"></span>make when pricing that instrument. The main <span class=\"_ _7\"></span>valuation adjustments </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs48e\">(described further below) in determining fair <span class=\"_ _7\"></span>value for financial assets and financial liabilities <span class=\"_ _7\"></span>are as follows:<span class=\"_ _3eb\"> </span></div><div class=\"gs48f\"><table class=\"s w624 h24a\" id=\"_3ff48fea-e5e8-4c56-aff8-6a5cf9b3b4f6\"><tr><td></td><td></td><td class=\"t m0 xbed h38 y6789 ff5 fs17 fc0 sc0 ls21 ws20\">Movement </td><td></td><td></td><td class=\"t m0 xbee h39 y6789 ff1 fs17 fc3 sc0 ls21 ws20\">Movement </td><td></td></tr><tr><td></td><td class=\"t m0 x2f7 h38 y678a ff5 fs17 fc0 sc0 ls21 ws20\">01.01.25<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x2d1 h38 y678a ff5 fs17 fc0 sc0 ls21 ws20\">during<span class=\"_ gs40f\"> </span>the year<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x2f8 h38 y678a ff5 fs17 fc0 sc0 ls21 ws20\">31.12.25<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x2fa h2c y678a ff4 fs17 fc3 sc0 ls21 ws20\">01.01.24<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xbef h2c y678a ff4 fs17 fc3 sc0 ls21 ws20\">during<span class=\"_ gs490\"> </span>the year<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xbf0 h2c y678a ff4 fs17 fc3 sc0 ls21 ws20\">31.12.24<span class=\"_ _3eb\"> </span></td></tr><tr><td></td><td class=\"t m0 x2f7 h38 y678b ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x2c9 h38 y678b ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x4be h38 y678b ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x2fa h2c y678b ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x233 h2c y678b ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x234 h2c y678b ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c n x1ee y655c w625 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Bid-offer valuation adjustment<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbf1 y655c w626 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">117<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbf2 y655c w4b0 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">6<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbf3 y655c w627 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">123<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbf4 y655c w4e0 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">115<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbf5 y655c w4da h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbf6 y655c w628 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">117<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y655d w629 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Credit valuation adjustment<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbf7 y655d w62a h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">134<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbf8 y655d w62b h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(20)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbf9 y655d w62c h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">114<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbfa y655d w62d h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">119<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbfb y655d w62e h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">15<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbfc y655d w62f h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">134<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6573 w630 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Debit valuation adjustment<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbfd y6573 w631 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(105)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbfe y6573 w632 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">30<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbff y6573 w484 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(75)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc00 y6573 w633 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(129)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc01 y6573 w4cd h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">24<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc02 y6573 w2aa h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(105)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6574 w634 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Model valuation adjustment<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc03 y6574 w635 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">5<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc04 y6574 w265 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(2)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc05 y6574 w45d h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">3<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc06 y6574 w3c h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls0 ws0\">4<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc07 y6574 w41a h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc08 y6574 w40 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls0 ws0\">5<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6560 w636 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Funding valuation adjustment<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc09 y6560 w4bf h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">41<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc0a y6560 w269 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(9)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc0b y6560 w1e6 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">32<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc0c y6560 w637 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">33<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc0d y6560 w638 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">8<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc0e y6560 w485 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">41<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6575 w639 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Other fair value adjustments<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc0f y6575 w66 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">26<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc10 y6575 wac h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">22<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x92c y6575 w1f6 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">48<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc11 y6575 w92 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">25<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc12 y6575 w41a h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc13 y6575 w73 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">26<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y658d w49a h203\"><div class=\"t m0 x1ed h3d y655f ff5 fs5 fc3 sc0 ls5 ws5\">Total<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc14 y658d w63a h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">218<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc15 y658d w63b h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">27<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc16 y658d w63c h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">245<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc17 y658d w63d h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">167<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc18 y658d w4be h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">51<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc19 y658d w3ef h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">218<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x235 h3b y678c ff1 fs5 fc3 sc0 ls5 ws0\">Income deferrals<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y6566 w63e h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Day 1 and other deferrals<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc1a y6566 w63f h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">138<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc1b y6566 w4b0 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">9<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc1c y6566 w1a3 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">147<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc1d y6566 w1e9 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">109<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc1e y6566 w73 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">29<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc1f y6566 w288 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">138<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6567 w49a h203\"><div class=\"t m0 x1ed h3d y655f ff5 fs5 fc3 sc0 ls5 ws5\">Total<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc14 y6567 w63f h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">138<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc20 y6567 w4b0 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">9<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc21 y6567 w1a3 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">147<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc22 y6567 w1e9 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">109<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc23 y6567 w73 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">29<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc24 y6567 w288 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">138<span class=\"_ _3eb\"> </span></div></td></tr></table></div><div class=\"t m0 hb ff4 fs7 fc3 sc0 ls7 ws7 gs491\">Note: Bracket represents an asset and credit to <span class=\"_ _7\"></span>the income statement.</div><div class=\"t m0 h20 ff1 fs2 fc3 sc0 ls0 ws0 gs492\"> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff7 ls2 ws1\">Bid-offer valuation adjustment:</span><span class=\"ls2\"> Generally, market parameters are marked on a mid-market basis in the revaluation systems, </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs493\">and a bid-offer valuation adjustment is <span class=\"_ _7\"></span>required to quantify the expected cost of <span class=\"_ _7\"></span>neutralising the business\u2019 positions through </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs494\">dealing away in the market, thereby <span class=\"_ _7\"></span>bringing long positions to bid and short <span class=\"_ _7\"></span>positions to offer. The methodology to <span class=\"_ _7\"></span>calculate </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs495\">the bid-offer adjustment for a derivative <span class=\"_ _7\"></span>portfolio involves netting between long and short <span class=\"_ _7\"></span>positions and the grouping of </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs496\">risk<span class=\"_ gs36\"> </span>by strike and tenor based on <span class=\"_ _7\"></span>the hedging strategy where long positions are <span class=\"_ _7\"></span>marked to bid and short positions <span class=\"_ _7\"></span>marked </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs497\">to<span class=\"_ gs36\"> </span>offer in the systems.</div><div class=\"t m0 h20 ff1 fs2 fc3 sc0 ls0 ws0 gs498\"> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff7 ls2 ws1\">Credit valuation adjustment (CVA):<span class=\"ff4\"> The Group accounts for CVA against the fair <span class=\"_ _7\"></span>value of derivative products. CVA is <span class=\"_ _7\"></span>an </span></span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs499\">adjustment to the fair value of <span class=\"_ _7\"></span>the transactions to reflect the possibility that <span class=\"_ _7\"></span>our counterparties may default and we <span class=\"_ _7\"></span>may </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs49a\">not<span class=\"_ gs36\"> </span>receive the full market value of <span class=\"_ _7\"></span>the outstanding transactions. It represents an estimate <span class=\"_ _7\"></span>of the adjustment a market </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs49b\">participant would include when deriving a <span class=\"_ _7\"></span>purchase price to acquire our exposures. CVA <span class=\"_ _7\"></span>is calculated for each subsidiary, </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs49c\">and within each entity for each <span class=\"_ _7\"></span>counterparty to which the entity has exposure <span class=\"_ _7\"></span>and takes account of any collateral <span class=\"_ _7\"></span>we may </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs49d\">hold. The Group calculates the CVA <span class=\"_ _7\"></span>by using estimates of future positive exposure, <span class=\"_ _7\"></span>market-implied probability of default (PD) </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs49e\">and recovery rates. Where market-implied data <span class=\"_ _7\"></span>is not readily available, we use market-based <span class=\"_ _7\"></span>proxies to estimate the PD. </div><div class=\"t m0 h9 ff1 fs2 fc3 sc0 ls18 ws52 gs49f\">Wrong-way risk occurs when the exposure to a counterparty is adversely correlated with the credit quality of that counterparty, </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs4a0\">and the Group has implemented a <span class=\"_ _7\"></span>model to capture this impact for key <span class=\"_ _7\"></span>wrong-way exposures. The Group also captures <span class=\"_ _7\"></span>the </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs4a1\">uncertainties associated with wrong-way risk in <span class=\"_ _7\"></span>the Group\u2019s Prudential Valuation Adjustments framework.<span class=\"_ _3eb\"> </span></div>\u2022<span class=\"_ _b3\"> </span><span class=\"ff7 ls2 ws1\">Debit valuation adjustment (DVA): <span class=\"ff4\">The Group calculates DVA adjustments on its derivative <span class=\"_ _7\"></span>liabilities to reflect changes </span></span>in<span class=\"_ gs36\"> </span>its own credit standing. The Group\u2019s <span class=\"_ _7\"></span>DVA adjustments will increase if its credit <span class=\"_ _7\"></span>standing worsens and, conversely, decrease if its credit standing improves. For <span class=\"_ _7\"></span>derivative liabilities, a DVA adjustment is determined <span class=\"_ _7\"></span>by applying the Group\u2019s probability of default to the Group\u2019s negative <span class=\"_ _7\"></span>expected exposure against the counterparty. The Group\u2019s <span class=\"_ _7\"></span>probability of default and loss expected in the event of default is derived based on bond and CDS spreads associated with the Group\u2019s issuances and market standard recovery levels. The expected <span class=\"_ _7\"></span>exposure is modelled based on the simulation <span class=\"_ _7\"></span>of the underlying risk factors over the expected life of the <span class=\"_ _7\"></span>deal. This simulation methodology incorporates the collateral <span class=\"_ _7\"></span>posted by the Group and the effects of master netting agreements. <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff7 ls2 ws1\">Model valuation adjustment:<span class=\"ff4\"> Valuation models may have pricing deficiencies or limitations that <span class=\"_ _7\"></span>require a valuation </span></span>adjustment. These pricing deficiencies or limitations <span class=\"_ _7\"></span>arise due to the choice, implementation and <span class=\"_ _7\"></span>calibration of the pricing<span class=\"_ gs36\"> </span>model. <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff7 ls2 ws1\">Funding valuation adjustment (FVA): <span class=\"ff4\">The Group makes FVA adjustments against derivative products, <span class=\"_ _7\"></span>including embedded </span></span>derivatives. FVA reflects an estimate of <span class=\"_ _7\"></span>the adjustment to its fair value that <span class=\"_ _7\"></span>a market participant would make to <span class=\"_ _7\"></span>incorporate funding costs or benefits that could <span class=\"_ _7\"></span>arise in relation to the exposure. FVA <span class=\"_ _7\"></span>is calculated by determining the net <span class=\"_ _7\"></span>expected exposure at a counterparty level and <span class=\"_ _7\"></span>then applying a funding rate to those <span class=\"_ _7\"></span>exposures that reflect the market cost <span class=\"_ _7\"></span>of funding. The FVA for uncollateralised (including partially <span class=\"_ _7\"></span>collateralised) derivatives incorporates the estimated present value <span class=\"_ _7\"></span>of the market funding cost or benefit associated <span class=\"_ _7\"></span>with funding these transactions. <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff7 ls2 ws1\">Other fair value adjustments: </span><span class=\"ls2\">For certain products, the prices cannot be replicated by usual models or the choice of model </span>inputs can be more subjective. In <span class=\"_ _7\"></span>these circumstances, an adjustment may be necessary <span class=\"_ _7\"></span>to reflect the prices available in <span class=\"_ _7\"></span>the market. In <span class=\"_ _7\"></span>general, where there <span class=\"_ _1b\"></span>is a high degree <span class=\"_ _7\"></span>of uncertainty <span class=\"_ _7\"></span>in the <span class=\"_ _7\"></span>valuation (e.g. <span class=\"_ _7\"></span>due to <span class=\"_ _7\"></span>the nature <span class=\"_ _7\"></span>of the <span class=\"_ _7\"></span>trade, model inputs, model selection etc.), an <span class=\"_ _7\"></span>adjustment can be <span class=\"_ _7\"></span>taken to adopt a <span class=\"_ _7\"></span>more conservative value <span class=\"_ _7\"></span>to better reflect the <span class=\"_ _7\"></span>expected exit price. <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff7 ls2 ws1\">Day one and other deferrals: <span class=\"ff4\">In certain circumstances the initial fair value <span class=\"_ _7\"></span>is based on a valuation technique <span class=\"_ _7\"></span>which differs </span></span>to<span class=\"_ gs36\"> </span>the transaction price at the time <span class=\"_ _7\"></span>of initial recognition. However, these gains can <span class=\"_ _7\"></span>only be recognised when the valuation technique used is based primarily on <span class=\"_ _7\"></span>observable market data. In those cases where <span class=\"_ _7\"></span>the initially recognised fair value is <span class=\"_ _7\"></span>based on a valuation model that uses inputs which are not observable in the market, the difference between the transaction price and the valuation model is not <span class=\"_ _7\"></span>recognised immediately in the income statement. The <span class=\"_ _7\"></span>difference is amortised to the income statement until the inputs become observable, <span class=\"_ _7\"></span>or the transaction matures or is terminated. <span class=\"_ _7\"></span>Other deferrals primarily represent adjustments taken to reflect the <span class=\"_ _7\"></span>specific terms and conditions of certain derivative <span class=\"_ _7\"></span>contracts which affect the termination value at the measurement date.<span class=\"_ _3eb\"> </span>In addition, the Group calculates own <span class=\"_ _7\"></span>credit adjustment (OCA) on its issued debt <span class=\"_ _7\"></span>designated at fair value, including structured notes, in order to reflect changes <span class=\"_ _7\"></span>in its own credit standing. Issued debt <span class=\"_ _7\"></span>is discounted utilising the spread at <span class=\"_ _7\"></span>which similar instruments would be issued or bought back at the measurement date as this reflects the value from the perspective of a market participant who holds the identical item <span class=\"_ _7\"></span>as an asset. OCA measures the difference <span class=\"_ _7\"></span>between the fair value of issued <span class=\"_ _7\"></span>debt as of reporting date and theoretical fair values <span class=\"_ _7\"></span>of issued debt adjusted up or down <span class=\"_ _7\"></span>for changes in own credit spreads <span class=\"_ _7\"></span>from inception date to the measurement date. Under <span class=\"_ _7\"></span>IFRS 9 the change in the OCA <span class=\"_ _7\"></span>component is reported under other comprehensive <span class=\"_ _7\"></span>income. The Group\u2019s OCA reserve will increase <span class=\"_ _7\"></span>if its credit standing worsens in comparison <span class=\"_ _7\"></span>to the inception of the trade <span class=\"_ _7\"></span>and, conversely, decrease if its credit standing improves. <span class=\"_ _7\"></span>The Group\u2019s OCA reserve will reverse over <span class=\"_ _7\"></span>time as its liabilities mature.<span class=\"_ _3eb\"> </span>Fair value hierarchy <span class=\"_ _7\"></span>\u2013 financial <span class=\"_ _7\"></span>instruments held at <span class=\"_ _7\"></span>fair value<span class=\"_ _3eb\"> </span>The fair values of quoted financial <span class=\"_ _7\"></span>assets and liabilities in active markets are <span class=\"_ _7\"></span>based on current prices. A market <span class=\"_ _7\"></span>is regarded as active if transactions for the asset <span class=\"_ _7\"></span>or liability take place with sufficient frequency <span class=\"_ _7\"></span>and volume to provide pricing information <span class=\"_ _7\"></span>on an ongoing basis. Wherever possible, fair <span class=\"_ _7\"></span>values have been calculated using unadjusted quoted <span class=\"_ _7\"></span>market prices in active markets for identical instruments held by the <span class=\"_ _7\"></span>Group. Where quoted market prices are not <span class=\"_ _7\"></span>available, or are unreliable because of <span class=\"_ _7\"></span>poor liquidity, fair values have been determined <span class=\"_ _7\"></span>using valuation techniques which, to the extent <span class=\"_ _7\"></span>possible, use market observable inputs, but in some cases use <span class=\"_ _7\"></span>unobservable inputs. Valuation techniques used include discounted <span class=\"_ _7\"></span>cash flow analysis and pricing models and, where appropriate, comparison with <span class=\"_ _7\"></span>instruments that have characteristics similar to those <span class=\"_ _7\"></span>of the instruments held by the Group.<span class=\"_ _3eb\"> </span>Assets and liabilities carried at fair <span class=\"_ _7\"></span>value or for which fair values are <span class=\"_ _7\"></span>disclosed have been classified into three <span class=\"_ _7\"></span>levels according to the observability of the significant inputs <span class=\"_ _7\"></span>used to determine the fair values. Changes <span class=\"_ _7\"></span>in the observability of significant valuation inputs during the reporting period may <span class=\"_ _7\"></span>result in a transfer of assets and <span class=\"_ _7\"></span>liabilities within the fair value hierarchy. <span class=\"_ _7\"></span>The Group recognises transfers between levels of the <span class=\"_ _7\"></span>fair value hierarchy when there is a <span class=\"_ _7\"></span>significant change in either its principal <span class=\"_ _7\"></span>market or<span class=\"_ gs36\"> </span>the level of observability of the <span class=\"_ _7\"></span>inputs to the valuation techniques as at <span class=\"_ _7\"></span>the end of the reporting period. <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff7 ls2 ws1\">Level 1:<span class=\"ff4\"> Fair value measurements are those derived from unadjusted quoted prices <span class=\"_ _7\"></span>in active markets for identical assets </span></span>or<span class=\"_ gs36\"> </span>liabilities. <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff7 ls2 ws1\">Level 2:<span class=\"ff4\"> Fair value measurements are those with quoted prices for similar <span class=\"_ _7\"></span>instruments in active markets or quoted <span class=\"_ _7\"></span>prices </span></span>for<span class=\"_ gs36\"> </span>identical or similar instruments in inactive <span class=\"_ _7\"></span>markets and financial instruments valued using models <span class=\"_ _7\"></span>where all significant inputs are observable. <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff7 ls2 ws1\">Level 3:<span class=\"ff4\"> Fair value measurements are those where inputs which could have <span class=\"_ _7\"></span>a significant effect on the instrument\u2019s <span class=\"_ _7\"></span>valuation </span></span>are not based on observable market <span class=\"_ _7\"></span>data.<span class=\"_ _3eb\"> </span><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs4de\">The following tables show the classification <span class=\"_ _7\"></span>of financial instruments held at fair value <span class=\"_ _7\"></span>into the valuation hierarchy:<span class=\"_ _3eb\"> </span></div><div class=\"gs4df\"><table class=\"s w640 h24b\" id=\"_c303f662-fbf8-4d7d-bf5d-08054c109f58\"><tr><td></td><td></td><td class=\"c n xc25 y678d w281 h21e\"><div class=\"t m0 x1ed h14f y6611 ff5 fs64 fc0 sc0 ls50 ws5b\">2025<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td></td><td class=\"c n xc26 y678d w641 h209\"><div class=\"t m0 x1ed h14f y6611 ff1 fs64 fc3 sc0 ls50 ws5b\">2024<span class=\"_ _3eb\"> </span></div></td><td></td><td></td></tr><tr><td></td><td class=\"t m0 xc27 h14f y678e ff5 fs64 fc0 sc0 ls50 ws5b\">Level 1<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x6bc h14f y678e ff5 fs64 fc0 sc0 ls50 ws5b\">Level 2<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xc28 h14f y678e ff5 fs64 fc0 sc0 ls50 ws5b\">Level 3<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x668 h14f y678e ff5 fs64 fc0 sc0 ls50 ws5b\">Total<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xc29 h151 y678e ff1 fs64 fc3 sc0 ls50 ws0\">Level 1<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xc2a h151 y678e ff1 fs64 fc3 sc0 ls50 ws0\">Level 2<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xc2b h151 y678e ff1 fs64 fc3 sc0 ls50 ws0\">Level 3<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x2f4 h151 y678e ff1 fs64 fc3 sc0 ls50 ws5b\">Total<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"t m0 x235 h151 y678f ff1 fs64 fc3 sc0 ls50 ws5b\">Assets<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x4bc h14f y678f ff5 fs64 fc0 sc0 ls50 ws5b\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xc2c h14f y678f ff5 fs64 fc0 sc0 ls50 ws5b\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xc2d h14f y678f ff5 fs64 fc0 sc0 ls50 ws5b\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xc2e h14f y678f ff5 fs64 fc0 sc0 ls50 ws5b\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xadd h153 y678f ff4 fs64 fc3 sc0 ls50 ws5b\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x870 h153 y678f ff4 fs64 fc3 sc0 ls50 ws5b\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xc2f h153 y678f ff4 fs64 fc3 sc0 ls50 ws5b\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x2fd h153 y678f ff4 fs64 fc3 sc0 ls50 ws5b\">$million<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"t m0 x235 h13 y6790 ff5 fs7 fc3 sc0 ls7 ws7\">Financial instruments held at fair value through profit <span class=\"_ _7\"></span>or loss<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x236 y6792 w642 h20a\"><div class=\"t m0 x1ed hb2 y6791 ff1 fs7 fc3 sc0 ls7 ws0\">Loans and advances to banks<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc30 y6792 w14d h20b\"><div class=\"t m0 x1ed hb2 y6791 ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc31 y6792 w643 h20b\"><div class=\"t m0 x1ed hb2 y6791 ff6 fs7 fc3 sc0 ls7 ws7\">2,685<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc32 y6792 w644 h20b\"><div class=\"t m0 x1ed hb2 y6791 ff6 fs7 fc3 sc0 ls7 ws7\">299<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc33 y6792 w542 h20b\"><div class=\"t m0 x1ed hb2 y6791 ff6 fs7 fc3 sc0 ls7 ws7\">2,984<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc34 y6792 w14d h20b\"><div class=\"t m0 x1ed hb2 y6791 ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc35 y6792 w57a h20a\"><div class=\"t m0 x1ed hb2 y6791 ff1 fs7 fc3 sc0 ls7 ws7\">2,213<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc36 y6792 w14d h20b\"><div class=\"t m0 x1ed hb2 y6791 ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc37 y6792 w57a h20a\"><div class=\"t m0 x1ed hb2 y6791 ff1 fs7 fc3 sc0 ls7 ws7\">2,213<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x236 y6793 w645 h20a\"><div class=\"t m0 x1ed hb2 y6791 ff1 fs7 fc3 sc0 ls7 ws0\">Loans and advances to customers<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc38 y6793 w14d h20b\"><div class=\"t m0 x1ed hb2 y6791 ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc39 y6793 w646 h20b\"><div class=\"t m0 x1ed hb2 y6791 ff6 fs7 fc3 sc0 ls7 ws7\">8,891<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc3a y6793 w647 h20b\"><div class=\"t m0 x1ed hb2 y6791 ff6 fs7 fc3 sc0 ls7 ws7\">3,464<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc3b y6793 w546 h20b\"><div class=\"t m0 x1ed hb2 y6791 ff6 fs7 fc3 sc0 ls7 ws7\">12,355<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc3c y6793 w14d h20b\"><div class=\"t m0 x1ed hb2 y6791 ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc3d y6793 w648 h20b\"><div class=\"t m0 x1ed hb2 y6791 ff4 fs7 fc3 sc0 ls7 ws7\">5,147<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc3e y6793 w649 h20b\"><div class=\"t m0 x1ed hb2 y6791 ff4 fs7 fc3 sc0 ls7 ws7\">1,937<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x6af y6793 w64a h20b\"><div class=\"t m0 x1ed hb2 y6791 ff4 fs7 fc3 sc0 ls7 ws7\">7,084<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x247 hb y6794 ff4 fs7 fc3 sc0 ls7 ws7\">Reverse repurchase agreements and other similar secured </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x236 y6795 w64b h20d\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws7\">lending<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc3f y6795 w14d h20c\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc40 y6795 w64c h20c\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">80,446<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc41 y6795 w64d h20c\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">3,684<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc42 y6795 w549 h20c\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">84,130<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc43 y6795 w145 h20c\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">19<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc44 y6795 w58a h20c\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">82,937<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc45 y6795 w64e h20c\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">3,239<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc46 y6795 w582 h20c\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">86,195<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x236 y6796 w64f h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">Debt securities and other eligible bills<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc47 y6796 w650 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">38,015<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc48 y6796 w651 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">45,365<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc49 y6796 w652 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">3,324<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc4a y6796 w54f h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">86,704<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc4b y6796 w653 h20d\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws7\">32,331<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc4c y6796 w654 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">42,615<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc4d y6796 w655 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">1,593<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc4e y6796 w586 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">76,539<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x247 hb y6797 ff4 fs7 fc3 sc0 ls7 ws7\">Of which:<span class=\"_ _3eb\"> </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 y6798 w656 h20d\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws0\">Issued by central banks &amp; governments<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc4f y6798 w657 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">35,078<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc50 y6798 w2d0 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">21,875<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc51 y6798 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc52 y6798 w658 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">56,953<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc53 y6798 w659 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">30,278<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc54 y6798 w65a h20d\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws7\">13,355<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc55 y6798 w65b h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls0 ws0\">9<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc56 y6798 w65c h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">43,642<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x248 y6799 w65d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">Issued by corporates other than financial institutions</div><div class=\"t m0 xc57 hd1 y659f ff1 fs61 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc58 y679a w65e h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">71<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc59 y679a w65f h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">5,531<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc5a y679a w660 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">232<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc5b y679a w661 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">5,834<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc5c y679a w662 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls0 ws0\">7<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc5d y679a w199 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">4,860<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc5e y679a w14a h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">399<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc5f y679a w58f h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">5,266<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x248 y679b w663 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">Issued by financial institutions</div><div class=\"t m0 xc60 hd1 y659f ff1 fs61 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc61 y679c w664 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">2,866<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc62 y679c w665 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">17,959<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc63 y679c w666 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">3,092<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc64 y679c w667 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">23,917<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc65 y679c w668 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">2,046<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc66 y679c w1b4 h20d\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws7\">24,400<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc67 y679c w114 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">1,185<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc68 y679c w669 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">27,631<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x236 y679d w550 h20d\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws0\">Equity shares<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc69 y679d w66a h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">6,319<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc6a y679d w66b h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">2,455<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc6b y679d w66c h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">310<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc6c y679d w553 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">9,084<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc6d y679d w66d h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">5,287<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc6e y679d w66e h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls0 ws0\">8<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc6f y679d w66f h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">191<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc70 y679d w670 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">5,486<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y679e w556 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">Derivative financial instruments<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc71 y679e w671 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">766<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc72 y679e w672 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">64,926<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc73 y679e w673 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">90<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc74 y679e w55a h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">65,782<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc75 y679e w674 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">386<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc76 y679e w675 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">80,958<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc77 y679e w676 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">128<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc78 y679e w32d h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">81,472<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x247 hb y679f ff4 fs7 fc3 sc0 ls7 ws7\">Of which:<span class=\"_ _3eb\"> </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 y67a0 w677 h20d\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws0\">Foreign exchange<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc79 y67a0 w678 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">132<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc7a y67a0 w679 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">55,776<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc7b y67a0 w67a h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">35<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc7c y67a0 w67b h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">55,943<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc7d y67a0 w67c h20d\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws7\">140<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc7e y67a0 w67d h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">72,870<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc7f y67a0 w67e h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">37<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc80 y67a0 w67f h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">73,047<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x248 y67a1 w680 h20d\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws0\">Interest rate<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc81 y67a1 w681 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">39<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc82 y67a1 w682 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">6,143<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc83 y67a1 w683 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">46<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc84 y67a1 w684 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">6,228<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc85 y67a1 w685 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">27<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc86 y67a1 w686 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">6,296<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc87 y67a1 w687 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">80<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc88 y67a1 w16b h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">6,403<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x248 y67a2 w688 h20d\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws7\">Credit<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc89 y67a2 w14e h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc8a y67a2 w689 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">488<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc8b y67a2 w68a h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">5<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc8c y67a2 w68b h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">493<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc8d y67a2 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc8e y67a2 w68c h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">388<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc8f y67a2 w68d h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls0 ws0\">9<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc90 y67a2 w68e h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">397<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x248 y67a3 w68f h20d\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws0\">Equity and stock index options<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc91 y67a3 w14e h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc92 y67a3 w690 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">332<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc93 y67a3 w182 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">4<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc94 y67a3 w691 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">336<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc95 y67a3 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc96 y67a3 w692 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">349<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc97 y67a3 w693 h20d\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc98 y67a3 w694 h20d\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws7\">351<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x248 y67a4 w695 h20d\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws7\">Commodity<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc99 y67a4 w696 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">595<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc9a y67a4 w697 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">2,187<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc9b y67a4 w14f h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc9c y67a4 w698 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">2,782<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc9d y67a4 w699 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">219<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc9e y67a4 w69a h20d\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws7\">1,055<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc9f y67a4 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xca0 y67a4 w69b h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">1,274<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x235 h13 y67a5 ff5 fs7 fc3 sc0 ls7 ws7\">Investment securities<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x236 y67a6 w64f h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">Debt securities and other eligible bills<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xca1 y67a6 w69c h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">67,058<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xca2 y67a6 w69d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">41,445<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xca3 y67a6 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xca4 y67a6 w564 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">108,503<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xca5 y67a6 w69e h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">50,249<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xca6 y67a6 w69f h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">38,176<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xca7 y67a6 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xca8 y67a6 w596 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">88,425<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x247 hb y67a7 ff4 fs7 fc3 sc0 ls7 ws7\">Of which:<span class=\"_ _3eb\"> </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 y67a8 w656 h212\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws0\">Issued by central banks &amp; governments<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc4f y67a8 w6a0 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">53,830<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xca9 y67a8 w6a1 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">22,336<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcaa y67a8 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcab y67a8 w14b h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">76,166<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcac y67a8 w6a2 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">41,395<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcad y67a8 w6a3 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">16,916<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcae y67a8 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcaf y67a8 w6a4 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">58,311<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x248 y67a9 w65d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">Issued by corporates other than financial institutions</div><div class=\"t m0 xc57 hd1 y659f ff1 fs61 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcb0 y67aa w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcb1 y67aa w6a5 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">438<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcb2 y67aa w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcb3 y67aa w6a6 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">438<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcb4 y67aa w14f h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcb5 y67aa w4ad h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">490<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcb6 y67aa w14f h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcb7 y67aa w4ad h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">490<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x248 y67ab w663 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">Issued by financial institutions</div><div class=\"t m0 xc60 hd1 y659f ff1 fs61 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcb8 y67ac w6a7 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">13,228<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcb9 y67ac w6a8 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">18,671<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcba y67ac w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcbb y67ac w6a9 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">31,899<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcbc y67ac w6aa h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">8,854<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcbd y67ac w6ab h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">20,770<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcbe y67ac w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcbf y67ac w6ac h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">29,624<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x236 y67ad w550 h212\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws0\">Equity shares<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcc0 y67ad w573 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">34<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcc1 y67ad w6ad h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcc2 y67ad w57c h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">1,167<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcc3 y67ad w16e h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">1,203<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcc4 y67ad w685 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">27<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcc5 y67ad w693 h212\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcc6 y67ad w6ae h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">965<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcc7 y67ad w59a h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">994<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y67af w6af h20b\"><div class=\"t m0 x1ed h13 y6716 ff5 fs7 fc3 sc0 ls7 ws7\">Total assets at 31 December</div><div class=\"t m0 xcc8 hd0 y67ae ff5 fs61 fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x6b4 y67b0 w6b0 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">112,192<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcc9 y67b0 w6b1 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">246,215<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcca y67b0 w349 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">12,338<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xccb y67b0 w575 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">370,745<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xccc y67b0 w6b2 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">88,299<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xccd y67b0 w6b3 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">252,056<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcce y67b0 w6b4 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">8,053<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xccf y67b0 w6b5 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">348,408<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x235 h13 y67b1 ff5 fs7 fc3 sc0 ls7 ws7\">Liabilities<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m0 x235 h13 y67b2 ff5 fs7 fc3 sc0 ls7 ws7\">Financial instruments held at fair value through profit <span class=\"_ _7\"></span>or loss<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x236 y67b3 w6b6 h212\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws0\">Deposits by banks<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcd0 y67b3 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcd1 y67b3 w186 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">2,059<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcd2 y67b3 w644 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">269<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcd3 y67b3 w6b7 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">2,328<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcd4 y67b3 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcd5 y67b3 w6b8 h212\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws7\">1,522<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcd6 y67b3 w30f h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">371<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcd7 y67b3 w6b9 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">1,893<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x236 y67b4 w6ba h212\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws0\">Customer accounts<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcd8 y67b4 w14e h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcd9 y67b4 w6bb h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">15,936<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcda y67b4 w6bc h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">3,478<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcdb y67b4 w6bd h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">19,414<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcdc y67b4 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcdd y67b4 w6a h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">19,058<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcde y67b4 w69b h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">2,714<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcdf y67b4 w6be h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">21,772<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x236 y67b5 w6bf h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">Repurchase agreements and other similar secured borrowing<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xce0 y67b5 w14e h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xce1 y67b5 w6c0 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">36,307<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xce2 y67b5 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xce3 y67b5 w6c0 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">36,307<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xce4 y67b5 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xce5 y67b5 w2ab h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">33,539<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xce6 y67b5 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xce7 y67b5 w2ab h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">33,539<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x236 y67b6 w6c1 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">Debt securities in issue<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xce8 y67b6 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xce9 y67b6 w6c2 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">14,925<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcea y67b6 w6c3 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">1,084<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xceb y67b6 w6c4 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">16,009<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc34 y67b6 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcec y67b6 w6c5 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">12,317<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xced y67b6 w6c6 h212\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws7\">1,414<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcee y67b6 w6c7 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">13,731<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x236 y67b7 w6c8 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">Short positions<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcef y67b7 w6c9 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">8,674<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcf0 y67b7 w10f h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">6,789<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcf1 y67b7 w6ca h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">76<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcf2 y67b7 w3ea h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">15,539<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcf3 y67b7 w6cb h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">8,789<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcf4 y67b7 w6cc h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">5,558<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcf5 y67b7 w6cd h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">180<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcf6 y67b7 w6ce h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">14,527<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y67b8 w556 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">Derivative financial instruments<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcf7 y67b8 w6cf h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">380<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcf8 y67b8 w2c4 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">67,598<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcf9 y67b8 w6d0 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">226<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcfa y67b8 w6d1 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">68,204<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcfb y67b8 w6d2 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">419<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcfc y67b8 w6d3 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">81,387<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcfd y67b8 w6d4 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">258<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcfe y67b8 w235 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">82,064<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x247 hb y67b9 ff4 fs7 fc3 sc0 ls7 ws7\">Of which:<span class=\"_ _3eb\"> </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 y67ba w677 h212\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws0\">Foreign exchange<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc79 y67ba w6d5 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">155<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcff y67ba w6d6 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">56,427<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd00 y67ba w18a h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">21<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd01 y67ba w6d7 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">56,603<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd02 y67ba w6d8 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">183<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd03 y67ba w6d9 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">69,684<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd04 y67ba w6da h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls0 ws0\">8<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd05 y67ba w6db h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">69,875<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x248 y67bb w680 h212\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws0\">Interest rate<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc81 y67bb w6dc h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">83<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd06 y67bb w6dd h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">6,464<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd07 y67bb w6de h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">22<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd08 y67bb w661 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">6,569<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd09 y67bb w6df h212\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws7\">14<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd0a y67bb w6e0 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">8,586<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd0b y67bb w6e1 h212\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws7\">23<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd0c y67bb w6e2 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">8,623<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x248 y6747 w688 h212\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws7\">Credit<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc89 y6747 w14e h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd0d y6747 w193 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">1,958<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd0e y6747 w6e3 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">128<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd0f y6747 w598 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">2,086<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd10 y6747 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd11 y6747 w6e4 h212\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws7\">2,131<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd12 y6747 w6e5 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">189<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd13 y6747 w6e6 h212\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws7\">2,320<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x248 y6748 w68f h212\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws0\">Equity and stock index options<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc91 y6748 w14e h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd14 y6748 w18e h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">428<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd15 y6748 w6e7 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">54<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd16 y6748 w6e8 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">482<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc8d y6748 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd17 y6748 w6e9 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">157<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd18 y6748 w67e h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">37<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd19 y6748 w6d2 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">194<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x248 y67bc w695 h212\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws7\">Commodity<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd1a y67bc w6ea h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">142<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd1b y67bc w6eb h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">2,321<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd1c y67bc w6ec h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd1d y67bc w6ed h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">2,464<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd1e y67bc w6ee h212\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws7\">222<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd1f y67bc w6ef h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">829<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd20 y67bc w6f0 h212\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd21 y67bc w6f1 h212\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws7\">1,052<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y674a w6f2 h20b\"><div class=\"t m0 x1ed hb2 y65af ff5 fs7 fc3 sc0 ls7 ws7\">Total liabilities at 31 December<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd22 y674a w2c7 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">9,054<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd23 y674a w6f3 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">143,614<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd24 y674a w6f4 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">5,133<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd25 y674a w366 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">157,801<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd26 y674a w6f5 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">9,208<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd27 y674a w6f6 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">153,381<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd28 y674a w4d9 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">4,937<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd29 y674a w6f7 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">167,526<span class=\"_ _3eb\"> </span></div></td></tr></table></div><div class=\"t m0 hb ff1 fs7 fc3 sc0 ls7 ws7 gs4e0\">1 <span class=\"_ _b\"> </span><span class=\"ff4\">Includes covered bonds of $3,045 million (2024: $3,727 million), securities issued by Multilateral <span class=\"_ _7\"></span>Development Banks/International Organisations of $16,039 million </span></div><div class=\"t m0 hb ff4 fs7 fc3 sc0 ls7 ws7 gs4e1\">(2024: $10,679 million), and State-owned agencies and development <span class=\"_ _7\"></span>banks of $27,449 million(2024: $16,759 million).<span class=\"_ _3eb\"> </span></div><div class=\"t m0 hb ff1 fs7 fc3 sc0 ls7 ws7 gs4e2\">2 <span class=\"_ _f\"> </span><span class=\"ff4\">The table above does not include held for sale assets of nil <span class=\"_ _7\"></span>million (2024: $5 million) .These are reported in <span class=\"_ _7\"></span>Note 21 together with their fair value hierarchy.<span class=\"_ _3eb\"> </span></span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs4e3\">The fair value of financial assets <span class=\"_ _7\"></span>and financial liabilities classified as Level 2 <span class=\"_ _7\"></span>in the fair value hierarchy that <span class=\"_ _7\"></span>are subject </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs4e4\">to<span class=\"_ gs36\"> </span>complex modelling techniques is $327 million <span class=\"_ _7\"></span>(2024: $739 million) and $314 million (2024: <span class=\"_ _7\"></span>$320 million) respectively.<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs4e5\">There were no significant changes to <span class=\"_ _7\"></span>valuation or levelling approaches in 2025.<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs4e6\">There were no significant transfers of <span class=\"_ _7\"></span>financial assets and liabilities measured at fair <span class=\"_ _7\"></span>value between Level 1 and Level <span class=\"_ _7\"></span>2 </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs4e7\">during<span class=\"_ gs36\"> </span>the year.<span class=\"_ _3eb\"> </span></div><div class=\"t m0 hc ff7 fs8 fc2 sc0 ls8 wsb gs4e9\">Fair value hierarchy <span class=\"_ _7\"></span>\u2013 financial <span class=\"_ _7\"></span>instruments measured at <span class=\"_ _7\"></span>amortised cost<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs4ea\">The following table shows the carrying <span class=\"_ _7\"></span>amounts and incorporates the Group\u2019s estimate of <span class=\"_ _7\"></span>fair values of those financial assets </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs4eb\">and liabilities not presented on the <span class=\"_ _7\"></span>Group\u2019s balance sheet at fair value. These <span class=\"_ _7\"></span>fair values may be different from <span class=\"_ _7\"></span>the actual </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs4ec\">amount that will be received or <span class=\"_ _7\"></span>paid on the settlement or maturity of <span class=\"_ _7\"></span>the financial instrument. For certain instruments, <span class=\"_ _7\"></span>the fair </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs4ed\">value may be determined using assumptions <span class=\"_ _7\"></span>for which no observable prices are available.<span class=\"_ _3eb\"> </span></div><div class=\"gs4ee\"><table class=\"s w6f8 h24c\" id=\"_a19260c6-28f9-4243-a762-63ab8d6ff0c6\"><tr><td></td><td></td><td></td><td class=\"c n x527 y67bd w281 h21e\"><div class=\"t m0 x1ed h14f y6611 ff5 fs64 fc0 sc0 ls50 ws5b\">2025<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td></td><td></td><td class=\"c n xd2a y67bd w6f9 h209\"><div class=\"t m0 x1ed h14f y6611 ff1 fs64 fc3 sc0 ls50 ws5b\">2024<span class=\"_ _3eb\"> </span></div></td><td></td><td></td></tr><tr><td></td><td class=\"t m0 x534 h14f y67be ff5 fs64 fc0 sc0 ls50 ws5b\">Carrying </td><td></td><td class=\"t m0 xd2b h14f y67bf ff5 fs64 fc0 sc0 ls50 ws5b\">Fair value<span class=\"_ _3eb\"> </span></td><td></td><td></td><td class=\"t m0 x539 h151 y67be ff1 fs64 fc3 sc0 ls50 ws5b\">Carrying </td><td></td><td class=\"t m0 xb9e h151 y67bf ff1 fs64 fc3 sc0 ls50 ws0\">Fair value<span class=\"_ _3eb\"> </span></td><td></td><td></td></tr><tr><td></td><td class=\"t m0 xd2c h14f y67c0 ff5 fs64 fc0 sc0 ls50 ws5b\">value<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xd2d h14f y67c0 ff5 fs64 fc0 sc0 ls50 ws5b\">Level 1<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xd2e h14f y67c0 ff5 fs64 fc0 sc0 ls50 ws5b\">Level 2<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xd2f h14f y67c0 ff5 fs64 fc0 sc0 ls50 ws5b\">Level 3<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x538 h14f y67c0 ff5 fs64 fc0 sc0 ls50 ws5b\">Total<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xd30 h151 y67c0 ff1 fs64 fc3 sc0 ls50 ws5b\">value<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xd31 h151 y67c0 ff1 fs64 fc3 sc0 ls50 ws0\">Level 1<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xd32 h151 y67c0 ff1 fs64 fc3 sc0 ls50 ws0\">Level 2<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xd33 h151 y67c0 ff1 fs64 fc3 sc0 ls50 ws0\">Level 3<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x53d h151 y67c0 ff1 fs64 fc3 sc0 ls50 ws5b\">Total<span class=\"_ _3eb\"> </span></td></tr><tr><td></td><td class=\"t m0 x53e h14f y67c1 ff5 fs64 fc0 sc0 ls50 ws5b\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x53f h14f y67c1 ff5 fs64 fc0 sc0 ls50 ws5b\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x540 h14f y67c1 ff5 fs64 fc0 sc0 ls50 ws5b\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x541 h14f y67c1 ff5 fs64 fc0 sc0 ls50 ws5b\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x542 h14f y67c1 ff5 fs64 fc0 sc0 ls50 ws5b\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x543 h153 y67c1 ff4 fs64 fc3 sc0 ls50 ws5b\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x544 h153 y67c1 ff4 fs64 fc3 sc0 ls50 ws5b\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x545 h153 y67c1 ff4 fs64 fc3 sc0 ls50 ws5b\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x546 h153 y67c1 ff4 fs64 fc3 sc0 ls50 ws5b\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x547 h153 y67c1 ff4 fs64 fc3 sc0 ls50 ws5b\">$million<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"t m0 x221 h13 y67c2 ff5 fs7 fc3 sc0 ls7 ws7\">Assets<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1ee y67c3 w53e h241\"><div class=\"t m0 x1ed hba y65a9 ff1 fs7 fc3 sc0 ls7 ws0\">Cash and balances at central banks</div><div class=\"t m0 x9db hd1 y65aa ff1 fs61 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd34 y67c4 w53f h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">77,746<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd35 y67c4 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd36 y67c4 w6fa h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">77,746<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd37 y67c4 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd38 y67c4 w6fa h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">77,746<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd39 y67c4 w579 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">63,447<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd3a y67c4 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd3b y67c4 w579 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">63,447<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd3c y67c4 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd3d y67c4 w579 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">63,447<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y67c5 w642 h20d\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws0\">Loans and advances to banks<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd3e y67c5 w6fb h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">43,901<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd3f y67c5 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd40 y67c5 w6fc h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">43,834<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd41 y67c5 w6dc h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">83<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd42 y67c5 w1bd h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">43,917<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd43 y67c5 w6fd h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">43,593<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd44 y67c5 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd45 y67c5 w6fe h20d\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws7\">43,430<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd46 y67c5 w6ff h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">165<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd47 y67c5 w700 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">43,595<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x40a hb y67c6 ff4 fs7 fc3 sc0 ls7 ws7\">of which \u2013 reverse repurchase </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m0 x40a hb y67c7 ff4 fs7 fc3 sc0 ls7 ws7\">agreements and other similar </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x40b y67c8 w547 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">secured<span class=\"_ gs1a2\"> </span>lending<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd48 y67c8 w55f h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">3,724<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd49 y67c8 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd4a y67c8 w670 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">3,733<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd4b y67c8 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd4c y67c8 w670 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">3,733<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd4d y67c8 w701 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">2,946<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd4e y67c8 w14f h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd4f y67c8 w702 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">2,948<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd50 y67c8 w14f h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd51 y67c8 w702 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">2,948<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y67c9 w645 h20d\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws0\">Loans and advances to customers<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd52 y67c9 w2e5 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">286,788<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd53 y67c9 w14e h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd54 y67c9 w55a h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">28,759<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd55 y67c9 w703 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">257,093<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd56 y67c9 w704 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">285,852<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd57 y67c9 w705 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">281,032<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd58 y67c9 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd59 y67c9 w706 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">40,582<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd5a y67c9 w707 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">238,986<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd5b y67c9 w708 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">279,568<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x40a hb y67ca ff4 fs7 fc3 sc0 ls7 ws7\">of which \u2013 reverse repurchase </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m0 x40a hb y67cb ff4 fs7 fc3 sc0 ls7 ws7\">agreements and other similar </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x40b y67cc w547 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">secured<span class=\"_ gs1a2\"> </span>lending<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd5c y67cc w709 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">8,242<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd5d y67cc w14e h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd5e y67cc w709 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">8,242<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd5f y67cc w14e h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd60 y67cc w709 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">8,242<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd61 y67cc w594 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">9,660<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd62 y67cc w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd63 y67cc w70a h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">9,618<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd64 y67cc w70b h20d\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws7\">42<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd65 y67cc w594 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">9,660<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y67cd w70c h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">Investment securities</div><div class=\"t m0 xd66 hd1 y659f ff1 fs61 fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd34 y67ce w70d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">57,250<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd67 y67ce w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd68 y67ce w70e h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">56,427<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd69 y67ce w14e h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd6a y67ce w6d6 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">56,427<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd6b y67ce w598 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">55,137<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd6c y67ce w14f h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd6d y67ce w2cc h20d\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws7\">53,050<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd6e y67ce w70b h20d\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws7\">24<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd6f y67ce w70f h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">53,074<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y67cf w710 h241\"><div class=\"t m0 x1ed hba y65a9 ff1 fs7 fc3 sc0 ls7 ws0\">Other assets</div><div class=\"t m0 xd70 hd1 y65aa ff1 fs61 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd71 y67d0 w711 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">36,770<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd72 y67d0 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd73 y67d0 w711 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">36,770<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd74 y67d0 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd75 y67d0 w711 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">36,770<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd76 y67d0 w712 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">34,585<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd77 y67d0 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd78 y67d0 w59e h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">34,585<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd79 y67d0 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd7a y67d0 w59e h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">34,585<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y67d1 w56e h20d\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws0\">Assets held for sale<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd7b y67d1 w56f h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">1,042<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd7c y67d1 w713 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">74<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd7d y67d1 w714 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">178<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd7e y67d1 w715 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">790<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd7f y67d1 w716 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">1,042<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd80 y67d1 w717 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">884<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd81 y67d1 w179 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">58<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd82 y67d1 w718 h20d\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws7\">353<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd83 y67d1 w719 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">473<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd84 y67d1 w717 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">884<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y67d2 w71a h20b\"><div class=\"t m0 x1ed hb2 y65af ff5 fs7 fc3 sc0 ls7 ws7\">Total as at 31 December<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd85 y67d2 w71b h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">503,497<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd86 y67d2 w713 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">74<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd87 y67d2 w71c h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">243,714<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd88 y67d2 w71d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">257,966<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd89 y67d2 w71e h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">501,754<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd8a y67d2 w71f h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">478,678<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd8b y67d2 w179 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">58<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd8c y67d2 w64b h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">235,447<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd8d y67d2 w720 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">239,648<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd8e y67d2 w721 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">475,153<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x221 h13 y67d3 ff5 fs7 fc3 sc0 ls7 ws7\">Liabilities<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y67d4 w6b6 h20d\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws0\">Deposits by banks<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd8f y67d4 w722 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">30,846<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd90 y67d4 w14e h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd91 y67d4 w723 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">30,846<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd92 y67d4 w14e h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd93 y67d4 w722 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">30,846<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd94 y67d4 w724 h20d\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws7\">25,400<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd95 y67d4 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd96 y67d4 w725 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">25,238<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd97 y67d4 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd98 y67d4 w725 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">25,238<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y67d5 w6ba h20d\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws0\">Customer accounts<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd99 y67d5 w726 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">530,161<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd53 y67d5 w14e h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd9a y67d5 w727 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">526,569<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd9b y67d5 w14e h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd9c y67d5 w727 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">526,569<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd9d y67d5 w728 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">464,489<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd9e y67d5 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd9f y67d5 w729 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">461,549<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xda0 y67d5 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xda1 y67d5 w729 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">461,549<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y67d6 w72a h24d\"><div class=\"t m0 x1ed hba y65b6 ff1 fs7 fc3 sc0 ls7 ws0\">Repurchase agreements and other<span class=\"_ _3eb\"> </span></div><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">similar<span class=\"_ gs1a2\"> </span>secured borrowing<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xda2 y67d6 w72b h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">7,757<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xda3 y67d6 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xda4 y67d6 w72c h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">7,757<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xda5 y67d6 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xda6 y67d6 w72c h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">7,757<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xda7 y67d6 w72d h212\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws7\">12,132<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd58 y67d6 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xda8 y67d6 w72e h212\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws7\">12,133<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xda9 y67d6 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdaa y67d6 w72f h212\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws7\">12,133<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y67d7 w6c1 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">Debt securities in issue<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdab y67d7 w730 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">72,858<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdac y67d7 w731 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">36,578<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdad y67d7 w732 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">36,392<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdae y67d7 w14e h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdaf y67d7 w733 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">72,970<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdb0 y67d7 w734 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">64,609<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdb1 y67d7 w735 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">32,209<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdb2 y67d7 w736 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">32,181<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdb3 y67d7 w14f h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdb4 y67d7 w737 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">64,390<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y65bd w738 h243\"><div class=\"t m0 x1ed hb y671e ff4 fs7 fc3 sc0 ls7 ws7\">Subordinated liabilities and other<span class=\"_ _3eb\"> </span></div><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws0\">borrowed funds<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdb5 y65bd w739 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">8,834<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdb6 y65bd w311 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">8,045<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdb7 y65bd w73a h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">607<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdb8 y65bd w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdb9 y65bd w643 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">8,652<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdba y65bd w73b h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">10,382<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdbb y65bd w73c h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">9,599<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdbc y65bd w73d h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">429<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdbd y65bd w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdbe y65bd w6fd h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">10,028<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y67d8 w73e h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">Other liabilities\u00b9<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdbf y67d8 w73f h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">45,788<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdc0 y67d8 w14e h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdc1 y67d8 w740 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">45,788<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdc2 y67d8 w14e h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdc3 y67d8 w740 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">45,788<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdc4 y67d8 w741 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">44,047<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdc5 y67d8 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdc6 y67d8 w742 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">44,047<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdc7 y67d8 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdc8 y67d8 w742 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">44,047<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y67d9 w743 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">Liabilities held for sale<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdc9 y67d9 w744 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">908<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdca y67d9 w745 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">147<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdcb y67d9 w746 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">761<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdcc y67d9 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdcd y67d9 w747 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">908<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdce y67d9 w748 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">360<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdcf y67d9 w749 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">89<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdd0 y67d9 w74a h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">271<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdd1 y67d9 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdd2 y67d9 w74b h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">360<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6567 w71a h20b\"><div class=\"t m0 x1ed hb2 y65af ff5 fs7 fc3 sc0 ls7 ws7\">Total as at 31 December<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdd3 y6567 w74c h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">697,152<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdd4 y6567 w74d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">44,770<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdd5 y6567 w74e h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">648,720<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdd6 y6567 w14e h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdd7 y6567 w74f h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">693,490<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdd8 y6567 w4e9 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">621,419<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdd9 y6567 w750 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">41,897<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdda y6567 w23e h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">575,848<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xda9 y6567 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xddb y6567 w751 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">617,745<span class=\"_ _3eb\"> </span></div></td></tr></table></div><div class=\"t m0 hb ff1 fs7 fc3 sc0 ls7 ws7 gs4ef\">1 <span class=\"_ _b\"> </span><span class=\"ff4\">The carrying amount of these financial instruments is considered to be a reasonable <span class=\"_ _7\"></span>approximation of fair value as they are short-term <span class=\"_ _7\"></span>in nature or reprice </span></div><div class=\"t m0 hb ff4 fs7 fc3 sc0 ls7 ws7 gs4f0\">to<span class=\"_ gs1a2\"> </span>current market rates frequently.<span class=\"_ _3eb\"> </span></div><div class=\"t m0 hb ff1 fs7 fc3 sc0 ls7 ws7 gs4f1\">2 <span class=\"_ _f\"> </span><span class=\"ff4\">Includes Government bonds and Treasury bills of $27,813 million at 31 December <span class=\"_ _7\"></span>2025 (31 December 2024: $23,150 million).<span class=\"_ _3eb\"> </span></span></div><div class=\"t m0 hc ff6 fs8 fc2 sc0 ls8 ws0 gs4f2\">Loans and advances to customers by client segment</div><div class=\"t m0 h11 ff6 fsd fc2 sc0 ls0 ws0 gs4f3\">1<span class=\"_ _3eb\"> </span></div><div class=\"gs4f4\"><table class=\"s w752 h24e\" id=\"_f5f22e35-2c01-434c-823d-917d99dcff21\"><tr><td></td><td></td><td></td><td class=\"c n xddc y67da w281 h24f\"><div class=\"t m0 x1ed h14f y6611 ff5 fs64 fc0 sc0 ls50 ws5b\">2025<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td class=\"c n xddd y67da w6f9 h250\"><div class=\"t m0 x1ed h14f y6611 ff1 fs64 fc3 sc0 ls50 ws5b\">2024<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"c n xdde y67db w753 h24f\"><div class=\"t m0 x1ed h14f y6611 ff5 fs64 fc0 sc0 ls50 ws5b\">Carrying value<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td class=\"c n xddf y67db w537 h24f\"><div class=\"t m0 x1ed h14f y6611 ff5 fs64 fc0 sc0 ls50 ws5b\">Fair value<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td class=\"c n xde0 y67db w754 h250\"><div class=\"t m0 x1ed h14f y6611 ff1 fs64 fc3 sc0 ls50 ws0\">Carrying value<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td class=\"c n xde1 y67db w755 h250\"><div class=\"t m0 x1ed h14f y6611 ff1 fs64 fc3 sc0 ls50 ws0\">Fair value<span class=\"_ _3eb\"> </span></div></td><td></td></tr><tr><td></td><td></td><td class=\"t m0 xde2 h14f y67dc ff5 fs64 fc0 sc0 ls50 ws5b\">Stage 1 and </td><td></td><td></td><td class=\"t m0 xde3 h14f y67dc ff5 fs64 fc0 sc0 ls50 ws5b\">Stage 1 and </td><td></td><td></td><td class=\"t m0 xde4 h151 y67dc ff1 fs64 fc3 sc0 ls50 ws0\">Stage 1 and </td><td></td><td></td><td class=\"t m0 xde5 h151 y67dc ff1 fs64 fc3 sc0 ls50 ws0\">Stage 1 and </td><td></td></tr><tr><td></td><td class=\"t m0 xde6 h14f y67dd ff5 fs64 fc0 sc0 ls50 ws5b\">Stage 3<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xde7 h14f y67dd ff5 fs64 fc0 sc0 ls50 ws5b\">stage 2<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xd2c h14f y67dd ff5 fs64 fc0 sc0 ls50 ws5b\">Total<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xde8 h14f y67dd ff5 fs64 fc0 sc0 ls50 ws5b\">Stage 3<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xde9 h14f y67dd ff5 fs64 fc0 sc0 ls50 ws5b\">stage 2<span class=\"_ _3eb\"> </span></td><td></td><td class=\"t m0 x602 h151 y67dd ff1 fs64 fc3 sc0 ls50 ws0\">Stage 3<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xdea h151 y67dd ff1 fs64 fc3 sc0 ls50 ws0\">stage 2<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xdeb h151 y67dd ff1 fs64 fc3 sc0 ls50 ws5b\">Total<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xdec h151 y67dd ff1 fs64 fc3 sc0 ls50 ws0\">Stage 3<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x546 h151 y67dd ff1 fs64 fc3 sc0 ls50 ws0\">stage 2<span class=\"_ _3eb\"> </span></td><td></td></tr><tr><td></td><td class=\"t m0 xded h14f y67de ff5 fs64 fc0 sc0 ls50 ws5b\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xdee h14f y67de ff5 fs64 fc0 sc0 ls50 ws5b\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x53e h14f y67de ff5 fs64 fc0 sc0 ls50 ws5b\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x53f h14f y67de ff5 fs64 fc0 sc0 ls50 ws5b\">$million<span class=\"_ _3eb\"> </span></td><td class=\"c n xdef y67df w53d h24f\"><div class=\"t m0 x1ed h14f y6611 ff5 fs64 fc0 sc0 ls50 ws5b\">$million<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdf0 y67df w756 h24f\"><div class=\"t m0 x1ed h14f y6611 ff5 fs64 fc0 sc0 ls50 ws5b\">Total</div></td><td class=\"t m0 x542 h153 y67de ff4 fs64 fc3 sc0 ls50 ws5b\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x543 h153 y67de ff4 fs64 fc3 sc0 ls50 ws5b\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x544 h153 y67de ff4 fs64 fc3 sc0 ls50 ws5b\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x545 h153 y67de ff4 fs64 fc3 sc0 ls50 ws5b\">$million<span class=\"_ _3eb\"> </span></td><td class=\"c n xdf1 y67e1 w757 h251\"><div class=\"t m0 x1ed h153 y67e0 ff4 fs64 fc3 sc0 ls50 ws5b\">$million<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdf2 y67e1 w758 h250\"><div class=\"t m0 x1ed h153 y67e0 ff1 fs64 fc3 sc0 ls50 ws5b\">Total<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x221 hba y67e2 ff1 fs7 fc3 sc0 ls7 ws7\">Corporate </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m0 x221 hb y67e3 ff4 fs7 fc3 sc0 ls7 ws7\">&amp;<span class=\"_ gs1a2\"> </span>Investment </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y67e4 w759 h212\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws7\">Banking<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdf3 y67e4 w75a h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">1,987<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdf4 y67e4 w75b h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">140,193<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdf5 y67e4 w75c h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">142,180<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdf6 y67e4 w478 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">1,974<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdf7 y67e4 w75d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">140,463<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdf8 y67e4 w75e h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">142,437<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdf9 y67e4 w75f h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">1,298<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdfa y67e4 w760 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">137,006<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdfb y67e4 w761 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">138,304<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdfc y67e4 w762 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">1,174<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdfd y67e4 w763 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">137,234<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdfe y67e4 w764 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">138,408<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x221 hba y67e5 ff1 fs7 fc3 sc0 ls7 ws0\">Wealth &amp; </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y67e6 w765 h212\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws0\">Retail Banking<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdff y67e6 w766 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">877<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe00 y67e6 w767 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">126,100<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe01 y67e6 w768 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">126,977<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe02 y67e6 w769 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">875<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe03 y67e6 w76a h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">125,023<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe04 y67e6 w76b h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">125,898<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe05 y67e6 w76c h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">858<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe06 y67e6 w76d h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">118,390<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe07 y67e6 w76e h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">119,248<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe08 y67e6 w76c h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">858<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe09 y67e6 w76f h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">116,823<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe0a y67e6 w770 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">117,681<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y67e7 w771 h212\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws7\">Ventures<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe0b y67e7 w772 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">13<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe0c y67e7 w773 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">2,646<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe0d y67e7 w774 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">2,659<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe0e y67e7 w772 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">13<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe0f y67e7 w775 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">2,646<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe10 y67e7 w776 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">2,659<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe11 y67e7 w6f0 h212\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe12 y67e7 w777 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">1,388<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe13 y67e7 w6b9 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">1,389<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe14 y67e7 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe15 y67e7 w778 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">1,388<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe16 y67e7 w777 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">1,388<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x221 hba y67e8 ff1 fs7 fc3 sc0 ls7 ws0\">Central &amp; </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y67e9 w779 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">other<span class=\"_ gs1a2\"> </span>items<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe17 y67e9 w14e h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe18 y67e9 w77a h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">14,972<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe19 y67e9 w77a h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">14,972<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe1a y67e9 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe1b y67e9 w3b7 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">14,858<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe1c y67e9 w1e3 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">14,858<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe1d y67e9 w749 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">98<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe1e y67e9 w77b h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">21,993<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe1f y67e9 w77c h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">22,091<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe20 y67e9 w749 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">98<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe21 y67e9 w77b h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">21,993<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe22 y67e9 w77c h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">22,091<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y6567 w77d h252\"><div class=\"t m0 x1ed h13 y671e ff5 fs7 fc3 sc0 ls7 ws7\">Total as at<span class=\"_ _3eb\"> </span></div><div class=\"t m0 x1ed hb2 y65af ff5 fs7 fc3 sc0 ls7 ws7\">31 December<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe23 y6567 w77e h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">2,877<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe24 y6567 w77f h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">283,911<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe25 y6567 w2e5 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">286,788<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe26 y6567 w684 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">2,862<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe27 y6567 w780 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">282,990<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe28 y6567 w781 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">285,852<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe29 y6567 w782 h212\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws7\">2,255<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe2a y6567 w783 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">278,777<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe2b y6567 w705 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">281,032<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe2c y6567 w784 h212\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws7\">2,130<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe2d y6567 w785 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">277,438<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe2e y6567 w708 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">279,568<span class=\"_ _3eb\"> </span></div></td></tr></table></div><div class=\"t m0 hb ff1 fs7 fc3 sc0 ls7 ws7 gs4f5\">1 <span class=\"_ _b\"> </span><span class=\"ff4\">Loans and advances includes reverse repurchase agreements and other similar secured lending: carrying <span class=\"_ _7\"></span>value $8,242 million and fair value $8,243 million </span></div><div class=\"t m0 hb ff4 fs7 fc3 sc0 ls7 ws7 gs4f6\">(31 December 2024: $9,660 million and $9,660 million <span class=\"_ _7\"></span>respectively)<span class=\"_ _3eb\"> </span>.<span class=\"_ _3eb\"> </span></div><div class=\"t m0 hc ff7 fs8 fc2 sc0 ls8 wsb gs4f8\">Fair value of <span class=\"_ _7\"></span>financial instruments<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h4 ff5 fs1 fc1 sc0 ls1 ws2 gs4f9\">Level 3 <span class=\"_ _7\"></span>Summary and <span class=\"_ _7\"></span>significant unobservable <span class=\"_ _1b\"></span>inputs<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs4fa\">The following table presents the Group\u2019s <span class=\"_ _7\"></span>primary Level 3 financial instruments which are <span class=\"_ _7\"></span>held at fair value. The table <span class=\"_ _7\"></span>also </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs4fb\">presents the valuation techniques used to <span class=\"_ _7\"></span>measure the fair value of those financial <span class=\"_ _7\"></span>instruments, the significant unobservable </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs4fc\">inputs, the range of values for <span class=\"_ _7\"></span>those inputs and the weighted average of <span class=\"_ _7\"></span>those inputs:<span class=\"_ _3eb\"> </span></div><div class=\"gs4fd\"><table class=\"s w786 h253\" id=\"_7eb67cf7-040c-4137-b0a3-df567cf7d2bb\"><tr><td></td><td></td><td class=\"t m0 x2cb h38 y67ea ff5 fs17 fc0 sc0 ls21 ws20\">Value as at<span class=\"ff2 ls0 ws0\"> </span></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"t m0 xe2f h38 y67eb ff5 fs17 fc0 sc0 ls21 ws20\" colspan=\"2\">31 December 2025<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"t m0 xe30 h38 y67ec ff5 fs17 fc0 sc0 ls21 ws20\">Assets<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xe31 h38 y67ec ff5 fs17 fc0 sc0 ls21 ws20\">Liabilities<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td class=\"t m0 xe32 h39 y67ec ff1 fs17 fc3 sc0 ls21 ws20\">Weighted<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"t m0 x235 h39 y67ed ff1 fs17 fc3 sc0 ls21 ws20\">Instrument<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xe33 h38 y67ed ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xe34 h38 y67ed ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"c n xe35 y67ee w787 h215\"><div class=\"t m0 x1ed h2c y65c7 ff4 fs17 fc3 sc0 ls21 ws20\">Principal valuation technique<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe36 y67ee w788 h215\"><div class=\"t m0 x1ed h2c y65c7 ff4 fs17 fc3 sc0 ls21 ws20\">Significant unobservable<span class=\"_ gs490\"> </span>inputs<span class=\"_ _3eb\"> </span></div></td><td class=\"c xe38 y67ee w789 h254\"><div class=\"t m0 x1ed h2c y65c7 ff1 fs17 fc3 sc0 ls21 ws20\">Range</div><div class=\"t m0 xe37 h3a y65c8 ff1 fs19 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c xe3a y67ef w78a h228\"><div class=\"t m0 x1ed h39 y65c3 ff1 fs17 fc3 sc0 ls21 ws20\">average</div><div class=\"t m0 xe39 h3a y664d ff1 fs19 fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x235 h3b y67f0 ff1 fs5 fc3 sc0 ls5 ws0\">Loans and advances </td><td class=\"c n xe3b y67f1 w397 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">299<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe3c y67f1 w2bc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe3d y67f1 w78b h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Discounted cash flows<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe3e y67f1 w78c h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">Price/yield<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe3f y67f1 w78d h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">4.4% \u2013 4.9%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe40 y67f1 w78e h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">4.6%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x235 h1a y67f2 ff4 fs5 fc3 sc0 ls5 ws5\">to<span class=\"_ gs1a1\"> </span>banks<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m0 x235 h3b y67f3 ff1 fs5 fc3 sc0 ls5 ws0\">Loans and advances </td><td class=\"c n xe41 y67f4 w78f h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">3,464<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe42 y67f4 w2bc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe43 y67f4 w78b h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Discounted cash flows<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe44 y67f4 w78c h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">Price/yield<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe45 y67f4 w790 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">2.1% \u2013 61.3%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe46 y67f4 w791 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">8.9%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y67f5 w792 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">to<span class=\"_ gs1a1\"> </span>customers</div><div class=\"t m0 xe47 h3c y660d ff1 fs1b fc3 sc0 ls0 ws0\">3<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td></td><td class=\"c n xe48 y67f6 w793 h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Recovery rate<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe49 y67f6 w794 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">99.98% \u2013 99.99%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe4a y67f6 w795 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">99.99%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td></td><td></td><td class=\"c n xe35 y67f7 w348 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Comparable pricing/yield<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe4b y67f7 w796 h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">Price<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe4c y67f7 w797 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">29.4% \u2013 100%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe4d y67f7 w798 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">93.2%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x235 h3b y67f8 ff1 fs5 fc3 sc0 ls5 ws0\">Reverse repurchase </td><td class=\"c n xe41 y67f9 w799 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">3,684<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe4e y67f9 w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe4f y67f9 w78b h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Discounted cash flows<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe50 y67f9 w79a h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Repo curve<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe51 y67f9 w79b h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">0.7% \u2013 8.1%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe52 y67f9 w79c h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">5.4%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x235 h1a y67fa ff4 fs5 fc3 sc0 ls5 ws5\">agreements and other similar </td><td></td><td></td><td></td><td class=\"c n xe48 y67fb w78c h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Price/yield<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe3f y67fb w79d h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">4.1% \u2013 25.1%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe53 y67fb w32d h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">9.6%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x235 h3b y67fc ff1 fs5 fc3 sc0 ls5 ws0\">secured lending<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m0 x235 h1a y67fd ff4 fs5 fc3 sc0 ls5 ws5\">Debt securities, alternative </td><td class=\"c n xe54 y67fe w79e h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">3,324<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe55 y67fe w2bc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe56 y67fe w78b h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Discounted cash flows<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe57 y67fe w78c h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">Price/yield<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe58 y67fe w79f h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">2.6% \u2013 53.8%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe59 y67fe w542 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">7.7%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x235 h1a y67ff ff4 fs5 fc3 sc0 ls5 ws5\">tier one and other eligible </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m0 x235 h1a y6800 ff4 fs5 fc3 sc0 ls5 ws5\">securities<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m0 x235 h3b y6801 ff1 fs5 fc3 sc0 ls5 ws0\">Equity shares (includes </td><td class=\"c n xe5a y6802 w7a0 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">1,477<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe5b y6802 w2bc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c xe5d y6802 w7a1 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">Comparable pricing/yield</div><div class=\"t m0 xe5c h3c y6803 ff1 fs1b fc3 sc0 ls0 ws0\">4<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe48 y6804 w796 h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">Price<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe5e y6804 w3cc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">N/A<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe5f y6804 w7a2 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">N/A<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x235 h1a y6805 ff4 fs5 fc3 sc0 ls5 ws5\">private equity investments)<span class=\"_ _3eb\"> </span></td><td></td><td></td><td class=\"c n xe35 y6806 w78b h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Discounted cash flows<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe60 y6806 w7a3 h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Discount rates<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe61 y6806 w7a4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">8.2% \u2013 25.9%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe62 y6806 w5ce h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">10.5%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td></td><td></td><td class=\"c n xe35 y6807 w7a5 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Option pricing model<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe63 y6807 w7a6 h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Equity value based on<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe64 y6807 w7a7 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">5.4x \u2013 23.0x<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe65 y6807 w7a8 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">11.54x<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"t m0 x670 h1a y6808 ff4 fs5 fc3 sc0 ls5 ws5\">EV/Revenue multiples<span class=\"_ _3eb\"> </span></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"t m0 x670 h3b y6809 ff1 fs5 fc3 sc0 ls5 ws0\">Equity value based on </td><td class=\"c n x7e0 y680a w7a9 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">3.2x \u2013 3.2x<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe66 y680a w7aa h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">3.2x<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"t m0 x670 h1a y680b ff4 fs5 fc3 sc0 ls5 ws5\">EV/EBITDA multiples<span class=\"_ _3eb\"> </span></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"t m0 x670 h3b y680c ff1 fs5 fc3 sc0 ls5 ws0\">Equity value based on </td><td class=\"c n x392 y680d w7ab h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">40.0% \u2013 40.0%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe67 y680d w7ac h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">40.0%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"t m0 x670 h1a y680e ff4 fs5 fc3 sc0 ls5 ws5\">volatility<span class=\"_ _3eb\"> </span></td><td></td><td></td></tr><tr><td class=\"t m0 x235 h1a y680f ff4 fs5 fc3 sc0 ls5 ws5\">Derivative financial </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m0 x235 h1a y6810 ff4 fs5 fc3 sc0 ls5 ws5\">instruments of which:<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x236 y6811 w7ad h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Foreign exchange<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe68 y6811 w3a6 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">35<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe69 y6811 w74 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">21<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe6a y6811 w7a5 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">Option pricing model<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe6b y6811 w7ae h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Foreign exchange option<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe6c y6812 w7af h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">0.4% \u2013 44.6%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe6d y6812 w612 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">33.0%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"t m0 x670 h1a y6813 ff4 fs5 fc3 sc0 ls5 ws5\">implied volatility<span class=\"_ _3eb\"> </span></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td class=\"c n xe35 y6814 w78b h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Discounted cash flows<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe60 y6814 w7b0 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Interest rate curves<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe6e y6814 w7b1 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">0.3% \u2013 36.0%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe6f y6814 w7b2 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">14.3%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"c n xe48 y6815 w7b3 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Foreign exchange curves<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe70 y6815 w7b4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">1.3% \u2013 3.9%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe71 y6815 w7b5 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">1.7%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x236 y6816 w463 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">Commodity<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe72 y6816 w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe73 y6816 w2f1 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe74 y6816 w7b6 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Discounted cash flows<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe75 y6816 w7b7 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Commodity prices<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe76 y6816 w7b8 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">$0.2 \u2013 $341.2<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe77 y6816 w579 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">$62.4<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td></td><td></td><td class=\"c n xe35 y6817 w7b9 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Internal pricing model<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe78 y6817 w7ba h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">CM-CM correlation<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe79 y6817 w7bb h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">59.7% \u2013 97.4%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe7a y6817 w7bc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">78.6%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x236 y65e8 w7bd h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Interest rate<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe7b y65e8 w7be h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">46<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe7c y65e8 wac h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">22<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe7d y65e8 w78b h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Discounted cash flows<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe7e y65e8 w7b0 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Interest rate curves<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe7f y65e8 w7bf h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">3.5% \u2013 36.0%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe80 y65e8 w7c0 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">9.8%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x236 y65e9 w7c1 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">Credit<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe81 y65e9 w91 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">5<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe82 y65e9 w1e9 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">128<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe83 y65e9 w78b h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Discounted cash flows<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe84 y65e9 w7c2 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Credit spreads<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe85 y65e9 w7c3 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">0.9% \u2013 1.0%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe86 y65e9 w7c4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">0.9%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"c n xe48 y6818 w78c h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Price/yield<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe87 y6818 w7c5 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">2.7% \u2013 25.1%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe88 y6818 w7c6 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">7.3%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td></td><td></td><td class=\"c n xe35 y6819 w7b9 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Internal pricing model<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe78 y6819 w7c7 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Bond option implied<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe89 y6819 w7c8 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">5.0% \u2013 13.0%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe8a y6819 w7c9 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">10.8%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"t m0 x670 h1a y681a ff4 fs5 fc3 sc0 ls5 ws5\">volatility<span class=\"_ _3eb\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x236 y681b w7ca h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Equity and stock index<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe8b y681b w47b h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">4<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe8c y681b w4b2 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">54<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe8d y681b w7b9 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">Internal pricing model<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe8e y681b w7cb h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Equity-Equity correlation<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe8f y681b w7cc h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">50.8% \u2013 100%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe90 y681b w7cd h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">77.6%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"c n xe48 y681c w7ce h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Equity-FX correlation<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe91 y681c w7cf h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(26.9)% \u2013 46.8%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe92 y681c w7d0 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">6.7%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y681d wf2 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Deposits by banks<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe93 y681d w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe94 y681d w397 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">269<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe95 y681d w78b h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Discounted cash flows<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe96 y681d w7d1 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">Price/Yield<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe97 y681d w7d2 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">4.3% \u2013 6.1%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe98 y681d w7d3 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">5.7%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y681e wf5 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Customer accounts<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe99 y681e w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe9a y681e w7d4 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">3,478<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe9b y681e w7b9 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">Internal pricing model<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe9c y681e w7cb h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Equity-Equity correlation<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe9d y681e w7cc h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">50.8% \u2013 100%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe9e y681e w7cd h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">77.6%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"c n xe48 y681f w7ce h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Equity-FX correlation<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe91 y681f w7cf h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(26.9)% \u2013 46.8%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe92 y681f w7d0 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">6.7%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"c n xe48 y6820 w78c h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Price/yield<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe9f y6820 w7d5 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">2.6% \u2013 20.8%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xea0 y6820 wb3 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">8.7%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y65f3 w101 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">Debt securities in issue<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xea1 y65f3 w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xea2 y65f3 w317 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">1,084<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xea3 y65f3 w78b h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Discounted cash flows<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xea4 y65f3 w78c h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">Price/yield<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xea5 y65f3 w7d6 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">7.4% \u2013 19.0%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x21b y65f3 w7d7 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">17.1%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"c n xe48 y6821 w7b0 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Interest rate curves<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xea6 y6821 w7d8 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">3.6% \u2013 36.0%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xea7 y6821 w1bb h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">15.1%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td></td><td></td><td class=\"c n xe35 y6822 w7b9 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Internal pricing model<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe78 y6822 w7cb h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Equity-Equity correlation<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xea8 y6822 w7cc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">50.8% \u2013 100%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xea9 y6822 w7cd h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">77.6%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"c n xe48 y6823 w7ce h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Equity-FX correlation<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe91 y6823 w7cf h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(26.9)% \u2013 46.8%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe92 y6823 w7d0 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">6.7%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td></td><td></td><td class=\"c n xe35 y6824 w7a5 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Option pricing model<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe63 y6824 w7c7 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Bond option implied<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe89 y6824 w7c8 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">5.0% \u2013 13.0%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe8a y6824 w7c9 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">10.8%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"t m0 x670 h1a y6825 ff4 fs5 fc3 sc0 ls5 ws5\">volatility<span class=\"_ _3eb\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x1ee y6826 w5b5 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">Short positions<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xeaa y6826 w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xeab y6826 w7d9 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">76<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xeac y6826 w78b h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Discounted cash flows<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xead y6826 w78c h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">Price/yield<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xeae y6826 w7da h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">7.13% \u2013 7.13%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xeaf y6826 w7db h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">7.1%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6567 w49a h203\"><div class=\"t m0 x1ed h3d y655f ff5 fs5 fc3 sc0 ls5 ws5\">Total<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xeb0 y6567 w7dc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">12,338<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xeb1 y6567 w7dd h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">5,133<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td></td><td></td></tr></table></div><div class=\"t m0 hb ff1 fs7 fc3 sc0 ls7 ws7 gs4fe\">1 <span class=\"_ _b\"> </span><span class=\"ff4\">The ranges of values shown in the above table represent the highest and <span class=\"_ _7\"></span>lowest levels used in the valuation of the <span class=\"_ _7\"></span>Group\u2019s Level 3 financial instruments as at </span></div><div class=\"t m0 hb ff4 fs7 fc3 sc0 ls7 ws7 gs4ff\">31 December 2025. The ranges of values used <span class=\"_ _7\"></span>are reflective of the underlying characteristics of these <span class=\"_ _7\"></span>Level 3 financial instruments based on the market <span class=\"_ _7\"></span>conditions </div><div class=\"t m0 hb ff4 fs7 fc3 sc0 ls57 ws67 gs500\">at<span class=\"_ gs1a2\"> </span>the balance sheet date. <span class=\"_ _7\"></span>However, these ranges of <span class=\"_ _7\"></span>values may not represent <span class=\"_ _7\"></span>the uncertainty in <span class=\"_ _7\"></span>fair value measurements of <span class=\"_ _7\"></span>the Group\u2019s Level 3 <span class=\"_ _7\"></span>financial instruments.<span class=\"_ _3eb\"> </span></div><div class=\"t m0 hb ff1 fs7 fc3 sc0 ls53 ws5e gs501\">2 <span class=\"_ _f\"> </span><span class=\"ff4\">Weighted average for non-derivative financial instruments has been calculated by weighting <span class=\"_ _7\"></span>inputs by the relative fair value. <span class=\"_ _7\"></span>Weighted average for derivatives has </span></div><div class=\"t m0 hb ff4 fs7 fc3 sc0 ls7 ws7 gs502\">been provided by weighting inputs by the risk <span class=\"_ _7\"></span>relevant to that variable. N/A has been entered <span class=\"_ _7\"></span>for the cases where weighted average is not <span class=\"_ _7\"></span>a meaningful indicator.<span class=\"_ _3eb\"> </span></div><div class=\"t m0 hb ff1 fs7 fc3 sc0 ls7 ws7 gs503\">3 <span class=\"_ _f\"> </span><span class=\"ff4\">The inputs for Loans and advances to customers under Discounted Cash flow technique <span class=\"_ _7\"></span>have been split to show as a separate <span class=\"_ _7\"></span>line under Comparable pricing/yield </span></div><div class=\"t m0 hb ff4 fs7 fc3 sc0 ls7 ws7 gs504\">for better representation of material inputs.<span class=\"_ _3eb\"> </span></div><div class=\"t m0 hb ff1 fs7 fc3 sc0 ls7 ws7 gs505\">4 <span class=\"_ _e\"> </span><span class=\"ff4\">The inputs for equity shares under Comparable pricing/yield technique have been consolidated <span class=\"_ _7\"></span>under \u2018Price\u2019 as they are not individually material.<span class=\"_ _3eb\"> </span></span></div><table class=\"s w7de h255\" id=\"_ab9c0f7e-fe1d-4823-a74e-866441c836b3\"><tr><td></td><td></td><td class=\"t m0 xeb2 h39 y6827 ff1 fs17 fc3 sc0 ls21 ws0\">Value as at<span class=\"ls0\"> </span></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"t m0 xeb3 h39 y6828 ff1 fs17 fc3 sc0 ls21 ws0\" colspan=\"2\">31 December 2024<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"t m0 xeb4 h39 y6829 ff1 fs17 fc3 sc0 ls21 ws20\">Assets<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xeb5 h2c y6829 ff4 fs17 fc3 sc0 ls21 ws20\">Liabilities<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td class=\"t m0 xeb6 h39 y6829 ff1 fs17 fc3 sc0 ls21 ws20\">Weighted<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"t m0 x221 h39 y682a ff1 fs17 fc3 sc0 ls21 ws20\">Instrument<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xeb3 h2c y682a ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xeb7 h2c y682a ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"c n xeb8 y682b w787 h215\"><div class=\"t m0 x1ed h2c y65c7 ff4 fs17 fc3 sc0 ls21 ws20\">Principal valuation technique<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xeb9 y682b w788 h215\"><div class=\"t m0 x1ed h2c y65c7 ff4 fs17 fc3 sc0 ls21 ws20\">Significant unobservable<span class=\"_ gs490\"> </span>inputs<span class=\"_ _3eb\"> </span></div></td><td class=\"c xebb y682b w7df h256\"><div class=\"t m0 x1ed h2c y65c7 ff1 fs17 fc3 sc0 ls21 ws20\">Range</div><div class=\"t m0 xeba h3a y65c8 ff1 fs19 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c xebd y682c w7e0 h257\"><div class=\"t m0 x1ed h39 y65c3 ff1 fs17 fc3 sc0 ls21 ws20\">average</div><div class=\"t m0 xebc h3a y664d ff1 fs19 fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x221 h3b y682d ff1 fs5 fc3 sc0 ls5 ws0\">Loans and advances </td><td class=\"c n xebe y682e w335 h1ff\"><div class=\"t m0 x1ed h1a y6640 ff4 fs5 fc3 sc0 ls5 ws5\">1,937<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xebf y682e w2bc h1ff\"><div class=\"t m0 x1ed h1a y6640 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xec0 y682e w78b h1fe\"><div class=\"t m0 x1ed h1a y6640 ff1 fs5 fc3 sc0 ls5 ws0\">Discounted cash flows<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xec1 y682e w78c h1ff\"><div class=\"t m0 x1ed h1a y6640 ff4 fs5 fc3 sc0 ls5 ws5\">Price/yield<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xec2 y682e w7e1 h1ff\"><div class=\"t m0 x1ed h1a y6640 ff4 fs5 fc3 sc0 ls5 ws5\">1.0% \u2013 26.1%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xec3 y682e w542 h1ff\"><div class=\"t m0 x1ed h1a y6640 ff4 fs5 fc3 sc0 ls5 ws5\">7.7%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y6830 w7e2 h1ff\"><div class=\"t m0 x1ed h1a y6640 ff4 fs5 fc3 sc0 ls5 ws5\">to<span class=\"_ gs1a1\"> </span>customers</div><div class=\"t m0 xec4 h3c y682f ff1 fs1b fc3 sc0 ls0 ws0\">3<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td></td><td class=\"c n xec5 y6831 w793 h1fe\"><div class=\"t m0 x1ed h1a y6640 ff1 fs5 fc3 sc0 ls5 ws0\">Recovery rate<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xec6 y6831 w7e3 h1ff\"><div class=\"t m0 x1ed h1a y6640 ff4 fs5 fc3 sc0 ls5 ws5\">93.2% \u2013 95.6%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xec7 y6831 w7e4 h1ff\"><div class=\"t m0 x1ed h1a y6640 ff4 fs5 fc3 sc0 ls5 ws5\">95.1%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td></td><td></td><td class=\"c n xeb8 y6832 w348 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Comparable pricing/yield<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xec8 y6832 w796 h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">Price<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xec9 y6832 w7e5 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">1.2% \u2013 100%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xeca y6832 w7e6 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">89.9%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x221 h3b y6833 ff1 fs5 fc3 sc0 ls5 ws0\">Reverse repurchase </td><td class=\"c n xecb y6834 w7e7 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">3,239<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xecc y6834 w2bc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xecd y6834 w78b h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Discounted cash flows<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xece y6834 w7e8 h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Repo curve<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xecf y6834 w7e9 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">2.0% \u2013 7.6%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xed0 y6834 w1d8 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">6.2%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y6835 w7ea h247\"><div class=\"t m0 x1ed h3b y65dd ff1 fs5 fc3 sc0 ls5 ws0\">agreements and other<span class=\"_ _3eb\"> </span></div><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">similar<span class=\"_ gs1a1\"> </span>secured lending<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td></td><td class=\"c n xec5 y6836 w78c h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Price/yield<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xed1 y6836 w7eb h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">2.3% \u2013 10.5%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xed2 y6836 w7ec h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">6.4%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x221 h1a y6837 ff4 fs5 fc3 sc0 ls5 ws5\">Debt securities, alternative </td><td class=\"c n xed3 y6838 w654 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">1,584<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xed4 y6838 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xed5 y6838 w78b h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Discounted cash flows<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xed6 y6838 w7ed h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Price/yield<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xed7 y6838 w7ee h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">0.7% \u2013 15.3%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xed8 y6838 w32d h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">6.9%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x221 h1a y6839 ff4 fs5 fc3 sc0 ls5 ws5\">tier one and other eligible </td><td></td><td></td><td></td><td class=\"c n xec5 y683a w793 h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Recovery rate<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xed9 y683a w7ef h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">0.01% \u2013 16.3%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xeda y683a w460 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">9.2%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x221 h1a y683b ff4 fs5 fc3 sc0 ls5 ws5\">securities<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1ee y683c w7f0 h258\"><div class=\"t m0 x1ed h3b y6751 ff1 fs5 fc3 sc0 ls5 ws0\">Government bonds and<span class=\"_ _3eb\"> </span></div><div class=\"t m0 x1ed h3b y6600 ff1 fs5 fc3 sc0 ls5 ws0\">treasury bills<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xedb y683d w7f1 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">9<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xedc y683d w2bc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xedd y683d w78b h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Discounted cash flows<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xede y683d w78c h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Price/yield<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xedf y683d w7f2 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">23.5% \u2013 23.5%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xee0 y683d w7f3 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">23.5%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x221 h3b y683e ff1 fs5 fc3 sc0 ls5 ws0\">Equity shares (includes </td><td class=\"c n xee1 y683f w7f4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">1,156<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xee2 y683f w2bc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c xee4 y683f w7f5 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Comparable pricing/yield</div><div class=\"t m0 xee3 h3c y660d ff1 fs1b fc3 sc0 ls0 ws0\">4<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xec5 y683f w7f6 h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">Price<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xee5 y683f w3cc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">N/A<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xee6 y683f w7a2 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">N/A<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x221 h1a y6840 ff4 fs5 fc3 sc0 ls5 ws5\">private equity investments)<span class=\"_ _3eb\"> </span></td><td></td><td></td><td class=\"c n xeb8 y6841 w78b h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Discounted cash flows<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xee7 y6841 w7a3 h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Discount rates<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xee8 y6841 w7f7 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">8.3% \u2013 20.4%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xee9 y6841 w147 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">10.1%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td></td><td></td><td class=\"c n xeb8 y6842 w7a5 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Option pricing model<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xeea y6842 w7a6 h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Equity value based on<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xeeb y6842 w7f8 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">5.7x \u2013 23.6x<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xeec y6842 w7f9 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">16.2x<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"t m0 x9cb h1a y6843 ff4 fs5 fc3 sc0 ls5 ws5\">EV/Revenue multiples<span class=\"_ _3eb\"> </span></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"t m0 x9cb h3b y6844 ff1 fs5 fc3 sc0 ls5 ws0\">Equity value based on </td><td class=\"c n xeeb y6845 w7fa h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">10.1x \u2013 10.1x<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xeed y6845 w85 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">10.1x<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"t m0 x9cb h1a y6846 ff4 fs5 fc3 sc0 ls5 ws5\">EV/EBITDA multiples<span class=\"_ _3eb\"> </span></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"t m0 x9cb h3b y6847 ff1 fs5 fc3 sc0 ls5 ws0\">Equity value based on </td><td class=\"c n xeee y6848 w7fb h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">30.2% \u2013 50.0%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xeef y6848 w7fc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">30.5%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"t m0 x9cb h1a y6849 ff4 fs5 fc3 sc0 ls5 ws5\">volatility<span class=\"_ _3eb\"> </span></td><td></td><td></td></tr><tr><td class=\"t m0 x221 h1a y684a ff4 fs5 fc3 sc0 ls5 ws5\">Derivative financial </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m0 x221 h1a y684b ff4 fs5 fc3 sc0 ls5 ws5\">instruments of which:<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x40b y684c w7ad h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Foreign exchange<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xef0 y684c w7fd h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">37<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xef1 y684c w7fe h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">8<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xef2 y684c w7ff h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Option pricing <span class=\"_ _7\"></span>model<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xef3 y684c w800 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Foreign exchange option<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xef4 y684c w801 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">10.2% \u2013 46.2%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xef5 y684c w802 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">42.0%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"t m0 x9cb h1a y684d ff4 fs5 fc3 sc0 ls5 ws5\">implied volatility<span class=\"_ _3eb\"> </span></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"c n xec5 y684e w7b0 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Interest rate curves<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xef6 y684e w803 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">3.5% \u2013 9.0%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xef7 y684e w804 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">4.2%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"c n xec5 y684f w7b3 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Foreign exchange curves<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xef8 y684f w805 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(0.03)% \u2013 34.3%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xef9 y684f w806 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">6.1%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x40b y6850 w463 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">Commodity<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xefa y6850 w2bc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xefb y6850 w41a h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xefc y6850 w78b h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Discounted cash flows<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xefd y6850 w807 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Commodity prices<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xefe y6850 w808 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">$383.0 \u2013 <span class=\"_ _7\"></span>$391.0<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xeff y6850 w809 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">$387.0<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"c n xec5 y6851 w7ba h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">CM-CM correlation<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf00 y6851 w80a h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">73.7% \u2013 97.9%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf01 y6851 w80b h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">86.0%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x40b y6852 w7bd h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Interest rate<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf02 y6852 w80c h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">80<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf03 y6852 wa2 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">23<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf04 y6852 w78b h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Discounted cash flows<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf05 y6852 w80d h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Interest rate curves<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf06 y6852 w80e h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">3.5% \u2013 43.9%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf07 y6852 w80f h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">5.1%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td></td><td></td><td class=\"c n xeb8 y6853 w7a5 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Option pricing model<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xeea y6853 w7c7 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Bond option implied<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf08 y6853 w810 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">2.3% \u2013 4.7%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf09 y6853 w811 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">3.5%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"t m0 x9cb h1a y6854 ff4 fs5 fc3 sc0 ls5 ws5\">volatility<span class=\"_ _3eb\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x40b y6855 w7c1 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">Credit<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf0a y6855 wa8 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">9<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf0b y6855 w421 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">189<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf0c y6855 w78b h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Discounted cash flows<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf0d y6855 w812 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Credit spreads<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf0e y6855 w813 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">0.1% \u2013 1.9%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf0f y6855 w539 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">0.9%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"c n xec5 y6856 w78c h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Price/yield<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf10 y6856 w814 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">4.8% \u2013 6.6%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf11 y6856 w604 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">5.5%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x40b y6857 w7ca h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Equity and stock index<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf12 y6857 w4da h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf13 y6857 w815 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">37<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf14 y6857 w816 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Internal pricing model<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf15 y6857 w7cb h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Equity-Equity correlation<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf16 y6857 w817 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">44.9% \u2013 100%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf17 y6857 wc4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">80.0%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"c n xec5 y6858 w7ce h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Equity-FX correlation<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf18 y6858 w818 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(36.4)% \u2013 48.9%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf19 y6858 w819 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">5.0%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6859 wf2 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Deposits by banks<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe93 y6859 w2bc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf1a y6859 w81a h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">371<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf1b y6859 w78b h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Discounted cash flows<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf1c y6859 w81b h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Credit spreads<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf1d y6859 w81c h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">0.2% \u2013 3.5%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf1e y6859 w81d h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">1.5%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y685a wf5 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Customer accounts<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe99 y685a w2bc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf1f y685a w598 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">2,714<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xea3 y685a w816 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Internal pricing model<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf20 y685a w7cb h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Equity-Equity correlation<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf21 y685a w81e h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">44.9% \u2013 100%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x265 y685a wc4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">80.0%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"c n xec5 y685b w7ce h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Equity-FX correlation<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf18 y685b w818 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(36.4)% \u2013 48.9%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf19 y685b w819 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">5.0%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td></td><td></td><td class=\"c n xeb8 y685c w78b h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Discounted cash flows<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xee7 y685c w7b0 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Interest rate curves<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf22 y685c w81f h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">1.4% \u2013 4.4%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf23 y685c w820 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">4.0%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"c n xec5 y685d w78c h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Price/yield<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf24 y685d w821 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">0.7% \u2013 13.0%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf25 y685d w822 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">8.5%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y685e w101 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Debt securities in issue<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xea1 y685e w2bc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf26 y685e w823 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">1,414<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf27 y685e w78b h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Discounted cash flows<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf28 y685e w812 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Credit spreads<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf29 y685e w824 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">0.05% \u2013 2.0%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf2a y685e w1bb h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">0.8%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"c n xec5 y685f w78c h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Price/yield<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xed1 y685f w825 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">6.2% \u2013 14.8%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf2b y685f w826 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">12.7%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"c n xec5 y6860 w7b0 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Interest rate curves<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf2c y6860 w827 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">3.5% \u2013 4.4%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf2d y6860 w19d h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">4.1%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td></td><td></td><td class=\"c n xeb8 y6861 w7b9 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Internal pricing model<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf2e y6861 w7cb h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Equity-Equity correlation<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf2f y6861 w817 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">44.9% \u2013 100%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf30 y6861 wc4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">80.0%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"c n xec5 y6862 w7ce h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Equity-FX correlation<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf18 y6862 w818 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(36.4)% \u2013 48.9%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf19 y6862 w819 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">5.0%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td></td><td></td><td class=\"c n xeb8 y6863 w7a5 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Option pricing model<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xeea y6863 w7c7 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Bond option implied<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xeeb y6863 w828 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">4.0% \u2013 15%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf31 y6863 w829 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">12.5%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"t m0 x9cb h1a y6864 ff4 fs5 fc3 sc0 ls5 ws5\">volatility<span class=\"_ _3eb\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x1ee y6865 w82a h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Short position<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf32 y6865 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf33 y6865 w82b h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">180<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf34 y6865 w78b h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Discounted cash flows<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf35 y6865 w7ed h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Price/yield<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf36 y6865 w82c h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">5.9% \u2013 12.7%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf37 y6865 w60e h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">6.3%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6866 w49a h203\"><div class=\"t m0 x1ed h1a y65de ff5 fs5 fc3 sc0 ls5 ws5\">Total<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf38 y6866 w82d h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">8,053<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf39 y6866 w82e h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">4,937<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td></td><td></td></tr></table>1 <span class=\"_ _b\"> </span><span class=\"ff4\">The ranges of values shown in the above table represent the highest and <span class=\"_ _7\"></span>lowest levels used in the valuation of the <span class=\"_ _7\"></span>Group\u2019s Level 3 financial instruments as at </span>31 December 2024. The ranges of values used <span class=\"_ _7\"></span>are reflective of the underlying characteristics of these <span class=\"_ _7\"></span>Level 3 financial instruments based on the market <span class=\"_ _7\"></span>conditions at the balance sheet <span class=\"_ _7\"></span>date. However, these ranges <span class=\"_ _7\"></span>of values may not <span class=\"_ _7\"></span>represent the uncertainty <span class=\"_ _7\"></span>in fair value measurements <span class=\"_ _7\"></span>of the Group\u2019s Level <span class=\"_ _7\"></span>3 financial instruments.<span class=\"_ _3eb\"> </span>2 <span class=\"_ _f\"> </span><span class=\"ff4\">Weighted average for non-derivative financial instruments has been calculated by weighting <span class=\"_ _7\"></span>inputs by the relative fair value. <span class=\"_ _7\"></span>Weighted average for derivatives has </span>been provided by weighting inputs by the risk <span class=\"_ _7\"></span>relevant to that variable. N/A has been entered <span class=\"_ _7\"></span>for the cases where weighted average is not <span class=\"_ _7\"></span>a meaningful indicator.<span class=\"_ _3eb\"> </span>3 <span class=\"_ _f\"> </span><span class=\"ff4\">The inputs for Loans and advances to customers under Discounted Cash flow technique <span class=\"_ _7\"></span>have been split to show as a separate <span class=\"_ _7\"></span>line under Comparable pricing/yield </span>for better representation of material inputs.<span class=\"_ _3eb\"> </span>4 <span class=\"_ _e\"> </span><span class=\"ff4\">The inputs for equity shares under Comparable pricing/yield technique have been consolidated <span class=\"_ _7\"></span>under \u2018Price\u2019 as they are not individually material.<span class=\"_ _3eb\"> </span></span><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs510\">The following section describes the significant <span class=\"_ _7\"></span>unobservable inputs identified in the valuation technique <span class=\"_ _7\"></span>table:</div><div class=\"t m0 h20 ff1 fs2 fc3 sc0 ls0 ws0 gs511\"> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff6 ls2\">Comparable price/yield<span class=\"ff1\"> is a valuation methodology in which the price of a comparable instrument is used to estimate the<span class=\"_ _11\"></span> </span></span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs512\">fair value where there are no <span class=\"_ _7\"></span>direct observable prices. Yield is the interest <span class=\"_ _7\"></span>rate that is used to discount <span class=\"_ _7\"></span>the future cash flows </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs513\">in<span class=\"_ gs36\"> </span>a discounted cash flow model. Valuation <span class=\"_ _7\"></span>using comparable instruments can be done by <span class=\"_ _7\"></span>calculating an implied yield </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs514\">(or<span class=\"_ gs36\"> </span>spread over a liquid benchmark) from <span class=\"_ _7\"></span>the price of a comparable instrument, then <span class=\"_ _7\"></span>adjusting that yield (or spread) to </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs515\">derive a value for the instrument. <span class=\"_ _7\"></span>The adjustment should account for relevant differences <span class=\"_ _7\"></span>in the financial instruments such </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs516\">as<span class=\"_ gs36\"> </span>maturity and/or credit quality. Alternatively, a <span class=\"_ _7\"></span>price-to-price basis can be assumed between the <span class=\"_ _7\"></span>comparable instrument </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs517\">and the instrument being valued in <span class=\"_ _7\"></span>order to establish the value of the <span class=\"_ _7\"></span>instrument (for example, deriving a fair <span class=\"_ _7\"></span>value for a </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs518\">junior unsecured bond from the price <span class=\"_ _7\"></span>of a senior secured bond). An increase <span class=\"_ _7\"></span>in price, in isolation, would result <span class=\"_ _7\"></span>in a favourable </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs519\">movement in the fair value of <span class=\"_ _7\"></span>the asset. An increase in yield, in <span class=\"_ _7\"></span>isolation, would result in an unfavourable <span class=\"_ _7\"></span>movement in the </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs51a\">fair<span class=\"_ gs36\"> </span>value of the asset</div><div class=\"t m0 h20 ff1 fs2 fc3 sc0 ls0 ws0 gs51b\"> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff6 ls2 ws1\">Correlation<span class=\"ff4\"> is the measure of how movement in one variable influences the <span class=\"_ _7\"></span>movement in another variable. An equity </span></span></div><div class=\"t m0 h9 ff1 fs2 fc3 sc0 ls2 ws0 gs51c\">correlation is the correlation between two equity instruments, an interest rate correlation refers to the correlation between </div><div class=\"t m0 h9 ff1 fs2 fc3 sc0 ls2 ws0 gs51d\">two swap rates, while commodity correlation is correlation between two commodity underlying prices</div><div class=\"t m0 h20 ff1 fs2 fc3 sc0 ls0 ws0 gs51e\"> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff6 ls2\">Commodity price<span class=\"ff4 ws1\"> curves is the term structure for forward rates over a specified <span class=\"_ _7\"></span>period</span></span></div><div class=\"t m0 h20 ff1 fs2 fc3 sc0 ls0 ws0 gs51f\"> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff6 ls2\">Credit spread<span class=\"ff4 ws1\"> represents the additional yield that a market participant would demand for <span class=\"_ _7\"></span>taking exposure to the Credit Risk </span></span></div><div class=\"t m0 h9 ff1 fs2 fc3 sc0 ls2 ws0 gs520\">of an instrument</div><div class=\"t m0 h20 ff1 fs2 fc3 sc0 ls0 ws0 gs521\"> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff6 ls2\">Discount rate<span class=\"ff1\"> refers to the rate of return used to convert expected cash flows into present value<span class=\"_ _11\"></span> </span></span></div><div class=\"t m0 h20 ff1 fs2 fc3 sc0 ls0 ws0 gs522\"> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff6 ls2\">Equity-FX correlation<span class=\"ff1\"> is the correlation between equity instrument and foreign exchange instrument</span></span></div><div class=\"t m0 h20 ff1 fs2 fc3 sc0 ls0 ws0 gs523\"> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff6 ls2\">EV/EBITDA multiple<span class=\"ff4 ws1\"> is the ratio of Enterprise Value (EV) to Earnings Before Interest, <span class=\"_ _7\"></span>Taxes, Depreciation and Amortisation </span></span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs524\">(EBITDA). EV is the aggregate market <span class=\"_ _7\"></span>capitalisation and debt minus the cash and <span class=\"_ _7\"></span>cash equivalents. An increase in EV/<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h9 ff1 fs2 fc3 sc0 ls2 ws0 gs525\">EBITDA multiple will result in a favourable movement in the fair value of the unlisted firm</div><div class=\"t m0 h20 ff1 fs2 fc3 sc0 ls0 ws0 gs526\"> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff6 ls2\">EV/Revenue multiple<span class=\"ff4 ws1\"> is the ratio of Enterprise Value (EV) to Revenue. An increase <span class=\"_ _7\"></span>in EV/Revenue multiple will result in <span class=\"_ _7\"></span>a </span></span></div><div class=\"t m0 h9 ff1 fs2 fc3 sc0 ls2 ws0 gs527\">favourable movement in the fair value of the unlisted firm</div><div class=\"t m0 h20 ff1 fs2 fc3 sc0 ls0 ws0 gs528\"> <span class=\"_ _190\"></span>\u2022<span class=\"_ _71\"> </span><span class=\"ff6 ls1b\">Foreign exchange curves<span class=\"ff4 ws1a\"> is the <span class=\"_ _7\"></span>term structure for forward <span class=\"_ _1b\"></span>rates and swap rates between currency <span class=\"_ _7\"></span>pairs over a <span class=\"_ _7\"></span>specified period</span></span></div><div class=\"t m0 h20 ff1 fs2 fc3 sc0 ls0 ws0 gs529\"> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff6 ls2\">Interest rate curves<span class=\"ff1\"> is the term structure of interest rates and measures of future interest rates at a particular point in time</span></span></div><div class=\"t m0 h20 ff1 fs2 fc3 sc0 ls0 ws0 gs52a\"> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff6 ls2\">Recovery rates<span class=\"ff4 ws1\"> is the expectation of the rate of return resulting from the <span class=\"_ _7\"></span>liquidation of a particular loan. As <span class=\"_ _7\"></span>the probability </span></span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs52b\">of<span class=\"_ gs36\"> </span>default increases for a given instrument, <span class=\"_ _7\"></span>the valuation of that instrument will increasingly <span class=\"_ _7\"></span>reflect its expected recovery level </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls3b ws41 gs52c\">assuming default. <span class=\"_ _1b\"></span>An increase in <span class=\"_ _7\"></span>the recovery <span class=\"_ _1b\"></span>rate, in isolation, <span class=\"_ _7\"></span>would result <span class=\"_ _1b\"></span>in a favourable <span class=\"_ _7\"></span>movement in <span class=\"_ _1b\"></span>the fair value <span class=\"_ _7\"></span>of the <span class=\"_ _1b\"></span>loan</div><div class=\"t m0 h20 ff1 fs2 fc3 sc0 ls0 ws0 gs52d\"> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff6 ls2\">Repo curve<span class=\"ff1\"> is the term structure of repo rates on repos and reverse repos at a particular point in time</span></span></div><div class=\"t m0 h20 ff1 fs2 fc3 sc0 ls0 ws0 gs52e\"> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff7 ls2 ws1\">Volatility<span class=\"ff4\"> represents an estimate of how much a particular instrument, parameter or <span class=\"_ _7\"></span>index will change in value over <span class=\"_ _7\"></span>time. </span></span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs52f\">Generally, the higher the volatility, the <span class=\"_ _7\"></span>more expensive the option will be.<span class=\"_ _3eb\"> </span></div><div class=\"t m0 hc ff7 fs8 fc2 sc0 ls8 wsb gs531\">Level 3 movement <span class=\"_ _7\"></span>tables \u2013 <span class=\"_ _7\"></span>financial assets<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs532\">The table below analyses movements in <span class=\"_ _7\"></span>Level 3 financial assets carried at fair <span class=\"_ _7\"></span>value.<span class=\"_ _3eb\"> </span></div><div class=\"gs533\"><table class=\"s w82f h259\" id=\"_a487b798-4ce3-4f43-b5d7-ec79330e14b1\"><tr><td></td><td></td><td></td><td></td><td class=\"c n xf3a y6867 w830 h21e\"><div class=\"t m0 x1ed h14f y6611 ff5 fs64 fc0 sc0 ls50 ws5b\">Held at fair value through profit or loss<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td></td><td></td><td class=\"c n xf3b y6867 w831 h21e\"><div class=\"t m0 x1ed h14f y6611 ff5 fs64 fc0 sc0 ls50 ws5b\">Investment securities<span class=\"_ _3eb\"> </span></div></td><td></td></tr><tr><td></td><td></td><td></td><td class=\"t m0 xf3c h14f y6868 ff5 fs64 fc0 sc0 ls50 ws5b\">Reverse </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td class=\"t m0 xde3 h14f y6869 ff5 fs64 fc0 sc0 ls50 ws5b\">repurchase </td><td class=\"t m0 xf3d h14f y6869 ff2 fs64 fc0 sc0 ls50 ws5b\">Debt </td><td></td><td></td><td></td><td class=\"t m0 xf3e h14f y6869 ff2 fs64 fc0 sc0 ls50 ws5b\">Debt </td><td></td><td></td></tr><tr><td></td><td></td><td></td><td class=\"t m0 xf3f h14f y686a ff5 fs64 fc0 sc0 ls50 ws5b\">agreements </td><td class=\"t m0 x60e h14f y686a ff5 fs64 fc0 sc0 ls50 ws5b\">securities, </td><td></td><td></td><td></td><td class=\"t m0 x607 h14f y686a ff5 fs64 fc0 sc0 ls50 ws5b\" colspan=\"2\">securities, </td><td></td></tr><tr><td></td><td></td><td></td><td class=\"t m0 x60d h14f y686b ff5 fs64 fc0 sc0 ls50 ws5b\">and other </td><td class=\"t m0 x8bc h14f y686b ff5 fs64 fc0 sc0 ls50 ws5b\">alternative </td><td></td><td></td><td></td><td class=\"t m0 xf40 h14f y686b ff5 fs64 fc0 sc0 ls50 ws5b\" colspan=\"2\">alternative </td><td></td></tr><tr><td></td><td class=\"t m0 xf41 h14f y686c ff5 fs64 fc0 sc0 ls50 ws5b\">Loans and </td><td class=\"t m0 x60c h14f y686c ff5 fs64 fc0 sc0 ls50 ws5b\">Loans and </td><td class=\"t m0 xde9 h14f y686c ff5 fs64 fc0 sc0 ls50 ws5b\">similar </td><td class=\"t m0 xf42 h14f y686c ff2 fs64 fc0 sc0 ls50 ws0\">tier one </td><td></td><td></td><td class=\"t m0 x8b9 h14f y686c ff5 fs64 fc0 sc0 ls50 ws5b\">Derivative </td><td class=\"t m0 x545 h14f y686c ff2 fs64 fc0 sc0 ls50 ws0\">tier one </td><td></td><td></td></tr><tr><td></td><td class=\"t m0 x52a h14f y686d ff5 fs64 fc0 sc0 ls50 ws5b\">advances to </td><td class=\"t m0 xf43 h14f y686d ff5 fs64 fc0 sc0 ls50 ws5b\">advances to </td><td class=\"t m0 xf3c h14f y686d ff5 fs64 fc0 sc0 ls50 ws5b\">secured </td><td class=\"t m0 x60e h14f y686d ff5 fs64 fc0 sc0 ls50 ws5b\">and<span class=\"_ gs3f9\"> </span>other </td><td class=\"t m0 xf44 h14f y686d ff5 fs64 fc0 sc0 ls50 ws5b\">Equity<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xf45 h14f y686d ff5 fs64 fc0 sc0 ls50 ws5b\">Other<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x52d h14f y686d ff5 fs64 fc0 sc0 ls50 ws5b\">financial<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x607 h14f y686d ff5 fs64 fc0 sc0 ls50 ws5b\">and<span class=\"_ gs3f9\"> </span>other </td><td class=\"t m0 x9d4 h14f y686d ff5 fs64 fc0 sc0 ls50 ws5b\">Equity<span class=\"_ _3eb\"> </span></td><td></td></tr><tr><td></td><td class=\"t m0 xf46 h14f y686e ff2 fs64 fc0 sc0 ls50 ws5b\">banks<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xf47 h14f y686e ff5 fs64 fc0 sc0 ls50 ws5b\">customers<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xf3c h14f y686e ff5 fs64 fc0 sc0 ls50 ws5b\">lending<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x5fd h14f y686e ff5 fs64 fc0 sc0 ls50 ws5b\">eligible bills<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xf44 h14f y686e ff5 fs64 fc0 sc0 ls50 ws5b\">shares<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xf48 h14f y686e ff5 fs64 fc0 sc0 ls50 ws5b\">Assets<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xf49 h14f y686e ff5 fs64 fc0 sc0 ls50 ws5b\">instruments<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x8b5 h14f y686e ff5 fs64 fc0 sc0 ls50 ws5b\">eligible bills<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x9d4 h14f y686e ff5 fs64 fc0 sc0 ls50 ws5b\">shares<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1e9 h14f y686e ff5 fs64 fc0 sc0 ls50 ws5b\">Total<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"t m0 x221 h39 y686f ff1 fs17 fc3 sc0 ls21 ws20\">Assets<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x53e h14f y686f ff5 fs64 fc0 sc0 ls50 ws5b\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x53f h14f y686f ff5 fs64 fc0 sc0 ls50 ws5b\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xf4a h14f y686f ff5 fs64 fc0 sc0 ls50 ws5b\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x8b7 h14f y686f ff5 fs64 fc0 sc0 ls50 ws5b\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xf4b h14f y686f ff5 fs64 fc0 sc0 ls50 ws5b\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x539 h14f y686f ff5 fs64 fc0 sc0 ls50 ws5b\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1ea h14f y686f ff5 fs64 fc0 sc0 ls50 ws5b\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x9d3 h14f y686f ff5 fs64 fc0 sc0 ls50 ws5b\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xf4c h14f y686f ff5 fs64 fc0 sc0 ls50 ws5b\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xf4d h14f y686f ff5 fs64 fc0 sc0 ls50 ws5b\">$million<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c n x1ee y6870 w832 h20d\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws0\">At 1 January 2025<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf4e y6870 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf4f y6870 w833 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">1,937<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf50 y6870 w455 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">3,239<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf51 y6870 w834 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">1,593<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf52 y6870 w5c2 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">191<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf53 y6870 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf54 y6870 w6e3 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">128<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf55 y6870 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf56 y6870 w835 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">965<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf57 y6870 w836 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">8,053<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x221 hb y6871 ff4 fs7 fc3 sc0 ls7 ws7\">Total gains/(losses) recognised </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y6872 w837 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">in<span class=\"_ gs1a2\"> </span>income<span class=\"_ gs1a2\"> </span>statement<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf58 y6872 w14e h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf59 y6872 w838 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">70<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf5a y6872 w839 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">(35)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf5b y6872 w678 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">123<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf5c y6872 w6a6 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">(12)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf5d y6872 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf5e y6872 w83a h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">(14)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf5f y6872 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf60 y6872 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf61 y6872 w83b h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">132<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x40b y6873 w83c h20d\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws0\">Net trading income<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf62 y6873 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf63 y6873 w838 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">70<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf64 y6873 w839 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">(35)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf65 y6873 w678 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">123<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf66 y6873 w6a6 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">(12)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf67 y6873 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf68 y6873 w83a h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">(14)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf69 y6873 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf6a y6873 w14f h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf6b y6873 w83d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">132<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x40b y6874 w83e h20d\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws0\">Other operating income<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf6c y6874 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf6d y6874 w14e h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf6e y6874 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf6f y6874 w14e h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf70 y6874 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf71 y6874 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf72 y6874 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf73 y6874 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf74 y6874 w14f h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf75 y6874 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y6876 w83f h25a\"><div class=\"t m0 x1ed hba y6875 ff1 fs7 fc3 sc0 ls7 ws0\">Total gains recognised in<span class=\"_ _3eb\"> </span></div><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">other comprehensive income (OCI)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf76 y6876 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf77 y6876 w14e h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf78 y6876 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf79 y6876 w14e h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf7a y6876 w14e h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf7b y6876 w14f h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf7c y6876 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf7d y6876 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf7e y6876 w83b h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">321<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf7f y6876 w83b h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">321<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x40b y6877 w840 h20d\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws0\">Fair value through OCI reserve<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf80 y6877 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf81 y6877 w14e h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf82 y6877 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf83 y6877 w14e h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf84 y6877 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf85 y6877 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf86 y6877 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf87 y6877 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf88 y6877 w841 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">316<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf89 y6877 w842 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">316<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x40b y6878 w843 h20d\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws0\">Exchange difference<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf8a y6878 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf8b y6878 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf8c y6878 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf8d y6878 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf8e y6878 w14e h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf8f y6878 w14f h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf90 y6878 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf91 y6878 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf92 y6878 w68a h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">5<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf93 y6878 w844 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">5<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6879 w845 h20d\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws7\">Purchases<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf94 y6879 w846 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">299<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbb8 y6879 w847 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">3,002<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf95 y6879 w848 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">10,555<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf96 y6879 w849 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">1,980<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf97 y6879 w84a h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">169<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf98 y6879 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf99 y6879 w84b h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">162<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf9a y6879 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf9b y6879 w84c h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">31<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf9c y6879 w84d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">16,198<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y687a w84e h20d\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws7\">Sales<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf9d y687a w14e h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf9e y687a w84f h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">(1,156)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9e5 y687a w722 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">(9,021)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf9f y687a w850 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">(1,007)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfa0 y687a w851 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">(31)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfa1 y687a w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfa2 y687a w852 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">(128)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfa3 y687a w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfa4 y687a w853 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">(150)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfa5 y687a w854 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">(11,493)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y687b w855 h20d\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws7\">Settlements<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfa6 y687b w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfa7 y687b w856 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">(184)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfa8 y687b w857 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">(1,054)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfa9 y687b w858 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">(6)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfaa y687b w14e h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfab y687b w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfac y687b w859 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">(36)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x408 y687b w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfad y687b w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfae y687b w85a h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">(1,280)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y687c w85b h241\"><div class=\"t m0 x1ed hba y65a9 ff1 fs7 fc3 sc0 ls7 ws0\">Transfers out</div><div class=\"t m0 xfaf hd1 y65aa ff1 fs61 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfb0 y687d w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfb1 y687d w85c h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">(803)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfb2 y687d w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfb3 y687d w85d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">(280)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfb4 y687d w85e h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">(7)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfb5 y687d w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfb6 y687d w85f h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">(23)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfb7 y687d w14f h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfb8 y687d w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfb9 y687d w860 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">(1,113)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y687e w861 h241\"><div class=\"t m0 x1ed hba y65a9 ff1 fs7 fc3 sc0 ls7 ws0\">Transfers in</div><div class=\"t m0 xfba hd1 y65aa ff1 fs61 fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfb0 y687f w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfbb y687f w862 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">598<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfbc y687f w14e h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfbd y687f w84b h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">921<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfbe y687f w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfbf y687f w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfc0 y687f w6ec h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfc1 y687f w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfc2 y687f w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfc3 y687f w863 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">1,520<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6880 w864 h20b\"><div class=\"t m0 x1ed hb2 y65af ff5 fs7 fc3 sc0 ls7 ws7\">At 31 December 2025<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfc4 y6880 w846 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">299<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfc5 y6880 w647 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">3,464<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfc6 y6880 w64d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">3,684<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfc7 y6880 w652 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">3,324<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfc8 y6880 w54d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">310<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfc9 y6880 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfca y6880 w673 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">90<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfcb y6880 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfcc y6880 w57c h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">1,167<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfcd y6880 w865 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">12,338<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y6881 w866 h241\"><div class=\"t m0 x1ed hba y65a9 ff1 fs7 fc3 sc0 ls7 ws0\">Recognised in the income statement</div><div class=\"t m0 xfce hd1 y65aa ff1 fs61 fc3 sc0 ls0 ws0\">3<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfb0 y6882 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfcf y6882 w858 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">(9)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfd0 y6882 w5c2 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">(3)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfd1 y6882 w867 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">5<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfd2 y6882 w868 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">(29)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfd3 y6882 w14f h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfd4 y6882 w14f h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfd5 y6882 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfd6 y6882 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfd7 y6882 w859 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">(36)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6883 w869 h212\"><div class=\"t m0 x1ed hb y659e ff1 fs7 fc3 sc0 ls7 ws0\">At 1 January 2024<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfd8 y6883 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfd9 y6883 w86a h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">1,960<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfda y6883 w64e h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">2,363<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfdb y6883 w86b h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">1,262<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfdc y6883 w83b h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">184<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfdd y6883 w65b h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">6<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfde y6883 w687 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">80<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfdf y6883 w685 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">72<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfe0 y6883 w86c h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">787<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfe1 y6883 w195 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">6,714<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x221 hb y6884 ff4 fs7 fc3 sc0 ls7 ws7\">Total (losses)/gains recognised </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y6885 w837 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">in<span class=\"_ gs1a2\"> </span>income<span class=\"_ gs1a2\"> </span>statement<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfe2 y6885 w175 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">(1)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfe3 y6885 w86d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">8<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfe4 y6885 w67e h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">73<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfe5 y6885 w86e h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">(114)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfe6 y6885 w86f h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">(15)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfe7 y6885 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfe8 y6885 w181 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">(57)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfe9 y6885 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfea y6885 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfeb y6885 w870 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">(106)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x40b y6886 w83c h212\"><div class=\"t m0 x1ed hb y659e ff1 fs7 fc3 sc0 ls7 ws0\">Net trading income<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfec y6886 w175 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">(1)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfed y6886 w86d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">8<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfee y6886 w871 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">73<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfef y6886 w872 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">(56)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xff0 y6886 w86f h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">(15)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xff1 y6886 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xff2 y6886 w873 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">(57)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xff3 y6886 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xff4 y6886 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xff5 y6886 w874 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">(48)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x40b y6887 w83e h212\"><div class=\"t m0 x1ed hb y659e ff1 fs7 fc3 sc0 ls7 ws0\">Other operating income<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf6c y6887 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf6d y6887 w14e h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf6e y6887 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xff6 y6887 w875 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">(58)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xff7 y6887 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xff8 y6887 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xff9 y6887 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xffa y6887 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xffb y6887 w14f h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xffc y6887 w875 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">(58)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x221 hb y6888 ff4 fs7 fc3 sc0 ls7 ws7\">Total (losses)/gains recognised </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y6889 w876 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">in<span class=\"_ gs1a2\"> </span>other<span class=\"_ gs1a2\"> </span>comprehensive income (OCI)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xffd y6889 w14e h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xffe y6889 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfff y6889 w14e h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1000 y6889 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1001 y6889 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1002 y6889 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1003 y6889 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1004 y6889 wb8 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">(11)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1005 y6889 w877 h212\"><div class=\"t m0 x1ed hb y659e ff1 fs7 fc3 sc0 ls7 ws7\">50<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1006 y6889 w878 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">39<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x40b y688a w840 h212\"><div class=\"t m0 x1ed hb y659e ff1 fs7 fc3 sc0 ls7 ws0\">Fair value through OCI reserve<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf80 y688a w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf81 y688a w14e h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf82 y688a w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf83 y688a w14e h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf84 y688a w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf85 y688a w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf86 y688a w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf87 y688a w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1007 y688a w879 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">74<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1008 y688a w879 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">74<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x40b y688b w843 h212\"><div class=\"t m0 x1ed hb y659e ff1 fs7 fc3 sc0 ls7 ws0\">Exchange difference<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf8a y688b w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf8b y688b w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf8c y688b w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf8d y688b w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf8e y688b w14e h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf8f y688b w14f h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf90 y688b w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1009 y688b w87a h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">(11)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x100a y688b w87b h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">(24)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x100b y688b w87c h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">(35)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y688c w845 h212\"><div class=\"t m0 x1ed hb y659e ff1 fs7 fc3 sc0 ls7 ws7\">Purchases<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x100c y688c w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x100d y688c w87d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">1,853<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x100e y688c w87e h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">6,161<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x100f y688c w87f h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">1,337<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1010 y688c w880 h212\"><div class=\"t m0 x1ed hb y659e ff1 fs7 fc3 sc0 ls7 ws7\">24<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1011 y688c w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1012 y688c w881 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">227<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x408 y688c w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1013 y688c w882 h212\"><div class=\"t m0 x1ed hb y659e ff1 fs7 fc3 sc0 ls7 ws7\">145<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1014 y688c w883 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">9,747<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y688d w84e h212\"><div class=\"t m0 x1ed hb y659e ff1 fs7 fc3 sc0 ls7 ws7\">Sales<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf9d y688d w14e h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1015 y688d w498 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">(2,062)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1016 y688d w884 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">(4,716)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1017 y688d w885 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">(907)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1018 y688d w5d2 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">(2)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1019 y688d w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x101a y688d w870 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">(160)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x101b y688d w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x101c y688d w68c h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">(19)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x101d y688d w886 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">(7,866)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y688e w855 h212\"><div class=\"t m0 x1ed hb y659e ff1 fs7 fc3 sc0 ls7 ws7\">Settlements<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x101e y688e w637 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">(7)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x101f y688e w87b h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">(42)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1020 y688e w887 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">(782)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1021 y688e w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1022 y688e w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1023 y688e w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1024 y688e w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1025 y688e w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1026 y688e w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x75e y688e w777 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">(831)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y6747 w85b h241\"><div class=\"t m0 x1ed hba y65a9 ff1 fs7 fc3 sc0 ls7 ws0\">Transfers out</div><div class=\"t m0 xfaf hd1 y65aa ff1 fs61 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1027 y688f w888 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">(13)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1028 y688f w587 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">(263)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1029 y688f w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x102a y688f w175 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">(1)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x102b y688f w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x102c y688f w889 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">(6)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x102d y688f w88a h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">(1)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x102e y688f w68c h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">(61)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x102f y688f w5d2 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">(2)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1030 y688f w88b h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">(347)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y6748 w861 h241\"><div class=\"t m0 x1ed hba y65a9 ff1 fs7 fc3 sc0 ls7 ws0\">Transfers in</div><div class=\"t m0 xfba hd1 y65aa ff1 fs61 fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1031 y6890 w88c h212\"><div class=\"t m0 x1ed hb y659e ff1 fs7 fc3 sc0 ls7 ws7\">21<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1032 y6890 w88d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">483<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1033 y6890 w67c h212\"><div class=\"t m0 x1ed hb y659e ff1 fs7 fc3 sc0 ls7 ws7\">140<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1034 y6890 w88e h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">16<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1035 y6890 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1036 y6890 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1037 y6890 w88f h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">39<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1038 y6890 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1039 y6890 w890 h212\"><div class=\"t m0 x1ed hb y659e ff1 fs7 fc3 sc0 ls0 ws0\">4<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x103a y6890 w891 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">703<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6891 w892 h20b\"><div class=\"t m0 x1ed hb y659e ff5 fs7 fc3 sc0 ls7 ws7\">At 31 December 2024<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf58 y6891 w14e h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x103b y6891 w649 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">1,937<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x103c y6891 w893 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">3,239<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x103d y6891 w894 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">1,593<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x103e y6891 w66f h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">191<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x103f y6891 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1040 y6891 w895 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">128<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1041 y6891 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1042 y6891 w6ae h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">965<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1043 y6891 w896 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">8,053<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y674a w866 h241\"><div class=\"t m0 x1ed hba y65a9 ff1 fs7 fc3 sc0 ls7 ws0\">Recognised in the income statement</div><div class=\"t m0 xfce hd1 y65aa ff1 fs61 fc3 sc0 ls0 ws0\">3<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfb0 y6892 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1044 y6892 w897 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">7<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1045 y6892 w6f0 h212\"><div class=\"t m0 x1ed hb y659e ff1 fs7 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1046 y6892 w176 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">7<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1047 y6892 w898 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">(13)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1048 y6892 w14f h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1049 y6892 w889 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">(9)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x104a y6892 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x104b y6892 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x104c y6892 w637 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">(7)<span class=\"_ _3eb\"> </span></div></td></tr></table></div><div class=\"t m0 hb ff1 fs7 fc3 sc0 ls7 ws7 gs534\">1 <span class=\"_ _b\"> </span><span class=\"ff4\">Transfers out includes loans and advances, debt securities, alternative tier one and other <span class=\"_ _7\"></span>eligible bills, equity shares, other assets and derivative <span class=\"_ _7\"></span>financial </span></div><div class=\"t m0 hb ff4 fs7 fc3 sc0 ls7 ws7 gs535\">instruments where the valuation parameters became observable during <span class=\"_ _7\"></span>the period and were transferred to Level 1 <span class=\"_ _7\"></span>and Level 2.<span class=\"_ _3eb\"> </span></div><div class=\"t m0 hb ff1 fs7 fc3 sc0 ls7 ws7 gs536\">2 <span class=\"_ _f\"> </span><span class=\"ff4\">Transfers in primarily relate to loans and advances, repurchase agreements, debt securities, <span class=\"_ _7\"></span>alternative tier one and other eligible bills, equity <span class=\"_ _7\"></span>shares and derivative </span></div><div class=\"t m0 hb ff4 fs7 fc3 sc0 ls7 ws7 gs537\">financial instruments where the valuation parameters become unobservable <span class=\"_ _7\"></span>during the year.<span class=\"_ _3eb\"> </span></div><div class=\"t m0 hb ff1 fs7 fc3 sc0 ls7 ws7 gs538\">3 <span class=\"_ _f\"> </span><span class=\"ff4\">Represents Total unrealised (losses)/gains recognised in the income statement, within net trading income, <span class=\"_ _7\"></span>relating to change in fair value of assets.<span class=\"_ _3eb\"> </span></span><span class=\"ff4\"> </span></div><div class=\"t m0 hc ff7 fs8 fc2 sc0 ls8 wsb gs53a\">Level 3 movement <span class=\"_ _7\"></span>tables \u2013 <span class=\"_ _7\"></span>financial liabilities<span class=\"_ _3eb\"> </span></div><div class=\"gs1b7\"><table class=\"s w899 h25b\" id=\"_5be77728-0ccd-4a99-971b-7e1804cfa12a\"><tr><td></td><td></td><td></td><td class=\"t m0 x104d h38 y6893 ff2 fs17 fc0 sc0 ls21 ws20\">Debt<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x6c3 h38 y6893 ff5 fs17 fc0 sc0 ls21 ws20\">Derivative<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"t m0 x104e h38 y6894 ff2 fs17 fc0 sc0 ls21 ws20\">Deposits<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x104f h38 y6894 ff5 fs17 fc0 sc0 ls21 ws20\">Customer </td><td class=\"t m0 x1050 h38 y6894 ff5 fs17 fc0 sc0 ls21 ws20\">securities<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1051 h38 y6894 ff5 fs17 fc0 sc0 ls21 ws20\">financial<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xadd h38 y6894 ff5 fs17 fc0 sc0 ls21 ws20\">Short<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x2dc h38 y6894 ff5 fs17 fc0 sc0 ls21 ws20\">Other<span class=\"_ _3eb\"> </span></td><td></td></tr><tr><td></td><td class=\"t m0 x2eb h38 y6895 ff5 fs17 fc0 sc0 ls21 ws20\">by<span class=\"_ gs40f\"> </span>banks<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1052 h38 y6895 ff2 fs17 fc0 sc0 ls21 ws20\">accounts<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x2d9 h38 y6895 ff2 fs17 fc0 sc0 ls21 ws0\">in issue<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xc2d h38 y6895 ff5 fs17 fc0 sc0 ls21 ws20\">instruments<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1053 h38 y6895 ff5 fs17 fc0 sc0 ls21 ws20\">positions<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1054 h38 y6895 ff5 fs17 fc0 sc0 ls21 ws20\">liabilities<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x96f h38 y6895 ff5 fs17 fc0 sc0 ls21 ws20\">Total<span class=\"_ _3eb\"> </span></td></tr><tr><td></td><td class=\"t m0 x2d5 h38 y6896 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x2f7 h38 y6896 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x2c9 h38 y6896 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x4be h38 y6896 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x2fa h38 y6896 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x233 h38 y6896 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x4c2 h38 y6896 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c n x1ee y6897 w89a h1fe\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">At 1 January 2025<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1055 y6897 w8a h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">371<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1056 y6897 w89b h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">2,714<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1057 y6897 w89c h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">1,414<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1058 y6897 w89d h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">258<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1059 y6897 w89e h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">180<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x105a y6897 w1cf h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x105b y6897 w89f h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">4,937<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x235 h1a y6898 ff4 fs5 fc3 sc0 ls5 ws5\">Total losses/(gains) </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m0 x235 h3b y6899 ff1 fs5 fc3 sc0 ls5 ws0\">recognised in income </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m0 x235 h1a y689a ff4 fs5 fc3 sc0 ls5 ws5\">statement \u2013 net </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y689b w8a0 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">trading<span class=\"_ gs1a1\"> </span>income<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x105c y689b w27b h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">98<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x105d y689b w8a1 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(269)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x105e y689b w8a2 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">60<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x105f y689b w8a3 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">8<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1060 y689b w45d h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">3<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1061 y689b w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1062 y689b w8a4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(100)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y689c w319 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">Issues<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1063 y689c w8a5 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">298<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1064 y689c w231 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">5,410<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1065 y689c w241 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">2,114<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1066 y689c w8a6 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">538<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1067 y689c w1cf h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1068 y689c w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1069 y689c w8a7 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">8,360<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y689d w8a8 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">Settlements<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x106a y689d w8a9 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(538)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x106b y689d w8aa h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(3,790)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x106c y689d w8ab h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(2,462)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x106d y689d w8ac h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(566)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x106e y689d w8ad h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(107)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x106f y689d w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1070 y689d w8ae h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(7,463)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y689e w8af h220\"><div class=\"t m0 x1ed h3b y6600 ff1 fs5 fc3 sc0 ls5 ws0\">Transfers out</div><div class=\"t m0 xe47 h3c y6601 ff1 fs1b fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1071 y689f w2bc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1072 y689f w8b0 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(650)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1073 y689f w8b1 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(58)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1074 y689f w4ab h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(30)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1075 y689f w1cf h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1076 y689f w1cf h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1077 y689f w4e9 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(738)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y68a0 w8b2 h220\"><div class=\"t m0 x1ed h3b y6600 ff1 fs5 fc3 sc0 ls5 ws0\">Transfers in</div><div class=\"t m0 x1078 h3c y6601 ff1 fs1b fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1079 y68a1 w8b3 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">40<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x107a y68a1 w8b4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">63<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x107b y68a1 w473 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">16<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x107c y68a1 w8b5 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">18<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x107d y68a1 w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x107e y68a1 w1cf h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x107f y68a1 w8a h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">137<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y661f w8b6 h201\"><div class=\"t m0 x1ed h3d y6548 ff5 fs5 fc3 sc0 ls5 ws5\">At 31 December 2025<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1080 y661f w397 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">269<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1081 y661f w886 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">3,478<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1082 y661f w71 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">1,084<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1083 y661f w8b7 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">226<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1084 y661f w8b8 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">76<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x946 y661f w1cf h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1085 y661f w7dd h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">5,133<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x235 h3b y68a2 ff1 fs5 fc3 sc0 ls5 ws0\">Recognised in the income </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1ee y68a3 w8b9 h25c\"><div class=\"t m0 x1ed h3b y6600 ff1 fs5 fc3 sc0 ls5 ws5\">statement</div><div class=\"t m0 x1086 h3c y667e ff1 fs1b fc3 sc0 ls0 ws0\">3<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1071 y6621 w45d h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">3<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1087 y6621 w2f0 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1088 y6621 w2f0 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1089 y6621 w8ba h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(9)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x108a y6621 w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x108b y6621 w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x108c y6621 w4a9 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(2)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y68a4 w8bb h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">At 1 January 2024<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x108d y68a4 w2bf h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">334<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x108e y68a4 w8bc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">1,278<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x108f y68a4 w1f4 h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">1,041<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1090 y68a4 w4ce h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">196<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1091 y68a4 w26f h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">103<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1092 y68a4 w5e h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">8<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1093 y68a4 w8bd h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">2,960<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x235 h1a y68a5 ff4 fs5 fc3 sc0 ls5 ws5\">Total losses/(gains) </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m0 x235 h3b y68a6 ff1 fs5 fc3 sc0 ls5 ws0\">recognised in income </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m0 x235 h1a y68a7 ff4 fs5 fc3 sc0 ls5 ws5\">statement \u2013 net </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y65f3 w8a0 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">trading<span class=\"_ gs1a1\"> </span>income<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1094 y65f3 w475 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">49<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1095 y65f3 w8be h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(27)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1096 y65f3 w8bf h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">48<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1097 y65f3 w4c8 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(6)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1098 y65f3 w32 h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls0 ws0\">3<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1099 y65f3 w75 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(8)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x109a y65f3 w1e6 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">59<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y68a8 w319 h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">Issues<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x109b y68a8 w46e h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">388<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x109c y68a8 w8c0 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">3,068<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x109d y68a8 w8c1 h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">4,244<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x109e y68a8 w40d h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">507<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x109f y68a8 w8c2 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">177<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x941 y68a8 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10a0 y68a8 w8c3 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">8,384<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y68a9 w8a8 h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">Settlements<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xedb y68a9 w751 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(400)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10a1 y68a9 w6e h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(1,627)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10a2 y68a9 w8c4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(2,795)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10a3 y68a9 w1f3 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(438)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10a4 y68a9 w35b h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(103)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10a5 y68a9 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10a6 y68a9 w8c5 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(5,363)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y68aa w8af h25c\"><div class=\"t m0 x1ed h3b y6600 ff1 fs5 fc3 sc0 ls5 ws0\">Transfers out</div><div class=\"t m0 xe47 h3c y667e ff1 fs1b fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1071 y68ab w2bc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10a7 y68ab w8c6 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(26)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10a8 y68ab w8c7 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(1,194)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10a9 y68ab w47e h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(7)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10aa y68ab w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10ab y68ab w1cf h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10ac y68ab w8c8 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(1,227)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y68ac w8b2 h220\"><div class=\"t m0 x1ed h3b y6600 ff1 fs5 fc3 sc0 ls5 ws0\">Transfers in</div><div class=\"t m0 x1078 h3c y6601 ff1 fs1b fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1071 y65f7 w2bc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10ad y65f7 w8bf h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">48<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10ae y65f7 w8c9 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">70<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10af y65f7 w44 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">6<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10b0 y65f7 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10b1 y65f7 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10b2 y65f7 w8ca h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">124<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y68ad w8cb h203\"><div class=\"t m0 x1ed h1a y65de ff5 fs5 fc3 sc0 ls5 ws5\">At 31 December 2024<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10b3 y68ad w81a h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">371<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10b4 y68ad w598 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">2,714<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10b5 y68ad w8cc h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">1,414<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10b6 y68ad w8cd h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">258<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10b7 y68ad w67 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">180<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10b8 y68ad w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd98 y68ad we5 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">4,937<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x235 h3b y68ae ff1 fs5 fc3 sc0 ls5 ws0\">Recognised in the income </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1ee y68af w8b9 h21c\"><div class=\"t m0 x1ed h3b y6600 ff1 fs5 fc3 sc0 ls5 ws5\">statement</div><div class=\"t m0 x1086 h3c y6601 ff1 fs1b fc3 sc0 ls0 ws0\">3<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10b9 y6567 w73 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">29<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10ba y6567 w40 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls0 ws0\">5<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10bb y6567 w4da h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10bc y6567 w8ce h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(13)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10bd y6567 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10be y6567 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10bf y6567 wa2 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">23<span class=\"_ _3eb\"> </span></div></td></tr></table></div><div class=\"t m0 hb ff1 fs7 fc3 sc0 ls7 ws7 gs53b\">1 <span class=\"_ _b\"> </span><span class=\"ff4\">Transfers out during the year primarily relate to customer accounts, debt securities in <span class=\"_ _7\"></span>issue and derivative financial instruments where the valuation <span class=\"_ _7\"></span>parameters </span></div><div class=\"t m0 hb ff4 fs7 fc3 sc0 ls7 ws7 gs53c\">became observable during the year and were transferred <span class=\"_ _7\"></span>to Level 2 financial liabilities.<span class=\"_ _3eb\"> </span></div><div class=\"t m0 hb ff1 fs7 fc3 sc0 ls7 ws7 gs53d\">2 <span class=\"_ _f\"> </span><span class=\"ff4\">Transfers in during the year primarily relate to customer accounts, debt securities <span class=\"_ _7\"></span>in issue and derivative financial instruments where the <span class=\"_ _7\"></span>valuation parameters </span></div><div class=\"t m0 hb ff4 fs7 fc3 sc0 ls7 ws7 gs53e\">become unobservable during the year.<span class=\"_ _3eb\"> </span></div><div class=\"t m0 hb ff1 fs7 fc3 sc0 ls7 ws7 gs53f\">3 <span class=\"_ _f\"> </span><span class=\"ff4\">Represents Total unrealised losses/(gains) recognised in the income statement, within net trading income, <span class=\"_ _7\"></span>relating to change in fair value of liabilities<span class=\"_ _3eb\"> </span></span><span class=\"ff4\">.<span class=\"_ _3eb\"> </span></span></div><div class=\"t m0 hc ff7 fs8 fc2 sc0 ls8 wsb gs541\">Sensitivities in respect <span class=\"_ _7\"></span>of the <span class=\"_ _7\"></span>fair values of <span class=\"_ _7\"></span>Level 3 <span class=\"_ _7\"></span>assets and liabilities<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs542\">Sensitivity analysis is performed on products <span class=\"_ _7\"></span>with significant unobservable inputs. The Group applies <span class=\"_ _7\"></span>a 10 per cent increase </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs543\">or<span class=\"_ gs36\"> </span>decrease on the values of these <span class=\"_ _7\"></span>unobservable inputs, to generate a range of <span class=\"_ _7\"></span>reasonably possible alternative valuations. </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs544\">The<span class=\"_ gs36\"> </span>percentage shift is determined by statistical <span class=\"_ _7\"></span>analysis performed on a set of reference <span class=\"_ _7\"></span>prices based on the composition </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs545\">of<span class=\"_ gs36\"> </span>the Group\u2019s Level 3 inventory as <span class=\"_ _7\"></span>the measurement date. Favourable and unfavourable changes <span class=\"_ _7\"></span>(which show the balance </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs546\">adjusted for input change) are determined <span class=\"_ _7\"></span>on the basis of changes in the <span class=\"_ _7\"></span>value of the instrument as a <span class=\"_ _7\"></span>result of varying the </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs547\">levels<span class=\"_ gs36\"> </span>of the unobservable parameters. The Level <span class=\"_ _7\"></span>3 sensitivity analysis assumes a one-way market <span class=\"_ _7\"></span>move and does not consider </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs548\">offsets for hedges.<span class=\"_ _3eb\"> </span></div><div class=\"gs549\"><table class=\"s w8cf h25d\" id=\"_d97368e6-7180-4f4a-89bb-7dc345a82ea6\"><tr><td></td><td></td><td></td><td class=\"c n x10c0 y68b0 w8d0 h215\"><div class=\"t m0 x1ed h38 y6563 ff5 fs17 fc0 sc0 ls21 ws20\">Held at fair value through profit or loss<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td class=\"c n x10c1 y68b0 w8d1 h215\"><div class=\"t m0 x1ed h38 y6563 ff5 fs17 fc0 sc0 ls21 ws20\">Fair value through other comprehensive income<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td></td><td class=\"t m0 x10c2 h38 y68b1 ff5 fs17 fc0 sc0 ls21 ws20\">Favourable </td><td class=\"t m0 x60f h38 y68b1 ff5 fs17 fc0 sc0 ls21 ws20\">Unfavourable </td><td></td><td class=\"t m0 x10c3 h38 y68b1 ff5 fs17 fc0 sc0 ls21 ws20\">Favourable </td><td class=\"t m0 x10c4 h38 y68b1 ff5 fs17 fc0 sc0 ls21 ws20\">Unfavourable </td></tr><tr><td></td><td class=\"t m0 x5ff h38 y68b2 ff5 fs17 fc0 sc0 ls21 ws20\">Net exposure<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x5fd h38 y68b2 ff5 fs17 fc0 sc0 ls21 ws20\">changes<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x10c5 h38 y68b2 ff5 fs17 fc0 sc0 ls21 ws20\">changes<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x10c6 h38 y68b2 ff5 fs17 fc0 sc0 ls21 ws20\">Net exposure<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x10c7 h38 y68b2 ff5 fs17 fc0 sc0 ls21 ws20\">changes<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x10c8 h38 y68b2 ff5 fs17 fc0 sc0 ls21 ws20\">changes<span class=\"_ _3eb\"> </span></td></tr><tr><td></td><td class=\"t m0 x8f9 h38 y68b3 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x8bc h38 y68b3 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x404 h38 y68b3 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x405 h38 y68b3 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1eb h38 y68b3 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1ec h38 y68b3 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"t m0 x221 h8 y68b4 ff5 fs5 fc3 sc0 ls5 ws5\">Financial instruments held at fair value<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y68b5 w8d2 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Loans and advances<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10c9 y68b5 w8d3 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">3,763<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10ca y68b5 w8d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">3,854<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10cb y68b5 w8d5 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">3,650<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10cc y68b5 w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10cd y68b5 w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10ce y68b5 w1cf h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x221 h3b y68b6 ff1 fs5 fc3 sc0 ls5 ws0\">Reverse Repurchase agreements </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y68b7 w8d6 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">and<span class=\"_ gs1a1\"> </span>other similar secured lending<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10cf y68b7 w799 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">3,684<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10d0 y68b7 w2cc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">3,782<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10d1 y68b7 w8d7 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">3,598<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10d2 y68b7 w1cf h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8e8 y68b7 w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10d3 y68b7 w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x221 h1a y68b8 ff4 fs5 fc3 sc0 ls5 ws5\">Debt securities, alternative tier one </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y68b9 w8d8 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">and<span class=\"_ gs1a1\"> </span>other eligible bills<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10d4 y68b9 w35f h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">3,324<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10d5 y68b9 w69 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">3,384<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10d6 y68b9 w8d9 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">3,267<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10d7 y68b9 w1cf h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10d8 y68b9 w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10d9 y68b9 w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y68ba w8da h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Equity shares<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10da y68ba w314 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">310<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10db y68ba w8db h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">343<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10dc y68ba w8dc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">277<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10dd y68ba w8dd h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">1,167<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10de y68ba w8ad h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">1,284<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10df y68ba w8de h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">1,050<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y68bb wc5 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">Derivative financial instruments<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10e0 y68bb wb7 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(136)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10e1 y68bb w8df h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(111)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10e2 y68bb w1d8 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(161)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10e3 y68bb w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10e4 y68bb w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10e5 y68bb w1cf h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y68bc wf5 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Customer accounts<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10e6 y68bc w8e0 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(3,478)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10e7 y68bc w8e1 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(3,395)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10e8 y68bc w8e2 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(3,566)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10e9 y68bc w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10ea y68bc w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10eb y68bc w1cf h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y68bd wf2 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Deposits by banks<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10ec y68bd w8a1 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(269)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10ed y68bd w231 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(257)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10ee y68bd w8a4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(282)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10ef y68bd w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10f0 y68bd w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10f1 y68bd w1cf h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y68be w5b5 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">Short positions<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10f2 y68be w8e3 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(76)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10f3 y68be w484 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(75)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10f4 y68be w8e4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(77)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10f5 y68be w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10f6 y68be w1cf h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10f7 y68be w1cf h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y68bf w101 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">Debt securities in issue<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10f8 y68bf w1d2 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(1,084)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10f9 y68bf w8e5 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(1,007)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10d6 y68bf w768 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(1,161)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10fa y68bf w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10fb y68bf w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10fc y68bf w1cf h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y68c0 w8b6 h201\"><div class=\"t m0 x1ed h3d y6548 ff5 fs5 fc3 sc0 ls5 ws5\">At 31 December 2025<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10fd y68c0 w8e6 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">6,038<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10fe y68c0 wb6 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">6,518<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10ff y68c0 w5a4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">5,545<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1100 y68c0 w8e7 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">1,167<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1101 y68c0 w8e8 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">1,284<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1102 y68c0 w4b7 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">1,050<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x221 h8 y68c1 ff5 fs5 fc3 sc0 ls5 ws5\">Financial instruments held at fair value </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y65ef w8d2 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Loans and advances<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1103 y65ef w322 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">1,937<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1104 y65ef w8e9 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">1,985<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1105 y65ef w8ea h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">1,862<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbaa y65ef w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1106 y65ef w1cf h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1107 y65ef w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x221 h3b y68c2 ff1 fs5 fc3 sc0 ls5 ws0\">Reverse Repurchase agreements </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y68c3 w8d6 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">and<span class=\"_ gs1a1\"> </span>other similar secured lending<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1108 y68c3 w8eb h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">3,239<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1109 y68c3 w8ec h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">3,339<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x110a y68c3 w444 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">3,138<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x110b y68c3 w1cf h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x110c y68c3 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x110d y68c3 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x221 h1a y68c4 ff4 fs5 fc3 sc0 ls5 ws5\">Debt securities, alternative tier one </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y6574 w8d8 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">and<span class=\"_ gs1a1\"> </span>other eligible bills<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x110e y6574 w551 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">1,593<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x110f y6574 w29a h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">1,643<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1110 y6574 w5c9 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">1,542<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1111 y6574 w1cf h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1112 y6574 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1113 y6574 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6560 w8da h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Equity shares<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1114 y6560 w8ed h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">191<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1115 y6560 w8ee h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">210<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1116 y6560 w8ef h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">172<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1117 y6560 w3f2 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">965<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1118 y6560 w8f0 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">1,032<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1119 y6560 w8f1 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">888<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6575 wc5 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Derivative financial instruments<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x111a y6575 w35b h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(130)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x111b y6575 w8f2 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(115)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x111c y6575 w3be h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(147)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x111d y6575 w1cf h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x111e y6575 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x111f y6575 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y658d wf5 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Customer accounts<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1120 y658d w8f3 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(2,714)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1121 y658d w249 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(2,540)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1122 y658d w8f4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(2,883)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1123 y658d w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1124 y658d w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1125 y658d w1cf h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y658e wf2 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Deposits by banks<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xda3 y658e w1ca h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(371)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1126 y658e w1ca h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(371)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1127 y658e w1ca h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(371)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10d7 y658e w1cf h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10d8 y658e w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10d9 y658e w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6659 w5b5 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Short positions<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1128 y6659 w8f5 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(180)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1129 y6659 w29a h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(178)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x112a y6659 w8f6 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(182)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10e3 y6659 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10e4 y6659 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10e5 y6659 w1cf h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6566 w101 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Debt securities in issue<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x112b y6566 w8f7 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(1,414)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x112c y6566 w8f8 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(1,352)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9de y6566 w8f9 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(1,476)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x956 y6566 w1cf h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x112d y6566 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbe0 y6566 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6567 w8cb h203\"><div class=\"t m0 x1ed h1a y65de ff5 fs5 fc3 sc0 ls5 ws5\">At 31 December 2024<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x112e y6567 w8fa h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">2,151<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x112f y6567 w8fb h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">2,621<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1130 y6567 w350 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">1,655<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1059 y6567 w3f2 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">965<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1131 y6567 w8fc h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">1,032<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1132 y6567 w8f1 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">888<span class=\"_ _3eb\"> </span></div></td></tr></table></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs54a\">The reasonably possible alternatives could have <span class=\"_ _7\"></span>increased or decreased the fair values of <span class=\"_ _7\"></span>financial instruments held at fair value </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs54b\">through profit or loss and those <span class=\"_ _7\"></span>classified as fair value through other comprehensive <span class=\"_ _7\"></span>income by the amounts disclosed below.<span class=\"_ _3eb\"> </span></div><div class=\"gs54c\"><table class=\"s w8fd h25e\" id=\"_2881217d-6ac2-4d95-8912-a149ec67ee6c\"><tr><td></td><td></td><td class=\"t m0 x405 h38 y68c5 ff5 fs17 fc0 sc0 ls21 ws20\">Fair value changes<span class=\"_ _3eb\"> </span></td><td></td><td></td></tr><tr><td></td><td class=\"c n x1133 y68c6 w8fe h204\"><div class=\"t m0 x1ed h38 y6563 ff5 fs17 fc0 sc0 ls21 ws20\">Possible increase<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n x1134 y68c6 w8ff h204\"><div class=\"t m0 x1ed h38 y6563 ff5 fs17 fc0 sc0 ls21 ws20\">Possible decrease<span class=\"_ _3eb\"> </span></div></td><td></td></tr><tr><td></td><td class=\"t m0 x3ff h38 y68c7 ff5 fs17 fc0 sc0 ls21 ws20\">2025<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x544 h38 y68c7 ff5 fs17 fc0 sc0 ls21 ws20\">2024<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1e8 h38 y68c7 ff5 fs17 fc0 sc0 ls21 ws20\">2025<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1e9 h38 y68c7 ff5 fs17 fc0 sc0 ls21 ws20\">2024<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"t m0 x221 h38 y68c8 ff5 fs17 fc3 sc0 ls21 ws20\">Financial instruments<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x404 h38 y68c8 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x405 h38 y68c8 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1eb h38 y68c8 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1ec h38 y68c8 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c n x1ee y68c9 w900 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Held at fair value through profit or loss<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1135 y68c9 w270 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">480<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1136 y68c9 w901 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">470<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1131 y68c9 w184 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(493)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1137 y68c9 w902 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(496)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y68ca w903 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Fair value through other comprehensive income<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1138 y68ca w6d4 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">117<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1139 y68ca w96 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">67<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x113a y68ca w3b4 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(117)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x113b y68ca w109 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(77)<span class=\"_ _3eb\"> </span></div></td></tr></table></div><div class=\"t m0 hf ff8 fsb fc2 sc0 lsb ws9 gs54e\">14. Derivative financial <span class=\"_ _1b\"></span>instruments<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h4 ff5 fs1 fc1 sc0 ls1 ws2 gs54f\">Accounting policy<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h9 ff1 fs2 fc3 sc0 ls2 ws0 gs550\">Fair values may be obtained from quoted market prices in active markets, recent market transactions, and valuation </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs551\">techniques, including discounted cash flow models <span class=\"_ _7\"></span>and option pricing models, as appropriate. Where <span class=\"_ _7\"></span>the initially recognised </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs552\">fair value of a derivative contract <span class=\"_ _7\"></span>is based on a valuation model that <span class=\"_ _7\"></span>uses inputs which are not observable <span class=\"_ _7\"></span>in the market, </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs553\">it<span class=\"_ gs36\"> </span>follows the same initial recognition accounting <span class=\"_ _7\"></span>policy as for other financial assets and <span class=\"_ _7\"></span>liabilities. All derivatives are carried </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs554\">as assets when fair value is <span class=\"_ _7\"></span>positive and as liabilities when fair value <span class=\"_ _7\"></span>is negative.<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h27 ff8 fs16 fc1 sc0 ls1f ws1e gs555\">Hedge accounting<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs556\">Under certain conditions, the Group may <span class=\"_ _7\"></span>designate a recognised asset or liability, a <span class=\"_ _7\"></span>firm commitment, highly probable </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs557\">forecast transaction or net investment of <span class=\"_ _7\"></span>a foreign operation into a formal hedge <span class=\"_ _7\"></span>accounting relationship with a derivative </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs558\">that has been entered to manage <span class=\"_ _7\"></span>interest rate and/or foreign exchange risks present <span class=\"_ _7\"></span>in the hedged item. The Group <span class=\"_ _7\"></span>has </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs559\">elected to continue applying IAS 39 <span class=\"_ _7\"></span>for hedge accounting.<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs55a\">There are three categories of hedge <span class=\"_ _7\"></span>relationships:</div><div class=\"t m0 h5 ff1 fs2 fc3 sc0 ls0 ws0 gs55b\"> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">Fair value hedge: to manage the fair value of interest rate and/or <span class=\"_ _7\"></span>foreign currency risks of recognised assets <span class=\"_ _7\"></span>or liabilities </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs55c\">or<span class=\"_ gs36\"> </span>firm commitments</div><div class=\"t m0 h5 ff1 fs2 fc3 sc0 ls0 ws0 gs55d\"> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">Cash flow hedge: to manage interest rate or foreign exchange risk of <span class=\"_ _7\"></span>highly probable future cash flows attributable </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs55e\">to<span class=\"_ gs36\"> </span>a<span class=\"_ gs36\"> </span>recognised asset or liability, or a <span class=\"_ _7\"></span>forecasted transaction</div><div class=\"t m0 h5 ff1 fs2 fc3 sc0 ls0 ws0 gs55f\"> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">Net investment hedge: to manage the structural foreign exchange risk of an <span class=\"_ _7\"></span>investment in a foreign operation<span class=\"_ _3eb\"> </span></span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs560\">The Group assesses, both at hedge <span class=\"_ _7\"></span>inception and on a quarterly basis, whether <span class=\"_ _7\"></span>the derivatives designated in hedge </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs561\">relationships are highly effective in offsetting <span class=\"_ _7\"></span>changes in fair values or cash flows <span class=\"_ _7\"></span>of hedged items. Hedges are considered </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs562\">to<span class=\"_ gs36\"> </span>be highly effective if all the <span class=\"_ _7\"></span>following criteria are met:</div><div class=\"t m0 h5 ff1 fs2 fc3 sc0 ls0 ws0 gs563\"> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">At inception of the hedge and throughout its life, the hedge is <span class=\"_ _7\"></span>prospectively expected to be highly effective <span class=\"_ _7\"></span>in achieving </span></div><div class=\"t m0 h9 ff1 fs2 fc3 sc0 ls2 ws0 gs564\">offsetting changes in fair value or cash flows attributable to the hedged risk</div><div class=\"t m0 h5 ff1 fs2 fc3 sc0 ls0 ws0 gs565\"> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">Prospective and retrospective effectiveness of the hedge should be within a range <span class=\"_ _7\"></span>of 80\u2013125%. This is tested using </span></div><div class=\"t m0 h9 ff1 fs2 fc3 sc0 ls2 ws0 gs566\">regression analysis </div><div class=\"t m0 h5 ff1 fs2 fc3 sc0 ls0 ws0 gs567\"> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">This is tested using regression analysis where the slope of the regression <span class=\"_ _7\"></span>line must be between -0.80 and <span class=\"_ _7\"></span>-1.25 and </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs568\">the<span class=\"_ gs36\"> </span>data pairs between the hedged item <span class=\"_ _7\"></span>and the hedging instrument are regressed to <span class=\"_ _7\"></span>a 95% confidence interval. </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs569\">The<span class=\"_ gs36\"> </span>regression co-efficient (R squared), which measures <span class=\"_ _7\"></span>the correlation between the variables in the <span class=\"_ _7\"></span>regression, </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs56a\">is<span class=\"_ gs36\"> </span>at<span class=\"_ gs36\"> </span>least<span class=\"_ gs36\"> </span>80%.<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs56b\">In the case of the hedge <span class=\"_ _7\"></span>of a forecast transaction, the transaction must <span class=\"_ _7\"></span>have a high probability of occurring <span class=\"_ _7\"></span>and must </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs56c\">present an exposure to variations in <span class=\"_ _7\"></span>cash flows that are expected to affect <span class=\"_ _7\"></span>reported profit or loss.<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h27 ff8 fs16 fc1 sc0 ls1f ws1e gs56d\">Fair value <span class=\"_ _7\"></span>hedge<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs56e\">Changes in the fair value of <span class=\"_ _7\"></span>derivatives that are designated and qualify as <span class=\"_ _7\"></span>fair value hedging instruments are recorded </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs56f\">in<span class=\"_ gs36\"> </span>net<span class=\"_ gs36\"> </span>trading income, together with any changes <span class=\"_ _7\"></span>in the fair value of the hedged <span class=\"_ _7\"></span>asset or liability that are attributable <span class=\"_ _7\"></span>to </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs570\">the<span class=\"_ gs36\"> </span>hedged risk. If the hedge no <span class=\"_ _7\"></span>longer meets the criteria for hedge accounting, <span class=\"_ _7\"></span>the adjustment to the carrying amount </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs571\">of<span class=\"_ gs36\"> </span>a<span class=\"_ gs36\"> </span>hedged item for which the effective <span class=\"_ _7\"></span>interest method is used is amortised to <span class=\"_ _7\"></span>the income statement over the remaining </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs572\">term to<span class=\"_ gs36\"> </span>maturity of the hedged item. <span class=\"_ _7\"></span>If the hedged item is sold or <span class=\"_ _7\"></span>repaid, the unamortised fair value adjustment <span class=\"_ _7\"></span>is recognised </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs573\">immediately in the income statement. For <span class=\"_ _7\"></span>financial assets classified as fair value through <span class=\"_ _7\"></span>other comprehensive income, </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs574\">the<span class=\"_ gs36\"> </span>hedge accounting adjustment attributable to the <span class=\"_ _7\"></span>hedged risk is included in net trading <span class=\"_ _7\"></span>income to match the </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs575\">hedging<span class=\"_ gs36\"> </span>derivative.<span class=\"_ _3eb\"> </span></div>Cash flow <span class=\"_ _7\"></span>hedge<span class=\"_ _3eb\"> </span>The effective portion of changes in <span class=\"_ _7\"></span>the fair value of derivatives that are <span class=\"_ _7\"></span>designated and qualify as cash flow <span class=\"_ _7\"></span>hedging instruments are initially recognised in other <span class=\"_ _7\"></span>comprehensive income, accumulating in the cash flow <span class=\"_ _7\"></span>hedge reserve within equity. These amounts are subsequently recycled <span class=\"_ _7\"></span>to the income statement in the periods <span class=\"_ _7\"></span>when the hedged item affects profit or loss. Both the derivative <span class=\"_ _7\"></span>fair value movement and any recycled amount <span class=\"_ _7\"></span>are recorded in the \u2018Cashflow hedges\u2019 line<span class=\"_ gs36\"> </span>item in other comprehensive income. The Group assesses hedge effectiveness using <span class=\"_ _7\"></span>the hypothetical derivative method, which creates a <span class=\"_ _7\"></span>derivative instrument to<span class=\"_ gs36\"> </span>serve as a proxy for the <span class=\"_ _7\"></span>hedged transaction. The terms of the hypothetical <span class=\"_ _7\"></span>derivative match the critical terms of <span class=\"_ _7\"></span>the hedged item and it has a <span class=\"_ _7\"></span>fair value of zero at inception. The <span class=\"_ _7\"></span>hypothetical derivative and the actual derivative <span class=\"_ _7\"></span>are regressed to establish the statistical significance of <span class=\"_ _7\"></span>the hedge relationship. Any ineffective portion of <span class=\"_ _7\"></span>the gain or loss on the <span class=\"_ _7\"></span>hedging instrument is recognised in the net <span class=\"_ _7\"></span>trading income immediately.<span class=\"_ _3eb\"> </span>If a cash flow hedge is <span class=\"_ _7\"></span>discontinued, the amount accumulated in the cash <span class=\"_ _7\"></span>flow hedge reserve is released to <span class=\"_ _7\"></span>the income statement as and when the hedged <span class=\"_ _7\"></span>item affects the income statement.<span class=\"_ _3eb\"> </span>Should the Group consider the hedged future cash flows are no longer expected to occur due to reasons, the cumulative gain or loss will be immediately reclassified <span class=\"_ _7\"></span>to profit or loss.<span class=\"_ _3eb\"> </span>Net investment <span class=\"_ _7\"></span>hedge<span class=\"_ _3eb\"> </span>Hedges of net investments are accounted <span class=\"_ _7\"></span>for in a similar manner to cash <span class=\"_ _7\"></span>flow hedges, with gains and losses <span class=\"_ _7\"></span>arising on the<span class=\"_ gs36\"> </span>effective portion of the hedges recorded <span class=\"_ _7\"></span>in the line \u2018Exchange differences on translation <span class=\"_ _7\"></span>of foreign operations\u2019 in other comprehensive income, accumulating in the translation <span class=\"_ _7\"></span>reserve within equity. These amounts remain in <span class=\"_ _7\"></span>equity until the net<span class=\"_ gs36\"> </span>investment is disposed of. The ineffective <span class=\"_ _7\"></span>portion of the hedges is recognised in <span class=\"_ _7\"></span>the net trading income immediately.<span class=\"_ _3eb\"> </span>The tables below analyse the notional <span class=\"_ _7\"></span>principal amounts and the positive and negative <span class=\"_ _7\"></span>fair values of derivative financial instruments. Notional principal amounts are the <span class=\"_ _7\"></span>amounts of principal underlying the contract at <span class=\"_ _7\"></span>the reporting date.<span class=\"_ _3eb\"> </span><table class=\"s w904 h25f\" id=\"_11ad6686-e543-4740-a1ad-0972e7e9f3ca\"><tr><td></td><td></td><td class=\"c n x113c y68cb w306 h204\"><div class=\"t m0 x1ed h38 y6563 ff5 fs17 fc0 sc0 ls21 ws20\">2025<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td class=\"c n x113d y68cb w46b h205\"><div class=\"t m0 x1ed h38 y6563 ff1 fs17 fc3 sc0 ls21 ws20\">2024<span class=\"_ _3eb\"> </span></div></td><td></td></tr><tr><td></td><td class=\"t m0 xb99 h38 y68cc ff5 fs17 fc0 sc0 ls21 ws20\">Notional<span class=\"_ _3eb\"> </span></td><td></td><td></td><td class=\"t m0 x5fb h39 y68cc ff1 fs17 fc3 sc0 ls21 ws20\">Notional<span class=\"_ _3eb\"> </span></td><td></td><td></td></tr><tr><td></td><td class=\"t m0 xb99 h38 y68cd ff5 fs17 fc0 sc0 ls21 ws20\">principal<span class=\"_ _3eb\"> </span></td><td></td><td></td><td class=\"t m0 x5fb h2c y68cd ff4 fs17 fc3 sc0 ls21 ws20\">principal<span class=\"_ _3eb\"> </span></td><td></td><td></td></tr><tr><td></td><td class=\"t m0 xb99 h38 y68ce ff5 fs17 fc0 sc0 ls21 ws20\">amounts<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x403 h38 y68ce ff5 fs17 fc0 sc0 ls21 ws20\">Assets<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x538 h38 y68ce ff5 fs17 fc0 sc0 ls21 ws20\">Liabilities<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xb9a h39 y68ce ff1 fs17 fc3 sc0 ls21 ws20\">amounts<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x113e h39 y68ce ff1 fs17 fc3 sc0 ls21 ws20\">Assets<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x113f h2c y68ce ff4 fs17 fc3 sc0 ls21 ws20\">Liabilities<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"t m0 x221 h38 y68cf ff5 fs17 fc3 sc0 ls21 ws20\">Derivatives<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x8f9 h38 y68cf ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x8bc h38 y68cf ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x404 h38 y68cf ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x405 h2c y68cf ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x8fa h2c y68cf ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1ec h2c y68cf ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"t m0 x221 h8 y68d0 ff5 fs5 fc3 sc0 ls5 ws5\">Foreign exchange derivative contracts\u00b9:<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y658b w905 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Forward foreign exchange contracts<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1140 y658b w906 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">5,793,024<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1141 y658b w907 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">42,581<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1142 y658b w908 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">42,554<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1143 y658b w909 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">4,923,991<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1144 y658b w49 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">54,913<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1145 y658b w4b7 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">51,128<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6570 w90a h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Currency swaps and options<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1146 y6570 w90b h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">1,592,764<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1147 y6570 w90c h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">13,323<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1148 y6570 w90d h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">13,965<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1149 y6570 w90e h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">1,377,308<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfa3 y6570 w90f h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">18,104<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x114a y6570 w910 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">18,720<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td class=\"c n x114b y655b w911 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">7,385,788<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x114c y655b w912 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">55,904<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x114d y655b w913 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">56,519<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x114e y655b w914 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">6,301,299<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x114f y655b w55 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">73,017<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1150 y655b w915 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">69,848<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x221 h8 y68d1 ff5 fs5 fc3 sc0 ls5 ws5\">Interest rate derivative contracts:<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y655d w1c1 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">Swaps<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1151 y655d w916 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">9,371,325<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1152 y655d w917 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">17,290<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1153 y655d w918 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">18,294<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1154 y655d w919 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">6,267,261<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1155 y655d w91a h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">20,600<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1156 y655d w5b6 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">22,282<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6573 w91b h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Forward rate agreements and options<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1157 y6573 w91c h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">325,419<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1158 y6573 w91d h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">1,674<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1159 y6573 w109 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">994<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x115a y6573 w91e h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">294,705<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x115b y6573 w91f h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">2,233<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x115c y6573 w920 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">2,771<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td class=\"c n x115d y6574 w921 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">9,696,744<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x115e y6574 w922 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">18,964<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x115f y6574 w923 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">19,288<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1160 y6574 w924 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">6,561,966<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1161 y6574 w925 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">22,833<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1162 y6574 w907 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">25,053<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6560 w926 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Exchange traded futures and options<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1163 y6560 w927 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">640,718<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1164 y6560 w8b4 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">39<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1165 y6560 w1f6 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">84<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1166 y6560 w928 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">383,528<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1167 y6560 w1cc h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">30<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1168 y6560 w3ab h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">27<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6575 w929 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">Credit derivative contracts<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1169 y6575 w92a h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">81,800<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x116a y6575 we7 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">493<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x116b y6575 w297 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">2,086<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x116c y6575 w92b h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">227,675<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x116d y6575 w380 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">397<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x116e y6575 w80 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">2,320<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y658d w92c h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Equity and stock index options<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x116f y658d w128 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">22,078<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1170 y658d w92d h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">336<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1171 y658d w4fc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">482<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1172 y658d w92e h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">10,678<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1173 y658d w356 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">351<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1174 y658d w92f h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">194<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y658e w930 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">Commodity derivative contracts<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1175 y658e w931 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">185,432<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1176 y658e w932 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">2,782<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1177 y658e w3d h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">2,464<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1178 y658e w933 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">142,393<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1179 y658e w598 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">1,274<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x117a y658e w581 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">1,052<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6577 w399 h203\"><div class=\"t m0 x1ed h3d y655f ff5 fs5 fc3 sc0 ls5 ws5\">Gross total derivatives<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x117b y6577 w934 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">18,012,560<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x117c y6577 w935 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">78,518<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x117d y6577 w936 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">80,923<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x117e y6577 w937 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">13,627,539<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x117f y6577 w938 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">97,902<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1180 y6577 w60f h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">98,494<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6566 w939 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">Offset<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1181 y6566 w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1182 y6566 w5e6 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(12,736)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1183 y6566 w5f5 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(12,719)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1184 y6566 w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1185 y6566 w600 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(16,430)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1186 y6566 w600 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(16,430)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6567 w93a h203\"><div class=\"t m0 x1ed h3d y655f ff5 fs5 fc3 sc0 ls5 ws5\">Total derivatives<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1187 y6567 w934 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">18,012,560<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1188 y6567 w93b h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">65,782<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1189 y6567 w286 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">68,204<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x118a y6567 w937 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">13,627,539<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x118b y6567 wc7 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">81,472<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb7a y6567 w100 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">82,064<span class=\"_ _3eb\"> </span></div></td></tr></table>1 <span class=\"_ _b\"> </span><span class=\"ff4\">Foreign exchange derivative contracts include precious metals derivatives.<span class=\"_ _3eb\"> </span></span>The Group limits exposure to credit <span class=\"_ _7\"></span>losses in the event of default by <span class=\"_ _7\"></span>entering into master netting agreements with <span class=\"_ _7\"></span>certain market counterparties. As required by IAS <span class=\"_ _7\"></span>32, exposures are only presented net in <span class=\"_ _7\"></span>these accounts where they are subject to<span class=\"_ gs36\"> </span>legal<span class=\"_ gs36\"> </span>right of offset and intended to <span class=\"_ _7\"></span>be settled net in the ordinary course <span class=\"_ _7\"></span>of business.<span class=\"_ _3eb\"> </span>The Group applies balance sheet offsetting <span class=\"_ _7\"></span>only in the instance where we are <span class=\"_ _7\"></span>able to demonstrate legal enforceability of the<span class=\"_ gs36\"> </span>right to offset (e.g. via legal <span class=\"_ _7\"></span>opinion) and the ability and intention to <span class=\"_ _7\"></span>settle on a net basis (e.g. <span class=\"_ _7\"></span>via operational practice).<span class=\"_ _3eb\"> </span>The Group may enter into economic <span class=\"_ _7\"></span>hedges that do not qualify for IAS <span class=\"_ _7\"></span>39 hedge accounting treatment, including derivative such as interest rate swaps, interest rate futures and cross currency swaps to manage interest rate and currency risks of the Group. These derivatives are measured at <span class=\"_ _7\"></span>fair value, with fair value changes recognised <span class=\"_ _7\"></span>in net trading income: refer to <span class=\"_ _7\"></span>Market Risk (page 277)<span class=\"_ _3eb\"> </span>.<span class=\"_ _3eb\"> </span><div class=\"t m0 hc ff7 fs8 fc2 sc0 ls8 wsb gs58c\">Derivatives held for <span class=\"_ _7\"></span>hedging<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs58d\">The Group enters into derivative contracts <span class=\"_ _7\"></span>for the purpose of hedging interest rate, <span class=\"_ _7\"></span>currency and structural foreign exchange </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs58e\">risks inherent in assets, liabilities and <span class=\"_ _7\"></span>forecast transactions. The table below summarises the <span class=\"_ _7\"></span>notional principal amounts and </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs58f\">carrying values of derivatives designated in <span class=\"_ _7\"></span>hedge accounting relationships at the reporting date.<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs590\">Included in the table below are <span class=\"_ _7\"></span>derivatives held for hedging purposes as follows: </div><div class=\"gs591\"><table class=\"s w93c h260\" id=\"_e36d7d6f-6091-4e4b-bc7f-140da1ac7d4f\"><tr><td></td><td></td><td class=\"c n x86a y68d2 w306 h215\"><div class=\"t m0 x1ed h38 y6563 ff5 fs17 fc0 sc0 ls21 ws20\">2025<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td class=\"c n x86b y68d2 w46b h205\"><div class=\"t m0 x1ed h38 y6563 ff1 fs17 fc3 sc0 ls21 ws20\">2024<span class=\"_ _3eb\"> </span></div></td><td></td></tr><tr><td></td><td class=\"t m0 x1052 h38 y68d3 ff5 fs17 fc0 sc0 ls21 ws20\">Notional<span class=\"_ _3eb\"> </span></td><td></td><td></td><td class=\"t m0 x118c h39 y68d3 ff1 fs17 fc3 sc0 ls21 ws20\">Notional<span class=\"_ _3eb\"> </span></td><td></td><td></td></tr><tr><td></td><td class=\"t m0 x1052 h38 y68d4 ff5 fs17 fc0 sc0 ls21 ws20\">principal<span class=\"_ _3eb\"> </span></td><td></td><td></td><td class=\"t m0 x118c h2c y68d4 ff4 fs17 fc3 sc0 ls21 ws20\">principal<span class=\"_ _3eb\"> </span></td><td></td><td></td></tr><tr><td></td><td class=\"t m0 x1052 h38 y68d5 ff5 fs17 fc0 sc0 ls21 ws20\">amounts<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x2f0 h38 y68d5 ff5 fs17 fc0 sc0 ls21 ws20\">Assets<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x2e0 h38 y68d5 ff5 fs17 fc0 sc0 ls21 ws20\">Liabilities<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x118c h39 y68d5 ff1 fs17 fc3 sc0 ls21 ws20\">amounts<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x2e2 h39 y68d5 ff1 fs17 fc3 sc0 ls21 ws20\">Assets<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x4bb h2c y68d5 ff4 fs17 fc3 sc0 ls21 ws20\">Liabilities<span class=\"_ _3eb\"> </span></td></tr><tr><td></td><td class=\"t m0 x2f7 h38 y68d6 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x2c9 h38 y68d6 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x4be h38 y68d6 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x2fa h2c y68d6 ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x233 h2c y68d6 ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x234 h2c y68d6 ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"t m0 x235 h8 y68d7 ff5 fs5 fc3 sc0 ls5 ws5\">Derivatives designated </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m0 x235 h8 y68d8 ff5 fs5 fc3 sc0 ls5 ws5\">as<span class=\"_ gs1a6\"> </span>fair<span class=\"_ gs1a6\"> </span>value<span class=\"_ gs1a6\"> </span>hedges:<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y65ee w93d h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Interest rate swaps<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x118d y65ee w93e h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">62,630<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x572 y65ee w93f h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">717<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x118e y65ee w58a h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">1,001<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x118f y65ee w3ba h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">63,840<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1190 y65ee w940 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">763<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1191 y65ee w941 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">1,679<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y65ef w942 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Currency swaps<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1192 y65ef w27e h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">1,954<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1193 y65ef w66 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">92<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1194 y65ef w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1195 y65ef w750 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">1,035<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1196 y65ef w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1197 y65ef w1e6 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">56<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td class=\"c n x1198 y65f0 w5b8 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">64,584<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1199 y65f0 w943 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">809<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x119a y65f0 w58a h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">1,001<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x119b y65f0 w944 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">64,875<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x119c y65f0 w940 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">763<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x119d y65f0 w102 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">1,735<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x235 h8 y68d9 ff5 fs5 fc3 sc0 ls5 ws5\">Derivatives designated </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m0 x235 h8 y68da ff5 fs5 fc3 sc0 ls5 ws5\">as<span class=\"_ gs1a6\"> </span>cash<span class=\"_ gs1a6\"> </span>flow<span class=\"_ gs1a6\"> </span>hedges:<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y65f3 w93d h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Interest rate swaps<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x119e y65f3 w945 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">63,247<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x648 y65f3 w946 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">300<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x119f y65f3 w947 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">78<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11a0 y65f3 w948 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">49,309<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11a1 y65f3 w50a h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">165<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11a2 y65f3 w949 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">282<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y68a8 w905 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Forward foreign exchange contracts<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11a3 y68a8 w94a h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">10,268<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11a4 y68a8 w94b h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">124<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11a5 y68a8 w94c h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">34<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11a6 y68a8 w350 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">9,193<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11a7 y68a8 w94d h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">609<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11a8 y68a8 w41a h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y68a9 w942 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Currency swaps<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11a9 y68a9 w94e h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">3,904<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11aa y68a9 w2c1 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">86<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11ab y68a9 wac h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">22<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11ac y68a9 w94f h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">14,305<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11ad y68a9 w10a h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">729<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11ae y68a9 w4da h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td class=\"c n xb00 y68ab w290 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">77,419<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11af y68ab w950 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">510<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11b0 y68ab w3e5 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">134<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11b1 y68ab w951 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">72,807<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11b2 y68ab w952 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">1,503<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11b3 y68ab w508 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">285<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x235 h8 y68db ff5 fs5 fc3 sc0 ls5 ws5\">Derivatives designated as<span class=\"_ gs1a6\"> </span>net </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m0 x235 h8 y68dc ff5 fs5 fc3 sc0 ls5 ws5\">investment<span class=\"_ gs1a6\"> </span>hedges:<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y6566 w905 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Forward foreign exchange contracts<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11b4 y6566 w953 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">17,155<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11b5 y6566 w954 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">440<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11b6 y6566 w1e6 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">23<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11b7 y6566 w955 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">14,137<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11b8 y6566 w956 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">300<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11b9 y6566 w957 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">7<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6567 w958 h201\"><div class=\"t m0 x1ed h3d y6548 ff5 fs5 fc3 sc0 ls5 ws5\">Total derivatives held for hedging<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11ba y6567 w959 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">159,158<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11bb y6567 w95a h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">1,759<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11bc y6567 w5bb h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">1,158<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11bd y6567 w5b7 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">151,819<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11be y6567 w95b h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">2,566<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11bf y6567 w14b h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">2,027<span class=\"_ _3eb\"> </span></div></td></tr></table></div><div class=\"t m0 hc ff6 fs8 fc2 sc0 ls8 ws0 gs592\">Fair value hedges<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs593\">The Group issues various long-term fixed-rate <span class=\"_ _7\"></span>debt issuances that are measured at amortised <span class=\"_ _7\"></span>cost, including some </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs594\">denominated in foreign currency, such as <span class=\"_ _7\"></span>unsecured senior and subordinated debt (see Notes <span class=\"_ _7\"></span>22 and 27). The Group also <span class=\"_ _7\"></span>holds </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs595\">various fixed rate debt securities such <span class=\"_ _7\"></span>as government and corporate bonds, including some <span class=\"_ _7\"></span>denominated in foreign currency </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs596\">(see Note 13). These assets and <span class=\"_ _7\"></span>liabilities held are exposed to changes in <span class=\"_ _7\"></span>fair value due to movements in <span class=\"_ _7\"></span>market interest and </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs597\">foreign currency rates.<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h9 ff1 fs2 fc3 sc0 ls2 ws0 gs598\">The Group uses interest rate swaps to exchange fixed rates for floating rates on funding to match floating rates received on </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs599\">assets or exchange fixed rates on <span class=\"_ _7\"></span>assets to match floating rates paid on <span class=\"_ _7\"></span>funding. The Group further uses cross- <span class=\"_ _7\"></span>currency swaps </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs59a\">to match the currency of the <span class=\"_ _7\"></span>issued debt or held asset with that <span class=\"_ _7\"></span>of the entity\u2019s functional currency. </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs59b\">Hedge ineffectiveness from fair value hedges <span class=\"_ _7\"></span>is driven by cross-currency basis risk and <span class=\"_ _7\"></span>interest cashflows mismatch between </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs59c\">the<span class=\"_ gs36\"> </span>hedging instruments and underlying hedged items. <span class=\"_ _7\"></span>The amortisation of fair value hedge adjustments <span class=\"_ _7\"></span>for hedged items </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs59d\">no<span class=\"_ gs36\"> </span>longer designated is recognised in net <span class=\"_ _7\"></span>interest income.<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h9 ff1 fs2 fc3 sc0 ls2 ws0 gs59e\">As at 31 December 2025, the Group held the following interest rate and cross currency swaps as hedging instruments in fair </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs59f\">value hedges of interest and currency <span class=\"_ _7\"></span>risk.<span class=\"_ _3eb\"> </span></div>Hedging instruments and <span class=\"_ _7\"></span>ineffectiveness<span class=\"_ _3eb\"> </span><table class=\"s w95c h261\" id=\"_a748108c-e997-4606-9d2a-8392031bc267\"><tr><td></td><td></td><td></td><td></td><td class=\"t m0 x9d8 h38 y68dd ff5 fs17 fc0 sc0 ls21 ws20\">Change in fair </td><td></td></tr><tr><td></td><td></td><td class=\"t m0 x11c0 h38 y68de ff5 fs17 fc0 sc0 ls21 ws20\">Carrying Amount<span class=\"_ _3eb\"> </span></td><td></td><td class=\"t m0 x9d3 h38 y68df ff5 fs17 fc0 sc0 ls21 ws20\">value used to </td><td class=\"t m0 x11c1 h38 y68df ff5 fs17 fc0 sc0 ls21 ws20\">Ineffectiveness </td></tr><tr><td></td><td></td><td></td><td></td><td class=\"t m0 x11c2 h38 y68e0 ff5 fs17 fc0 sc0 ls21 ws20\">calculate hedge<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x11c3 h38 y68e0 ff5 fs17 fc0 sc0 ls21 ws20\">recognised in </td></tr><tr><td></td><td class=\"t m0 x11c4 h38 y68e1 ff5 fs17 fc0 sc0 ls21 ws20\">Notional <span class=\"ff2 ls0 ws0\"> </span></td><td class=\"t m0 x11c5 h38 y68e1 ff5 fs17 fc0 sc0 ls21 ws20\">Asset <span class=\"ff2 ls0 ws0\"> </span></td><td class=\"t m0 x8b9 h38 y68e1 ff5 fs17 fc0 sc0 ls21 ws20\">Liability<span class=\"ff2 ls0 ws0\"> </span></td><td class=\"c x11c7 y68e3 w95d h262\"><div class=\"t m0 x1ed h38 y6563 ff5 fs17 fc0 sc0 ls21 ws20\">ineffectiveness</div><div class=\"t m0 x11c6 ha7 y68e2 ff5 fs19 fc0 sc0 ls0 ws0\">2</div></td><td class=\"t m0 xb9f h38 y68e1 ff5 fs17 fc0 sc0 ls21 ws20\">profit or loss<span class=\"ff2 ls0 ws0\"> </span></td></tr><tr><td class=\"c x1ee y68e6 w95e h1ff\"><div class=\"t m0 x1ed h8 y68e4 ff5 fs5 fc3 sc0 ls5 ws5\">Interest rate</div><div class=\"t m0 x11c8 h9a y68e5 ff5 fs1b fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x8bc h38 y68e7 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x404 h38 y68e7 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x405 h38 y68e7 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1eb h38 y68e7 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1ec h38 y68e7 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"t m0 x221 h1a y68e8 ff4 fs5 fc3 sc0 ls5 ws5\">Interest rate swaps \u2013 debt securities/subordinated<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y68bc w95f h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">notes issued<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11c9 y68bc w960 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">42,219<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11ca y68bc w961 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">557<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11cb y68bc w48c h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">939<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11cc y68bc waf h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">839<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11cd y68bc w3f4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y68bd w962 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">Interest rate swaps \u2013 loans and advances <span class=\"_ _7\"></span>to customers<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11ce y68bd w3ed h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">531<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11cf y68bd w1cf h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11d0 y68bd w91 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">5<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11d1 y68bd w480 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(8)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11d2 y68bd w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y68be w963 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">Interest rate swaps \u2013 debt <span class=\"_ _7\"></span>securities and other eligible bills<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11d3 y68be w964 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">19,880<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11d4 y68be w965 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">160<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11d5 y68be w4cd h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">57<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11d6 y68be w966 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(333)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11d7 y68be w4a4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(9)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y68e9 w967 h201\"><div class=\"t m0 x1ed h8 y666e ff5 fs5 fc3 sc0 ls5 ws5\">Interest and currency risk</div><div class=\"t m0 x11d8 h9a y66c4 ff5 fs1b fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m0 x221 h1a y68ea ff4 fs5 fc3 sc0 ls5 ws5\">Cross currency swaps \u2013 debt securities/subordinated<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y68eb w95f h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">notes issued<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11d9 y68eb w27e h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">1,954<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11da y68eb w66 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">92<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbaa y68eb w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11db y68eb w62c h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">141<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11dc y68eb w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y6609 w968 h216\"><div class=\"t m0 x1ed h1a y65db ff4 fs5 fc3 sc0 ls5 ws5\">Cross currency swaps \u2013 debt securities and <span class=\"_ _7\"></span>other<span class=\"_ _3eb\"> </span></div><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">eligible<span class=\"_ gs1a1\"> </span>bills<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11dd y6609 w2bc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x4f8 y6609 w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11de y6609 w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11df y6609 w1cf h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11e0 y6609 w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y660a w969 h201\"><div class=\"t m0 x1ed h3d y6548 ff5 fs5 fc3 sc0 ls5 ws5\">Total as at 31 December 2025<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11e1 y660a w5b8 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">64,584<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11e2 y660a w5c5 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">809<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11e3 y660a w58a h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">1,001<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x83b y660a w48c h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">639<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11e4 y660a w4a5 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(7)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x221 h1a y68ec ff4 fs5 fc3 sc0 ls5 ws5\">Interest rate swaps \u2013 debt securities/subordinated<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y6695 w95f h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">notes issued<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11c9 y6695 wc4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">46,832<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11e5 y6695 wa6 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">283<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11e6 y6695 w29a h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">1,643<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11e7 y6695 w475 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">46<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11e8 y6695 w4da h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y65f3 w962 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Interest rate swaps \u2013 loans and advances <span class=\"_ _7\"></span>to customers<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11e9 y65f3 w96a h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">1,334<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11ea y65f3 w94 h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">10<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11eb y65f3 w11d h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">12<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11ec y65f3 w4db h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(5)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11ed y65f3 w1cf h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y68a8 w963 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Interest rate swaps \u2013 debt <span class=\"_ _7\"></span>securities and other eligible bills<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11ee y68a8 w783 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">15,674<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11ef y68a8 w901 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">470<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11f0 y68a8 w116 h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">24<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11f1 y68a8 w8ca h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">142<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11f2 y68a8 w4da h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y68ed w96b h25c\"><div class=\"t m0 x1ed h3b y6600 ff1 fs5 fc3 sc0 ls5 ws0\">Interest and currency risk</div><div class=\"t m0 x11d8 h3c y667e ff1 fs1b fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m0 x221 h1a y68ee ff4 fs5 fc3 sc0 ls5 ws5\">Cross currency swaps \u2013 debt securities/subordinated<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y65f7 w95f h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">notes issued<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11f3 y65f7 w96c h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">1,035<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb30 y65f7 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11f4 y65f7 w1e6 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">56<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11f5 y65f7 w3ac h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(52)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11f6 y65f7 wac h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(1)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y6566 w968 h217\"><div class=\"t m0 x1ed h1a y65dd ff4 fs5 fc3 sc0 ls5 ws5\">Cross currency swaps \u2013 debt securities and <span class=\"_ _7\"></span>other<span class=\"_ _3eb\"> </span></div><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">eligible<span class=\"_ gs1a1\"> </span>bills<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11dd y6566 w2bc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x4f8 y6566 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11de y6566 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11f7 y6566 w96d h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(10)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11f8 y6566 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6567 w96e h203\"><div class=\"t m0 x1ed h1a y65de ff5 fs5 fc3 sc0 ls5 ws5\">Total as at 31 December 2024<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11f9 y6567 w944 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">64,875<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11fa y6567 w380 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">763<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11fb y6567 w102 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">1,735<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11fc y6567 w1e5 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">121<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11fd y6567 w32 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls0 ws0\">3<span class=\"_ _3eb\"> </span></div></td></tr></table>1 <span class=\"_ _b\"> </span><span class=\"ff4\">Interest rate swaps are designated in hedges of the fair value of interest <span class=\"_ _7\"></span>rate risk attributable to the hedged item. Cross <span class=\"_ _7\"></span>currency swaps are used to hedge </span>both<span class=\"_ gs1a2\"> </span>interest rate and currency risks. All the hedging <span class=\"_ _7\"></span>instruments are derivatives, with changes in fair value <span class=\"_ _7\"></span>including hedge ineffectiveness recorded within net<span class=\"_ gs1a2\"> </span>trading income.<span class=\"_ _3eb\"> </span>2 <span class=\"_ _f\"> </span><span class=\"ff4\">This represents a (loss)/gains change in fair value used for calculating hedge <span class=\"_ _7\"></span>ineffectiveness.<span class=\"_ _3eb\"> </span></span>Hedged items in fair value hedges<span class=\"_ _3eb\"> </span><table class=\"s w96f h263\" id=\"_76bfb132-8a79-469a-8b42-2524b1227b90\"><tr><td></td><td></td><td></td><td></td><td class=\"t m0 x11fe h38 y68ef ff5 fs17 fc0 sc0 ls21 ws20\">Accumulated amount of fair value </td><td class=\"c n x11ff y68f0 w970 h204\"><div class=\"t m0 x1ed h38 y6563 ff5 fs17 fc0 sc0 ls21 ws20\">Cumulative<span class=\"_ _3eb\"> </span></div></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"t m0 x9cb h38 y68f1 ff5 fs17 fc0 sc0 ls21 ws20\">hedge adjustments included </td><td class=\"c n x1200 y68f2 w971 h204\"><div class=\"t m0 x1ed h38 y6563 ff5 fs17 fc0 sc0 ls21 ws20\">balance of fair<span class=\"_ _3eb\"> </span></div></td><td></td></tr><tr><td></td><td class=\"t m0 x1201 h38 y68f3 ff5 fs17 fc0 sc0 ls21 ws20\">Carrying Amount<span class=\"_ _3eb\"> </span></td><td></td><td></td><td class=\"c n x1202 y68f4 w972 h204\"><div class=\"t m0 x1ed h38 y6563 ff5 fs17 fc0 sc0 ls21 ws20\">in<span class=\"_ gs40f\"> </span>the<span class=\"_ gs40f\"> </span>carrying amount<span class=\"_ _3eb\"> </span></div></td><td class=\"c x1204 y68f4 w973 h204\"><div class=\"t m0 x1ed h38 y6563 ff5 fs17 fc0 sc0 ls21 ws20\">Change in fair<span class=\"_ _3eb\"> </span></div><div class=\"t m0 x1203 h38 y6563 ff5 fs17 fc0 sc0 ls21 ws20\">value adjustments<span class=\"_ _3eb\"> </span></div></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td class=\"c n xeee y68f5 w974 h204\"><div class=\"t m0 x1ed h38 y6563 ff5 fs17 fc0 sc0 ls21 ws20\">value used to<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x7bd h38 y68f6 ff5 fs17 fc0 sc0 ls21 ws20\">from de-<span class=\"_ _3eb\"> </span></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td class=\"c n x1205 y68f7 w975 h204\"><div class=\"t m0 x1ed h38 y6563 ff5 fs17 fc0 sc0 ls21 ws20\">calculate hedge</div></td><td class=\"t m0 x9d0 h38 y68f8 ff5 fs17 fc0 sc0 ls21 ws20\">designated hedge<span class=\"_ _3eb\"> </span></td></tr><tr><td></td><td class=\"t m0 x8f6 h38 y68f9 ff5 fs17 fc0 sc0 ls21 ws20\">Asset <span class=\"ff2 ls0 ws0\"> </span></td><td class=\"t m0 x1206 h38 y68f9 ff5 fs17 fc0 sc0 ls21 ws20\">Liability<span class=\"ff2 ls0 ws0\"> </span></td><td class=\"t m0 x11c5 h38 y68f9 ff5 fs17 fc0 sc0 ls21 ws20\">Asset <span class=\"ff2 ls0 ws0\"> </span></td><td class=\"t m0 x8b9 h38 y68f9 ff5 fs17 fc0 sc0 ls21 ws20\">Liability<span class=\"ff2 ls0 ws0\"> </span></td><td class=\"c x11c7 y68fa w976 h21b\"><div class=\"t m0 x1ed h38 y6563 ff5 fs17 fc0 sc0 ls21 ws20\">ineffectiveness</div><div class=\"t m0 x11c6 ha7 y65fd ff5 fs19 fc0 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c x1208 y68fa w977 h21b\"><div class=\"t m0 x1ed h38 y6563 ff5 fs17 fc0 sc0 ls21 ws20\">relationships</div><div class=\"t m0 x1207 ha7 y65fd ff5 fs19 fc0 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td class=\"t m0 x8f9 h38 y68fb ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x8bc h38 y68fb ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x404 h38 y68fb ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x405 h38 y68fb ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"c n x8bd y68fc w173 h204\"><div class=\"t m0 x1ed h38 y6563 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x1ec h38 y68fb ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c n x1ee y68fd w978 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">Debt securities /subordinated notes issued<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x894 y68fd w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1209 y68fd w979 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">43,968<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x120a y68fd w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x120b y68fd w137 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">546<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x120c y68fd w97a h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(978)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x120d y68fd w378 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">252<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y68fe w97b h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">Debt securities and other eligible bills<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x120e y68fe w1d6 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">19,834<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x120f y68fe w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1210 y68fe w484 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(57)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1211 y68fe w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1212 y68fe w5de h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">324<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1213 y68fe w3aa h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">82<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y68ff wcb h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Loans and advances to customers<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1214 y68ff w337 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">536<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1215 y68ff w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1216 y68ff w91 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">5<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1123 y68ff w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1217 y68ff w8a3 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">8<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1218 y68ff w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6900 w969 h203\"><div class=\"t m0 x1ed h3d y655f ff5 fs5 fc3 sc0 ls5 ws5\">Total as at 31 December 2025<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1219 y6900 w97c h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">20,370<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x121a y6900 w979 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">43,968<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x121b y6900 w3a4 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(52)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x121c y6900 w137 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">546<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x121d y6900 w498 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(646)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x121e y6900 w97d h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">334<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6610 w978 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Debt securities /subordinated notes issued<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x894 y6610 w2bc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x121f y6610 w7e6 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">49,616<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1220 y6610 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x51d y6610 w654 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">1,485<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1221 y6610 w957 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">7<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1222 y6610 w97e h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">178<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6577 w97b h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Debt securities and other eligible bills<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1223 y6577 w285 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">15,183<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1224 y6577 w2bc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1225 y6577 w97f h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(353)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10f5 y6577 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1226 y6577 w980 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(130)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1227 y6577 w314 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">235<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6566 wcb h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Loans and advances to customers<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1228 y6566 w981 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">1,330<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb21 y6566 w2bc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1229 y6566 w982 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(4)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x122a y6566 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x122b y6566 w40 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls0 ws0\">5<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x122c y6566 w3c h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls0 ws0\">4<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6567 w96e h203\"><div class=\"t m0 x1ed h1a y65de ff5 fs5 fc3 sc0 ls5 ws5\">Total as at 31 December 2024<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x122d y6567 w287 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">16,513<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x122e y6567 w983 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">49,616<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x122f y6567 wde h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(357)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1230 y6567 w654 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">1,485<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1231 y6567 w85 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(118)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1232 y6567 w984 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">417<span class=\"_ _3eb\"> </span></div></td></tr></table>1 <span class=\"_ _b\"> </span><span class=\"ff4\">This represents a gain/(loss) change in fair value used for calculating hedge ineffectiveness.<span class=\"_ _3eb\"> </span></span>2 <span class=\"_ _f\"> </span><span class=\"ff4\">This represents a credit/(debit) to the balance sheet value.<span class=\"_ _3eb\"> </span></span>Income statement impact of fair value hedges<span class=\"_ _3eb\"> </span><table class=\"s w985 h264\" id=\"_66d151ca-f76b-438b-9e5e-48136a2985e4\"><tr><td></td><td class=\"t m0 x1233 h14f y6901 ff5 fs64 fc0 sc0 ls50 ws5b\">2025<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1e9 h39 y6902 ff1 fs17 fc3 sc0 ls21 ws20\">2024<span class=\"_ _3eb\"> </span></td></tr><tr><td></td><td class=\"t m0 x113e h14f y6903 ff5 fs64 fc0 sc0 ls50 ws5b\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1ec h2c y6903 ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c n x1ee y6610 w986 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Change in fair value of hedging instruments<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1234 y6610 w3e0 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">639<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1235 y6610 w1e5 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">121<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6577 w987 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Change in fair value of hedged risks attributable to hedged items<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1236 y6577 w498 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(646)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1237 y6577 w85 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(118)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6566 w988 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">Net ineffectiveness (loss)/gain to net trading income<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1238 y6566 w4a5 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(7)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1239 y6566 w32 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls0 ws0\">3<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6567 w989 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">Amortisation gain to net interest income<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x123a y6567 w5c2 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">27<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x123b y6567 w356 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">153<span class=\"_ _3eb\"> </span></div></td></tr></table><div class=\"t m0 hc ff7 fs8 fc2 sc0 ls8 wsb gs5ae\">Cash flow hedges<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs5af\">The Group has exposure to market <span class=\"_ _7\"></span>movements in future interest cash flows on <span class=\"_ _7\"></span>portfolios of customer accounts, debt securities </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs5b0\">and loans and advances to customers. <span class=\"_ _7\"></span>The amounts and timing of future cash <span class=\"_ _7\"></span>flows, representing both principal and interest </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs5b1\">flows, are projected on the basis <span class=\"_ _7\"></span>of contractual terms and other relevant factors, <span class=\"_ _7\"></span>including estimates of prepayments and </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs5b2\">defaults.<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs5b3\">The hedging strategy of the Group <span class=\"_ _7\"></span>involves using interest rate swaps to manage <span class=\"_ _7\"></span>the variability in future cash flows <span class=\"_ _7\"></span>on assets </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs5b4\">and liabilities that have floating rates <span class=\"_ _7\"></span>of interest by exchanging the floating rates <span class=\"_ _7\"></span>for fixed rates. It also uses <span class=\"_ _7\"></span>foreign exchange </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs5b5\">contracts and currency swaps to manage <span class=\"_ _7\"></span>the variability in future exchange rates on <span class=\"_ _7\"></span>its assets and liabilities and costs <span class=\"_ _7\"></span>in foreign </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs5b6\">currencies. This is done on both <span class=\"_ _7\"></span>a micro basis whereby a single interest <span class=\"_ _7\"></span>rate or cross-currency swap is designated <span class=\"_ _7\"></span>in a separate </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs5b7\">relationship with a single hedged item <span class=\"_ _7\"></span>(such as a floating-rate loan to a <span class=\"_ _7\"></span>customer), and on a portfolio basis <span class=\"_ _7\"></span>whereby each </div><div class=\"t m0 h9 ff1 fs2 fc3 sc0 ls2 ws0 gs5b8\">hedging instrument is designated against a group of hedged items that share the same risk (such as a group of customer </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs5b9\">accounts). Hedge ineffectiveness for cash flow <span class=\"_ _7\"></span>hedges is mainly driven by reset frequency <span class=\"_ _7\"></span>and payment mismatch between </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs5ba\">the<span class=\"_ gs36\"> </span>hedging instrument and the underlying hedged <span class=\"_ _7\"></span>item.<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs5bb\">The hedged risk is determined as <span class=\"_ _7\"></span>the variability of future cash flows arising <span class=\"_ _7\"></span>from changes in the designated benchmark <span class=\"_ _7\"></span>interest </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs5bc\">and/or foreign exchange rates.<span class=\"_ _3eb\"> </span></div><div class=\"t m0 hc ff7 fs8 fc2 sc0 ls8 wsb gs5bd\">Hedging instruments and <span class=\"_ _7\"></span>ineffectiveness<span class=\"_ _3eb\"> </span></div><div class=\"gs5be\"><table class=\"s w98a h265\" id=\"_a6ebc25f-dbc3-443a-8e8e-135ae669d0ef\"><tr><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m0 x123c h38 y6904 ff5 fs17 fc0 sc0 ls21 ws20\">Ineffectiveness<span class=\"_ _3eb\"> </span></td></tr><tr><td></td><td></td><td class=\"t m0 x2d9 h38 y6905 ff5 fs17 fc0 sc0 ls21 ws20\">Carrying Amount<span class=\"_ _3eb\"> </span></td><td></td><td class=\"t m0 x4ad h38 y6906 ff5 fs17 fc0 sc0 ls21 ws20\">Change in fair </td><td></td><td class=\"t m0 x123d h38 y6906 ff5 fs17 fc0 sc0 ls21 ws20\">gain/(loss)<span class=\"_ _3eb\"> </span></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"t m0 x123e h38 y6907 ff5 fs17 fc0 sc0 ls21 ws20\">value used to </td><td></td><td class=\"t m0 x123f h38 y6907 ff5 fs17 fc0 sc0 ls21 ws20\">recognised in<span class=\"_ _3eb\"> </span></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"t m0 x2e7 h38 y6908 ff5 fs17 fc0 sc0 ls21 ws20\">calculate hedge<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x2d4 h38 y6908 ff5 fs17 fc0 sc0 ls21 ws20\">Gain recognised </td><td class=\"t m0 x123d h38 y6908 ff5 fs17 fc0 sc0 ls21 ws20\">net trading<span class=\"_ _3eb\"> </span></td></tr><tr><td></td><td class=\"t m0 x1052 h38 y6909 ff5 fs17 fc0 sc0 ls21 ws20\">Notional <span class=\"ff2 ls0 ws0\"> </span></td><td class=\"t m0 x2cd h38 y6909 ff5 fs17 fc0 sc0 ls21 ws20\">Asset <span class=\"ff2 ls0 ws0\"> </span></td><td class=\"t m0 x1240 h38 y6909 ff5 fs17 fc0 sc0 ls21 ws20\">Liability<span class=\"ff2 ls0 ws0\"> </span></td><td class=\"c x1242 y690a w98b h21b\"><div class=\"t m0 x1ed h38 y6563 ff5 fs17 fc0 sc0 ls21 ws20\">ineffectiveness</div><div class=\"t m0 x1241 ha7 y65fd ff5 fs19 fc0 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x2e2 h38 y6909 ff5 fs17 fc0 sc0 ls21 ws20\">in<span class=\"_ gs40f\"> </span>OCI<span class=\"ff2 ls0 ws0\"> </span></td><td class=\"t m0 xbf0 h38 y6909 ff5 fs17 fc0 sc0 ls21 ws20\">income<span class=\"_ _3eb\"> </span></td></tr><tr><td></td><td class=\"t m0 x2f7 h38 y690b ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x2c9 h38 y690b ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x4be h38 y690b ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x2fa h38 y690b ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x233 h38 y690b ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x4c2 h38 y690b ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"t m0 x235 h8 y690c ff5 fs5 fc3 sc0 ls5 ws5\">Interest rate risk<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x236 y690d w93d h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Interest rate swaps<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1243 y690d w945 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">63,247<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1244 y690d w98c h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">300<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1245 y690d w98d h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">78<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1246 y690d w94b h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">412<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1247 y690d w954 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">404<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1248 y690d w8a3 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">8<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x235 h8 y690e ff5 fs5 fc3 sc0 ls5 ws5\">Currency risk<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x236 y690f w98e h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Forward foreign exchange contract<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1249 y690f w98f h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">10,268<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x124a y690f w94b h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">124<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x124b y690f w94c h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">34<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x124c y690f w144 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(5)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x124d y690f w4ad h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(4)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x124e y690f w471 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(1)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x236 y68fd w990 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Cross currency swaps<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x124f y68fd w94e h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">3,904<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1250 y68fd w27b h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">86<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1251 y68fd wac h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">22<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1252 y68fd wfa h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(377)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x97b y68fd w2cc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(379)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1253 y68fd w991 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6910 w969 h203\"><div class=\"t m0 x1ed h3d y655f ff5 fs5 fc3 sc0 ls5 ws5\">Total as at 31 December 2025<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1254 y6910 w992 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">77,419<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1255 y6910 w993 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">510<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1256 y6910 w3e5 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">134<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1257 y6910 w1e5 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">30<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1258 y6910 w74 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">21<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1259 y6910 w4b0 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">9<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x235 h8 y6911 ff5 fs5 fc3 sc0 ls5 ws5\">Interest rate risk<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x236 y6562 w93d h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Interest rate swaps<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x125a y6562 w994 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">49,309<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x125b y6562 w995 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">165<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x125c y6562 w949 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">282<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x125d y6562 w996 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(131)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x125e y6562 w997 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(125)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x125f y6562 w4c8 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(6)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x235 h8 y6912 ff5 fs5 fc3 sc0 ls5 ws5\">Currency risk<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x236 y6577 w98e h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Forward foreign exchange contract<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1260 y6577 w350 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">9,193<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1261 y6577 w998 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">609<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1262 y6577 w41a h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1263 y6577 w4dc h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">45<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1264 y6577 w4cc h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">45<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1265 y6577 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x236 y6566 w990 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Cross currency swaps<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1266 y6566 w94f h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">14,305<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1267 y6566 w999 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">729<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1268 y6566 w4da h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1269 y6566 w406 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">650<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x126a y6566 w99a h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">648<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x126b y6566 w4da h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6567 w96e h203\"><div class=\"t m0 x1ed h1a y65de ff5 fs5 fc3 sc0 ls5 ws5\">Total as at 31 December 2024<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x126c y6567 w99b h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">72,807<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x126d y6567 w96c h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">1,503<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x126e y6567 w8cd h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">285<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x126f y6567 w99c h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">564<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1270 y6567 w37d h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">568<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1271 y6567 w99d h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(4)<span class=\"_ _3eb\"> </span></div></td></tr></table></div><div class=\"t m0 hb ff1 fs7 fc3 sc0 ls7 ws7 gs5bf\">1 <span class=\"_ _b\"> </span><span class=\"ff4\">This represents a gain/(loss) change in fair value used for calculating hedge ineffectiveness.<span class=\"_ _3eb\"> </span></span></div><div class=\"t m0 hc ff7 fs8 fc2 sc0 ls8 wsb gs5c0\">Hedged items in <span class=\"_ _7\"></span>cash flow <span class=\"_ _7\"></span>hedges<span class=\"_ _3eb\"> </span></div><div class=\"gs5c1\"><table class=\"s w99e h266\" id=\"_5d3155da-a18f-43c7-becb-730986155029\"><tr><td></td><td></td><td class=\"c n x86a y6913 w306 h204\"><div class=\"t m0 x1ed h38 y6563 ff5 fs17 fc0 sc0 ls21 ws20\">2025<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td class=\"c n x86b y6913 w46b h205\"><div class=\"t m0 x1ed h38 y6563 ff1 fs17 fc3 sc0 ls21 ws20\">2024<span class=\"_ _3eb\"> </span></div></td><td></td></tr><tr><td></td><td></td><td></td><td class=\"t m0 x1272 h38 y6914 ff5 fs17 fc0 sc0 ls21 ws20\">Cumulative </td><td></td><td></td><td class=\"t m0 x123d h39 y6914 ff1 fs17 fc3 sc0 ls21 ws20\">Cumulative </td></tr><tr><td></td><td></td><td></td><td class=\"t m0 x1273 h38 y6915 ff5 fs17 fc0 sc0 ls21 ws20\">balance in<span class=\"_ gs40f\"> </span>the </td><td></td><td></td><td class=\"t m0 x2e3 h2c y6915 ff4 fs17 fc3 sc0 ls21 ws20\">balance in<span class=\"_ gs490\"> </span>the </td></tr><tr><td></td><td></td><td></td><td class=\"t m0 x1274 h38 y6916 ff5 fs17 fc0 sc0 ls21 ws20\">cash flow hedge </td><td></td><td></td><td class=\"t m0 x2fc h39 y6916 ff1 fs17 fc3 sc0 ls21 ws0\">cash flow hedge </td></tr><tr><td></td><td class=\"t m0 x1275 h38 y6917 ff5 fs17 fc0 sc0 ls21 ws20\">Change in fair </td><td></td><td class=\"t m0 x1276 h38 y6917 ff5 fs17 fc0 sc0 ls21 ws20\">reserve from </td><td class=\"t m0 x4ad h39 y6917 ff1 fs17 fc3 sc0 ls21 ws0\">Change in fair </td><td></td><td class=\"t m0 x1277 h39 y6917 ff1 fs17 fc3 sc0 ls21 ws0\">reserve from </td></tr><tr><td></td><td class=\"t m0 x1278 h38 y6918 ff5 fs17 fc0 sc0 ls21 ws20\">value used for </td><td></td><td class=\"t m0 x1279 h38 y6918 ff5 fs17 fc0 sc0 ls21 ws20\">de-designated </td><td class=\"t m0 x4ad h39 y6918 ff1 fs17 fc3 sc0 ls21 ws0\">value used for </td><td></td><td class=\"t m0 x123c h39 y6918 ff1 fs17 fc3 sc0 ls21 ws20\">de-designated </td></tr><tr><td></td><td class=\"t m0 x127a h38 y6919 ff5 fs17 fc0 sc0 ls21 ws20\">calculating hedge<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xc27 h38 y6919 ff5 fs17 fc0 sc0 ls21 ws20\">Cash flow hedge </td><td class=\"t m0 x2e6 h38 y6919 ff5 fs17 fc0 sc0 ls21 ws20\">hedge </td><td class=\"t m0 x127b h39 y6919 ff1 fs17 fc3 sc0 ls21 ws0\">calculating hedge<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x127c h39 y6919 ff1 fs17 fc3 sc0 ls21 ws0\">Cash flow hedge </td><td class=\"t m0 x2fd h39 y6919 ff1 fs17 fc3 sc0 ls21 ws20\">hedge </td></tr><tr><td></td><td class=\"c x127e y691a w99f h262\"><div class=\"t m0 x1ed h38 y6563 ff5 fs17 fc0 sc0 ls21 ws20\">ineffectiveness</div><div class=\"t m0 x127d ha7 y68e2 ff5 fs19 fc0 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x2d9 h38 y691b ff5 fs17 fc0 sc0 ls21 ws20\">reserve<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x670 h38 y691b ff5 fs17 fc0 sc0 ls21 ws20\">relationships<span class=\"_ _3eb\"> </span></td><td class=\"c x1242 y691d w9a0 h204\"><div class=\"t m0 x1ed h2c y6696 ff4 fs17 fc3 sc0 ls21 ws20\">ineffectiveness</div><div class=\"t m0 x1241 h3a y691c ff1 fs19 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x127f h39 y691b ff1 fs17 fc3 sc0 ls21 ws20\">reserve<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1280 h2c y691b ff4 fs17 fc3 sc0 ls21 ws20\">relationships<span class=\"_ _3eb\"> </span></td></tr><tr><td></td><td class=\"t m0 x2f7 h38 y691e ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x2c9 h38 y691e ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x4be h38 y691e ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x2fa h2c y691e ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x233 h2c y691e ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x234 h2c y691e ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c n x1ee y6561 wf5 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Customer accounts<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1281 y6561 w9a1 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">122<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1282 y6561 w298 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(1)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1283 y6561 w947 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">78<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1284 y6561 w9a2 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(199)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1285 y6561 w9a3 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(38)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1286 y6561 w9a4 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">104<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6562 w97b h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">Debt securities and other eligible bills<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1287 y6562 w9a1 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">122<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1288 y6562 w47b h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">4<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1289 y6562 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x128a y6562 w9a5 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(354)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x128b y6562 w7aa h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(10)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x128c y6562 w4db h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(5)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6610 wcb h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Loans and advances to customers<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x128d y6610 w285 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(379)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x128e y6610 w5de h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">243<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x128f y6610 w473 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">61<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1290 y6610 w8ca h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">124<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1291 y6610 w3cd h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(27)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1292 y6610 w47e h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(7)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6577 w9a6 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Intragroup lending currency hedge<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1293 y6577 w9a7 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">38<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1294 y6577 w2f0 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1295 y6577 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1296 y6577 w49b h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(55)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1297 y6577 w9a8 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(2)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11dc y6577 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6566 w9a9 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Intragroup borrowing currency hedge<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1298 y6566 w7d9 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">76<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1299 y6566 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x129a y6566 w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x129b y6566 w9aa h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(84)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x129c y6566 w3c h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls0 ws0\">4<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1218 y6566 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6567 w9ab h203\"><div class=\"t m0 x1ed h3d y655f ff5 fs5 fc3 sc0 ls5 ws5\">Total as at 31 December<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x129d y6567 w266 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(21)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x129e y6567 w9ac h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">248<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x129f y6567 w15f h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">139<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x12a0 y6567 w9ad h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(568)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x12a1 y6567 w2b3 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(73)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x12a2 y6567 w9ae h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">92<span class=\"_ _3eb\"> </span></div></td></tr></table></div><div class=\"t m0 hb ff1 fs7 fc3 sc0 ls7 ws7 gs5c2\">1 <span class=\"_ _b\"> </span><span class=\"ff4\">This represents a gain/(loss) change in fair value used for calculating hedge ineffectiveness.<span class=\"_ _3eb\"> </span></span></div><div class=\"t m0 hc ff7 fs8 fc2 sc0 ls8 wsb gs5c4\">Impact of cash <span class=\"_ _7\"></span>flow hedges <span class=\"_ _7\"></span>on profit and <span class=\"_ _7\"></span>loss and <span class=\"_ _7\"></span>other comprehensive income<span class=\"_ _3eb\"> </span></div><div class=\"gs5c5\"><table class=\"s w9af h267\" id=\"_6cf25a92-b420-4bc7-a513-deeda80b92c0\"><tr><td></td><td class=\"t m0 x1e8 h38 y691f ff5 fs17 fc0 sc0 ls21 ws20\">2025<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1e9 h39 y691f ff1 fs17 fc3 sc0 ls21 ws20\">2024<span class=\"_ _3eb\"> </span></td></tr><tr><td></td><td class=\"t m0 x1eb h38 y6920 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1ec h2c y6920 ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c n x1ee y65f5 w9b0 h1fe\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Cash flow hedge reserve balance as at 1 January<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x12a3 y65f5 w4a0 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">4<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x12a4 y65f5 w2b4 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">91<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x221 h3b y6921 ff1 fs5 fc3 sc0 ls5 ws0\">Gain recognised in other comprehensive income on effective portion of changes in fair value </td><td></td><td></td></tr><tr><td class=\"c n x1ee y6610 w9b1 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">of<span class=\"_ gs1a1\"> </span>hedging<span class=\"_ gs1a1\"> </span>instruments<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x12a5 y6610 w9b2 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">21<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x12a6 y6610 w117 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">568<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6577 w9b3 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">Loss/(Gain) reclassified to income statement when hedged <span class=\"_ _7\"></span>item affected net profit<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x12a7 y6577 w9b4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">347<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x12a8 y6577 w9b5 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(669)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6566 w9b6 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Taxation charge relating to cash flow hedges<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x12a9 y6566 w484 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(57)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x12aa y6566 w9e h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">14<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6567 w9b7 h201\"><div class=\"t m0 x1ed h3d y6548 ff5 fs5 fc3 sc0 ls5 ws5\">Cash flow hedge reserve balance as at <span class=\"_ _7\"></span>31 December<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x12ab y6567 w3ed h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">315<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x12ac y6567 w3c h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls0 ws0\">4<span class=\"_ _3eb\"> </span></div></td></tr></table></div><div class=\"t m0 hc ff6 fs8 fc2 sc0 ls8 ws0 gs5c6\">Net investment hedges<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs5c7\">Foreign currency exposures arise from investments <span class=\"_ _7\"></span>in subsidiaries that have a different functional <span class=\"_ _7\"></span>currency from that of the </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs5c8\">presentation currency of the parent. This <span class=\"_ _7\"></span>risk arises from the fluctuation in spot <span class=\"_ _7\"></span>exchange rates between the functional currency </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs5c9\">of the subsidiaries and the parent\u2019s <span class=\"_ _7\"></span>functional currency, which causes the value of <span class=\"_ _7\"></span>the investment to vary.<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs5ca\">The Group\u2019s policy is to hedge <span class=\"_ _7\"></span>these exposures only when not doing so <span class=\"_ _7\"></span>would be expected to have a <span class=\"_ _7\"></span>significant impact on the </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs5cb\">regulatory ratios of the Group and <span class=\"_ _7\"></span>its banking subsidiaries. The Group uses foreign <span class=\"_ _7\"></span>exchange forwards to manage the effect </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs5cc\">of<span class=\"_ gs36\"> </span>exchange rates on its net investments <span class=\"_ _7\"></span>in foreign subsidiaries.<span class=\"_ _3eb\"> </span></div><div class=\"gs5cd\"><table class=\"s w9b8 h268\" id=\"_7c15c6b1-3cc7-4b2d-b21c-17a3aaff89db\"><tr><td></td><td></td><td></td><td></td><td class=\"c n x12ad y6922 w9b9 h215\"><div class=\"t m0 x1ed h38 y6563 ff5 fs17 fc0 sc0 ls21 ws20\">Changes in the<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"t m0 x1201 h38 y6923 ff5 fs17 fc0 sc0 ls21 ws20\">Carrying Amount<span class=\"_ _3eb\"> </span></td><td></td><td class=\"c x12af y6924 w9ba h215\"><div class=\"t m0 x1ed h38 y6563 ff5 fs17 fc0 sc0 ls21 ws20\">Change in fair<span class=\"_ _3eb\"> </span></div><div class=\"t m0 x12ae h38 y6563 ff5 fs17 fc0 sc0 ls21 ws20\">value of the<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"c n x12b0 y6925 w974 h215\"><div class=\"t m0 x1ed h38 y6563 ff5 fs17 fc0 sc0 ls21 ws20\">value used to<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x8b9 h38 y6926 ff5 fs17 fc0 sc0 ls21 ws20\">hedging </td><td class=\"t m0 x607 h38 y6926 ff5 fs17 fc0 sc0 ls21 ws20\">Ineffectiveness </td><td class=\"t m0 x12b1 h38 y6926 ff5 fs17 fc0 sc0 ls21 ws20\">Amount </td></tr><tr><td></td><td></td><td></td><td></td><td class=\"c n x12b2 y6927 w975 h215\"><div class=\"t m0 x1ed h38 y6563 ff5 fs17 fc0 sc0 ls21 ws20\">calculate hedge<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x12b3 h38 y6928 ff5 fs17 fc0 sc0 ls21 ws20\">instrument </td><td class=\"t m0 x9d3 h38 y6928 ff5 fs17 fc0 sc0 ls21 ws20\">recognised in </td><td class=\"t m0 x12b4 h38 y6928 ff5 fs17 fc0 sc0 ls21 ws20\">reclassified from </td></tr><tr><td class=\"t m0 x221 h38 y6929 ff5 fs17 fc3 sc0 ls21 ws20\">Derivative forward </td><td class=\"t m0 x12b5 h38 y6929 ff5 fs17 fc0 sc0 ls21 ws20\">Notional <span class=\"ff2 ls0 ws0\"> </span></td><td class=\"t m0 x8f6 h38 y6929 ff5 fs17 fc0 sc0 ls21 ws20\">Asset <span class=\"ff2 ls0 ws0\"> </span></td><td class=\"t m0 x1206 h38 y6929 ff5 fs17 fc0 sc0 ls21 ws20\">Liability<span class=\"ff2 ls0 ws0\"> </span></td><td class=\"c x12b7 y692a w9bb h21b\"><div class=\"t m0 x1ed h38 y6563 ff5 fs17 fc0 sc0 ls21 ws20\">ineffectiveness</div><div class=\"t m0 x12b6 ha7 y65fd ff5 fs19 fc0 sc0 ls0 ws0\">2</div></td><td class=\"t m0 xf45 h38 y6929 ff5 fs17 fc0 sc0 ls21 ws20\">recognised in OCI<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xdec h38 y6929 ff5 fs17 fc0 sc0 ls21 ws20\">profit or loss<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x9d0 h38 y6929 ff5 fs17 fc0 sc0 ls21 ws20\">reserves to income<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c x1ee y692b w9bc h262\"><div class=\"t m0 x1ed h38 y6563 ff5 fs17 fc3 sc0 ls21 ws20\">currency<span class=\"_ gs40f\"> </span>contracts</div><div class=\"t m0 x12b8 ha7 y68e2 ff5 fs19 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x12b9 h38 y692c ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x8f9 h38 y692c ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x8bc h38 y692c ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"c n x823 y692b w173 h215\"><div class=\"t m0 x1ed h38 y6563 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x405 h38 y692c ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1eb h38 y692c ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1ec h38 y692c ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c n x1ee y662c w9bd h201\"><div class=\"t m0 x1ed h3d y6548 ff5 fs5 fc3 sc0 ls5 ws5\">As at 31 December 2025<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x12ba y662c w413 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">17,155<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x12bb y662c w9be h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">440<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x12bc y662c w1e6 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">23<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x12bd y662c w9f h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">129<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x12be y662c w33b h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">129<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x12bf y662c w1cf h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x12c0 y662c w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6567 w9bf h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">As at 31 December 2024<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x12c1 y6567 w6fb h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">14,137<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x12c2 y6567 w9c0 h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">300<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x12c3 y6567 w9c1 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">7<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x12c4 y6567 wa0 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">678<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x12c5 y6567 wa0 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">678<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x960 y6567 w1cf h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x12c6 y6567 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr></table></div><div class=\"t m0 hb ff1 fs7 fc3 sc0 ls7 ws7 gs5ce\">1 <span class=\"_ _b\"> </span><span class=\"ff4\">These derivative forward currency contracts have a maturity of less than one year. <span class=\"_ _7\"></span>The hedges are rolled on a periodic basis.<span class=\"_ _3eb\"> </span></span></div><div class=\"t m0 hb ff1 fs7 fc3 sc0 ls7 ws7 gs5cf\">2 <span class=\"_ _f\"> </span><span class=\"ff4\">This represents a gain/(loss) change in fair value used for calculating hedge <span class=\"_ _7\"></span>ineffectiveness.<span class=\"_ _3eb\"> </span></span></div><div class=\"t m0 hc ff6 fs8 fc2 sc0 ls8 ws0 gs5d0\">Hedged items in net investment hedges<span class=\"_ _3eb\"> </span></div><div class=\"gs5d1\"><table class=\"s w9c2 h269\" id=\"_9b8e66e6-999b-4031-9b49-282e8bf3522a\"><tr><td></td><td></td><td class=\"c n x113c y692d w306 h204\"><div class=\"t m0 x1ed h38 y6563 ff5 fs17 fc0 sc0 ls21 ws20\">2025<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td class=\"c n x113d y692d w46b h205\"><div class=\"t m0 x1ed h38 y6563 ff1 fs17 fc3 sc0 ls21 ws20\">2024<span class=\"_ _3eb\"> </span></div></td><td></td></tr><tr><td></td><td></td><td></td><td class=\"t m0 x12c7 h38 y692e ff5 fs17 fc0 sc0 ls21 ws20\">Balances </td><td></td><td></td><td class=\"t m0 x12c8 h39 y692e ff1 fs17 fc3 sc0 ls21 ws20\">Balances </td></tr><tr><td></td><td></td><td></td><td class=\"t m0 x9cd h38 y692f ff5 fs17 fc0 sc0 ls21 ws20\">remaining in the </td><td></td><td></td><td class=\"t m0 x12b4 h2c y692f ff4 fs17 fc3 sc0 ls21 ws20\">remaining in the </td></tr><tr><td></td><td></td><td></td><td class=\"t m0 x12c9 h38 y6930 ff5 fs17 fc0 sc0 ls21 ws20\">translation reserve </td><td></td><td></td><td class=\"t m0 x9d0 h39 y6930 ff1 fs17 fc3 sc0 ls21 ws0\">translation reserve </td></tr><tr><td></td><td></td><td></td><td class=\"t m0 x60f h38 y6931 ff5 fs17 fc0 sc0 ls21 ws20\">from hedging </td><td></td><td></td><td class=\"t m0 x12ca h39 y6931 ff1 fs17 fc3 sc0 ls21 ws0\">from hedging </td></tr><tr><td></td><td class=\"t m0 xf43 h38 y6932 ff5 fs17 fc0 sc0 ls21 ws20\">Change in fair </td><td></td><td class=\"t m0 x9cd h38 y6932 ff5 fs17 fc0 sc0 ls21 ws20\">relationships for </td><td class=\"t m0 x12cb h39 y6932 ff1 fs17 fc3 sc0 ls21 ws0\">Change in the </td><td></td><td class=\"t m0 x12cc h2c y6932 ff4 fs17 fc3 sc0 ls21 ws20\">relationships for </td></tr><tr><td></td><td class=\"t m0 xf43 h38 y6933 ff5 fs17 fc0 sc0 ls21 ws20\">value used for </td><td></td><td class=\"t m0 x9cb h38 y6933 ff5 fs17 fc0 sc0 ls21 ws20\">which hedge </td><td class=\"t m0 x12cd h39 y6933 ff1 fs17 fc3 sc0 ls21 ws0\">value used for </td><td></td><td class=\"t m0 x11c3 h39 y6933 ff1 fs17 fc3 sc0 ls21 ws0\">which hedge </td></tr><tr><td></td><td class=\"t m0 x12ce h38 y6934 ff5 fs17 fc0 sc0 ls21 ws20\">calculating hedge<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x10c2 h38 y6934 ff5 fs17 fc0 sc0 ls21 ws20\">Translation<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x9cd h38 y6934 ff2 fs17 fc0 sc0 ls21 ws0\">accounting is no </td><td class=\"t m0 xf48 h39 y6934 ff1 fs17 fc3 sc0 ls21 ws0\">calculating hedge<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x10c3 h39 y6934 ff1 fs17 fc3 sc0 ls21 ws20\">Translation<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x12b4 h39 y6934 ff1 fs17 fc3 sc0 ls21 ws0\">accounting is no </td></tr><tr><td></td><td class=\"c x12d0 y6935 w9c3 h262\"><div class=\"t m0 x1ed h38 y6563 ff5 fs17 fc0 sc0 ls21 ws20\">ineffectiveness</div><div class=\"t m0 x12cf ha7 y68e2 ff5 fs19 fc0 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c x12d2 y6935 w9c4 h262\"><div class=\"t m0 x1ed h38 y6563 ff5 fs17 fc0 sc0 ls21 ws20\">reserve</div><div class=\"t m0 x12d1 ha7 y68e2 ff5 fs19 fc0 sc0 ls0 ws0\">2</div></td><td class=\"t m0 x12d3 h38 y6936 ff5 fs17 fc0 sc0 ls21 ws20\">longer applied<span class=\"_ _3eb\"> </span></td><td class=\"c x12ad y6937 w9c5 h204\"><div class=\"t m0 x1ed h2c y6696 ff4 fs17 fc3 sc0 ls21 ws20\">ineffectiveness</div><div class=\"t m0 x12d4 h3a y691c ff1 fs19 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c x12d6 y6939 w9c6 h26a\"><div class=\"t m0 x1ed h39 y6632 ff1 fs17 fc3 sc0 ls21 ws20\">reserve</div><div class=\"t m0 x12d5 h3a y6938 ff1 fs19 fc3 sc0 ls0 ws0\">2</div></td><td class=\"t m0 x12d7 h39 y6936 ff1 fs17 fc3 sc0 ls21 ws0\">longer applied<span class=\"_ _3eb\"> </span></td></tr><tr><td></td><td class=\"t m0 x8f9 h38 y693a ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x8bc h38 y693a ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x404 h38 y693a ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x405 h2c y693a ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x8fa h2c y693a ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1ec h2c y693a ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c n x1ee y68ca w9c7 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Net investments<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x12d8 y68ca w5a6 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(129)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x12d9 y68ca w1a3 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">417<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x12da y68ca w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x12db y68ca w9c8 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(678)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x12dc y68ca wee h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">293<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x12dd y68ca w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr></table></div><div class=\"t m0 hb ff1 fs7 fc3 sc0 ls7 ws7 gs5d2\">1 <span class=\"_ _b\"> </span><span class=\"ff4\">This represents a gain/(loss) change in fair value used for calculating hedge ineffectiveness.<span class=\"_ _3eb\"> </span></span></div><div class=\"t m0 hb ff1 fs7 fc3 sc0 ls7 ws7 gs5d3\">2 <span class=\"_ _f\"> </span><span class=\"ff4\">This represents the mark-to-market including accrued interest on live hedges at 31 <span class=\"_ _7\"></span>December.<span class=\"_ _3eb\"> </span></span></div><div class=\"t m0 hc ff6 fs8 fc2 sc0 ls8 ws0 gs5d4\">Impact of net investment hedges on other comprehensive income<span class=\"_ _3eb\"> </span></div><div class=\"gs5d5\"><table class=\"s w9c9 h26b\" id=\"_de9c35b0-f7b7-4900-b91a-1b6c8ec0abca\"><tr><td></td><td class=\"t m0 x1e8 h38 y693b ff5 fs17 fc0 sc0 ls21 ws20\">2025<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1e9 h39 y693b ff1 fs17 fc3 sc0 ls21 ws20\">2024<span class=\"_ _3eb\"> </span></td></tr><tr><td></td><td class=\"t m0 x1eb h38 y693c ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1ec h2c y693c ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c n x1ee y68ca w9ca h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Gains recognised in other comprehensive income<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x12de y68ca w9f h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">129<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x12df y68ca w9cb h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">678<span class=\"_ _3eb\"> </span></div></td></tr></table></div>Maturity of hedging instruments<span class=\"_ _3eb\"> </span><table class=\"s w9cc h26c\" id=\"_ec2c5aa9-b400-44e4-bf56-d5fd6b9972e4\"><tr><td></td><td></td><td></td><td class=\"c n x86a y693d w306 h215\"><div class=\"t m0 x1ed h38 y6563 ff5 fs17 fc0 sc0 ls21 ws20\">2025<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td></td><td class=\"c n x86b y693d w46b h205\"><div class=\"t m0 x1ed h38 y6563 ff1 fs17 fc3 sc0 ls21 ws20\">2024<span class=\"_ _3eb\"> </span></div></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td class=\"t m0 x12e0 h38 y693e ff5 fs17 fc0 sc0 ls21 ws20\">More than </td><td></td><td></td><td></td><td class=\"t m0 x4af h39 y693e ff1 fs17 fc3 sc0 ls21 ws0\">More than </td><td></td><td></td></tr><tr><td></td><td></td><td></td><td class=\"t m0 x12e1 h38 y693f ff5 fs17 fc0 sc0 ls21 ws20\">one month </td><td></td><td></td><td></td><td class=\"t m0 x4ae h39 y693f ff1 fs17 fc3 sc0 ls21 ws0\">one month </td><td></td><td></td></tr><tr><td></td><td></td><td class=\"t m0 x12e2 h38 y6940 ff5 fs17 fc0 sc0 ls21 ws20\">Less than<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x12e3 h38 y6940 ff5 fs17 fc0 sc0 ls21 ws20\">and less than </td><td class=\"t m0 x12e4 h38 y6940 ff5 fs17 fc0 sc0 ls21 ws20\">One to five </td><td class=\"t m0 x6c3 h38 y6940 ff5 fs17 fc0 sc0 ls21 ws20\">More than </td><td class=\"t m0 xad6 h39 y6940 ff1 fs17 fc3 sc0 ls21 ws0\">Less than<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x12e5 h39 y6940 ff1 fs17 fc3 sc0 ls21 ws0\">and less than </td><td class=\"t m0 x2dc h39 y6940 ff1 fs17 fc3 sc0 ls21 ws0\">One to five </td><td class=\"t m0 xe32 h39 y6940 ff1 fs17 fc3 sc0 ls21 ws0\">More than </td></tr><tr><td class=\"t m0 x235 h38 y6941 ff5 fs17 fc3 sc0 ls21 ws20\">Fair value hedges<span class=\"_ _3eb\"> </span></td><td></td><td class=\"t m0 x2d0 h38 y6941 ff5 fs17 fc0 sc0 ls21 ws20\">one month<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x666 h38 y6941 ff5 fs17 fc0 sc0 ls21 ws20\">one year<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x12e6 h38 y6941 ff5 fs17 fc0 sc0 ls21 ws20\">years </td><td class=\"t m0 x12e7 h38 y6941 ff5 fs17 fc0 sc0 ls21 ws20\">five years<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x2e7 h39 y6941 ff1 fs17 fc3 sc0 ls21 ws0\">one month<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x12e8 h39 y6941 ff1 fs17 fc3 sc0 ls21 ws0\">one year<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x12e9 h39 y6941 ff1 fs17 fc3 sc0 ls21 ws20\">years </td><td class=\"t m0 x4bb h39 y6941 ff1 fs17 fc3 sc0 ls21 ws0\">five years<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"t m0 x235 h8 y6942 ff5 fs5 fc3 sc0 ls5 ws5\">Interest rate swap<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x236 y6943 w9cd h1fe\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">Notional<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x12ea y6943 w9ce h1ff\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">$million<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x12eb y6943 w9cf h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">1,820<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x12ec y6943 w5b h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">9,387<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x12ed y6943 w7dc h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">35,179<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x12ee y6943 w2e5 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">16,244<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x12ef y6943 w9d0 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">2,763<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x12f0 y6943 w763 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">11,260<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x12f1 y6943 w9d1 h1fe\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">32,030<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x12f2 y6943 w7c9 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">17,787<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x235 h8 y6944 ff5 fs5 fc3 sc0 ls5 ws5\">Cross currency swap<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x236 y6945 w9cd h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">Notional<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x12ea y6945 w9ce h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">$million<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x12f3 y6945 w2bc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x12f4 y6945 w2bc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x12f5 y6945 w7d h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">1,954<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x12f6 y6945 w1cf h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x12f7 y6945 w1cf h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x12f8 y6945 w1cf h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x12f9 y6945 w750 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">1,035<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x12fa y6945 w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x247 h3b y6946 ff1 fs5 fc3 sc0 ls5 ws0\">Average fixed interest rate </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x236 y6947 w9d2 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(to USD) (%)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x12fb y6947 w9d3 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">EUR<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x12fc y6947 w2bc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x12fd y6947 w2bc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x12fe y6947 w9d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff7 fs5 fc3 sc0 ls5 ws5\">2.26<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x12ff y6947 w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1300 y6947 w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1301 y6947 w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1302 y6947 w9d5 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">2.40<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1303 y6947 w1cf h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x236 y6948 w9d6 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Average exchange rate<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1304 y6948 w9d7 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">EUR/USD<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1305 y6948 w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1306 y6948 w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1307 y6948 w9d8 h201\"><div class=\"t m0 x1ed h3d y6548 ff7 fs5 fc3 sc0 ls5 ws5\">0.89<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1308 y6948 w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1309 y6948 w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x130a y6948 w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x130b y6948 w9d9 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">0.91<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x130c y6948 w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x235 h8 y6949 ff5 fs5 fc3 sc0 ls5 ws5\">Cash flow hedges<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m0 x235 h8 y694a ff5 fs5 fc3 sc0 ls5 ws5\">Interest rate swap<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x236 y694b w9cd h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">Notional<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x12ea y694b w9ce h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">$million<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x12eb y694b w1e3 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">1,544<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x130d y694b w9da h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">17,021<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x130e y694b w34d h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">41,054<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x130f y694b w9db h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">3,628<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1310 y694b w60 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">2,428<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1311 y694b w2f3 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">15,589<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1312 y694b w9dc h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">25,943<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1313 y694b w9dd h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">5,349<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x247 h3b y694c ff1 fs5 fc3 sc0 ls5 ws0\">Average fixed interest rate </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x236 y694d w9de h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(%)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1314 y694d w62b h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">USD<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1315 y694d w542 h201\"><div class=\"t m0 x1ed h3d y6548 ff7 fs5 fc3 sc0 ls5 ws5\">4.09<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1316 y694d w542 h201\"><div class=\"t m0 x1ed h3d y6548 ff7 fs5 fc3 sc0 ls5 ws5\">4.09<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1317 y694d w9df h201\"><div class=\"t m0 x1ed h3d y6548 ff7 fs5 fc3 sc0 ls5 ws5\">3.61<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1318 y694d w9e0 h201\"><div class=\"t m0 x1ed h3d y6548 ff7 fs5 fc3 sc0 ls5 ws5\">3.69<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1319 y694d w9e1 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">5.09<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x131a y694d w9e2 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">4.62<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x131b y694d w9e3 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">4.05<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x131c y694d w9e4 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">3.74<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x235 h8 y694e ff5 fs5 fc3 sc0 ls5 ws5\">Cross currency swap<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x236 y694f w9cd h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">Notional<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x12ea y694f w9ce h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">$million<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x131d y694f w8b7 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">622<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x131e y694f w9e5 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">2,568<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x131f y694f w1a3 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">714<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1320 y694f w1cf h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1321 y694f w9e6 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">880<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1322 y694f w9e7 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">12,232<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1323 y694f w9e8 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">1,193<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1303 y694f w1cf h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x247 h3b y6950 ff1 fs5 fc3 sc0 ls5 ws0\">Average fixed interest rate </td><td class=\"c n x1324 y6951 w96a h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">HKD<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1325 y6951 w9e9 h203\"><div class=\"t m0 x1ed h3d y655f ff7 fs5 fc3 sc0 ls5 ws5\">4.11<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1326 y6951 w9ea h203\"><div class=\"t m0 x1ed h3d y655f ff7 fs5 fc3 sc0 ls5 ws5\">3.14<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1327 y6951 w9eb h203\"><div class=\"t m0 x1ed h3d y655f ff7 fs5 fc3 sc0 ls5 ws5\">0.21<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1328 y6951 w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1329 y6951 w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x132a y6951 w9ec h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">4.07<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x132b y6951 w9ed h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">0.21<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x132c y6951 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x247 h1a y6952 ff4 fs5 fc3 sc0 ls5 ws5\">(%)<span class=\"_ _3eb\"> </span></td><td class=\"c n x1324 y6953 w6a3 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">KRO<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x132d y6953 w9d4 h203\"><div class=\"t m0 x1ed h3d y655f ff7 fs5 fc3 sc0 ls5 ws5\">2.62<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x132e y6953 w66b h203\"><div class=\"t m0 x1ed h3d y655f ff7 fs5 fc3 sc0 ls5 ws5\">2.44<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x132f y6953 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1330 y6953 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1331 y6953 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1332 y6953 w3ac h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">2.85<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1333 y6953 w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1334 y6953 w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td class=\"c n x1324 y6954 w9ee h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">JPY/HKD<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1335 y6954 w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1336 y6954 w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1337 y6954 w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1338 y6954 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1339 y6954 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x133a y6954 w9ef h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(0.05)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x133b y6954 w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x133c y6954 w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td class=\"c n x1324 y6955 w9f0 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">TWO<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x133d y6955 w9f1 h203\"><div class=\"t m0 x1ed h3d y655f ff7 fs5 fc3 sc0 ls5 ws5\">1.07<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x133e y6955 w9f2 h203\"><div class=\"t m0 x1ed h3d y655f ff7 fs5 fc3 sc0 ls5 ws5\">1.35<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x133f y6955 w9f3 h203\"><div class=\"t m0 x1ed h3d y655f ff7 fs5 fc3 sc0 ls5 ws5\">1.38<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1340 y6955 w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1341 y6955 w9f4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">0.53<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1342 y6955 we7 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">1.04<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1343 y6955 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1344 y6955 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td class=\"c n x1324 y6956 w9f5 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">CNO<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1345 y6956 w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1346 y6956 w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1347 y6956 w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1348 y6956 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1349 y6956 w9f6 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">2.45<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x134a y6956 w361 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">1.54<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x134b y6956 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x134c y6956 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td class=\"c n x1324 y6957 w5cf h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">JPY<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1345 y6957 w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1346 y6957 w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1347 y6957 w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1348 y6957 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1349 y6957 w469 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">0.01<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x134d y6957 w9f7 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">0.08<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x134e y6957 w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x134f y6957 w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x236 y6958 w9d6 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Average exchange rate<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1304 y6958 w9f8 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">HKD/USD<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1350 y6958 w3a4 h203\"><div class=\"t m0 x1ed h3d y655f ff7 fs5 fc3 sc0 ls5 ws5\">7.77<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1351 y6958 w9f9 h203\"><div class=\"t m0 x1ed h3d y655f ff7 fs5 fc3 sc0 ls5 ws5\">7.78<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1352 y6958 w9fa h203\"><div class=\"t m0 x1ed h3d y655f ff7 fs5 fc3 sc0 ls5 ws5\">7.85<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1353 y6958 w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1354 y6958 w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1355 y6958 w109 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">7.78<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1356 y6958 wb9 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">7.85<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1357 y6958 w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td class=\"c n x1324 y6959 w9fb h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">KRO/USD<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1358 y6959 w9fc h203\"><div class=\"t m0 x1ed h3d y655f ff7 fs5 fc3 sc0 ls5 ws5\">1,454.00<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1359 y6959 w9fd h203\"><div class=\"t m0 x1ed h3d y655f ff7 fs5 fc3 sc0 ls5 ws5\">1,446.78<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x135a y6959 w9fe h203\"><div class=\"t m0 x1ed h3d y655f ff7 fs5 fc3 sc0 ls5 ws5\">1,300.90<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x135b y6959 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x135c y6959 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x135d y6959 w1c5 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">1,386.94<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x135e y6959 w9ff h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">1,300.90<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x135f y6959 w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td class=\"c n x1324 y695a wa00 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">TWO/USD<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1360 y695a wa01 h203\"><div class=\"t m0 x1ed h3d y655f ff7 fs5 fc3 sc0 ls5 ws5\">31.91<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1361 y695a wa02 h203\"><div class=\"t m0 x1ed h3d y655f ff7 fs5 fc3 sc0 ls5 ws5\">29.97<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1362 y695a wa03 h203\"><div class=\"t m0 x1ed h3d y655f ff7 fs5 fc3 sc0 ls5 ws5\">29.42<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1363 y695a w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1364 y695a w444 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">31.83<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1365 y695a w26c h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">32.22<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1366 y695a w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1367 y695a w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td class=\"c n x1324 y695b wa04 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">CNO/USD<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1368 y695b w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1369 y695b w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x136a y695b w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x136b y695b w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x136c y695b w2bf h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">7.18<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x136d y695b w408 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">7.20<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x136e y695b w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x136f y695b w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td class=\"c n x1324 y695c w9ee h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">JPY/HKD<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1335 y695c w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1336 y695c w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1337 y695c w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1338 y695c w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1339 y695c w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1370 y695c w4df h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">18.12<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1371 y695c w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1372 y695c w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x235 h8 y695d ff5 fs5 fc3 sc0 ls5 ws5\">Forward foreign exchange </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m0 x235 h8 y695e ff2 fs5 fc3 sc0 ls5 ws5\">contracts<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x236 y655a w9cd h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">Notional<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x12ea y655a w9ce h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">$million<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1373 y655a wa05 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">1,736<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x131e y655a w9db h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">8,236<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1374 y655a w397 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">296<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1375 y655a w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1376 y655a w71 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">2,044<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1377 y655a wa06 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">7,149<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1378 y655a w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1379 y655a w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x236 y655c w9d6 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Average exchange rate<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1304 y655c wa07 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">BRL/USD<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x137a y655c w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x137b y655c w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x137c y655c w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x137d y655c w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x137e y655c w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x137f y655c wa08 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">6.54<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1380 y655c w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1357 y655c w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td class=\"c n x1324 y655d w9f8 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">HKD/USD<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1381 y655d w3a4 h203\"><div class=\"t m0 x1ed h3d y655f ff7 fs5 fc3 sc0 ls5 ws5\">7.77<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1382 y655d w3a4 h203\"><div class=\"t m0 x1ed h3d y655f ff7 fs5 fc3 sc0 ls5 ws5\">7.77<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1383 y655d w9fa h203\"><div class=\"t m0 x1ed h3d y655f ff7 fs5 fc3 sc0 ls5 ws5\">7.85<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n x1384 y655d w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1385 y655d w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1386 y655d w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1387 y655d w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td class=\"c n x1324 y6573 wa09 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">JPY/USD<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1388 y6573 wa0a h203\"><div class=\"t m0 x1ed h3d y655f ff7 fs5 fc3 sc0 ls5 ws5\">153.02<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1389 y6573 w944 h203\"><div class=\"t m0 x1ed h3d y655f ff7 fs5 fc3 sc0 ls5 ws5\">148.53<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x138a y6573 w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x138b y6573 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x138c y6573 wa0b h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">147.38<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x138d y6573 wa0c h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">145.65<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x138e y6573 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x138f y6573 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x235 h8 y695f ff5 fs5 fc3 sc0 ls5 ws5\">Net investment hedges<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m0 x235 h8 y6960 ff5 fs5 fc3 sc0 ls5 ws5\">Foreign exchange derivatives<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x236 y6561 w9cd h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">Notional<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x12ea y6561 w9ce h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">$million<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1390 y6561 wa0d h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">17,126<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1391 y6561 w66 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">29<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1392 y6561 w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1393 y6561 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1394 y6561 w55d h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">14,137<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1395 y6561 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1396 y6561 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1397 y6561 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x236 y6610 w9d6 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Average exchange rate<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1304 y6610 wa0e h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">CNY/USD<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1398 y6610 wa0f h203\"><div class=\"t m0 x1ed h3d y655f ff7 fs5 fc3 sc0 ls5 ws5\">7.07<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1399 y6610 w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x139a y6610 w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x139b y6610 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x139c y6610 wa10 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">7.13<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x139d y6610 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x139e y6610 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x139f y6610 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td class=\"c n x1324 y6577 wa11 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">KRW/USD<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x13a0 y6577 wa12 h203\"><div class=\"t m0 x1ed h3d y655f ff7 fs5 fc3 sc0 ls5 ws5\">1,358.41<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x13a1 y6577 w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x13a2 y6577 w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x13a3 y6577 w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x13a4 y6577 wa13 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">1,364.97<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x13a5 y6577 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x13a6 y6577 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x13a7 y6577 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td class=\"c n x1324 y6566 w9f8 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">HKD/USD<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1381 y6566 w3a4 h203\"><div class=\"t m0 x1ed h3d y655f ff7 fs5 fc3 sc0 ls5 ws5\">7.77<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x13a8 y6566 w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x13a9 y6566 w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x13aa y6566 w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x13ab y6566 w386 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">7.77<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x13ac y6566 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x13ad y6566 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x13ae y6566 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td class=\"c n x1324 y6567 wa14 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">INR/USD<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x13af y6567 wa15 h203\"><div class=\"t m0 x1ed h3d y655f ff7 fs5 fc3 sc0 ls5 ws5\">86.63<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x13b0 y6567 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x13b1 y6567 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x13b2 y6567 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x13b3 y6567 w203 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">84.07<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x13b4 y6567 w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x13b5 y6567 w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x13b6 y6567 w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr></table>22. Debt securities <span class=\"_ _1b\"></span>in issue<span class=\"_ _3eb\"> </span>Accounting policy<span class=\"_ _3eb\"> </span>Refer to Note 13 Financial instruments <span class=\"_ _7\"></span>for the relevant accounting policy.<span class=\"_ _3eb\"> </span><table class=\"s wae8 h27a\" id=\"_7ff62e85-ec35-4ef8-a105-2d72e5e5b18e\"><tr><td></td><td></td><td class=\"c n x113c y69ae w306 h215\"><div class=\"t m0 x1ed h38 y6563 ff5 fs17 fc0 sc0 ls21 ws20\">2025<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td class=\"c n x113d y69ae w46b h205\"><div class=\"t m0 x1ed h38 y6563 ff1 fs17 fc3 sc0 ls21 ws20\">2024<span class=\"_ _3eb\"> </span></div></td><td></td></tr><tr><td></td><td class=\"t m0 xf43 h38 y69af ff5 fs17 fc0 sc0 ls21 ws20\">Certificates of<span class=\"_ _3eb\"> </span></td><td></td><td></td><td class=\"t m0 x12cd h2c y69af ff4 fs17 fc3 sc0 ls21 ws20\">Certificates of<span class=\"_ _3eb\"> </span></td><td></td><td></td></tr><tr><td></td><td class=\"t m0 xde8 h38 y69b0 ff5 fs17 fc0 sc0 ls21 ws20\">deposit of<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x158a h38 y69b0 ff5 fs17 fc0 sc0 ls21 ws20\">Other debt<span class=\"_ _3eb\"> </span></td><td></td><td class=\"t m0 x158b h39 y69b0 ff1 fs17 fc3 sc0 ls21 ws0\">deposit of<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x158c h39 y69b0 ff1 fs17 fc3 sc0 ls21 ws0\">Other debt<span class=\"_ _3eb\"> </span></td><td></td></tr><tr><td></td><td class=\"t m0 xd2d h38 y69b1 ff5 fs17 fc0 sc0 ls21 ws20\">$100,000<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x158d h38 y69b1 ff5 fs17 fc0 sc0 ls21 ws20\">securities<span class=\"_ _3eb\"> </span></td><td></td><td class=\"t m0 xf49 h2c y69b1 ff4 fs17 fc3 sc0 ls21 ws20\">$100,000<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xb9e h2c y69b1 ff4 fs17 fc3 sc0 ls21 ws20\">securities<span class=\"_ _3eb\"> </span></td><td></td></tr><tr><td></td><td class=\"t m0 x8f9 h38 y69b2 ff5 fs17 fc0 sc0 ls21 ws20\">or more<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x158e h38 y69b2 ff2 fs17 fc0 sc0 ls21 ws0\">in issue<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x11c5 h38 y69b2 ff5 fs17 fc0 sc0 ls21 ws20\">Total<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x405 h39 y69b2 ff1 fs17 fc3 sc0 ls21 ws0\">or more<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x158f h39 y69b2 ff1 fs17 fc3 sc0 ls21 ws0\">in issue<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x60a h39 y69b2 ff1 fs17 fc3 sc0 ls21 ws20\">Total<span class=\"_ _3eb\"> </span></td></tr><tr><td></td><td class=\"t m0 x8f9 h38 y69b3 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x8bc h38 y69b3 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x404 h38 y69b3 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x405 h2c y69b3 ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x8fa h2c y69b3 ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1ec h2c y69b3 ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c n x1ee y68ab w101 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">Debt securities in issue<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x126c y68ab wae9 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">21,876<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1590 y68ab waea h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">50,982<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1591 y68ab w103 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">72,858<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1592 y68ab w9f5 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">18,113<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1593 y68ab waeb h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">46,496<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1594 y68ab w104 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">64,609<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x221 h1a y69b4 ff4 fs5 fc3 sc0 ls5 ws5\">Debt securities in issue included within:<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1ee y6566 waec h216\"><div class=\"t m0 x1ed h1a y65db ff4 fs5 fc3 sc0 ls5 ws5\">Financial liabilities held at fair value<span class=\"_ _3eb\"> </span></div><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">through profit or loss (Note13)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1595 y6566 w2bc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1596 y6566 w5b4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">16,009<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1597 y6566 w5b4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">16,009<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1598 y6566 w1cf h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1599 y6566 waed h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">13,731<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x159a y6566 w5d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">13,731<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6567 waee h201\"><div class=\"t m0 x1ed h3d y6548 ff5 fs5 fc3 sc0 ls5 ws5\">Total debt securities in issue<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x159b y6567 wae9 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">21,876<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x159c y6567 w32f h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">66,991<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x159d y6567 waef h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">88,867<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x159e y6567 w9f5 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">18,113<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x159f y6567 waf0 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">60,227<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15a0 y6567 waf1 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">78,340<span class=\"_ _3eb\"> </span></div></td></tr></table>In 2025, the Company issued a <span class=\"_ _7\"></span>total of $7.9 billion senior notes for <span class=\"_ _7\"></span>general business purposes of the Group <span class=\"_ _7\"></span>as shown below: <table class=\"s waf2 h27b\" id=\"_7beaa539-21ea-46d1-b6c3-1383c7238d9f\"><tr><td class=\"c n x1ee y69b5 waf3 h201\"><div class=\"t m0 x1ed h8 y666e ff5 fs5 fc3 sc0 ls5 ws5\">Securities<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15a1 y69b6 w173 h215\"><div class=\"t m0 x1ed h8 y65c7 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y69b7 waf4 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">$1,000 million fixed rate senior notes due <span class=\"_ _7\"></span>2029 (callable 2028)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15a2 y69b7 w5ce h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">1,000<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y69b8 waf5 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">$1,000 million fixed rate senior notes due <span class=\"_ _7\"></span>2036 (callable 2035)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15a3 y69b8 w5ce h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">1,000<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y69b9 waf6 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">$500 million floating rate senior notes due <span class=\"_ _7\"></span>2029 (callable 2028)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15a4 y69b9 waf7 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">500<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y69ba waf8 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">HKD 1,250 million fixed rate senior notes <span class=\"_ _7\"></span>due 2029 (callable 2028)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15a5 y69ba wa66 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">161<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y69bb waf9 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">EUR 1,000 million fixed rate senior notes <span class=\"_ _7\"></span>due 2033 (callable 2032)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15a6 y69bb w32d h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">1,174<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y69bc wafa h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">$1,000 million fixed rate senior notes due <span class=\"_ _7\"></span>2031 (callable 2030)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15a7 y69bc w5ce h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">1,000<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y69bd wafb h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">$750 million floating rate senior notes due <span class=\"_ _7\"></span>2031 (callable 2030)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15a8 y69bd w137 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">750<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y69be wafc h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">$2,000 million fixed rate senior notes due <span class=\"_ _7\"></span>2036 (callable 2035)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15a9 y69be w785 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">2,000<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y69bf wafd h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">HKD 1,500 million fixed rate senior notes <span class=\"_ _7\"></span>due 2029 (callable 2028)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15aa y69bf w15f h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">193<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x15ab y69c0 wafe h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">$50 million fixed rate senior notes <span class=\"_ _7\"></span>due 2029 (callable 2028)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15ac y69c0 w38e h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">50<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x15ab y69c1 waff h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">CNY 500 million fixed rate senior <span class=\"_ _7\"></span>notes due 2030 (callable 2029)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15ad y69c1 w7be h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">70<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x15ab y6566 wb00 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">CNY 400 million fixed rate senior <span class=\"_ _7\"></span>notes due 2030 (callable 2029)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15ae y6566 w205 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">56<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6567 wb01 h203\"><div class=\"t m0 x1ed h3d y655f ff5 fs5 fc3 sc0 ls5 ws5\">Total Senior Notes issued<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15af y6567 w184 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">7,954<span class=\"_ _3eb\"> </span></div></td></tr></table>In 2024, the Company issued a <span class=\"_ _7\"></span>total of $7.4 billion senior notes for <span class=\"_ _7\"></span>general business purposes of the Group <span class=\"_ _7\"></span>as shown below:<span class=\"_ _3eb\"> </span><table class=\"s wb02 h27c\" id=\"_92cf9e15-ee47-4bc5-9354-5dc72ca563fb\"><tr><td class=\"c n x1ee y69c2 waf3 h203\"><div class=\"t m0 x1ed h8 y666e ff5 fs5 fc3 sc0 ls5 ws5\">Securities<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15b0 y69c3 wb03 h204\"><div class=\"t m0 x1ed h8 y6696 ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y69c4 wb04 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">$1,500 million fixed-rate senior notes due 2035 <span class=\"_ _7\"></span>(callable 2034)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15b1 y69c4 wb05 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">1,500<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y69c5 wb06 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">SGD 335 million fixed-rate senior notes due <span class=\"_ _7\"></span>2030 (callable 2029)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2ab y69c5 w3db h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">246<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y69c6 wb07 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">EUR 1,000 million fixed-rate senior notes due <span class=\"_ _7\"></span>2032 (callable 2031)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15b2 y69c6 w952 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">1,035<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6575 wb08 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">HKD 1,100 million fixed-rate senior notes due <span class=\"_ _7\"></span>2027 (callable 2026)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15b3 y6575 w8ca h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">142<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y658d wb09 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">$500 million floating-rate senior notes due 2028 <span class=\"_ _7\"></span>(callable 2027)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15b4 y658d wb0a h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">500<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y658e wb0b h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">$1,000 million fixed-rate senior notes due 2028 <span class=\"_ _7\"></span>(callable 2027)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15b5 y658e w49a h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">1,000<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6659 wb04 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">$1,500 million fixed-rate senior notes due 2035 <span class=\"_ _7\"></span>(callable 2034)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15b1 y6659 wb05 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">1,500<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6566 wb0c h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">$1,500 million fixed-rate senior notes due 2030 <span class=\"_ _7\"></span>(callable 2029)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15b1 y6566 wb05 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">1,500<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6567 wb01 h203\"><div class=\"t m0 x1ed h1a y65de ff5 fs5 fc3 sc0 ls5 ws5\">Total Senior Notes issued<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15b6 y6567 wb7 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">7,423</div></td></tr></table>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfFinancialInstrumentsExplanatory",
    "language": "en",
    "entity": "scheme:U4LOSYZ7YG4W3S5F2G91",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-737": {
   "value": "Accounting policy<span class=\"_ _3eb\"> </span>Financial assets <span class=\"_ _7\"></span>held at <span class=\"_ _7\"></span>amortised cost <span class=\"_ _7\"></span>and fair <span class=\"_ _7\"></span>value through <span class=\"_ _7\"></span>other comprehensive <span class=\"_ _7\"></span>income<span class=\"_ _3eb\"> </span>Debt instruments held at amortised cost or held at FVOCI have contractual terms that give rise to cash flows that are solely payments of principal and interest (SPPI) <span class=\"_ _7\"></span>characteristics. In assessing whether the contractual cash <span class=\"_ _7\"></span>flows have SPPI characteristics, the Group considers <span class=\"_ _7\"></span>the contractual terms of the instrument. This includes assessing whether the <span class=\"_ _7\"></span>financial asset contains a contractual term that <span class=\"_ _7\"></span>could change the timing or amount of contractual cash flows such <span class=\"_ _7\"></span>that it would not meet this condition. <span class=\"_ _7\"></span>In making the assessment, the Group <span class=\"_ _7\"></span>considers: <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">Contingent events that would change the amount and timing of cash flows</span> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ls2\">Leverage features</span> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ls2\">Prepayment and extension terms</span> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">Terms that limit the Group\u2019s claim to cash flows from specified assets <span class=\"_ _7\"></span>(e.g. non-recourse asset arrangements) </span> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">Features that modify consideration of the time value of money \u2013 e.g. <span class=\"_ _7\"></span>periodical reset of interest rates<span class=\"_ _3eb\"> </span></span>Whether financial assets are held at <span class=\"_ _7\"></span>amortised cost or at FVOCI depends on <span class=\"_ _7\"></span>the objectives of the business models <span class=\"_ _7\"></span>under which the assets are held. A <span class=\"_ _7\"></span>business model refers to how the Group <span class=\"_ _7\"></span>manages financial assets to generate cash <span class=\"_ _7\"></span>flows.<span class=\"_ _3eb\"> </span>The Group makes an assessment of <span class=\"_ _7\"></span>the objective of a business model in <span class=\"_ _7\"></span>which an asset is held at <span class=\"_ _7\"></span>the individual product business line, and where applicable within <span class=\"_ _7\"></span>business lines depending on the way the <span class=\"_ _7\"></span>business is managed and information is<span class=\"_ gs36\"> </span>provided to management. Factors considered include: <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ls2\">How the performance of the product business line is evaluated and reported to the Group\u2019s management</span> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">How managers of the business model are compensated, including whether management is <span class=\"_ _7\"></span>compensated based </span>on<span class=\"_ gs36\"> </span>the<span class=\"_ gs36\"> </span>fair value of assets or the <span class=\"_ _7\"></span>contractual cash flows collected <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ls2\">The risks that affect the performance of the business model and how those risks are managed</span> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">The frequency, volume and timing of sales in prior periods, the reasons <span class=\"_ _7\"></span>for such sales and expectations about <span class=\"_ _7\"></span>future </span>sales<span class=\"_ gs36\"> </span>activity<span class=\"_ _3eb\"> </span>The Group\u2019s business model assessment is <span class=\"_ _7\"></span>as follows:<span class=\"_ _3eb\"> </span><table class=\"s w51a h23d\" id=\"_75439fb2-8a84-4a62-a7d1-71356f640b90\"><tr><td class=\"t m0 x9bc h4 y66c6 ff2 fs1 fc1 sc0 ls1 ws2\">Business </td><td class=\"t m0 x9bd h4 y66c6 ff2 fs1 fc1 sc0 ls1 ws2\">Business </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m0 x9bc h4 y66c7 ff5 fs1 fc1 sc0 ls1 ws2\">model<span class=\"_ _3eb\"> </span></td><td class=\"c n x9be y66c9 w51b h23e\"><div class=\"t m0 x1ed h4 y66c8 ff5 fs1 fc1 sc0 ls1 ws2\">objective<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9bf y66c9 w51c h23e\"><div class=\"t m0 x1ed h4 y66c8 ff5 fs1 fc1 sc0 ls1 ws2\">Characteristics<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n x9c0 y66c9 w51d h23e\"><div class=\"t m0 x1ed h4 y66c8 ff2 fs1 fc1 sc0 ls1 ws2\">Businesses<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n x9c1 y66c9 w15e h23e\"><div class=\"t m0 x1ed h4 y66c8 ff5 fs1 fc1 sc0 ls1 ws2\">Products<span class=\"_ _3eb\"> </span></div></td><td></td></tr><tr><td class=\"t m0 x9bc h20 y66ca ff6 fs2 fc3 sc0 ls2 ws0\">Hold to </td><td class=\"t m0 x9bd h9 y66ca ff1 fs2 fc3 sc0 ls2 ws0\">Intent is to </td><td class=\"c n x9c2 y66cb w51e h1ff\"><div class=\"t m0 x1ed h5 y66b5 ff1 fs2 fc3 sc0 ls0 ws0\">\u2022<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c3 y66cb w51f h23f\"><div class=\"t m0 x1ed h5 y66b5 ff4 fs2 fc3 sc0 ls2 ws1\">Providing financing and originating<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c4 y66cd w520 h1ff\"><div class=\"t m0 x1ed h9 y66cc ff1 fs2 fc3 sc0 ls0 ws0\">\u2022<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c5 y66cd w521 h201\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls2 ws0\">Global Banking<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c6 y66cd w520 h1ff\"><div class=\"t m0 x1ed h9 y66cc ff1 fs2 fc3 sc0 ls0 ws0\">\u2022<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c7 y66cd w522 h201\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls2 ws0\">Loans and<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x9bc h20 y66cf ff6 fs2 fc3 sc0 ls2 ws1\">collect<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x9bd h5 y66cf ff4 fs2 fc3 sc0 ls2 ws1\">originate financial </td><td class=\"t m0 x9c8 h9 y66cf ff1 fs2 fc3 sc0 ls2 ws0\" colspan=\"2\">assets to earn interest income as </td><td class=\"c n x9c4 y66d0 w520 h201\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls0 ws0\">\u2022<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c5 y66d0 w523 h201\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls2 ws1\">Transaction<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x9c9 h9 y66cf ff1 fs2 fc3 sc0 ls2 ws1\" colspan=\"2\">advances<span class=\"_ _3eb\"> </span></td></tr><tr><td></td><td class=\"t m0 x9bd h9 y66d1 ff1 fs2 fc3 sc0 ls2 ws0\">assets and hold </td><td class=\"t m0 x9c8 h9 y66d1 ff1 fs2 fc3 sc0 ls2 ws0\" colspan=\"2\">primary income stream<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x9ca h9 y66d2 ff1 fs2 fc3 sc0 ls2 ws1\" colspan=\"2\">Banking<span class=\"_ _3eb\"> </span></td><td class=\"c n x9c6 y66d3 w520 h203\"><div class=\"t m0 x1ed h5 y66b5 ff1 fs2 fc3 sc0 ls0 ws0\">\u2022<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c7 y66d3 w524 h239\"><div class=\"t m0 x1ed h5 y66b5 ff4 fs2 fc3 sc0 ls2 ws1\">Debt securities<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td class=\"t m0 x9bd h9 y66d4 ff1 fs2 fc3 sc0 ls2 ws0\">them to maturity, </td><td class=\"c n x9c2 y66d5 w51e h201\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls0 ws0\">\u2022<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c3 y66d5 w525 h201\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls2 ws0\">Performing credit risk management<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c4 y66d6 w520 h201\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls0 ws0\">\u2022<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c5 y66d6 w526 h201\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls2 ws0\">Retail Lending<span class=\"_ _3eb\"> </span></div></td><td></td><td></td></tr><tr><td></td><td class=\"t m0 x9bd h9 y66d7 ff1 fs2 fc3 sc0 ls2 ws0\">collecting the </td><td class=\"t m0 x9c8 h5 y66d8 ff4 fs2 fc3 sc0 ls2 ws1\" colspan=\"2\">activities<span class=\"_ _3eb\"> </span></td><td class=\"c n x9c4 y66d9 w520 h201\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls0 ws0\">\u2022<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c5 y66d9 w527 h201\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls2 ws1\">Treasury<span class=\"_ _3eb\"> </span></div></td><td></td><td></td></tr><tr><td></td><td class=\"t m0 x9bd h9 y66da ff1 fs2 fc3 sc0 ls2 ws0\">contractual cash </td><td class=\"c n x9c2 y66db w51e h201\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls0 ws0\">\u2022<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c3 y66db w528 h201\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls2 ws0\">Costs include funding costs, transaction</div></td><td class=\"t m0 x9ca h9 y66dc ff1 fs2 fc3 sc0 ls2 ws0\" colspan=\"2\">Markets (Loans </td><td></td><td></td></tr><tr><td></td><td class=\"t m0 x9bd h9 y66dd ff1 fs2 fc3 sc0 ls2 ws0\">flows over the term </td><td class=\"t m0 x9c8 h5 y66de ff4 fs2 fc3 sc0 ls2 ws1\" colspan=\"2\">costs and impairment losses<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x9ca h5 y66df ff4 fs2 fc3 sc0 ls2 ws1\" colspan=\"2\">and Borrowings)<span class=\"_ _3eb\"> </span></td><td></td><td></td></tr><tr><td></td><td class=\"t m0 x9bd h9 y66e0 ff1 fs2 fc3 sc0 ls2 ws0\">of the instrument<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"c n x9c4 y66e1 w520 h201\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls0 ws0\">\u2022<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c5 y66e1 w529 h201\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls2 ws0\">Global Markets<span class=\"_ _3eb\"> </span></div></td><td></td><td></td></tr><tr><td class=\"t m0 x9bc h20 y66e2 ff6 fs2 fc3 sc0 ls2 ws0\">Hold to </td><td class=\"t m0 x9bd h5 y66e2 ff4 fs2 fc3 sc0 ls2 ws1\">Business objective </td><td class=\"c n x9c2 y66e3 w51e h203\"><div class=\"t m0 x1ed h5 y66b5 ff1 fs2 fc3 sc0 ls0 ws0\">\u2022<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c3 y66e3 w525 h239\"><div class=\"t m0 x1ed h5 y66b5 ff4 fs2 fc3 sc0 ls2 ws1\">Portfolios held for liquidity needs; or<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c4 y66e4 w520 h201\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls0 ws0\">\u2022<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c5 y66e4 w527 h201\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls2 ws1\">Treasury<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c6 y66e3 w520 h203\"><div class=\"t m0 x1ed h5 y66b5 ff1 fs2 fc3 sc0 ls0 ws0\">\u2022<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c7 y66e3 w524 h239\"><div class=\"t m0 x1ed h5 y66b5 ff4 fs2 fc3 sc0 ls2 ws1\">Debt securities<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x9bc h20 y66e5 ff6 fs2 fc3 sc0 ls2 ws1\">collect </td><td class=\"t m0 x9bd h9 y66e5 ff1 fs2 fc3 sc0 ls2 ws0\">met through both </td><td class=\"t m0 x9c8 h9 y66e5 ff1 fs2 fc3 sc0 ls2 ws0\" colspan=\"2\">where a certain interest yield profile is </td><td class=\"t m0 x9ca h9 y66e5 ff1 fs2 fc3 sc0 ls2 ws1\" colspan=\"2\">Markets<span class=\"_ _3eb\"> </span></td><td></td><td></td></tr><tr><td class=\"t m0 x9bc h20 y66e6 ff7 fs2 fc3 sc0 ls2 ws1\">and<span class=\"_ gs36e\"> </span>sell<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x9bd h9 y66e6 ff1 fs2 fc3 sc0 ls2 ws0\">hold to collect and </td><td class=\"t m0 x9c8 h5 y66e6 ff4 fs2 fc3 sc0 ls2 ws1\" colspan=\"2\">maintained; or that are normally </td><td class=\"c n x9c4 y66e7 w520 h201\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls0 ws0\">\u2022<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c5 y66e7 w52a h201\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls2 ws0\">Central Credit<span class=\"_ _3eb\"> </span></div></td><td></td><td></td></tr><tr><td></td><td class=\"t m0 x9bd h5 y66e8 ff4 fs2 fc3 sc0 ls2 ws1\">by selling financial </td><td class=\"t m0 x9c8 h9 y66e8 ff1 fs2 fc3 sc0 ls2 ws0\" colspan=\"2\">rebalanced to achieve matching of </td><td class=\"t m0 x9ca h9 y66e9 ff1 fs2 fc3 sc0 ls2 ws1\" colspan=\"2\">Unit<span class=\"_ _3eb\"> </span></td><td></td><td></td></tr><tr><td></td><td class=\"t m0 x9bd h9 y66ea ff1 fs2 fc3 sc0 ls2 ws1\">assets<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x9c8 h5 y66ea ff4 fs2 fc3 sc0 ls2 ws1\" colspan=\"2\">duration of assets and liabilities<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"c n x9c2 y66eb w51e h201\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls0 ws0\">\u2022<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c3 y66eb w52b h201\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls2 ws0\">Income streams come from interest<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"t m0 x9c8 h9 y66ec ff1 fs2 fc3 sc0 ls2 ws0\" colspan=\"2\">income, fair value changes, and </td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"t m0 x9c8 h5 y66ed ff4 fs2 fc3 sc0 ls2 ws1\" colspan=\"2\">impairment losses<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m0 x9bc h20 y66ee ff6 fs2 fc3 sc0 ls2 ws0\">Fair value </td><td class=\"t m0 x9bd h9 y66ee ff1 fs2 fc3 sc0 ls2 ws0\">All other business </td><td class=\"c n x9c2 y66ef w51e h201\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls0 ws0\">\u2022<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c3 y66ef w52c h201\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls2 ws0\">Assets held for trading<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c4 y66ef w520 h201\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls0 ws0\">\u2022<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c5 y66ef w527 h201\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls2 ws1\">Treasury<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c6 y66f0 w520 h203\"><div class=\"t m0 x1ed h5 y66b5 ff1 fs2 fc3 sc0 ls0 ws0\">\u2022<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c7 y66f0 w52d h239\"><div class=\"t m0 x1ed h5 y66b5 ff4 fs2 fc3 sc0 ls2 ws1\">Derivatives<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x9bc h20 y66f1 ff6 fs2 fc3 sc0 ls2 ws1\">through </td><td class=\"t m0 x9bd h5 y66f1 ff4 fs2 fc3 sc0 ls2 ws1\">objectives, </td><td class=\"c n x9c2 y66f2 w51e h203\"><div class=\"t m0 x1ed h5 y66b5 ff1 fs2 fc3 sc0 ls0 ws0\">\u2022<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c3 y66f2 w52e h239\"><div class=\"t m0 x1ed h5 y66b5 ff4 fs2 fc3 sc0 ls2 ws1\">Assets that are originated, purchased,<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x9ca h9 y66f1 ff1 fs2 fc3 sc0 ls2 ws1\" colspan=\"2\">Markets<span class=\"_ _3eb\"> </span></td><td class=\"c n x9c6 y66f3 w520 h201\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls0 ws0\">\u2022<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c7 y66f3 w52f h201\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls2 ws0\">Equity shares<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x9bc h20 y66f4 ff6 fs2 fc3 sc0 ls2 ws1\">profit </td><td class=\"t m0 x9bd h5 y66f4 ff4 fs2 fc3 sc0 ls2 ws1\">including trading </td><td class=\"t m0 x9c8 h9 y66f5 ff1 fs2 fc3 sc0 ls2 ws0\" colspan=\"2\">and sold for profit taking or </td><td class=\"c n x9c4 y66f6 w520 h203\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls0 ws0\">\u2022<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c5 y66f6 w529 h203\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls2 ws0\">Global Markets<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c6 y66f7 w520 h203\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls0 ws0\">\u2022<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c7 y66f7 w530 h203\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls2 ws1\">Trading<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x9bc h20 y66f8 ff7 fs2 fc3 sc0 ls2 ws1\">or<span class=\"_ gs36e\"> </span>loss<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x9bd h9 y66f8 ff1 fs2 fc3 sc0 ls2 ws0\">and managing </td><td class=\"t m0 x9c8 h5 y66f9 ff4 fs2 fc3 sc0 ls2 ws1\" colspan=\"2\">underwriting activity<span class=\"_ _3eb\"> </span></td><td class=\"c n x9c4 y66fa w520 h203\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls0 ws0\">\u2022<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c5 y66fa w531 h203\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls2 ws0\">All other<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x9c9 h9 y66fb ff1 fs2 fc3 sc0 ls2 ws1\" colspan=\"2\">portfolios<span class=\"_ _3eb\"> </span></td></tr><tr><td></td><td class=\"t m0 x9bd h5 y66fc ff4 fs2 fc3 sc0 ls2 ws1\">financial assets on </td><td class=\"c n x9c2 y66fd w51e h203\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls0 ws0\">\u2022<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c3 y66fd w532 h203\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls2 ws0\">Performance of the portfolio is<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"t m0 x9ca h9 y66fe ff1 fs2 fc3 sc0 ls2 ws0\">business lines<span class=\"_ _3eb\"> </span></td><td class=\"c n x9c6 y66ff w520 h203\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls0 ws0\">\u2022<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c7 y66ff w533 h203\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls2 ws0\">Reverse repos<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td class=\"t m0 x9bd h9 y6700 ff1 fs2 fc3 sc0 ls2 ws0\">a fair value basis<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x9c8 h9 y6701 ff1 fs2 fc3 sc0 ls2 ws0\" colspan=\"2\">evaluated on a fair value basis<span class=\"_ _3eb\"> </span></td><td></td><td></td><td class=\"c n x9c6 y6702 w520 h203\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls0 ws0\">\u2022<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c7 y6702 w534 h203\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls2 ws0\">Bond and Loan<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td></td><td class=\"c n x9c2 y6703 w51e h203\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls0 ws0\">\u2022<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c3 y6703 w535 h203\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls2 ws0\">Income streams are from fair value<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td></td><td class=\"t m0 x9c9 h5 y6704 ff4 fs2 fc3 sc0 ls2 ws1\">Syndication<span class=\"_ _3eb\"> </span></td></tr><tr><td></td><td></td><td></td><td class=\"t m0 x9c8 h9 y6705 ff1 fs2 fc3 sc0 ls2 ws0\">changes or trading gains or losses<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td></tr></table>Financial assets which have SPPI characteristics <span class=\"_ _7\"></span>and that are held within a business <span class=\"_ _7\"></span>model whose objective is to hold financial assets to collect contractual cashflows <span class=\"_ _7\"></span>(hold to collect) are recorded at amortised <span class=\"_ _7\"></span>cost. Conversely, financial assets<span class=\"_ gs36\"> </span>which have SPPI characteristics but are <span class=\"_ _7\"></span>held within a business model whose objective <span class=\"_ _7\"></span>is achieved by both collecting contractual cashflows and selling financial assets <span class=\"_ _7\"></span>(Hold to collect and sell) are classified <span class=\"_ _7\"></span>as held at FVOCI. Both hold <span class=\"_ _7\"></span>to collect and hold to collect and <span class=\"_ _7\"></span>sell business models involve holding financial assets <span class=\"_ _7\"></span>to collect the contractual cashflows. However, the business models are distinct <span class=\"_ _7\"></span>by reference to the frequency and significance <span class=\"_ _7\"></span>that asset sales play in meeting the<span class=\"_ gs36\"> </span>objective under which <span class=\"_ _7\"></span>a particular group of <span class=\"_ _1b\"></span>financial assets is managed. Hold to <span class=\"_ _7\"></span>collect business models <span class=\"_ _7\"></span>are characterised by<span class=\"_ gs36\"> </span>asset sales that are incidental to <span class=\"_ _7\"></span>meeting the objectives under which a group <span class=\"_ _7\"></span>of assets is managed. Sales of <span class=\"_ _7\"></span>assets under a<span class=\"_ gs36\"> </span>hold to collect business model can <span class=\"_ _7\"></span>be made to manage increases in the <span class=\"_ _7\"></span>credit risk of financial assets but <span class=\"_ _7\"></span>sales for other reasons should be infrequent or insignificant. <span class=\"_ _7\"></span>Cashflows from the sale of financial assets <span class=\"_ _7\"></span>under a hold to collect and <span class=\"_ _7\"></span>sell business model by contrast are integral <span class=\"_ _7\"></span>to achieving the objectives under which a <span class=\"_ _7\"></span>particular group of financial assets are managed. This may be the case <span class=\"_ _7\"></span>where frequent sales of financial assets are <span class=\"_ _7\"></span>required to manage the Group\u2019s daily <span class=\"_ _7\"></span>liquidity requirements or to meet regulatory requirements <span class=\"_ _7\"></span>to demonstrate liquidity of financial instruments. Sales <span class=\"_ _7\"></span>of assets under hold<span class=\"_ gs36\"> </span>to collect and sell business models <span class=\"_ _7\"></span>are therefore both more frequent and more <span class=\"_ _7\"></span>significant in value than those under the<span class=\"_ gs36\"> </span>hold to collect model.<span class=\"_ _3eb\"> </span>Equity instruments <span class=\"_ _7\"></span>designated as <span class=\"_ _7\"></span>held at <span class=\"_ _7\"></span>FVOCI<span class=\"_ _3eb\"> </span>Non-trading equity instruments acquired for strategic purposes rather than capital gain may be irrevocably designated at initial recognition as held at FVOCI <span class=\"_ _7\"></span>on an instrument-by-instrument basis. Dividends received are <span class=\"_ _7\"></span>recognised in profit or loss. Gains and losses arising from changes <span class=\"_ _7\"></span>in the fair value of these instruments, <span class=\"_ _7\"></span>including foreign exchange gains and losses, are<span class=\"_ gs36\"> </span>recognised directly in equity and are <span class=\"_ _7\"></span>never reclassified to profit or loss even <span class=\"_ _7\"></span>on derecognition<span class=\"_ _3eb\"> </span>.<span class=\"_ _3eb\"> </span>Mandatorily classified <span class=\"_ _7\"></span>at fair <span class=\"_ _7\"></span>value through <span class=\"_ _7\"></span>profit or <span class=\"_ _7\"></span>loss<span class=\"_ _3eb\"> </span>Financial assets and liabilities which are <span class=\"_ _7\"></span>mandatorily held at fair value through profit <span class=\"_ _7\"></span>or loss are split between two subcategories as follows:<span class=\"_ _3eb\"> </span>Trading, including:  <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">Financial assets and liabilities held for trading, which are those acquired principally <span class=\"_ _7\"></span>for the purpose of selling </span>in<span class=\"_ gs36\"> </span>the<span class=\"_ gs36\"> </span>short-term <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">Derivatives.<span class=\"_ _3eb\"> </span></span>Non-trading mandatorily at fair value through <span class=\"_ _7\"></span>profit or loss, including: <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">Instruments in a business which has a fair value business model (see <span class=\"_ _7\"></span>the Group\u2019s business model assessment) which </span>are<span class=\"_ gs36\"> </span>not trading or derivatives <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">Hybrid financial assets that contain one or more embedded derivatives</span> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">Financial assets that would otherwise be measured at amortised cost or FVOCI <span class=\"_ _7\"></span>but which do not have SPPI <span class=\"_ _7\"></span>characteristics</span> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ls2\">Equity instruments that have not been designated as held at FVOCI</span> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">Financial liabilities that constitute contingent consideration in a business combination.<span class=\"_ _3eb\"> </span></span>Designated at <span class=\"_ _7\"></span>fair value <span class=\"_ _7\"></span>through profit <span class=\"_ _7\"></span>or loss<span class=\"_ _3eb\"> </span>Financial assets and liabilities may be <span class=\"_ _7\"></span>designated at fair value through profit or <span class=\"_ _7\"></span>loss when the designation eliminates or<span class=\"_ gs36\"> </span>significantly reduces a measurement or recognition <span class=\"_ _7\"></span>inconsistency that would otherwise arise from measuring <span class=\"_ _7\"></span>assets or<span class=\"_ gs36\"> </span>liabilities on a different basis (\u2018accounting <span class=\"_ _7\"></span>mismatch\u2019).<span class=\"_ _3eb\"> </span>Financial liabilities may also be designated <span class=\"_ _7\"></span>at fair value through profit or loss <span class=\"_ _7\"></span>where they are managed on a <span class=\"_ _7\"></span>fair value basis<span class=\"_ gs36\"> </span>or have an embedded derivative where <span class=\"_ _7\"></span>the Group is not able to separately <span class=\"_ _7\"></span>value, and thus bifurcate, the embedded derivative component.<span class=\"_ _3eb\"> </span>Financial liabilities <span class=\"_ _7\"></span>held at <span class=\"_ _7\"></span>amortised cost<span class=\"_ _3eb\"> </span>Financial liabilities that are not financial <span class=\"_ _7\"></span>guarantees or loan commitments and that are <span class=\"_ _7\"></span>not classified as financial liabilities held at fair value through profit <span class=\"_ _7\"></span>or loss are classified as financial liabilities <span class=\"_ _7\"></span>held at amortised cost.<span class=\"_ _3eb\"> </span>Preference shares which carry a mandatory coupon that represents a market rate of interest at the issue date, or which are<span class=\"_ gs36\"> </span>redeemable on a specific date or <span class=\"_ _7\"></span>at the option of the shareholder are <span class=\"_ _7\"></span>classified as financial liabilities and are <span class=\"_ _7\"></span>presented in<span class=\"_ gs36\"> </span>other borrowed funds. The dividends on <span class=\"_ _7\"></span>these preference shares are recognised in the <span class=\"_ _7\"></span>income statement as interest expense on an amortised cost basis <span class=\"_ _7\"></span>using the effective interest method.<span class=\"_ _3eb\"> </span>Financial guarantee <span class=\"_ _7\"></span>contracts and <span class=\"_ _7\"></span>loan commitments<span class=\"_ _3eb\"> </span>The Group issues financial guarantee contracts <span class=\"_ _7\"></span>and loan commitments in return for fees. <span class=\"_ _7\"></span>Financial guarantee contracts and<span class=\"_ gs36\"> </span>any loan commitments issued at below-market <span class=\"_ _7\"></span>interest rates are initially recognised at their <span class=\"_ _7\"></span>fair value as a financial liability and subsequently measured at the <span class=\"_ _7\"></span>higher of the initial value less the <span class=\"_ _7\"></span>cumulative amount of income recognised in<span class=\"_ gs36\"> </span>accordance with the principles of IFRS <span class=\"_ _7\"></span>15 Revenue from Contracts with Customers and <span class=\"_ _7\"></span>their expected credit loss provision. Loan commitments may be designated at fair value through profit or loss where that is the business model under which such<span class=\"_ gs36\"> </span>contracts are held.<span class=\"_ _3eb\"> </span>Fair value <span class=\"_ _7\"></span>of financial <span class=\"_ _7\"></span>assets and <span class=\"_ _7\"></span>liabilities<span class=\"_ _3eb\"> </span>The fair value of financial instruments <span class=\"_ _7\"></span>is generally measured on the basis of <span class=\"_ _7\"></span>the individual financial instrument. However, when a group of financial assets <span class=\"_ _7\"></span>and financial liabilities is managed on the <span class=\"_ _7\"></span>basis of its net exposure to <span class=\"_ _7\"></span>either market risk or<span class=\"_ gs36\"> </span>credit risk, the fair value of <span class=\"_ _7\"></span>the group of financial instruments is measured <span class=\"_ _7\"></span>on a net basis.<span class=\"_ _3eb\"> </span>The fair values of quoted financial <span class=\"_ _7\"></span>assets and liabilities in active markets are <span class=\"_ _7\"></span>based on current prices. A market <span class=\"_ _7\"></span>is regarded as<span class=\"_ gs36\"> </span>active if transactions <span class=\"_ _7\"></span>for the asset or <span class=\"_ _1b\"></span>liability take place with sufficient frequency <span class=\"_ _7\"></span>and volume to <span class=\"_ _7\"></span>provide pricing information on an ongoing basis. If the <span class=\"_ _7\"></span>market for a financial instrument, and for <span class=\"_ _7\"></span>unlisted securities, is not active, the <span class=\"_ _7\"></span>Group establishes fair value by using valuation techniques<span class=\"_ _3eb\"> </span>.<span class=\"_ _3eb\"> </span>Initial recognition<span class=\"_ _3eb\"> </span>Regular way purchases and sales of <span class=\"_ _7\"></span>financial assets held at fair value through <span class=\"_ _7\"></span>profit or loss, and held at <span class=\"_ _7\"></span>fair value through other comprehensive income, are initially recognised <span class=\"_ _7\"></span>on the trade date (the date on <span class=\"_ _7\"></span>which the Group commits to purchase or<span class=\"_ gs36\"> </span>sell the asset). Loans and advances <span class=\"_ _7\"></span>and other financial assets held at amortised <span class=\"_ _7\"></span>cost are recognised on the settlement date (the date on which cash <span class=\"_ _7\"></span>is advanced to the borrowers).<span class=\"_ _3eb\"> </span>All financial instruments are initially recognised <span class=\"_ _7\"></span>at fair value, which is normally the <span class=\"_ _7\"></span>transaction price, plus directly attributable transaction costs for financial assets and <span class=\"_ _7\"></span>liabilities which are not subsequently measured at <span class=\"_ _7\"></span>fair value through profit or loss.<span class=\"_ _3eb\"> </span>In certain circumstances, the initial fair <span class=\"_ _7\"></span>value may be based on a valuation <span class=\"_ _7\"></span>technique which may lead to the <span class=\"_ _7\"></span>recognition of profits or losses at the time <span class=\"_ _7\"></span>of initial recognition. However, these profits or <span class=\"_ _7\"></span>losses can only be recognised when <span class=\"_ _7\"></span>the valuation technique used is based solely on <span class=\"_ _7\"></span>observable market data. In those cases where <span class=\"_ _7\"></span>the initially recognised fair value is <span class=\"_ _7\"></span>based on<span class=\"_ gs36\"> </span>a valuation model that uses unobservable <span class=\"_ _7\"></span>inputs, the difference between the transaction price <span class=\"_ _7\"></span>and the valuation model is<span class=\"_ gs36\"> </span>not recognised immediately in the income <span class=\"_ _7\"></span>statement, it will be recognised in profit <span class=\"_ _7\"></span>or loss following the passage of <span class=\"_ _7\"></span>time, or<span class=\"_ gs36\"> </span>as the inputs become observable, or <span class=\"_ _7\"></span>the transaction matures or is terminated.<span class=\"_ _3eb\"> </span>Subsequent measurement<span class=\"_ _3eb\"> </span>Financial assets <span class=\"_ _7\"></span>and financial <span class=\"_ _7\"></span>liabilities held <span class=\"_ _7\"></span>at amortised <span class=\"_ _7\"></span>cost<span class=\"_ _3eb\"> </span>Financial assets and financial liabilities held <span class=\"_ _7\"></span>at amortised cost are subsequently carried at <span class=\"_ _7\"></span>amortised cost using the effective<span class=\"_ gs36\"> </span>interest method (see \u2018Interest income and <span class=\"_ _7\"></span>expense\u2019). Foreign exchange gains and losses are <span class=\"_ _7\"></span>recognised in the income statement.<span class=\"_ _3eb\"> </span>Where a financial instrument carried at <span class=\"_ _7\"></span>amortised cost is the hedged item in <span class=\"_ _7\"></span>a qualifying fair value hedge relationship, its<span class=\"_ gs36\"> </span>carrying value is adjusted by the <span class=\"_ _7\"></span>fair value gain or loss attributable to <span class=\"_ _7\"></span>the hedged risk.<span class=\"_ _3eb\"> </span>Financial assets <span class=\"_ _7\"></span>held at <span class=\"_ _7\"></span>FVOCI<span class=\"_ _3eb\"> </span>Debt instruments held at FVOCI are <span class=\"_ _7\"></span>subsequently carried at fair value, with all <span class=\"_ _7\"></span>unrealised gains and losses arising from changes in fair value recognised in <span class=\"_ _7\"></span>other comprehensive income and accumulated in a <span class=\"_ _7\"></span>separate component of equity. Foreign exchange gains and losses on <span class=\"_ _7\"></span>the amortised cost are recognised in income. <span class=\"_ _7\"></span>Changes in expected credit losses are recognised in the profit or loss <span class=\"_ _7\"></span>and are accumulated in equity. On derecognition, <span class=\"_ _7\"></span>the cumulative fair value gains or <span class=\"_ _7\"></span>losses, net<span class=\"_ gs36\"> </span>of the cumulative expected credit loss <span class=\"_ _7\"></span>reserve, are transferred to the profit or <span class=\"_ _7\"></span>loss. Equity investments designated at FVOCI are <span class=\"_ _7\"></span>subsequently carried at fair value with all <span class=\"_ _7\"></span>unrealised gains and losses arising from changes in fair value (including <span class=\"_ _7\"></span>any related foreign exchange gains or losses) <span class=\"_ _7\"></span>recognised in other comprehensive income and accumulated in a separate <span class=\"_ _7\"></span>component of equity. On derecognition, the cumulative <span class=\"_ _7\"></span>reserve is transferred to<span class=\"_ gs36\"> </span>retained earnings and is not recycled <span class=\"_ _7\"></span>to profit or loss.<span class=\"_ _3eb\"> </span>Financial assets <span class=\"_ _7\"></span>and liabilities <span class=\"_ _7\"></span>held at <span class=\"_ _7\"></span>fair value <span class=\"_ _7\"></span>through profit <span class=\"_ _7\"></span>or loss<span class=\"_ _3eb\"> </span>Gains and losses arising from changes <span class=\"_ _7\"></span>in fair value, including contractual interest income <span class=\"_ _7\"></span>or expense, recorded in the net trading income line in the profit <span class=\"_ _7\"></span>or loss. Derecognition of <span class=\"_ _7\"></span>financial instruments<span class=\"_ _3eb\"> </span>Financial assets which are subject to <span class=\"_ _7\"></span>commercial refinancing where the loan is priced <span class=\"_ _7\"></span>to the market with no payment <span class=\"_ _7\"></span>related concessions regardless of form of legal <span class=\"_ _7\"></span>documentation or nature of lending will be <span class=\"_ _7\"></span>derecognised. Where the Group\u2019s rights to<span class=\"_ gs36\"> </span>the cash flows under the original <span class=\"_ _7\"></span>contract have expired, the old loan is <span class=\"_ _7\"></span>derecognised, and the new loan is <span class=\"_ _7\"></span>recognised at fair value. For all other modifications <span class=\"_ _7\"></span>for example forborne loans or restructuring, whether <span class=\"_ _7\"></span>or not a change in the <span class=\"_ _7\"></span>cash flows is<span class=\"_ gs36\"> </span>\u2018substantially different\u2019 is judgemental and will <span class=\"_ _7\"></span>be considered on a case-by-case basis, taking <span class=\"_ _7\"></span>into account all the relevant facts and circumstances.<span class=\"_ _3eb\"> </span>On derecognition of a financial asset, <span class=\"_ _7\"></span>the difference between the carrying amount of <span class=\"_ _7\"></span>the asset (or the carrying amount allocated to the portion of the <span class=\"_ _7\"></span>asset derecognised) and the sum of the <span class=\"_ _7\"></span>consideration received (including any new asset obtained less any new liability assumed) <span class=\"_ _7\"></span>and any cumulative gain or loss that <span class=\"_ _7\"></span>had been recognised in other comprehensive income is recognised in profit or <span class=\"_ _7\"></span>loss except for equity instruments elected FVOCI <span class=\"_ _7\"></span>(see above) and cumulative fair value adjustments attributable to the credit risk <span class=\"_ _7\"></span>of a liability that are held in <span class=\"_ _7\"></span>other comprehensive income.<span class=\"_ _3eb\"> </span>Financial liabilities are derecognised when they <span class=\"_ _7\"></span>are extinguished. A financial liability is extinguished <span class=\"_ _7\"></span>when the obligation is<span class=\"_ gs36\"> </span>discharged, cancelled or expires and this <span class=\"_ _7\"></span>is evaluated both qualitatively and quantitatively. However, where a financial liability has <span class=\"_ _7\"></span>been modified, it is derecognised if the <span class=\"_ _7\"></span>difference between the modified cash flows and the original cash flows is <span class=\"_ _7\"></span>more than 10 per cent, or if <span class=\"_ _7\"></span>less than 10 per cent, the <span class=\"_ _7\"></span>Group will perform a qualitative assessment to determine whether the terms <span class=\"_ _7\"></span>of the two instruments are substantially different. <span class=\"_ _7\"></span>If the Group purchases its own<span class=\"_ gs36\"> </span>debt, it is derecognised and the <span class=\"_ _7\"></span>difference between the carrying amount of the <span class=\"_ _7\"></span>liability and the consideration paid is<span class=\"_ gs36\"> </span>included in \u2018Other income\u2019 except for <span class=\"_ _7\"></span>the cumulative fair value adjustments attributable to <span class=\"_ _7\"></span>the credit risk of a liability <span class=\"_ _7\"></span>that are<span class=\"_ gs36\"> </span>held in Other comprehensive income, which <span class=\"_ _7\"></span>are never recycled to the profit or <span class=\"_ _7\"></span>loss.<span class=\"_ _3eb\"> </span>Modified financial <span class=\"_ _7\"></span>instruments<span class=\"_ _3eb\"> </span>Financial assets and financial liabilities whose <span class=\"_ _7\"></span>original contractual terms have been modified, including <span class=\"_ _7\"></span>those loans subject to forbearance strategies, are considered to <span class=\"_ _7\"></span>be modified instruments. Modifications may include changes <span class=\"_ _7\"></span>to the tenor, cash<span class=\"_ gs36\"> </span>flows and or interest rates among <span class=\"_ _7\"></span>other factors. Where derecognition of financial assets is <span class=\"_ _7\"></span>appropriate (see Derecognition), the newly recognised residual <span class=\"_ _7\"></span>loans are assessed to determine whether the assets should <span class=\"_ _7\"></span>be classified as purchased or originated credit-impaired <span class=\"_ _7\"></span>assets (POCI). Where derecognition is not appropriate, the gross <span class=\"_ _7\"></span>carrying amount of the applicable instruments is <span class=\"_ _7\"></span>recalculated as the present value of the renegotiated or modified <span class=\"_ _7\"></span>contractual cash flows discounted at the original <span class=\"_ _7\"></span>effective interest rate (or credit adjusted effective interest rate for POCI <span class=\"_ _7\"></span>financial assets). The difference between the recalculated values <span class=\"_ _7\"></span>and the pre-modified gross carrying values of <span class=\"_ _7\"></span>the instruments are recorded as a modification gain or loss <span class=\"_ _7\"></span>in the profit or loss. Gains and <span class=\"_ _7\"></span>losses arising from modifications for credit <span class=\"_ _7\"></span>reasons are recorded as part of \u2018Credit Impairment\u2019 (see <span class=\"_ _7\"></span>Credit Impairment policy). Modification gains and losses arising from <span class=\"_ _7\"></span>non-credit reasons are recognised either as part <span class=\"_ _7\"></span>of \u2018Credit Impairment\u2019 or within<span class=\"_ gs36\"> </span>income depending on whether there has <span class=\"_ _7\"></span>been a change in the credit risk <span class=\"_ _7\"></span>on the financial asset subsequent to <span class=\"_ _7\"></span>the modification. Modification gains and losses arising <span class=\"_ _7\"></span>on financial liabilities are recognised within income. <span class=\"_ _7\"></span>The movements in<span class=\"_ gs36\"> </span>the applicable expected credit loss loan <span class=\"_ _7\"></span>positions are disclosed in further detail in <span class=\"_ _7\"></span>Risk Review.<span class=\"_ _3eb\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForFinancialLiabilitiesExplanatory",
    "language": "en",
    "entity": "scheme:U4LOSYZ7YG4W3S5F2G91",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-731": {
   "value": "Accounting policy<span class=\"_ _3eb\"> </span>Financial assets <span class=\"_ _7\"></span>held at <span class=\"_ _7\"></span>amortised cost <span class=\"_ _7\"></span>and fair <span class=\"_ _7\"></span>value through <span class=\"_ _7\"></span>other comprehensive <span class=\"_ _7\"></span>income<span class=\"_ _3eb\"> </span>Debt instruments held at amortised cost or held at FVOCI have contractual terms that give rise to cash flows that are solely payments of principal and interest (SPPI) <span class=\"_ _7\"></span>characteristics. In assessing whether the contractual cash <span class=\"_ _7\"></span>flows have SPPI characteristics, the Group considers <span class=\"_ _7\"></span>the contractual terms of the instrument. This includes assessing whether the <span class=\"_ _7\"></span>financial asset contains a contractual term that <span class=\"_ _7\"></span>could change the timing or amount of contractual cash flows such <span class=\"_ _7\"></span>that it would not meet this condition. <span class=\"_ _7\"></span>In making the assessment, the Group <span class=\"_ _7\"></span>considers: <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">Contingent events that would change the amount and timing of cash flows</span> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ls2\">Leverage features</span> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ls2\">Prepayment and extension terms</span> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">Terms that limit the Group\u2019s claim to cash flows from specified assets <span class=\"_ _7\"></span>(e.g. non-recourse asset arrangements) </span> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">Features that modify consideration of the time value of money \u2013 e.g. <span class=\"_ _7\"></span>periodical reset of interest rates<span class=\"_ _3eb\"> </span></span>Whether financial assets are held at <span class=\"_ _7\"></span>amortised cost or at FVOCI depends on <span class=\"_ _7\"></span>the objectives of the business models <span class=\"_ _7\"></span>under which the assets are held. A <span class=\"_ _7\"></span>business model refers to how the Group <span class=\"_ _7\"></span>manages financial assets to generate cash <span class=\"_ _7\"></span>flows.<span class=\"_ _3eb\"> </span>The Group makes an assessment of <span class=\"_ _7\"></span>the objective of a business model in <span class=\"_ _7\"></span>which an asset is held at <span class=\"_ _7\"></span>the individual product business line, and where applicable within <span class=\"_ _7\"></span>business lines depending on the way the <span class=\"_ _7\"></span>business is managed and information is<span class=\"_ gs36\"> </span>provided to management. Factors considered include: <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ls2\">How the performance of the product business line is evaluated and reported to the Group\u2019s management</span> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">How managers of the business model are compensated, including whether management is <span class=\"_ _7\"></span>compensated based </span>on<span class=\"_ gs36\"> </span>the<span class=\"_ gs36\"> </span>fair value of assets or the <span class=\"_ _7\"></span>contractual cash flows collected <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ls2\">The risks that affect the performance of the business model and how those risks are managed</span> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">The frequency, volume and timing of sales in prior periods, the reasons <span class=\"_ _7\"></span>for such sales and expectations about <span class=\"_ _7\"></span>future </span>sales<span class=\"_ gs36\"> </span>activity<span class=\"_ _3eb\"> </span>The Group\u2019s business model assessment is <span class=\"_ _7\"></span>as follows:<span class=\"_ _3eb\"> </span><table class=\"s w51a h23d\" id=\"_75439fb2-8a84-4a62-a7d1-71356f640b90\"><tr><td class=\"t m0 x9bc h4 y66c6 ff2 fs1 fc1 sc0 ls1 ws2\">Business </td><td class=\"t m0 x9bd h4 y66c6 ff2 fs1 fc1 sc0 ls1 ws2\">Business </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m0 x9bc h4 y66c7 ff5 fs1 fc1 sc0 ls1 ws2\">model<span class=\"_ _3eb\"> </span></td><td class=\"c n x9be y66c9 w51b h23e\"><div class=\"t m0 x1ed h4 y66c8 ff5 fs1 fc1 sc0 ls1 ws2\">objective<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9bf y66c9 w51c h23e\"><div class=\"t m0 x1ed h4 y66c8 ff5 fs1 fc1 sc0 ls1 ws2\">Characteristics<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n x9c0 y66c9 w51d h23e\"><div class=\"t m0 x1ed h4 y66c8 ff2 fs1 fc1 sc0 ls1 ws2\">Businesses<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n x9c1 y66c9 w15e h23e\"><div class=\"t m0 x1ed h4 y66c8 ff5 fs1 fc1 sc0 ls1 ws2\">Products<span class=\"_ _3eb\"> </span></div></td><td></td></tr><tr><td class=\"t m0 x9bc h20 y66ca ff6 fs2 fc3 sc0 ls2 ws0\">Hold to </td><td class=\"t m0 x9bd h9 y66ca ff1 fs2 fc3 sc0 ls2 ws0\">Intent is to </td><td class=\"c n x9c2 y66cb w51e h1ff\"><div class=\"t m0 x1ed h5 y66b5 ff1 fs2 fc3 sc0 ls0 ws0\">\u2022<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c3 y66cb w51f h23f\"><div class=\"t m0 x1ed h5 y66b5 ff4 fs2 fc3 sc0 ls2 ws1\">Providing financing and originating<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c4 y66cd w520 h1ff\"><div class=\"t m0 x1ed h9 y66cc ff1 fs2 fc3 sc0 ls0 ws0\">\u2022<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c5 y66cd w521 h201\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls2 ws0\">Global Banking<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c6 y66cd w520 h1ff\"><div class=\"t m0 x1ed h9 y66cc ff1 fs2 fc3 sc0 ls0 ws0\">\u2022<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c7 y66cd w522 h201\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls2 ws0\">Loans and<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x9bc h20 y66cf ff6 fs2 fc3 sc0 ls2 ws1\">collect<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x9bd h5 y66cf ff4 fs2 fc3 sc0 ls2 ws1\">originate financial </td><td class=\"t m0 x9c8 h9 y66cf ff1 fs2 fc3 sc0 ls2 ws0\" colspan=\"2\">assets to earn interest income as </td><td class=\"c n x9c4 y66d0 w520 h201\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls0 ws0\">\u2022<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c5 y66d0 w523 h201\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls2 ws1\">Transaction<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x9c9 h9 y66cf ff1 fs2 fc3 sc0 ls2 ws1\" colspan=\"2\">advances<span class=\"_ _3eb\"> </span></td></tr><tr><td></td><td class=\"t m0 x9bd h9 y66d1 ff1 fs2 fc3 sc0 ls2 ws0\">assets and hold </td><td class=\"t m0 x9c8 h9 y66d1 ff1 fs2 fc3 sc0 ls2 ws0\" colspan=\"2\">primary income stream<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x9ca h9 y66d2 ff1 fs2 fc3 sc0 ls2 ws1\" colspan=\"2\">Banking<span class=\"_ _3eb\"> </span></td><td class=\"c n x9c6 y66d3 w520 h203\"><div class=\"t m0 x1ed h5 y66b5 ff1 fs2 fc3 sc0 ls0 ws0\">\u2022<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c7 y66d3 w524 h239\"><div class=\"t m0 x1ed h5 y66b5 ff4 fs2 fc3 sc0 ls2 ws1\">Debt securities<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td class=\"t m0 x9bd h9 y66d4 ff1 fs2 fc3 sc0 ls2 ws0\">them to maturity, </td><td class=\"c n x9c2 y66d5 w51e h201\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls0 ws0\">\u2022<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c3 y66d5 w525 h201\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls2 ws0\">Performing credit risk management<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c4 y66d6 w520 h201\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls0 ws0\">\u2022<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c5 y66d6 w526 h201\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls2 ws0\">Retail Lending<span class=\"_ _3eb\"> </span></div></td><td></td><td></td></tr><tr><td></td><td class=\"t m0 x9bd h9 y66d7 ff1 fs2 fc3 sc0 ls2 ws0\">collecting the </td><td class=\"t m0 x9c8 h5 y66d8 ff4 fs2 fc3 sc0 ls2 ws1\" colspan=\"2\">activities<span class=\"_ _3eb\"> </span></td><td class=\"c n x9c4 y66d9 w520 h201\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls0 ws0\">\u2022<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c5 y66d9 w527 h201\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls2 ws1\">Treasury<span class=\"_ _3eb\"> </span></div></td><td></td><td></td></tr><tr><td></td><td class=\"t m0 x9bd h9 y66da ff1 fs2 fc3 sc0 ls2 ws0\">contractual cash </td><td class=\"c n x9c2 y66db w51e h201\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls0 ws0\">\u2022<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c3 y66db w528 h201\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls2 ws0\">Costs include funding costs, transaction</div></td><td class=\"t m0 x9ca h9 y66dc ff1 fs2 fc3 sc0 ls2 ws0\" colspan=\"2\">Markets (Loans </td><td></td><td></td></tr><tr><td></td><td class=\"t m0 x9bd h9 y66dd ff1 fs2 fc3 sc0 ls2 ws0\">flows over the term </td><td class=\"t m0 x9c8 h5 y66de ff4 fs2 fc3 sc0 ls2 ws1\" colspan=\"2\">costs and impairment losses<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x9ca h5 y66df ff4 fs2 fc3 sc0 ls2 ws1\" colspan=\"2\">and Borrowings)<span class=\"_ _3eb\"> </span></td><td></td><td></td></tr><tr><td></td><td class=\"t m0 x9bd h9 y66e0 ff1 fs2 fc3 sc0 ls2 ws0\">of the instrument<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"c n x9c4 y66e1 w520 h201\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls0 ws0\">\u2022<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c5 y66e1 w529 h201\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls2 ws0\">Global Markets<span class=\"_ _3eb\"> </span></div></td><td></td><td></td></tr><tr><td class=\"t m0 x9bc h20 y66e2 ff6 fs2 fc3 sc0 ls2 ws0\">Hold to </td><td class=\"t m0 x9bd h5 y66e2 ff4 fs2 fc3 sc0 ls2 ws1\">Business objective </td><td class=\"c n x9c2 y66e3 w51e h203\"><div class=\"t m0 x1ed h5 y66b5 ff1 fs2 fc3 sc0 ls0 ws0\">\u2022<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c3 y66e3 w525 h239\"><div class=\"t m0 x1ed h5 y66b5 ff4 fs2 fc3 sc0 ls2 ws1\">Portfolios held for liquidity needs; or<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c4 y66e4 w520 h201\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls0 ws0\">\u2022<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c5 y66e4 w527 h201\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls2 ws1\">Treasury<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c6 y66e3 w520 h203\"><div class=\"t m0 x1ed h5 y66b5 ff1 fs2 fc3 sc0 ls0 ws0\">\u2022<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c7 y66e3 w524 h239\"><div class=\"t m0 x1ed h5 y66b5 ff4 fs2 fc3 sc0 ls2 ws1\">Debt securities<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x9bc h20 y66e5 ff6 fs2 fc3 sc0 ls2 ws1\">collect </td><td class=\"t m0 x9bd h9 y66e5 ff1 fs2 fc3 sc0 ls2 ws0\">met through both </td><td class=\"t m0 x9c8 h9 y66e5 ff1 fs2 fc3 sc0 ls2 ws0\" colspan=\"2\">where a certain interest yield profile is </td><td class=\"t m0 x9ca h9 y66e5 ff1 fs2 fc3 sc0 ls2 ws1\" colspan=\"2\">Markets<span class=\"_ _3eb\"> </span></td><td></td><td></td></tr><tr><td class=\"t m0 x9bc h20 y66e6 ff7 fs2 fc3 sc0 ls2 ws1\">and<span class=\"_ gs36e\"> </span>sell<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x9bd h9 y66e6 ff1 fs2 fc3 sc0 ls2 ws0\">hold to collect and </td><td class=\"t m0 x9c8 h5 y66e6 ff4 fs2 fc3 sc0 ls2 ws1\" colspan=\"2\">maintained; or that are normally </td><td class=\"c n x9c4 y66e7 w520 h201\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls0 ws0\">\u2022<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c5 y66e7 w52a h201\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls2 ws0\">Central Credit<span class=\"_ _3eb\"> </span></div></td><td></td><td></td></tr><tr><td></td><td class=\"t m0 x9bd h5 y66e8 ff4 fs2 fc3 sc0 ls2 ws1\">by selling financial </td><td class=\"t m0 x9c8 h9 y66e8 ff1 fs2 fc3 sc0 ls2 ws0\" colspan=\"2\">rebalanced to achieve matching of </td><td class=\"t m0 x9ca h9 y66e9 ff1 fs2 fc3 sc0 ls2 ws1\" colspan=\"2\">Unit<span class=\"_ _3eb\"> </span></td><td></td><td></td></tr><tr><td></td><td class=\"t m0 x9bd h9 y66ea ff1 fs2 fc3 sc0 ls2 ws1\">assets<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x9c8 h5 y66ea ff4 fs2 fc3 sc0 ls2 ws1\" colspan=\"2\">duration of assets and liabilities<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"c n x9c2 y66eb w51e h201\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls0 ws0\">\u2022<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c3 y66eb w52b h201\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls2 ws0\">Income streams come from interest<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"t m0 x9c8 h9 y66ec ff1 fs2 fc3 sc0 ls2 ws0\" colspan=\"2\">income, fair value changes, and </td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"t m0 x9c8 h5 y66ed ff4 fs2 fc3 sc0 ls2 ws1\" colspan=\"2\">impairment losses<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m0 x9bc h20 y66ee ff6 fs2 fc3 sc0 ls2 ws0\">Fair value </td><td class=\"t m0 x9bd h9 y66ee ff1 fs2 fc3 sc0 ls2 ws0\">All other business </td><td class=\"c n x9c2 y66ef w51e h201\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls0 ws0\">\u2022<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c3 y66ef w52c h201\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls2 ws0\">Assets held for trading<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c4 y66ef w520 h201\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls0 ws0\">\u2022<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c5 y66ef w527 h201\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls2 ws1\">Treasury<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c6 y66f0 w520 h203\"><div class=\"t m0 x1ed h5 y66b5 ff1 fs2 fc3 sc0 ls0 ws0\">\u2022<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c7 y66f0 w52d h239\"><div class=\"t m0 x1ed h5 y66b5 ff4 fs2 fc3 sc0 ls2 ws1\">Derivatives<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x9bc h20 y66f1 ff6 fs2 fc3 sc0 ls2 ws1\">through </td><td class=\"t m0 x9bd h5 y66f1 ff4 fs2 fc3 sc0 ls2 ws1\">objectives, </td><td class=\"c n x9c2 y66f2 w51e h203\"><div class=\"t m0 x1ed h5 y66b5 ff1 fs2 fc3 sc0 ls0 ws0\">\u2022<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c3 y66f2 w52e h239\"><div class=\"t m0 x1ed h5 y66b5 ff4 fs2 fc3 sc0 ls2 ws1\">Assets that are originated, purchased,<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x9ca h9 y66f1 ff1 fs2 fc3 sc0 ls2 ws1\" colspan=\"2\">Markets<span class=\"_ _3eb\"> </span></td><td class=\"c n x9c6 y66f3 w520 h201\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls0 ws0\">\u2022<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c7 y66f3 w52f h201\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls2 ws0\">Equity shares<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x9bc h20 y66f4 ff6 fs2 fc3 sc0 ls2 ws1\">profit </td><td class=\"t m0 x9bd h5 y66f4 ff4 fs2 fc3 sc0 ls2 ws1\">including trading </td><td class=\"t m0 x9c8 h9 y66f5 ff1 fs2 fc3 sc0 ls2 ws0\" colspan=\"2\">and sold for profit taking or </td><td class=\"c n x9c4 y66f6 w520 h203\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls0 ws0\">\u2022<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c5 y66f6 w529 h203\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls2 ws0\">Global Markets<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c6 y66f7 w520 h203\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls0 ws0\">\u2022<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c7 y66f7 w530 h203\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls2 ws1\">Trading<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x9bc h20 y66f8 ff7 fs2 fc3 sc0 ls2 ws1\">or<span class=\"_ gs36e\"> </span>loss<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x9bd h9 y66f8 ff1 fs2 fc3 sc0 ls2 ws0\">and managing </td><td class=\"t m0 x9c8 h5 y66f9 ff4 fs2 fc3 sc0 ls2 ws1\" colspan=\"2\">underwriting activity<span class=\"_ _3eb\"> </span></td><td class=\"c n x9c4 y66fa w520 h203\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls0 ws0\">\u2022<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c5 y66fa w531 h203\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls2 ws0\">All other<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x9c9 h9 y66fb ff1 fs2 fc3 sc0 ls2 ws1\" colspan=\"2\">portfolios<span class=\"_ _3eb\"> </span></td></tr><tr><td></td><td class=\"t m0 x9bd h5 y66fc ff4 fs2 fc3 sc0 ls2 ws1\">financial assets on </td><td class=\"c n x9c2 y66fd w51e h203\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls0 ws0\">\u2022<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c3 y66fd w532 h203\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls2 ws0\">Performance of the portfolio is<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"t m0 x9ca h9 y66fe ff1 fs2 fc3 sc0 ls2 ws0\">business lines<span class=\"_ _3eb\"> </span></td><td class=\"c n x9c6 y66ff w520 h203\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls0 ws0\">\u2022<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c7 y66ff w533 h203\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls2 ws0\">Reverse repos<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td class=\"t m0 x9bd h9 y6700 ff1 fs2 fc3 sc0 ls2 ws0\">a fair value basis<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x9c8 h9 y6701 ff1 fs2 fc3 sc0 ls2 ws0\" colspan=\"2\">evaluated on a fair value basis<span class=\"_ _3eb\"> </span></td><td></td><td></td><td class=\"c n x9c6 y6702 w520 h203\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls0 ws0\">\u2022<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c7 y6702 w534 h203\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls2 ws0\">Bond and Loan<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td></td><td class=\"c n x9c2 y6703 w51e h203\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls0 ws0\">\u2022<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c3 y6703 w535 h203\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls2 ws0\">Income streams are from fair value<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td></td><td class=\"t m0 x9c9 h5 y6704 ff4 fs2 fc3 sc0 ls2 ws1\">Syndication<span class=\"_ _3eb\"> </span></td></tr><tr><td></td><td></td><td></td><td class=\"t m0 x9c8 h9 y6705 ff1 fs2 fc3 sc0 ls2 ws0\">changes or trading gains or losses<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td></tr></table>Financial assets which have SPPI characteristics <span class=\"_ _7\"></span>and that are held within a business <span class=\"_ _7\"></span>model whose objective is to hold financial assets to collect contractual cashflows <span class=\"_ _7\"></span>(hold to collect) are recorded at amortised <span class=\"_ _7\"></span>cost. Conversely, financial assets<span class=\"_ gs36\"> </span>which have SPPI characteristics but are <span class=\"_ _7\"></span>held within a business model whose objective <span class=\"_ _7\"></span>is achieved by both collecting contractual cashflows and selling financial assets <span class=\"_ _7\"></span>(Hold to collect and sell) are classified <span class=\"_ _7\"></span>as held at FVOCI. Both hold <span class=\"_ _7\"></span>to collect and hold to collect and <span class=\"_ _7\"></span>sell business models involve holding financial assets <span class=\"_ _7\"></span>to collect the contractual cashflows. However, the business models are distinct <span class=\"_ _7\"></span>by reference to the frequency and significance <span class=\"_ _7\"></span>that asset sales play in meeting the<span class=\"_ gs36\"> </span>objective under which <span class=\"_ _7\"></span>a particular group of <span class=\"_ _1b\"></span>financial assets is managed. Hold to <span class=\"_ _7\"></span>collect business models <span class=\"_ _7\"></span>are characterised by<span class=\"_ gs36\"> </span>asset sales that are incidental to <span class=\"_ _7\"></span>meeting the objectives under which a group <span class=\"_ _7\"></span>of assets is managed. Sales of <span class=\"_ _7\"></span>assets under a<span class=\"_ gs36\"> </span>hold to collect business model can <span class=\"_ _7\"></span>be made to manage increases in the <span class=\"_ _7\"></span>credit risk of financial assets but <span class=\"_ _7\"></span>sales for other reasons should be infrequent or insignificant. <span class=\"_ _7\"></span>Cashflows from the sale of financial assets <span class=\"_ _7\"></span>under a hold to collect and <span class=\"_ _7\"></span>sell business model by contrast are integral <span class=\"_ _7\"></span>to achieving the objectives under which a <span class=\"_ _7\"></span>particular group of financial assets are managed. This may be the case <span class=\"_ _7\"></span>where frequent sales of financial assets are <span class=\"_ _7\"></span>required to manage the Group\u2019s daily <span class=\"_ _7\"></span>liquidity requirements or to meet regulatory requirements <span class=\"_ _7\"></span>to demonstrate liquidity of financial instruments. Sales <span class=\"_ _7\"></span>of assets under hold<span class=\"_ gs36\"> </span>to collect and sell business models <span class=\"_ _7\"></span>are therefore both more frequent and more <span class=\"_ _7\"></span>significant in value than those under the<span class=\"_ gs36\"> </span>hold to collect model.<span class=\"_ _3eb\"> </span>Equity instruments <span class=\"_ _7\"></span>designated as <span class=\"_ _7\"></span>held at <span class=\"_ _7\"></span>FVOCI<span class=\"_ _3eb\"> </span>Non-trading equity instruments acquired for strategic purposes rather than capital gain may be irrevocably designated at initial recognition as held at FVOCI <span class=\"_ _7\"></span>on an instrument-by-instrument basis. Dividends received are <span class=\"_ _7\"></span>recognised in profit or loss. Gains and losses arising from changes <span class=\"_ _7\"></span>in the fair value of these instruments, <span class=\"_ _7\"></span>including foreign exchange gains and losses, are<span class=\"_ gs36\"> </span>recognised directly in equity and are <span class=\"_ _7\"></span>never reclassified to profit or loss even <span class=\"_ _7\"></span>on derecognition<span class=\"_ _3eb\"> </span>.<span class=\"_ _3eb\"> </span>Mandatorily classified <span class=\"_ _7\"></span>at fair <span class=\"_ _7\"></span>value through <span class=\"_ _7\"></span>profit or <span class=\"_ _7\"></span>loss<span class=\"_ _3eb\"> </span>Financial assets and liabilities which are <span class=\"_ _7\"></span>mandatorily held at fair value through profit <span class=\"_ _7\"></span>or loss are split between two subcategories as follows:<span class=\"_ _3eb\"> </span>Trading, including:  <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">Financial assets and liabilities held for trading, which are those acquired principally <span class=\"_ _7\"></span>for the purpose of selling </span>in<span class=\"_ gs36\"> </span>the<span class=\"_ gs36\"> </span>short-term <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">Derivatives.<span class=\"_ _3eb\"> </span></span>Non-trading mandatorily at fair value through <span class=\"_ _7\"></span>profit or loss, including: <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">Instruments in a business which has a fair value business model (see <span class=\"_ _7\"></span>the Group\u2019s business model assessment) which </span>are<span class=\"_ gs36\"> </span>not trading or derivatives <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">Hybrid financial assets that contain one or more embedded derivatives</span> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">Financial assets that would otherwise be measured at amortised cost or FVOCI <span class=\"_ _7\"></span>but which do not have SPPI <span class=\"_ _7\"></span>characteristics</span> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ls2\">Equity instruments that have not been designated as held at FVOCI</span> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">Financial liabilities that constitute contingent consideration in a business combination.<span class=\"_ _3eb\"> </span></span>Designated at <span class=\"_ _7\"></span>fair value <span class=\"_ _7\"></span>through profit <span class=\"_ _7\"></span>or loss<span class=\"_ _3eb\"> </span>Financial assets and liabilities may be <span class=\"_ _7\"></span>designated at fair value through profit or <span class=\"_ _7\"></span>loss when the designation eliminates or<span class=\"_ gs36\"> </span>significantly reduces a measurement or recognition <span class=\"_ _7\"></span>inconsistency that would otherwise arise from measuring <span class=\"_ _7\"></span>assets or<span class=\"_ gs36\"> </span>liabilities on a different basis (\u2018accounting <span class=\"_ _7\"></span>mismatch\u2019).<span class=\"_ _3eb\"> </span>Financial liabilities may also be designated <span class=\"_ _7\"></span>at fair value through profit or loss <span class=\"_ _7\"></span>where they are managed on a <span class=\"_ _7\"></span>fair value basis<span class=\"_ gs36\"> </span>or have an embedded derivative where <span class=\"_ _7\"></span>the Group is not able to separately <span class=\"_ _7\"></span>value, and thus bifurcate, the embedded derivative component.<span class=\"_ _3eb\"> </span>Financial liabilities <span class=\"_ _7\"></span>held at <span class=\"_ _7\"></span>amortised cost<span class=\"_ _3eb\"> </span>Financial liabilities that are not financial <span class=\"_ _7\"></span>guarantees or loan commitments and that are <span class=\"_ _7\"></span>not classified as financial liabilities held at fair value through profit <span class=\"_ _7\"></span>or loss are classified as financial liabilities <span class=\"_ _7\"></span>held at amortised cost.<span class=\"_ _3eb\"> </span>Preference shares which carry a mandatory coupon that represents a market rate of interest at the issue date, or which are<span class=\"_ gs36\"> </span>redeemable on a specific date or <span class=\"_ _7\"></span>at the option of the shareholder are <span class=\"_ _7\"></span>classified as financial liabilities and are <span class=\"_ _7\"></span>presented in<span class=\"_ gs36\"> </span>other borrowed funds. The dividends on <span class=\"_ _7\"></span>these preference shares are recognised in the <span class=\"_ _7\"></span>income statement as interest expense on an amortised cost basis <span class=\"_ _7\"></span>using the effective interest method.<span class=\"_ _3eb\"> </span>Financial guarantee <span class=\"_ _7\"></span>contracts and <span class=\"_ _7\"></span>loan commitments<span class=\"_ _3eb\"> </span>The Group issues financial guarantee contracts <span class=\"_ _7\"></span>and loan commitments in return for fees. <span class=\"_ _7\"></span>Financial guarantee contracts and<span class=\"_ gs36\"> </span>any loan commitments issued at below-market <span class=\"_ _7\"></span>interest rates are initially recognised at their <span class=\"_ _7\"></span>fair value as a financial liability and subsequently measured at the <span class=\"_ _7\"></span>higher of the initial value less the <span class=\"_ _7\"></span>cumulative amount of income recognised in<span class=\"_ gs36\"> </span>accordance with the principles of IFRS <span class=\"_ _7\"></span>15 Revenue from Contracts with Customers and <span class=\"_ _7\"></span>their expected credit loss provision. Loan commitments may be designated at fair value through profit or loss where that is the business model under which such<span class=\"_ gs36\"> </span>contracts are held.<span class=\"_ _3eb\"> </span>Fair value <span class=\"_ _7\"></span>of financial <span class=\"_ _7\"></span>assets and <span class=\"_ _7\"></span>liabilities<span class=\"_ _3eb\"> </span>The fair value of financial instruments <span class=\"_ _7\"></span>is generally measured on the basis of <span class=\"_ _7\"></span>the individual financial instrument. However, when a group of financial assets <span class=\"_ _7\"></span>and financial liabilities is managed on the <span class=\"_ _7\"></span>basis of its net exposure to <span class=\"_ _7\"></span>either market risk or<span class=\"_ gs36\"> </span>credit risk, the fair value of <span class=\"_ _7\"></span>the group of financial instruments is measured <span class=\"_ _7\"></span>on a net basis.<span class=\"_ _3eb\"> </span>The fair values of quoted financial <span class=\"_ _7\"></span>assets and liabilities in active markets are <span class=\"_ _7\"></span>based on current prices. A market <span class=\"_ _7\"></span>is regarded as<span class=\"_ gs36\"> </span>active if transactions <span class=\"_ _7\"></span>for the asset or <span class=\"_ _1b\"></span>liability take place with sufficient frequency <span class=\"_ _7\"></span>and volume to <span class=\"_ _7\"></span>provide pricing information on an ongoing basis. If the <span class=\"_ _7\"></span>market for a financial instrument, and for <span class=\"_ _7\"></span>unlisted securities, is not active, the <span class=\"_ _7\"></span>Group establishes fair value by using valuation techniques<span class=\"_ _3eb\"> </span>.<span class=\"_ _3eb\"> </span>Initial recognition<span class=\"_ _3eb\"> </span>Regular way purchases and sales of <span class=\"_ _7\"></span>financial assets held at fair value through <span class=\"_ _7\"></span>profit or loss, and held at <span class=\"_ _7\"></span>fair value through other comprehensive income, are initially recognised <span class=\"_ _7\"></span>on the trade date (the date on <span class=\"_ _7\"></span>which the Group commits to purchase or<span class=\"_ gs36\"> </span>sell the asset). Loans and advances <span class=\"_ _7\"></span>and other financial assets held at amortised <span class=\"_ _7\"></span>cost are recognised on the settlement date (the date on which cash <span class=\"_ _7\"></span>is advanced to the borrowers).<span class=\"_ _3eb\"> </span>All financial instruments are initially recognised <span class=\"_ _7\"></span>at fair value, which is normally the <span class=\"_ _7\"></span>transaction price, plus directly attributable transaction costs for financial assets and <span class=\"_ _7\"></span>liabilities which are not subsequently measured at <span class=\"_ _7\"></span>fair value through profit or loss.<span class=\"_ _3eb\"> </span>In certain circumstances, the initial fair <span class=\"_ _7\"></span>value may be based on a valuation <span class=\"_ _7\"></span>technique which may lead to the <span class=\"_ _7\"></span>recognition of profits or losses at the time <span class=\"_ _7\"></span>of initial recognition. However, these profits or <span class=\"_ _7\"></span>losses can only be recognised when <span class=\"_ _7\"></span>the valuation technique used is based solely on <span class=\"_ _7\"></span>observable market data. In those cases where <span class=\"_ _7\"></span>the initially recognised fair value is <span class=\"_ _7\"></span>based on<span class=\"_ gs36\"> </span>a valuation model that uses unobservable <span class=\"_ _7\"></span>inputs, the difference between the transaction price <span class=\"_ _7\"></span>and the valuation model is<span class=\"_ gs36\"> </span>not recognised immediately in the income <span class=\"_ _7\"></span>statement, it will be recognised in profit <span class=\"_ _7\"></span>or loss following the passage of <span class=\"_ _7\"></span>time, or<span class=\"_ gs36\"> </span>as the inputs become observable, or <span class=\"_ _7\"></span>the transaction matures or is terminated.<span class=\"_ _3eb\"> </span>Subsequent measurement<span class=\"_ _3eb\"> </span>Financial assets <span class=\"_ _7\"></span>and financial <span class=\"_ _7\"></span>liabilities held <span class=\"_ _7\"></span>at amortised <span class=\"_ _7\"></span>cost<span class=\"_ _3eb\"> </span>Financial assets and financial liabilities held <span class=\"_ _7\"></span>at amortised cost are subsequently carried at <span class=\"_ _7\"></span>amortised cost using the effective<span class=\"_ gs36\"> </span>interest method (see \u2018Interest income and <span class=\"_ _7\"></span>expense\u2019). Foreign exchange gains and losses are <span class=\"_ _7\"></span>recognised in the income statement.<span class=\"_ _3eb\"> </span>Where a financial instrument carried at <span class=\"_ _7\"></span>amortised cost is the hedged item in <span class=\"_ _7\"></span>a qualifying fair value hedge relationship, its<span class=\"_ gs36\"> </span>carrying value is adjusted by the <span class=\"_ _7\"></span>fair value gain or loss attributable to <span class=\"_ _7\"></span>the hedged risk.<span class=\"_ _3eb\"> </span>Financial assets <span class=\"_ _7\"></span>held at <span class=\"_ _7\"></span>FVOCI<span class=\"_ _3eb\"> </span>Debt instruments held at FVOCI are <span class=\"_ _7\"></span>subsequently carried at fair value, with all <span class=\"_ _7\"></span>unrealised gains and losses arising from changes in fair value recognised in <span class=\"_ _7\"></span>other comprehensive income and accumulated in a <span class=\"_ _7\"></span>separate component of equity. Foreign exchange gains and losses on <span class=\"_ _7\"></span>the amortised cost are recognised in income. <span class=\"_ _7\"></span>Changes in expected credit losses are recognised in the profit or loss <span class=\"_ _7\"></span>and are accumulated in equity. On derecognition, <span class=\"_ _7\"></span>the cumulative fair value gains or <span class=\"_ _7\"></span>losses, net<span class=\"_ gs36\"> </span>of the cumulative expected credit loss <span class=\"_ _7\"></span>reserve, are transferred to the profit or <span class=\"_ _7\"></span>loss. Equity investments designated at FVOCI are <span class=\"_ _7\"></span>subsequently carried at fair value with all <span class=\"_ _7\"></span>unrealised gains and losses arising from changes in fair value (including <span class=\"_ _7\"></span>any related foreign exchange gains or losses) <span class=\"_ _7\"></span>recognised in other comprehensive income and accumulated in a separate <span class=\"_ _7\"></span>component of equity. On derecognition, the cumulative <span class=\"_ _7\"></span>reserve is transferred to<span class=\"_ gs36\"> </span>retained earnings and is not recycled <span class=\"_ _7\"></span>to profit or loss.<span class=\"_ _3eb\"> </span>Financial assets <span class=\"_ _7\"></span>and liabilities <span class=\"_ _7\"></span>held at <span class=\"_ _7\"></span>fair value <span class=\"_ _7\"></span>through profit <span class=\"_ _7\"></span>or loss<span class=\"_ _3eb\"> </span>Gains and losses arising from changes <span class=\"_ _7\"></span>in fair value, including contractual interest income <span class=\"_ _7\"></span>or expense, recorded in the net trading income line in the profit <span class=\"_ _7\"></span>or loss. Derecognition of <span class=\"_ _7\"></span>financial instruments<span class=\"_ _3eb\"> </span>Financial assets which are subject to <span class=\"_ _7\"></span>commercial refinancing where the loan is priced <span class=\"_ _7\"></span>to the market with no payment <span class=\"_ _7\"></span>related concessions regardless of form of legal <span class=\"_ _7\"></span>documentation or nature of lending will be <span class=\"_ _7\"></span>derecognised. Where the Group\u2019s rights to<span class=\"_ gs36\"> </span>the cash flows under the original <span class=\"_ _7\"></span>contract have expired, the old loan is <span class=\"_ _7\"></span>derecognised, and the new loan is <span class=\"_ _7\"></span>recognised at fair value. For all other modifications <span class=\"_ _7\"></span>for example forborne loans or restructuring, whether <span class=\"_ _7\"></span>or not a change in the <span class=\"_ _7\"></span>cash flows is<span class=\"_ gs36\"> </span>\u2018substantially different\u2019 is judgemental and will <span class=\"_ _7\"></span>be considered on a case-by-case basis, taking <span class=\"_ _7\"></span>into account all the relevant facts and circumstances.<span class=\"_ _3eb\"> </span>On derecognition of a financial asset, <span class=\"_ _7\"></span>the difference between the carrying amount of <span class=\"_ _7\"></span>the asset (or the carrying amount allocated to the portion of the <span class=\"_ _7\"></span>asset derecognised) and the sum of the <span class=\"_ _7\"></span>consideration received (including any new asset obtained less any new liability assumed) <span class=\"_ _7\"></span>and any cumulative gain or loss that <span class=\"_ _7\"></span>had been recognised in other comprehensive income is recognised in profit or <span class=\"_ _7\"></span>loss except for equity instruments elected FVOCI <span class=\"_ _7\"></span>(see above) and cumulative fair value adjustments attributable to the credit risk <span class=\"_ _7\"></span>of a liability that are held in <span class=\"_ _7\"></span>other comprehensive income.<span class=\"_ _3eb\"> </span>Financial liabilities are derecognised when they <span class=\"_ _7\"></span>are extinguished. A financial liability is extinguished <span class=\"_ _7\"></span>when the obligation is<span class=\"_ gs36\"> </span>discharged, cancelled or expires and this <span class=\"_ _7\"></span>is evaluated both qualitatively and quantitatively. However, where a financial liability has <span class=\"_ _7\"></span>been modified, it is derecognised if the <span class=\"_ _7\"></span>difference between the modified cash flows and the original cash flows is <span class=\"_ _7\"></span>more than 10 per cent, or if <span class=\"_ _7\"></span>less than 10 per cent, the <span class=\"_ _7\"></span>Group will perform a qualitative assessment to determine whether the terms <span class=\"_ _7\"></span>of the two instruments are substantially different. <span class=\"_ _7\"></span>If the Group purchases its own<span class=\"_ gs36\"> </span>debt, it is derecognised and the <span class=\"_ _7\"></span>difference between the carrying amount of the <span class=\"_ _7\"></span>liability and the consideration paid is<span class=\"_ gs36\"> </span>included in \u2018Other income\u2019 except for <span class=\"_ _7\"></span>the cumulative fair value adjustments attributable to <span class=\"_ _7\"></span>the credit risk of a liability <span class=\"_ _7\"></span>that are<span class=\"_ gs36\"> </span>held in Other comprehensive income, which <span class=\"_ _7\"></span>are never recycled to the profit or <span class=\"_ _7\"></span>loss.<span class=\"_ _3eb\"> </span>Modified financial <span class=\"_ _7\"></span>instruments<span class=\"_ _3eb\"> </span>Financial assets and financial liabilities whose <span class=\"_ _7\"></span>original contractual terms have been modified, including <span class=\"_ _7\"></span>those loans subject to forbearance strategies, are considered to <span class=\"_ _7\"></span>be modified instruments. Modifications may include changes <span class=\"_ _7\"></span>to the tenor, cash<span class=\"_ gs36\"> </span>flows and or interest rates among <span class=\"_ _7\"></span>other factors. Where derecognition of financial assets is <span class=\"_ _7\"></span>appropriate (see Derecognition), the newly recognised residual <span class=\"_ _7\"></span>loans are assessed to determine whether the assets should <span class=\"_ _7\"></span>be classified as purchased or originated credit-impaired <span class=\"_ _7\"></span>assets (POCI). Where derecognition is not appropriate, the gross <span class=\"_ _7\"></span>carrying amount of the applicable instruments is <span class=\"_ _7\"></span>recalculated as the present value of the renegotiated or modified <span class=\"_ _7\"></span>contractual cash flows discounted at the original <span class=\"_ _7\"></span>effective interest rate (or credit adjusted effective interest rate for POCI <span class=\"_ _7\"></span>financial assets). The difference between the recalculated values <span class=\"_ _7\"></span>and the pre-modified gross carrying values of <span class=\"_ _7\"></span>the instruments are recorded as a modification gain or loss <span class=\"_ _7\"></span>in the profit or loss. Gains and <span class=\"_ _7\"></span>losses arising from modifications for credit <span class=\"_ _7\"></span>reasons are recorded as part of \u2018Credit Impairment\u2019 (see <span class=\"_ _7\"></span>Credit Impairment policy). Modification gains and losses arising from <span class=\"_ _7\"></span>non-credit reasons are recognised either as part <span class=\"_ _7\"></span>of \u2018Credit Impairment\u2019 or within<span class=\"_ gs36\"> </span>income depending on whether there has <span class=\"_ _7\"></span>been a change in the credit risk <span class=\"_ _7\"></span>on the financial asset subsequent to <span class=\"_ _7\"></span>the modification. Modification gains and losses arising <span class=\"_ _7\"></span>on financial liabilities are recognised within income. <span class=\"_ _7\"></span>The movements in<span class=\"_ gs36\"> </span>the applicable expected credit loss loan <span class=\"_ _7\"></span>positions are disclosed in further detail in <span class=\"_ _7\"></span>Risk Review.<span class=\"_ _3eb\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForFinancialAssetsExplanatory",
    "language": "en",
    "entity": "scheme:U4LOSYZ7YG4W3S5F2G91",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-710": {
   "value": "Accounting policy<span class=\"_ _3eb\"> </span>Financial assets <span class=\"_ _7\"></span>held at <span class=\"_ _7\"></span>amortised cost <span class=\"_ _7\"></span>and fair <span class=\"_ _7\"></span>value through <span class=\"_ _7\"></span>other comprehensive <span class=\"_ _7\"></span>income<span class=\"_ _3eb\"> </span>Debt instruments held at amortised cost or held at FVOCI have contractual terms that give rise to cash flows that are solely payments of principal and interest (SPPI) <span class=\"_ _7\"></span>characteristics. In assessing whether the contractual cash <span class=\"_ _7\"></span>flows have SPPI characteristics, the Group considers <span class=\"_ _7\"></span>the contractual terms of the instrument. This includes assessing whether the <span class=\"_ _7\"></span>financial asset contains a contractual term that <span class=\"_ _7\"></span>could change the timing or amount of contractual cash flows such <span class=\"_ _7\"></span>that it would not meet this condition. <span class=\"_ _7\"></span>In making the assessment, the Group <span class=\"_ _7\"></span>considers: <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">Contingent events that would change the amount and timing of cash flows</span> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ls2\">Leverage features</span> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ls2\">Prepayment and extension terms</span> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">Terms that limit the Group\u2019s claim to cash flows from specified assets <span class=\"_ _7\"></span>(e.g. non-recourse asset arrangements) </span> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">Features that modify consideration of the time value of money \u2013 e.g. <span class=\"_ _7\"></span>periodical reset of interest rates<span class=\"_ _3eb\"> </span></span>Whether financial assets are held at <span class=\"_ _7\"></span>amortised cost or at FVOCI depends on <span class=\"_ _7\"></span>the objectives of the business models <span class=\"_ _7\"></span>under which the assets are held. A <span class=\"_ _7\"></span>business model refers to how the Group <span class=\"_ _7\"></span>manages financial assets to generate cash <span class=\"_ _7\"></span>flows.<span class=\"_ _3eb\"> </span>The Group makes an assessment of <span class=\"_ _7\"></span>the objective of a business model in <span class=\"_ _7\"></span>which an asset is held at <span class=\"_ _7\"></span>the individual product business line, and where applicable within <span class=\"_ _7\"></span>business lines depending on the way the <span class=\"_ _7\"></span>business is managed and information is<span class=\"_ gs36\"> </span>provided to management. Factors considered include: <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ls2\">How the performance of the product business line is evaluated and reported to the Group\u2019s management</span> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">How managers of the business model are compensated, including whether management is <span class=\"_ _7\"></span>compensated based </span>on<span class=\"_ gs36\"> </span>the<span class=\"_ gs36\"> </span>fair value of assets or the <span class=\"_ _7\"></span>contractual cash flows collected <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ls2\">The risks that affect the performance of the business model and how those risks are managed</span> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">The frequency, volume and timing of sales in prior periods, the reasons <span class=\"_ _7\"></span>for such sales and expectations about <span class=\"_ _7\"></span>future </span>sales<span class=\"_ gs36\"> </span>activity<span class=\"_ _3eb\"> </span>The Group\u2019s business model assessment is <span class=\"_ _7\"></span>as follows:<span class=\"_ _3eb\"> </span><table class=\"s w51a h23d\" id=\"_75439fb2-8a84-4a62-a7d1-71356f640b90\"><tr><td class=\"t m0 x9bc h4 y66c6 ff2 fs1 fc1 sc0 ls1 ws2\">Business </td><td class=\"t m0 x9bd h4 y66c6 ff2 fs1 fc1 sc0 ls1 ws2\">Business </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m0 x9bc h4 y66c7 ff5 fs1 fc1 sc0 ls1 ws2\">model<span class=\"_ _3eb\"> </span></td><td class=\"c n x9be y66c9 w51b h23e\"><div class=\"t m0 x1ed h4 y66c8 ff5 fs1 fc1 sc0 ls1 ws2\">objective<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9bf y66c9 w51c h23e\"><div class=\"t m0 x1ed h4 y66c8 ff5 fs1 fc1 sc0 ls1 ws2\">Characteristics<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n x9c0 y66c9 w51d h23e\"><div class=\"t m0 x1ed h4 y66c8 ff2 fs1 fc1 sc0 ls1 ws2\">Businesses<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n x9c1 y66c9 w15e h23e\"><div class=\"t m0 x1ed h4 y66c8 ff5 fs1 fc1 sc0 ls1 ws2\">Products<span class=\"_ _3eb\"> </span></div></td><td></td></tr><tr><td class=\"t m0 x9bc h20 y66ca ff6 fs2 fc3 sc0 ls2 ws0\">Hold to </td><td class=\"t m0 x9bd h9 y66ca ff1 fs2 fc3 sc0 ls2 ws0\">Intent is to </td><td class=\"c n x9c2 y66cb w51e h1ff\"><div class=\"t m0 x1ed h5 y66b5 ff1 fs2 fc3 sc0 ls0 ws0\">\u2022<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c3 y66cb w51f h23f\"><div class=\"t m0 x1ed h5 y66b5 ff4 fs2 fc3 sc0 ls2 ws1\">Providing financing and originating<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c4 y66cd w520 h1ff\"><div class=\"t m0 x1ed h9 y66cc ff1 fs2 fc3 sc0 ls0 ws0\">\u2022<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c5 y66cd w521 h201\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls2 ws0\">Global Banking<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c6 y66cd w520 h1ff\"><div class=\"t m0 x1ed h9 y66cc ff1 fs2 fc3 sc0 ls0 ws0\">\u2022<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c7 y66cd w522 h201\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls2 ws0\">Loans and<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x9bc h20 y66cf ff6 fs2 fc3 sc0 ls2 ws1\">collect<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x9bd h5 y66cf ff4 fs2 fc3 sc0 ls2 ws1\">originate financial </td><td class=\"t m0 x9c8 h9 y66cf ff1 fs2 fc3 sc0 ls2 ws0\" colspan=\"2\">assets to earn interest income as </td><td class=\"c n x9c4 y66d0 w520 h201\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls0 ws0\">\u2022<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c5 y66d0 w523 h201\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls2 ws1\">Transaction<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x9c9 h9 y66cf ff1 fs2 fc3 sc0 ls2 ws1\" colspan=\"2\">advances<span class=\"_ _3eb\"> </span></td></tr><tr><td></td><td class=\"t m0 x9bd h9 y66d1 ff1 fs2 fc3 sc0 ls2 ws0\">assets and hold </td><td class=\"t m0 x9c8 h9 y66d1 ff1 fs2 fc3 sc0 ls2 ws0\" colspan=\"2\">primary income stream<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x9ca h9 y66d2 ff1 fs2 fc3 sc0 ls2 ws1\" colspan=\"2\">Banking<span class=\"_ _3eb\"> </span></td><td class=\"c n x9c6 y66d3 w520 h203\"><div class=\"t m0 x1ed h5 y66b5 ff1 fs2 fc3 sc0 ls0 ws0\">\u2022<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c7 y66d3 w524 h239\"><div class=\"t m0 x1ed h5 y66b5 ff4 fs2 fc3 sc0 ls2 ws1\">Debt securities<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td class=\"t m0 x9bd h9 y66d4 ff1 fs2 fc3 sc0 ls2 ws0\">them to maturity, </td><td class=\"c n x9c2 y66d5 w51e h201\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls0 ws0\">\u2022<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c3 y66d5 w525 h201\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls2 ws0\">Performing credit risk management<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c4 y66d6 w520 h201\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls0 ws0\">\u2022<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c5 y66d6 w526 h201\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls2 ws0\">Retail Lending<span class=\"_ _3eb\"> </span></div></td><td></td><td></td></tr><tr><td></td><td class=\"t m0 x9bd h9 y66d7 ff1 fs2 fc3 sc0 ls2 ws0\">collecting the </td><td class=\"t m0 x9c8 h5 y66d8 ff4 fs2 fc3 sc0 ls2 ws1\" colspan=\"2\">activities<span class=\"_ _3eb\"> </span></td><td class=\"c n x9c4 y66d9 w520 h201\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls0 ws0\">\u2022<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c5 y66d9 w527 h201\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls2 ws1\">Treasury<span class=\"_ _3eb\"> </span></div></td><td></td><td></td></tr><tr><td></td><td class=\"t m0 x9bd h9 y66da ff1 fs2 fc3 sc0 ls2 ws0\">contractual cash </td><td class=\"c n x9c2 y66db w51e h201\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls0 ws0\">\u2022<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c3 y66db w528 h201\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls2 ws0\">Costs include funding costs, transaction</div></td><td class=\"t m0 x9ca h9 y66dc ff1 fs2 fc3 sc0 ls2 ws0\" colspan=\"2\">Markets (Loans </td><td></td><td></td></tr><tr><td></td><td class=\"t m0 x9bd h9 y66dd ff1 fs2 fc3 sc0 ls2 ws0\">flows over the term </td><td class=\"t m0 x9c8 h5 y66de ff4 fs2 fc3 sc0 ls2 ws1\" colspan=\"2\">costs and impairment losses<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x9ca h5 y66df ff4 fs2 fc3 sc0 ls2 ws1\" colspan=\"2\">and Borrowings)<span class=\"_ _3eb\"> </span></td><td></td><td></td></tr><tr><td></td><td class=\"t m0 x9bd h9 y66e0 ff1 fs2 fc3 sc0 ls2 ws0\">of the instrument<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"c n x9c4 y66e1 w520 h201\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls0 ws0\">\u2022<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c5 y66e1 w529 h201\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls2 ws0\">Global Markets<span class=\"_ _3eb\"> </span></div></td><td></td><td></td></tr><tr><td class=\"t m0 x9bc h20 y66e2 ff6 fs2 fc3 sc0 ls2 ws0\">Hold to </td><td class=\"t m0 x9bd h5 y66e2 ff4 fs2 fc3 sc0 ls2 ws1\">Business objective </td><td class=\"c n x9c2 y66e3 w51e h203\"><div class=\"t m0 x1ed h5 y66b5 ff1 fs2 fc3 sc0 ls0 ws0\">\u2022<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c3 y66e3 w525 h239\"><div class=\"t m0 x1ed h5 y66b5 ff4 fs2 fc3 sc0 ls2 ws1\">Portfolios held for liquidity needs; or<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c4 y66e4 w520 h201\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls0 ws0\">\u2022<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c5 y66e4 w527 h201\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls2 ws1\">Treasury<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c6 y66e3 w520 h203\"><div class=\"t m0 x1ed h5 y66b5 ff1 fs2 fc3 sc0 ls0 ws0\">\u2022<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c7 y66e3 w524 h239\"><div class=\"t m0 x1ed h5 y66b5 ff4 fs2 fc3 sc0 ls2 ws1\">Debt securities<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x9bc h20 y66e5 ff6 fs2 fc3 sc0 ls2 ws1\">collect </td><td class=\"t m0 x9bd h9 y66e5 ff1 fs2 fc3 sc0 ls2 ws0\">met through both </td><td class=\"t m0 x9c8 h9 y66e5 ff1 fs2 fc3 sc0 ls2 ws0\" colspan=\"2\">where a certain interest yield profile is </td><td class=\"t m0 x9ca h9 y66e5 ff1 fs2 fc3 sc0 ls2 ws1\" colspan=\"2\">Markets<span class=\"_ _3eb\"> </span></td><td></td><td></td></tr><tr><td class=\"t m0 x9bc h20 y66e6 ff7 fs2 fc3 sc0 ls2 ws1\">and<span class=\"_ gs36e\"> </span>sell<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x9bd h9 y66e6 ff1 fs2 fc3 sc0 ls2 ws0\">hold to collect and </td><td class=\"t m0 x9c8 h5 y66e6 ff4 fs2 fc3 sc0 ls2 ws1\" colspan=\"2\">maintained; or that are normally </td><td class=\"c n x9c4 y66e7 w520 h201\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls0 ws0\">\u2022<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c5 y66e7 w52a h201\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls2 ws0\">Central Credit<span class=\"_ _3eb\"> </span></div></td><td></td><td></td></tr><tr><td></td><td class=\"t m0 x9bd h5 y66e8 ff4 fs2 fc3 sc0 ls2 ws1\">by selling financial </td><td class=\"t m0 x9c8 h9 y66e8 ff1 fs2 fc3 sc0 ls2 ws0\" colspan=\"2\">rebalanced to achieve matching of </td><td class=\"t m0 x9ca h9 y66e9 ff1 fs2 fc3 sc0 ls2 ws1\" colspan=\"2\">Unit<span class=\"_ _3eb\"> </span></td><td></td><td></td></tr><tr><td></td><td class=\"t m0 x9bd h9 y66ea ff1 fs2 fc3 sc0 ls2 ws1\">assets<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x9c8 h5 y66ea ff4 fs2 fc3 sc0 ls2 ws1\" colspan=\"2\">duration of assets and liabilities<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"c n x9c2 y66eb w51e h201\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls0 ws0\">\u2022<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c3 y66eb w52b h201\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls2 ws0\">Income streams come from interest<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"t m0 x9c8 h9 y66ec ff1 fs2 fc3 sc0 ls2 ws0\" colspan=\"2\">income, fair value changes, and </td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"t m0 x9c8 h5 y66ed ff4 fs2 fc3 sc0 ls2 ws1\" colspan=\"2\">impairment losses<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m0 x9bc h20 y66ee ff6 fs2 fc3 sc0 ls2 ws0\">Fair value </td><td class=\"t m0 x9bd h9 y66ee ff1 fs2 fc3 sc0 ls2 ws0\">All other business </td><td class=\"c n x9c2 y66ef w51e h201\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls0 ws0\">\u2022<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c3 y66ef w52c h201\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls2 ws0\">Assets held for trading<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c4 y66ef w520 h201\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls0 ws0\">\u2022<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c5 y66ef w527 h201\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls2 ws1\">Treasury<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c6 y66f0 w520 h203\"><div class=\"t m0 x1ed h5 y66b5 ff1 fs2 fc3 sc0 ls0 ws0\">\u2022<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c7 y66f0 w52d h239\"><div class=\"t m0 x1ed h5 y66b5 ff4 fs2 fc3 sc0 ls2 ws1\">Derivatives<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x9bc h20 y66f1 ff6 fs2 fc3 sc0 ls2 ws1\">through </td><td class=\"t m0 x9bd h5 y66f1 ff4 fs2 fc3 sc0 ls2 ws1\">objectives, </td><td class=\"c n x9c2 y66f2 w51e h203\"><div class=\"t m0 x1ed h5 y66b5 ff1 fs2 fc3 sc0 ls0 ws0\">\u2022<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c3 y66f2 w52e h239\"><div class=\"t m0 x1ed h5 y66b5 ff4 fs2 fc3 sc0 ls2 ws1\">Assets that are originated, purchased,<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x9ca h9 y66f1 ff1 fs2 fc3 sc0 ls2 ws1\" colspan=\"2\">Markets<span class=\"_ _3eb\"> </span></td><td class=\"c n x9c6 y66f3 w520 h201\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls0 ws0\">\u2022<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c7 y66f3 w52f h201\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls2 ws0\">Equity shares<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x9bc h20 y66f4 ff6 fs2 fc3 sc0 ls2 ws1\">profit </td><td class=\"t m0 x9bd h5 y66f4 ff4 fs2 fc3 sc0 ls2 ws1\">including trading </td><td class=\"t m0 x9c8 h9 y66f5 ff1 fs2 fc3 sc0 ls2 ws0\" colspan=\"2\">and sold for profit taking or </td><td class=\"c n x9c4 y66f6 w520 h203\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls0 ws0\">\u2022<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c5 y66f6 w529 h203\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls2 ws0\">Global Markets<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c6 y66f7 w520 h203\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls0 ws0\">\u2022<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c7 y66f7 w530 h203\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls2 ws1\">Trading<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x9bc h20 y66f8 ff7 fs2 fc3 sc0 ls2 ws1\">or<span class=\"_ gs36e\"> </span>loss<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x9bd h9 y66f8 ff1 fs2 fc3 sc0 ls2 ws0\">and managing </td><td class=\"t m0 x9c8 h5 y66f9 ff4 fs2 fc3 sc0 ls2 ws1\" colspan=\"2\">underwriting activity<span class=\"_ _3eb\"> </span></td><td class=\"c n x9c4 y66fa w520 h203\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls0 ws0\">\u2022<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c5 y66fa w531 h203\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls2 ws0\">All other<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x9c9 h9 y66fb ff1 fs2 fc3 sc0 ls2 ws1\" colspan=\"2\">portfolios<span class=\"_ _3eb\"> </span></td></tr><tr><td></td><td class=\"t m0 x9bd h5 y66fc ff4 fs2 fc3 sc0 ls2 ws1\">financial assets on </td><td class=\"c n x9c2 y66fd w51e h203\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls0 ws0\">\u2022<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c3 y66fd w532 h203\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls2 ws0\">Performance of the portfolio is<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"t m0 x9ca h9 y66fe ff1 fs2 fc3 sc0 ls2 ws0\">business lines<span class=\"_ _3eb\"> </span></td><td class=\"c n x9c6 y66ff w520 h203\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls0 ws0\">\u2022<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c7 y66ff w533 h203\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls2 ws0\">Reverse repos<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td class=\"t m0 x9bd h9 y6700 ff1 fs2 fc3 sc0 ls2 ws0\">a fair value basis<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x9c8 h9 y6701 ff1 fs2 fc3 sc0 ls2 ws0\" colspan=\"2\">evaluated on a fair value basis<span class=\"_ _3eb\"> </span></td><td></td><td></td><td class=\"c n x9c6 y6702 w520 h203\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls0 ws0\">\u2022<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c7 y6702 w534 h203\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls2 ws0\">Bond and Loan<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td></td><td class=\"c n x9c2 y6703 w51e h203\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls0 ws0\">\u2022<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9c3 y6703 w535 h203\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls2 ws0\">Income streams are from fair value<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td></td><td class=\"t m0 x9c9 h5 y6704 ff4 fs2 fc3 sc0 ls2 ws1\">Syndication<span class=\"_ _3eb\"> </span></td></tr><tr><td></td><td></td><td></td><td class=\"t m0 x9c8 h9 y6705 ff1 fs2 fc3 sc0 ls2 ws0\">changes or trading gains or losses<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td></tr></table>Financial assets which have SPPI characteristics <span class=\"_ _7\"></span>and that are held within a business <span class=\"_ _7\"></span>model whose objective is to hold financial assets to collect contractual cashflows <span class=\"_ _7\"></span>(hold to collect) are recorded at amortised <span class=\"_ _7\"></span>cost. Conversely, financial assets<span class=\"_ gs36\"> </span>which have SPPI characteristics but are <span class=\"_ _7\"></span>held within a business model whose objective <span class=\"_ _7\"></span>is achieved by both collecting contractual cashflows and selling financial assets <span class=\"_ _7\"></span>(Hold to collect and sell) are classified <span class=\"_ _7\"></span>as held at FVOCI. Both hold <span class=\"_ _7\"></span>to collect and hold to collect and <span class=\"_ _7\"></span>sell business models involve holding financial assets <span class=\"_ _7\"></span>to collect the contractual cashflows. However, the business models are distinct <span class=\"_ _7\"></span>by reference to the frequency and significance <span class=\"_ _7\"></span>that asset sales play in meeting the<span class=\"_ gs36\"> </span>objective under which <span class=\"_ _7\"></span>a particular group of <span class=\"_ _1b\"></span>financial assets is managed. Hold to <span class=\"_ _7\"></span>collect business models <span class=\"_ _7\"></span>are characterised by<span class=\"_ gs36\"> </span>asset sales that are incidental to <span class=\"_ _7\"></span>meeting the objectives under which a group <span class=\"_ _7\"></span>of assets is managed. Sales of <span class=\"_ _7\"></span>assets under a<span class=\"_ gs36\"> </span>hold to collect business model can <span class=\"_ _7\"></span>be made to manage increases in the <span class=\"_ _7\"></span>credit risk of financial assets but <span class=\"_ _7\"></span>sales for other reasons should be infrequent or insignificant. <span class=\"_ _7\"></span>Cashflows from the sale of financial assets <span class=\"_ _7\"></span>under a hold to collect and <span class=\"_ _7\"></span>sell business model by contrast are integral <span class=\"_ _7\"></span>to achieving the objectives under which a <span class=\"_ _7\"></span>particular group of financial assets are managed. This may be the case <span class=\"_ _7\"></span>where frequent sales of financial assets are <span class=\"_ _7\"></span>required to manage the Group\u2019s daily <span class=\"_ _7\"></span>liquidity requirements or to meet regulatory requirements <span class=\"_ _7\"></span>to demonstrate liquidity of financial instruments. Sales <span class=\"_ _7\"></span>of assets under hold<span class=\"_ gs36\"> </span>to collect and sell business models <span class=\"_ _7\"></span>are therefore both more frequent and more <span class=\"_ _7\"></span>significant in value than those under the<span class=\"_ gs36\"> </span>hold to collect model.<span class=\"_ _3eb\"> </span>Equity instruments <span class=\"_ _7\"></span>designated as <span class=\"_ _7\"></span>held at <span class=\"_ _7\"></span>FVOCI<span class=\"_ _3eb\"> </span>Non-trading equity instruments acquired for strategic purposes rather than capital gain may be irrevocably designated at initial recognition as held at FVOCI <span class=\"_ _7\"></span>on an instrument-by-instrument basis. Dividends received are <span class=\"_ _7\"></span>recognised in profit or loss. Gains and losses arising from changes <span class=\"_ _7\"></span>in the fair value of these instruments, <span class=\"_ _7\"></span>including foreign exchange gains and losses, are<span class=\"_ gs36\"> </span>recognised directly in equity and are <span class=\"_ _7\"></span>never reclassified to profit or loss even <span class=\"_ _7\"></span>on derecognition<span class=\"_ _3eb\"> </span>.<span class=\"_ _3eb\"> </span>Mandatorily classified <span class=\"_ _7\"></span>at fair <span class=\"_ _7\"></span>value through <span class=\"_ _7\"></span>profit or <span class=\"_ _7\"></span>loss<span class=\"_ _3eb\"> </span>Financial assets and liabilities which are <span class=\"_ _7\"></span>mandatorily held at fair value through profit <span class=\"_ _7\"></span>or loss are split between two subcategories as follows:<span class=\"_ _3eb\"> </span>Trading, including:  <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">Financial assets and liabilities held for trading, which are those acquired principally <span class=\"_ _7\"></span>for the purpose of selling </span>in<span class=\"_ gs36\"> </span>the<span class=\"_ gs36\"> </span>short-term <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">Derivatives.<span class=\"_ _3eb\"> </span></span>Non-trading mandatorily at fair value through <span class=\"_ _7\"></span>profit or loss, including: <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">Instruments in a business which has a fair value business model (see <span class=\"_ _7\"></span>the Group\u2019s business model assessment) which </span>are<span class=\"_ gs36\"> </span>not trading or derivatives <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">Hybrid financial assets that contain one or more embedded derivatives</span> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">Financial assets that would otherwise be measured at amortised cost or FVOCI <span class=\"_ _7\"></span>but which do not have SPPI <span class=\"_ _7\"></span>characteristics</span> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ls2\">Equity instruments that have not been designated as held at FVOCI</span> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">Financial liabilities that constitute contingent consideration in a business combination.<span class=\"_ _3eb\"> </span></span>Designated at <span class=\"_ _7\"></span>fair value <span class=\"_ _7\"></span>through profit <span class=\"_ _7\"></span>or loss<span class=\"_ _3eb\"> </span>Financial assets and liabilities may be <span class=\"_ _7\"></span>designated at fair value through profit or <span class=\"_ _7\"></span>loss when the designation eliminates or<span class=\"_ gs36\"> </span>significantly reduces a measurement or recognition <span class=\"_ _7\"></span>inconsistency that would otherwise arise from measuring <span class=\"_ _7\"></span>assets or<span class=\"_ gs36\"> </span>liabilities on a different basis (\u2018accounting <span class=\"_ _7\"></span>mismatch\u2019).<span class=\"_ _3eb\"> </span>Financial liabilities may also be designated <span class=\"_ _7\"></span>at fair value through profit or loss <span class=\"_ _7\"></span>where they are managed on a <span class=\"_ _7\"></span>fair value basis<span class=\"_ gs36\"> </span>or have an embedded derivative where <span class=\"_ _7\"></span>the Group is not able to separately <span class=\"_ _7\"></span>value, and thus bifurcate, the embedded derivative component.<span class=\"_ _3eb\"> </span>Financial liabilities <span class=\"_ _7\"></span>held at <span class=\"_ _7\"></span>amortised cost<span class=\"_ _3eb\"> </span>Financial liabilities that are not financial <span class=\"_ _7\"></span>guarantees or loan commitments and that are <span class=\"_ _7\"></span>not classified as financial liabilities held at fair value through profit <span class=\"_ _7\"></span>or loss are classified as financial liabilities <span class=\"_ _7\"></span>held at amortised cost.<span class=\"_ _3eb\"> </span>Preference shares which carry a mandatory coupon that represents a market rate of interest at the issue date, or which are<span class=\"_ gs36\"> </span>redeemable on a specific date or <span class=\"_ _7\"></span>at the option of the shareholder are <span class=\"_ _7\"></span>classified as financial liabilities and are <span class=\"_ _7\"></span>presented in<span class=\"_ gs36\"> </span>other borrowed funds. The dividends on <span class=\"_ _7\"></span>these preference shares are recognised in the <span class=\"_ _7\"></span>income statement as interest expense on an amortised cost basis <span class=\"_ _7\"></span>using the effective interest method.<span class=\"_ _3eb\"> </span>Financial guarantee <span class=\"_ _7\"></span>contracts and <span class=\"_ _7\"></span>loan commitments<span class=\"_ _3eb\"> </span>The Group issues financial guarantee contracts <span class=\"_ _7\"></span>and loan commitments in return for fees. <span class=\"_ _7\"></span>Financial guarantee contracts and<span class=\"_ gs36\"> </span>any loan commitments issued at below-market <span class=\"_ _7\"></span>interest rates are initially recognised at their <span class=\"_ _7\"></span>fair value as a financial liability and subsequently measured at the <span class=\"_ _7\"></span>higher of the initial value less the <span class=\"_ _7\"></span>cumulative amount of income recognised in<span class=\"_ gs36\"> </span>accordance with the principles of IFRS <span class=\"_ _7\"></span>15 Revenue from Contracts with Customers and <span class=\"_ _7\"></span>their expected credit loss provision. Loan commitments may be designated at fair value through profit or loss where that is the business model under which such<span class=\"_ gs36\"> </span>contracts are held.<span class=\"_ _3eb\"> </span>Fair value <span class=\"_ _7\"></span>of financial <span class=\"_ _7\"></span>assets and <span class=\"_ _7\"></span>liabilities<span class=\"_ _3eb\"> </span>The fair value of financial instruments <span class=\"_ _7\"></span>is generally measured on the basis of <span class=\"_ _7\"></span>the individual financial instrument. However, when a group of financial assets <span class=\"_ _7\"></span>and financial liabilities is managed on the <span class=\"_ _7\"></span>basis of its net exposure to <span class=\"_ _7\"></span>either market risk or<span class=\"_ gs36\"> </span>credit risk, the fair value of <span class=\"_ _7\"></span>the group of financial instruments is measured <span class=\"_ _7\"></span>on a net basis.<span class=\"_ _3eb\"> </span>The fair values of quoted financial <span class=\"_ _7\"></span>assets and liabilities in active markets are <span class=\"_ _7\"></span>based on current prices. A market <span class=\"_ _7\"></span>is regarded as<span class=\"_ gs36\"> </span>active if transactions <span class=\"_ _7\"></span>for the asset or <span class=\"_ _1b\"></span>liability take place with sufficient frequency <span class=\"_ _7\"></span>and volume to <span class=\"_ _7\"></span>provide pricing information on an ongoing basis. If the <span class=\"_ _7\"></span>market for a financial instrument, and for <span class=\"_ _7\"></span>unlisted securities, is not active, the <span class=\"_ _7\"></span>Group establishes fair value by using valuation techniques<span class=\"_ _3eb\"> </span>.<span class=\"_ _3eb\"> </span>Initial recognition<span class=\"_ _3eb\"> </span>Regular way purchases and sales of <span class=\"_ _7\"></span>financial assets held at fair value through <span class=\"_ _7\"></span>profit or loss, and held at <span class=\"_ _7\"></span>fair value through other comprehensive income, are initially recognised <span class=\"_ _7\"></span>on the trade date (the date on <span class=\"_ _7\"></span>which the Group commits to purchase or<span class=\"_ gs36\"> </span>sell the asset). Loans and advances <span class=\"_ _7\"></span>and other financial assets held at amortised <span class=\"_ _7\"></span>cost are recognised on the settlement date (the date on which cash <span class=\"_ _7\"></span>is advanced to the borrowers).<span class=\"_ _3eb\"> </span>All financial instruments are initially recognised <span class=\"_ _7\"></span>at fair value, which is normally the <span class=\"_ _7\"></span>transaction price, plus directly attributable transaction costs for financial assets and <span class=\"_ _7\"></span>liabilities which are not subsequently measured at <span class=\"_ _7\"></span>fair value through profit or loss.<span class=\"_ _3eb\"> </span>In certain circumstances, the initial fair <span class=\"_ _7\"></span>value may be based on a valuation <span class=\"_ _7\"></span>technique which may lead to the <span class=\"_ _7\"></span>recognition of profits or losses at the time <span class=\"_ _7\"></span>of initial recognition. However, these profits or <span class=\"_ _7\"></span>losses can only be recognised when <span class=\"_ _7\"></span>the valuation technique used is based solely on <span class=\"_ _7\"></span>observable market data. In those cases where <span class=\"_ _7\"></span>the initially recognised fair value is <span class=\"_ _7\"></span>based on<span class=\"_ gs36\"> </span>a valuation model that uses unobservable <span class=\"_ _7\"></span>inputs, the difference between the transaction price <span class=\"_ _7\"></span>and the valuation model is<span class=\"_ gs36\"> </span>not recognised immediately in the income <span class=\"_ _7\"></span>statement, it will be recognised in profit <span class=\"_ _7\"></span>or loss following the passage of <span class=\"_ _7\"></span>time, or<span class=\"_ gs36\"> </span>as the inputs become observable, or <span class=\"_ _7\"></span>the transaction matures or is terminated.<span class=\"_ _3eb\"> </span>Subsequent measurement<span class=\"_ _3eb\"> </span>Financial assets <span class=\"_ _7\"></span>and financial <span class=\"_ _7\"></span>liabilities held <span class=\"_ _7\"></span>at amortised <span class=\"_ _7\"></span>cost<span class=\"_ _3eb\"> </span>Financial assets and financial liabilities held <span class=\"_ _7\"></span>at amortised cost are subsequently carried at <span class=\"_ _7\"></span>amortised cost using the effective<span class=\"_ gs36\"> </span>interest method (see \u2018Interest income and <span class=\"_ _7\"></span>expense\u2019). Foreign exchange gains and losses are <span class=\"_ _7\"></span>recognised in the income statement.<span class=\"_ _3eb\"> </span>Where a financial instrument carried at <span class=\"_ _7\"></span>amortised cost is the hedged item in <span class=\"_ _7\"></span>a qualifying fair value hedge relationship, its<span class=\"_ gs36\"> </span>carrying value is adjusted by the <span class=\"_ _7\"></span>fair value gain or loss attributable to <span class=\"_ _7\"></span>the hedged risk.<span class=\"_ _3eb\"> </span>Financial assets <span class=\"_ _7\"></span>held at <span class=\"_ _7\"></span>FVOCI<span class=\"_ _3eb\"> </span>Debt instruments held at FVOCI are <span class=\"_ _7\"></span>subsequently carried at fair value, with all <span class=\"_ _7\"></span>unrealised gains and losses arising from changes in fair value recognised in <span class=\"_ _7\"></span>other comprehensive income and accumulated in a <span class=\"_ _7\"></span>separate component of equity. Foreign exchange gains and losses on <span class=\"_ _7\"></span>the amortised cost are recognised in income. <span class=\"_ _7\"></span>Changes in expected credit losses are recognised in the profit or loss <span class=\"_ _7\"></span>and are accumulated in equity. On derecognition, <span class=\"_ _7\"></span>the cumulative fair value gains or <span class=\"_ _7\"></span>losses, net<span class=\"_ gs36\"> </span>of the cumulative expected credit loss <span class=\"_ _7\"></span>reserve, are transferred to the profit or <span class=\"_ _7\"></span>loss. Equity investments designated at FVOCI are <span class=\"_ _7\"></span>subsequently carried at fair value with all <span class=\"_ _7\"></span>unrealised gains and losses arising from changes in fair value (including <span class=\"_ _7\"></span>any related foreign exchange gains or losses) <span class=\"_ _7\"></span>recognised in other comprehensive income and accumulated in a separate <span class=\"_ _7\"></span>component of equity. On derecognition, the cumulative <span class=\"_ _7\"></span>reserve is transferred to<span class=\"_ gs36\"> </span>retained earnings and is not recycled <span class=\"_ _7\"></span>to profit or loss.<span class=\"_ _3eb\"> </span>Financial assets <span class=\"_ _7\"></span>and liabilities <span class=\"_ _7\"></span>held at <span class=\"_ _7\"></span>fair value <span class=\"_ _7\"></span>through profit <span class=\"_ _7\"></span>or loss<span class=\"_ _3eb\"> </span>Gains and losses arising from changes <span class=\"_ _7\"></span>in fair value, including contractual interest income <span class=\"_ _7\"></span>or expense, recorded in the net trading income line in the profit <span class=\"_ _7\"></span>or loss. Derecognition of <span class=\"_ _7\"></span>financial instruments<span class=\"_ _3eb\"> </span>Financial assets which are subject to <span class=\"_ _7\"></span>commercial refinancing where the loan is priced <span class=\"_ _7\"></span>to the market with no payment <span class=\"_ _7\"></span>related concessions regardless of form of legal <span class=\"_ _7\"></span>documentation or nature of lending will be <span class=\"_ _7\"></span>derecognised. Where the Group\u2019s rights to<span class=\"_ gs36\"> </span>the cash flows under the original <span class=\"_ _7\"></span>contract have expired, the old loan is <span class=\"_ _7\"></span>derecognised, and the new loan is <span class=\"_ _7\"></span>recognised at fair value. For all other modifications <span class=\"_ _7\"></span>for example forborne loans or restructuring, whether <span class=\"_ _7\"></span>or not a change in the <span class=\"_ _7\"></span>cash flows is<span class=\"_ gs36\"> </span>\u2018substantially different\u2019 is judgemental and will <span class=\"_ _7\"></span>be considered on a case-by-case basis, taking <span class=\"_ _7\"></span>into account all the relevant facts and circumstances.<span class=\"_ _3eb\"> </span>On derecognition of a financial asset, <span class=\"_ _7\"></span>the difference between the carrying amount of <span class=\"_ _7\"></span>the asset (or the carrying amount allocated to the portion of the <span class=\"_ _7\"></span>asset derecognised) and the sum of the <span class=\"_ _7\"></span>consideration received (including any new asset obtained less any new liability assumed) <span class=\"_ _7\"></span>and any cumulative gain or loss that <span class=\"_ _7\"></span>had been recognised in other comprehensive income is recognised in profit or <span class=\"_ _7\"></span>loss except for equity instruments elected FVOCI <span class=\"_ _7\"></span>(see above) and cumulative fair value adjustments attributable to the credit risk <span class=\"_ _7\"></span>of a liability that are held in <span class=\"_ _7\"></span>other comprehensive income.<span class=\"_ _3eb\"> </span>Financial liabilities are derecognised when they <span class=\"_ _7\"></span>are extinguished. A financial liability is extinguished <span class=\"_ _7\"></span>when the obligation is<span class=\"_ gs36\"> </span>discharged, cancelled or expires and this <span class=\"_ _7\"></span>is evaluated both qualitatively and quantitatively. However, where a financial liability has <span class=\"_ _7\"></span>been modified, it is derecognised if the <span class=\"_ _7\"></span>difference between the modified cash flows and the original cash flows is <span class=\"_ _7\"></span>more than 10 per cent, or if <span class=\"_ _7\"></span>less than 10 per cent, the <span class=\"_ _7\"></span>Group will perform a qualitative assessment to determine whether the terms <span class=\"_ _7\"></span>of the two instruments are substantially different. <span class=\"_ _7\"></span>If the Group purchases its own<span class=\"_ gs36\"> </span>debt, it is derecognised and the <span class=\"_ _7\"></span>difference between the carrying amount of the <span class=\"_ _7\"></span>liability and the consideration paid is<span class=\"_ gs36\"> </span>included in \u2018Other income\u2019 except for <span class=\"_ _7\"></span>the cumulative fair value adjustments attributable to <span class=\"_ _7\"></span>the credit risk of a liability <span class=\"_ _7\"></span>that are<span class=\"_ gs36\"> </span>held in Other comprehensive income, which <span class=\"_ _7\"></span>are never recycled to the profit or <span class=\"_ _7\"></span>loss.<span class=\"_ _3eb\"> </span>Modified financial <span class=\"_ _7\"></span>instruments<span class=\"_ _3eb\"> </span>Financial assets and financial liabilities whose <span class=\"_ _7\"></span>original contractual terms have been modified, including <span class=\"_ _7\"></span>those loans subject to forbearance strategies, are considered to <span class=\"_ _7\"></span>be modified instruments. Modifications may include changes <span class=\"_ _7\"></span>to the tenor, cash<span class=\"_ gs36\"> </span>flows and or interest rates among <span class=\"_ _7\"></span>other factors. Where derecognition of financial assets is <span class=\"_ _7\"></span>appropriate (see Derecognition), the newly recognised residual <span class=\"_ _7\"></span>loans are assessed to determine whether the assets should <span class=\"_ _7\"></span>be classified as purchased or originated credit-impaired <span class=\"_ _7\"></span>assets (POCI). Where derecognition is not appropriate, the gross <span class=\"_ _7\"></span>carrying amount of the applicable instruments is <span class=\"_ _7\"></span>recalculated as the present value of the renegotiated or modified <span class=\"_ _7\"></span>contractual cash flows discounted at the original <span class=\"_ _7\"></span>effective interest rate (or credit adjusted effective interest rate for POCI <span class=\"_ _7\"></span>financial assets). The difference between the recalculated values <span class=\"_ _7\"></span>and the pre-modified gross carrying values of <span class=\"_ _7\"></span>the instruments are recorded as a modification gain or loss <span class=\"_ _7\"></span>in the profit or loss. Gains and <span class=\"_ _7\"></span>losses arising from modifications for credit <span class=\"_ _7\"></span>reasons are recorded as part of \u2018Credit Impairment\u2019 (see <span class=\"_ _7\"></span>Credit Impairment policy). Modification gains and losses arising from <span class=\"_ _7\"></span>non-credit reasons are recognised either as part <span class=\"_ _7\"></span>of \u2018Credit Impairment\u2019 or within<span class=\"_ gs36\"> </span>income depending on whether there has <span class=\"_ _7\"></span>been a change in the credit risk <span class=\"_ _7\"></span>on the financial asset subsequent to <span class=\"_ _7\"></span>the modification. Modification gains and losses arising <span class=\"_ _7\"></span>on financial liabilities are recognised within income. <span class=\"_ _7\"></span>The movements in<span class=\"_ gs36\"> </span>the applicable expected credit loss loan <span class=\"_ _7\"></span>positions are disclosed in further detail in <span class=\"_ _7\"></span>Risk Review.<span class=\"_ _3eb\"> </span>Accounting policy<span class=\"_ _3eb\"> </span>Fair values may be obtained from quoted market prices in active markets, recent market transactions, and valuation techniques, including discounted cash flow models <span class=\"_ _7\"></span>and option pricing models, as appropriate. Where <span class=\"_ _7\"></span>the initially recognised fair value of a derivative contract <span class=\"_ _7\"></span>is based on a valuation model that <span class=\"_ _7\"></span>uses inputs which are not observable <span class=\"_ _7\"></span>in the market, it<span class=\"_ gs36\"> </span>follows the same initial recognition accounting <span class=\"_ _7\"></span>policy as for other financial assets and <span class=\"_ _7\"></span>liabilities. All derivatives are carried as assets when fair value is <span class=\"_ _7\"></span>positive and as liabilities when fair value <span class=\"_ _7\"></span>is negative.<span class=\"_ _3eb\"> </span>Hedge accounting<span class=\"_ _3eb\"> </span>Under certain conditions, the Group may <span class=\"_ _7\"></span>designate a recognised asset or liability, a <span class=\"_ _7\"></span>firm commitment, highly probable forecast transaction or net investment of <span class=\"_ _7\"></span>a foreign operation into a formal hedge <span class=\"_ _7\"></span>accounting relationship with a derivative that has been entered to manage <span class=\"_ _7\"></span>interest rate and/or foreign exchange risks present <span class=\"_ _7\"></span>in the hedged item. The Group <span class=\"_ _7\"></span>has elected to continue applying IAS 39 <span class=\"_ _7\"></span>for hedge accounting.<span class=\"_ _3eb\"> </span>There are three categories of hedge <span class=\"_ _7\"></span>relationships: <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">Fair value hedge: to manage the fair value of interest rate and/or <span class=\"_ _7\"></span>foreign currency risks of recognised assets <span class=\"_ _7\"></span>or liabilities </span>or<span class=\"_ gs36\"> </span>firm commitments <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">Cash flow hedge: to manage interest rate or foreign exchange risk of <span class=\"_ _7\"></span>highly probable future cash flows attributable </span>to<span class=\"_ gs36\"> </span>a<span class=\"_ gs36\"> </span>recognised asset or liability, or a <span class=\"_ _7\"></span>forecasted transaction <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">Net investment hedge: to manage the structural foreign exchange risk of an <span class=\"_ _7\"></span>investment in a foreign operation<span class=\"_ _3eb\"> </span></span>The Group assesses, both at hedge <span class=\"_ _7\"></span>inception and on a quarterly basis, whether <span class=\"_ _7\"></span>the derivatives designated in hedge relationships are highly effective in offsetting <span class=\"_ _7\"></span>changes in fair values or cash flows <span class=\"_ _7\"></span>of hedged items. Hedges are considered to<span class=\"_ gs36\"> </span>be highly effective if all the <span class=\"_ _7\"></span>following criteria are met: <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">At inception of the hedge and throughout its life, the hedge is <span class=\"_ _7\"></span>prospectively expected to be highly effective <span class=\"_ _7\"></span>in achieving </span>offsetting changes in fair value or cash flows attributable to the hedged risk <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">Prospective and retrospective effectiveness of the hedge should be within a range <span class=\"_ _7\"></span>of 80\u2013125%. This is tested using </span>regression analysis  <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">This is tested using regression analysis where the slope of the regression <span class=\"_ _7\"></span>line must be between -0.80 and <span class=\"_ _7\"></span>-1.25 and </span>the<span class=\"_ gs36\"> </span>data pairs between the hedged item <span class=\"_ _7\"></span>and the hedging instrument are regressed to <span class=\"_ _7\"></span>a 95% confidence interval. The<span class=\"_ gs36\"> </span>regression co-efficient (R squared), which measures <span class=\"_ _7\"></span>the correlation between the variables in the <span class=\"_ _7\"></span>regression, is<span class=\"_ gs36\"> </span>at<span class=\"_ gs36\"> </span>least<span class=\"_ gs36\"> </span>80%.<span class=\"_ _3eb\"> </span>In the case of the hedge <span class=\"_ _7\"></span>of a forecast transaction, the transaction must <span class=\"_ _7\"></span>have a high probability of occurring <span class=\"_ _7\"></span>and must present an exposure to variations in <span class=\"_ _7\"></span>cash flows that are expected to affect <span class=\"_ _7\"></span>reported profit or loss.<span class=\"_ _3eb\"> </span>Fair value <span class=\"_ _7\"></span>hedge<span class=\"_ _3eb\"> </span>Changes in the fair value of <span class=\"_ _7\"></span>derivatives that are designated and qualify as <span class=\"_ _7\"></span>fair value hedging instruments are recorded in<span class=\"_ gs36\"> </span>net<span class=\"_ gs36\"> </span>trading income, together with any changes <span class=\"_ _7\"></span>in the fair value of the hedged <span class=\"_ _7\"></span>asset or liability that are attributable <span class=\"_ _7\"></span>to the<span class=\"_ gs36\"> </span>hedged risk. If the hedge no <span class=\"_ _7\"></span>longer meets the criteria for hedge accounting, <span class=\"_ _7\"></span>the adjustment to the carrying amount of<span class=\"_ gs36\"> </span>a<span class=\"_ gs36\"> </span>hedged item for which the effective <span class=\"_ _7\"></span>interest method is used is amortised to <span class=\"_ _7\"></span>the income statement over the remaining term to<span class=\"_ gs36\"> </span>maturity of the hedged item. <span class=\"_ _7\"></span>If the hedged item is sold or <span class=\"_ _7\"></span>repaid, the unamortised fair value adjustment <span class=\"_ _7\"></span>is recognised immediately in the income statement. For <span class=\"_ _7\"></span>financial assets classified as fair value through <span class=\"_ _7\"></span>other comprehensive income, the<span class=\"_ gs36\"> </span>hedge accounting adjustment attributable to the <span class=\"_ _7\"></span>hedged risk is included in net trading <span class=\"_ _7\"></span>income to match the hedging<span class=\"_ gs36\"> </span>derivative.<span class=\"_ _3eb\"> </span>Cash flow <span class=\"_ _7\"></span>hedge<span class=\"_ _3eb\"> </span>The effective portion of changes in <span class=\"_ _7\"></span>the fair value of derivatives that are <span class=\"_ _7\"></span>designated and qualify as cash flow <span class=\"_ _7\"></span>hedging instruments are initially recognised in other <span class=\"_ _7\"></span>comprehensive income, accumulating in the cash flow <span class=\"_ _7\"></span>hedge reserve within equity. These amounts are subsequently recycled <span class=\"_ _7\"></span>to the income statement in the periods <span class=\"_ _7\"></span>when the hedged item affects profit or loss. Both the derivative <span class=\"_ _7\"></span>fair value movement and any recycled amount <span class=\"_ _7\"></span>are recorded in the \u2018Cashflow hedges\u2019 line<span class=\"_ gs36\"> </span>item in other comprehensive income. The Group assesses hedge effectiveness using <span class=\"_ _7\"></span>the hypothetical derivative method, which creates a <span class=\"_ _7\"></span>derivative instrument to<span class=\"_ gs36\"> </span>serve as a proxy for the <span class=\"_ _7\"></span>hedged transaction. The terms of the hypothetical <span class=\"_ _7\"></span>derivative match the critical terms of <span class=\"_ _7\"></span>the hedged item and it has a <span class=\"_ _7\"></span>fair value of zero at inception. The <span class=\"_ _7\"></span>hypothetical derivative and the actual derivative <span class=\"_ _7\"></span>are regressed to establish the statistical significance of <span class=\"_ _7\"></span>the hedge relationship. Any ineffective portion of <span class=\"_ _7\"></span>the gain or loss on the <span class=\"_ _7\"></span>hedging instrument is recognised in the net <span class=\"_ _7\"></span>trading income immediately.<span class=\"_ _3eb\"> </span>If a cash flow hedge is <span class=\"_ _7\"></span>discontinued, the amount accumulated in the cash <span class=\"_ _7\"></span>flow hedge reserve is released to <span class=\"_ _7\"></span>the income statement as and when the hedged <span class=\"_ _7\"></span>item affects the income statement.<span class=\"_ _3eb\"> </span>Should the Group consider the hedged future cash flows are no longer expected to occur due to reasons, the cumulative gain or loss will be immediately reclassified <span class=\"_ _7\"></span>to profit or loss.<span class=\"_ _3eb\"> </span>Net investment <span class=\"_ _7\"></span>hedge<span class=\"_ _3eb\"> </span>Hedges of net investments are accounted <span class=\"_ _7\"></span>for in a similar manner to cash <span class=\"_ _7\"></span>flow hedges, with gains and losses <span class=\"_ _7\"></span>arising on the<span class=\"_ gs36\"> </span>effective portion of the hedges recorded <span class=\"_ _7\"></span>in the line \u2018Exchange differences on translation <span class=\"_ _7\"></span>of foreign operations\u2019 in other comprehensive income, accumulating in the translation <span class=\"_ _7\"></span>reserve within equity. These amounts remain in <span class=\"_ _7\"></span>equity until the net<span class=\"_ gs36\"> </span>investment is disposed of. The ineffective <span class=\"_ _7\"></span>portion of the hedges is recognised in <span class=\"_ _7\"></span>the net trading income immediately.<span class=\"_ _3eb\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForFinancialInstrumentsExplanatory",
    "language": "en",
    "entity": "scheme:U4LOSYZ7YG4W3S5F2G91",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-741": {
   "value": "Mandatorily classified <span class=\"_ _7\"></span>at fair <span class=\"_ _7\"></span>value through <span class=\"_ _7\"></span>profit or <span class=\"_ _7\"></span>loss<span class=\"_ _3eb\"> </span>Financial assets and liabilities which are <span class=\"_ _7\"></span>mandatorily held at fair value through profit <span class=\"_ _7\"></span>or loss are split between two subcategories as follows:<span class=\"_ _3eb\"> </span>Trading, including:  <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">Financial assets and liabilities held for trading, which are those acquired principally <span class=\"_ _7\"></span>for the purpose of selling </span>in<span class=\"_ gs36\"> </span>the<span class=\"_ gs36\"> </span>short-term <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">Derivatives.<span class=\"_ _3eb\"> </span></span>Non-trading mandatorily at fair value through <span class=\"_ _7\"></span>profit or loss, including: <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">Instruments in a business which has a fair value business model (see <span class=\"_ _7\"></span>the Group\u2019s business model assessment) which </span>are<span class=\"_ gs36\"> </span>not trading or derivatives <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">Hybrid financial assets that contain one or more embedded derivatives</span> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">Financial assets that would otherwise be measured at amortised cost or FVOCI <span class=\"_ _7\"></span>but which do not have SPPI <span class=\"_ _7\"></span>characteristics</span> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ls2\">Equity instruments that have not been designated as held at FVOCI</span> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">Financial liabilities that constitute contingent consideration in a business combination.<span class=\"_ _3eb\"> </span></span>Designated at <span class=\"_ _7\"></span>fair value <span class=\"_ _7\"></span>through profit <span class=\"_ _7\"></span>or loss<span class=\"_ _3eb\"> </span>Financial assets and liabilities may be <span class=\"_ _7\"></span>designated at fair value through profit or <span class=\"_ _7\"></span>loss when the designation eliminates or<span class=\"_ gs36\"> </span>significantly reduces a measurement or recognition <span class=\"_ _7\"></span>inconsistency that would otherwise arise from measuring <span class=\"_ _7\"></span>assets or<span class=\"_ gs36\"> </span>liabilities on a different basis (\u2018accounting <span class=\"_ _7\"></span>mismatch\u2019).<span class=\"_ _3eb\"> </span>Financial liabilities may also be designated <span class=\"_ _7\"></span>at fair value through profit or loss <span class=\"_ _7\"></span>where they are managed on a <span class=\"_ _7\"></span>fair value basis<span class=\"_ gs36\"> </span>or have an embedded derivative where <span class=\"_ _7\"></span>the Group is not able to separately <span class=\"_ _7\"></span>value, and thus bifurcate, the embedded derivative component.<span class=\"_ _3eb\"> </span>Financial assets <span class=\"_ _7\"></span>and liabilities <span class=\"_ _7\"></span>held at <span class=\"_ _7\"></span>fair value <span class=\"_ _7\"></span>through profit <span class=\"_ _7\"></span>or loss<span class=\"_ _3eb\"> </span>Gains and losses arising from changes <span class=\"_ _7\"></span>in fair value, including contractual interest income <span class=\"_ _7\"></span>or expense, recorded in the net trading income line in the profit <span class=\"_ _7\"></span>or loss. ",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForFinancialInstrumentsAtFairValueThroughProfitOrLossExplanatory",
    "language": "en",
    "entity": "scheme:U4LOSYZ7YG4W3S5F2G91",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-742": {
   "value": "Financial guarantee <span class=\"_ _7\"></span>contracts and <span class=\"_ _7\"></span>loan commitments<span class=\"_ _3eb\"> </span>The Group issues financial guarantee contracts <span class=\"_ _7\"></span>and loan commitments in return for fees. <span class=\"_ _7\"></span>Financial guarantee contracts and<span class=\"_ gs36\"> </span>any loan commitments issued at below-market <span class=\"_ _7\"></span>interest rates are initially recognised at their <span class=\"_ _7\"></span>fair value as a financial liability and subsequently measured at the <span class=\"_ _7\"></span>higher of the initial value less the <span class=\"_ _7\"></span>cumulative amount of income recognised in<span class=\"_ gs36\"> </span>accordance with the principles of IFRS <span class=\"_ _7\"></span>15 Revenue from Contracts with Customers and <span class=\"_ _7\"></span>their expected credit loss provision. Loan commitments may be designated at fair value through profit or loss where that is the business model under which such<span class=\"_ gs36\"> </span>contracts are held.<span class=\"_ _3eb\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForFinancialGuaranteesExplanatory",
    "language": "en",
    "entity": "scheme:U4LOSYZ7YG4W3S5F2G91",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-743": {
   "value": "Fair value <span class=\"_ _7\"></span>of financial <span class=\"_ _7\"></span>assets and <span class=\"_ _7\"></span>liabilities<span class=\"_ _3eb\"> </span>The fair value of financial instruments <span class=\"_ _7\"></span>is generally measured on the basis of <span class=\"_ _7\"></span>the individual financial instrument. However, when a group of financial assets <span class=\"_ _7\"></span>and financial liabilities is managed on the <span class=\"_ _7\"></span>basis of its net exposure to <span class=\"_ _7\"></span>either market risk or<span class=\"_ gs36\"> </span>credit risk, the fair value of <span class=\"_ _7\"></span>the group of financial instruments is measured <span class=\"_ _7\"></span>on a net basis.<span class=\"_ _3eb\"> </span>The fair values of quoted financial <span class=\"_ _7\"></span>assets and liabilities in active markets are <span class=\"_ _7\"></span>based on current prices. A market <span class=\"_ _7\"></span>is regarded as<span class=\"_ gs36\"> </span>active if transactions <span class=\"_ _7\"></span>for the asset or <span class=\"_ _1b\"></span>liability take place with sufficient frequency <span class=\"_ _7\"></span>and volume to <span class=\"_ _7\"></span>provide pricing information on an ongoing basis. If the <span class=\"_ _7\"></span>market for a financial instrument, and for <span class=\"_ _7\"></span>unlisted securities, is not active, the <span class=\"_ _7\"></span>Group establishes fair value by using valuation techniques<span class=\"_ _3eb\"> </span>.<span class=\"_ _3eb\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForFairValueMeasurementExplanatory",
    "language": "en",
    "entity": "scheme:U4LOSYZ7YG4W3S5F2G91",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-744": {
   "value": "Derecognition of <span class=\"_ _7\"></span>financial instruments<span class=\"_ _3eb\"> </span>Financial assets which are subject to <span class=\"_ _7\"></span>commercial refinancing where the loan is priced <span class=\"_ _7\"></span>to the market with no payment <span class=\"_ _7\"></span>related concessions regardless of form of legal <span class=\"_ _7\"></span>documentation or nature of lending will be <span class=\"_ _7\"></span>derecognised. Where the Group\u2019s rights to<span class=\"_ gs36\"> </span>the cash flows under the original <span class=\"_ _7\"></span>contract have expired, the old loan is <span class=\"_ _7\"></span>derecognised, and the new loan is <span class=\"_ _7\"></span>recognised at fair value. For all other modifications <span class=\"_ _7\"></span>for example forborne loans or restructuring, whether <span class=\"_ _7\"></span>or not a change in the <span class=\"_ _7\"></span>cash flows is<span class=\"_ gs36\"> </span>\u2018substantially different\u2019 is judgemental and will <span class=\"_ _7\"></span>be considered on a case-by-case basis, taking <span class=\"_ _7\"></span>into account all the relevant facts and circumstances.<span class=\"_ _3eb\"> </span>On derecognition of a financial asset, <span class=\"_ _7\"></span>the difference between the carrying amount of <span class=\"_ _7\"></span>the asset (or the carrying amount allocated to the portion of the <span class=\"_ _7\"></span>asset derecognised) and the sum of the <span class=\"_ _7\"></span>consideration received (including any new asset obtained less any new liability assumed) <span class=\"_ _7\"></span>and any cumulative gain or loss that <span class=\"_ _7\"></span>had been recognised in other comprehensive income is recognised in profit or <span class=\"_ _7\"></span>loss except for equity instruments elected FVOCI <span class=\"_ _7\"></span>(see above) and cumulative fair value adjustments attributable to the credit risk <span class=\"_ _7\"></span>of a liability that are held in <span class=\"_ _7\"></span>other comprehensive income.<span class=\"_ _3eb\"> </span>Financial liabilities are derecognised when they <span class=\"_ _7\"></span>are extinguished. A financial liability is extinguished <span class=\"_ _7\"></span>when the obligation is<span class=\"_ gs36\"> </span>discharged, cancelled or expires and this <span class=\"_ _7\"></span>is evaluated both qualitatively and quantitatively. However, where a financial liability has <span class=\"_ _7\"></span>been modified, it is derecognised if the <span class=\"_ _7\"></span>difference between the modified cash flows and the original cash flows is <span class=\"_ _7\"></span>more than 10 per cent, or if <span class=\"_ _7\"></span>less than 10 per cent, the <span class=\"_ _7\"></span>Group will perform a qualitative assessment to determine whether the terms <span class=\"_ _7\"></span>of the two instruments are substantially different. <span class=\"_ _7\"></span>If the Group purchases its own<span class=\"_ gs36\"> </span>debt, it is derecognised and the <span class=\"_ _7\"></span>difference between the carrying amount of the <span class=\"_ _7\"></span>liability and the consideration paid is<span class=\"_ gs36\"> </span>included in \u2018Other income\u2019 except for <span class=\"_ _7\"></span>the cumulative fair value adjustments attributable to <span class=\"_ _7\"></span>the credit risk of a liability <span class=\"_ _7\"></span>that are<span class=\"_ gs36\"> </span>held in Other comprehensive income, which <span class=\"_ _7\"></span>are never recycled to the profit or <span class=\"_ _7\"></span>loss.<span class=\"_ _3eb\"> </span>Modified financial <span class=\"_ _7\"></span>instruments<span class=\"_ _3eb\"> </span>Financial assets and financial liabilities whose <span class=\"_ _7\"></span>original contractual terms have been modified, including <span class=\"_ _7\"></span>those loans subject to forbearance strategies, are considered to <span class=\"_ _7\"></span>be modified instruments. Modifications may include changes <span class=\"_ _7\"></span>to the tenor, cash<span class=\"_ gs36\"> </span>flows and or interest rates among <span class=\"_ _7\"></span>other factors. Where derecognition of financial assets is <span class=\"_ _7\"></span>appropriate (see Derecognition), the newly recognised residual <span class=\"_ _7\"></span>loans are assessed to determine whether the assets should <span class=\"_ _7\"></span>be classified as purchased or originated credit-impaired <span class=\"_ _7\"></span>assets (POCI). Where derecognition is not appropriate, the gross <span class=\"_ _7\"></span>carrying amount of the applicable instruments is <span class=\"_ _7\"></span>recalculated as the present value of the renegotiated or modified <span class=\"_ _7\"></span>contractual cash flows discounted at the original <span class=\"_ _7\"></span>effective interest rate (or credit adjusted effective interest rate for POCI <span class=\"_ _7\"></span>financial assets). The difference between the recalculated values <span class=\"_ _7\"></span>and the pre-modified gross carrying values of <span class=\"_ _7\"></span>the instruments are recorded as a modification gain or loss <span class=\"_ _7\"></span>in the profit or loss. Gains and <span class=\"_ _7\"></span>losses arising from modifications for credit <span class=\"_ _7\"></span>reasons are recorded as part of \u2018Credit Impairment\u2019 (see <span class=\"_ _7\"></span>Credit Impairment policy). Modification gains and losses arising from <span class=\"_ _7\"></span>non-credit reasons are recognised either as part <span class=\"_ _7\"></span>of \u2018Credit Impairment\u2019 or within<span class=\"_ gs36\"> </span>income depending on whether there has <span class=\"_ _7\"></span>been a change in the credit risk <span class=\"_ _7\"></span>on the financial asset subsequent to <span class=\"_ _7\"></span>the modification. Modification gains and losses arising <span class=\"_ _7\"></span>on financial liabilities are recognised within income. <span class=\"_ _7\"></span>The movements in<span class=\"_ gs36\"> </span>the applicable expected credit loss loan <span class=\"_ _7\"></span>positions are disclosed in further detail in <span class=\"_ _7\"></span>Risk Review.<span class=\"_ _3eb\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForDerecognitionOfFinancialInstrumentsExplanatory",
    "language": "en",
    "entity": "scheme:U4LOSYZ7YG4W3S5F2G91",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-690": {
   "value": "The Group\u2019s classification of its financial <span class=\"_ _7\"></span>assets and liabilities is summarised in the <span class=\"_ _7\"></span>following tables.<span class=\"_ _3eb\"> </span><table class=\"s w536 h240\" id=\"_d548c618-7a25-4a3a-90f5-bd722ff9f15e\"><tr><td></td><td></td><td></td><td></td><td></td><td class=\"t m0 x9cb h14f y6706 ff5 fs64 fc0 sc0 ls50 ws5b\">Assets at fair value<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"t m0 x9cc h14f y6707 ff5 fs64 fc0 sc0 ls50 ws5b\" colspan=\"2\">Non-trading </td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"t m0 x9cd h14f y6708 ff5 fs64 fc0 sc0 ls50 ws5b\">mandatorily </td><td class=\"t m0 x9ce h14f y6708 ff5 fs64 fc0 sc0 ls50 ws5b\" colspan=\"2\">Designated </td><td class=\"c n x606 y6709 w537 h21e\"><div class=\"t m0 x1ed h14f y6611 ff5 fs64 fc0 sc0 ls50 ws5b\">Fair value</div></td><td class=\"t m0 x9cf h14f y6708 ff5 fs64 fc0 sc0 ls50 ws5b\">Total </td><td class=\"t m0 x9d0 h14f y6708 ff5 fs64 fc0 sc0 ls50 ws5b\">Assets<span class=\"_ _3eb\"> </span></td><td></td></tr><tr><td></td><td></td><td></td><td class=\"t m0 x5fd h14f y670a ff5 fs64 fc0 sc0 ls50 ws5b\">Derivatives </td><td class=\"t m0 x9cd h14f y670a ff5 fs64 fc0 sc0 ls50 ws5b\" colspan=\"2\">at fair value </td><td class=\"c x9d2 y670b w538 h21e\" colspan=\"2\"><div class=\"t m0 x1ed h14f y6611 ff5 fs64 fc0 sc0 ls50 ws5b\">at fair value<span class=\"_ _3eb\"> </span></div><div class=\"t m0 x9d1 h14f y6611 ff5 fs64 fc0 sc0 ls50 ws5b\">through other</div></td><td class=\"t m0 x9d3 h14f y670a ff5 fs64 fc0 sc0 ls50 ws5b\">financial </td><td class=\"t m0 x9d4 h14f y670a ff5 fs64 fc0 sc0 ls50 ws5b\">held at </td><td></td></tr><tr><td></td><td></td><td></td><td class=\"t m0 x8f7 h14f y670c ff5 fs64 fc0 sc0 ls50 ws5b\">held for </td><td class=\"t m0 x9cb h14f y670c ff5 fs64 fc0 sc0 ls50 ws5b\">through </td><td class=\"c n x9d5 y670d w539 h21e\"><div class=\"t m0 x1ed h14f y6611 ff5 fs64 fc0 sc0 ls50 ws5b\">through</div></td><td class=\"t m0 x9d6 h14f y670c ff5 fs64 fc0 sc0 ls50 ws5b\">comprehensive </td><td class=\"t m0 x9d3 h14f y670c ff2 fs64 fc0 sc0 ls50 ws0\">assets at </td><td class=\"t m0 x9d7 h14f y670c ff5 fs64 fc0 sc0 ls50 ws5b\">amortised </td><td></td></tr><tr><td></td><td></td><td class=\"t m0 x536 h14f y670e ff5 fs64 fc0 sc0 ls50 ws5b\">Trading<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x403 h14f y670e ff5 fs64 fc0 sc0 ls50 ws5b\">hedging<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x9cd h14f y670e ff5 fs64 fc0 sc0 ls50 ws5b\">profit<span class=\"_ gs3f9\"> </span>or loss<span class=\"_ _3eb\"> </span></td><td class=\"c n x9d2 y670f w53a h21e\"><div class=\"t m0 x1ed h14f y6611 ff5 fs64 fc0 sc0 ls50 ws5b\">profit<span class=\"_ gs3f9\"> </span>or loss</div></td><td class=\"t m0 x544 h14f y670e ff5 fs64 fc0 sc0 ls50 ws5b\">income<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x9d8 h14f y670e ff5 fs64 fc0 sc0 ls50 ws5b\">fair<span class=\"_ gs3f9\"> </span>value<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x9d9 h14f y670e ff2 fs64 fc0 sc0 ls50 ws5b\">cost<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x53d h14f y670e ff5 fs64 fc0 sc0 ls50 ws5b\">Total<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c n x1ee y6710 w53b h209\"><div class=\"t m0 x1ed h151 y6597 ff1 fs64 fc3 sc0 ls50 ws5b\">Assets<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9da y6710 w53c h209\"><div class=\"t m0 x1ed h151 y6597 ff1 fs64 fc3 sc0 ls50 ws5b\">Notes</div></td><td class=\"t m0 x536 h14f y6711 ff5 fs64 fc0 sc0 ls50 ws5b\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x8f7 h14f y6711 ff5 fs64 fc0 sc0 ls50 ws5b\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x9cb h14f y6711 ff5 fs64 fc0 sc0 ls50 ws5b\">$million<span class=\"_ _3eb\"> </span></td><td class=\"c n x9d5 y6712 w53d h21e\"><div class=\"t m0 x1ed h14f y6611 ff5 fs64 fc0 sc0 ls50 ws5b\">$million</div></td><td class=\"t m0 x544 h14f y6711 ff5 fs64 fc0 sc0 ls50 ws5b\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x545 h14f y6711 ff5 fs64 fc0 sc0 ls50 ws5b\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x546 h14f y6711 ff5 fs64 fc0 sc0 ls50 ws5b\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x547 h14f y6711 ff5 fs64 fc0 sc0 ls50 ws5b\">$million<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c x1ee y6713 w53e h241\"><div class=\"t m0 x1ed hba y65a9 ff1 fs7 fc3 sc0 ls7 ws0\">Cash and balances at central banks</div><div class=\"t m0 x9db hd1 y65aa ff1 fs61 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n x9dc y6714 w14d h20c\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9dd y6714 w14d h20c\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9de y6714 w14e h20c\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9df y6714 w14f h20c\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9e0 y6714 w14d h20c\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9e1 y6714 w14f h20c\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9e2 y6714 w53f h20c\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">77,746<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9e3 y6714 w53f h20c\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">77,746<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y6717 w540 h242\"><div class=\"t m0 x1ed h13 y6715 ff5 fs7 fc3 sc0 ls7 ws7\">Financial assets held at fair value through profit <span class=\"_ _7\"></span>or<span class=\"_ _3eb\"> </span></div><div class=\"t m0 x1ed h13 y6716 ff5 fs7 fc3 sc0 ls7 ws7\">loss<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x40b y6718 w541 h241\"><div class=\"t m0 x1ed hba y65a9 ff1 fs7 fc3 sc0 ls7 ws0\">Loans and advances to banks</div><div class=\"t m0 x9e4 hd1 y65aa ff1 fs61 fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n x9e5 y6719 w542 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">2,984<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9e6 y6719 w14e h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9e7 y6719 w14e h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9e8 y6719 w14f h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9e9 y6719 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9ea y6719 w542 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">2,984<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9eb y6719 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9ec y6719 w542 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">2,984<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x40b y671a w543 h241\"><div class=\"t m0 x1ed hba y65a9 ff1 fs7 fc3 sc0 ls7 ws0\">Loans and advances to customers</div><div class=\"t m0 x9ed hd1 y65aa ff1 fs61 fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n x9e5 y671b w544 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">12,152<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9ee y671b w14e h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9ef y671b w545 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">203<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9f0 y671b w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9f1 y671b w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9f2 y671b w546 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">12,355<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9f3 y671b w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9f4 y671b w546 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">12,355<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x40a hb y671c ff4 fs7 fc3 sc0 ls7 ws7\">Reverse repurchase agreements and other similar </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x40b y671d w547 h20d\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws0\">secured lending<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9f5 y671d w1ac h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">16<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9f6 y671d w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9f7 y671d w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9f8 y671d w548 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">84,130<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9f9 y671d w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9fa y671d w14f h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9fb y671d w549 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">84,130<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9fc y671d w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9fd y671d w54a h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">84,130<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x40b y671f w54b h243\"><div class=\"t m0 x1ed hb y671e ff4 fs7 fc3 sc0 ls7 ws7\">Debt securities, alternative tier one and other<span class=\"_ _3eb\"> </span></div><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">eligible bills<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n x9fe y671f w54c h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">86,531<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9ff y671f w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa00 y671f w54d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">130<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa01 y671f w54e h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">43<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa02 y671f w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa03 y671f w54f h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">86,704<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa04 y671f w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa05 y671f w54f h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">86,704<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x40b y6720 w550 h20d\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws0\">Equity shares<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n xa06 y6720 w551 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">8,946<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa07 y6720 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa08 y6720 w552 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">138<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa09 y6720 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa0a y6720 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa0b y6720 w553 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">9,084<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa0c y6720 w14f h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa0d y6720 w553 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">9,084<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td></td><td class=\"c n xa0e y6721 w77 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">110,613<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa0f y6721 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa10 y6721 w554 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">84,601<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa11 y6721 w54e h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">43<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa12 y6721 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa13 y6721 w555 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">195,257<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa14 y6721 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa15 y6721 w555 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">195,257<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6722 w556 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">Derivative financial instruments<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa16 y6722 w557 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">14<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa17 y6722 w558 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">64,023<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa18 y6722 w559 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">1,759<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa19 y6722 w14e h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa1a y6722 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa1b y6722 w14f h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa1c y6722 w55a h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">65,782<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa1d y6722 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa1e y6722 w55a h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">65,782<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y6723 w55b h241\"><div class=\"t m0 x1ed hba y65a9 ff1 fs7 fc3 sc0 ls7 ws0\">Loans and advances to banks</div><div class=\"t m0 xa1f hd1 y65aa ff1 fs61 fc3 sc0 ls44 ws49\">2,3<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa20 y6724 w55c h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">15<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa21 y6724 w14e h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa22 y6724 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa23 y6724 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa24 y6724 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa25 y6724 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa26 y6724 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa27 y6724 w55d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">43,901<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa28 y6724 w55d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">43,901<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x40b y6725 w55e h243\"><div class=\"t m0 x1ed hb y671e ff4 fs7 fc3 sc0 ls7 ws7\">Of which \u2013 reverse repurchase agreements and<span class=\"_ _3eb\"> </span></div><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">other similar secured lending<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa29 y6725 w1ac h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">16<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa2a y6725 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa2b y6725 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa2c y6725 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa2d y6725 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa2e y6725 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa2f y6725 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa30 y6725 w55f h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">3,724<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa31 y6725 w55f h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">3,724<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y6726 w560 h241\"><div class=\"t m0 x1ed hba y65a9 ff1 fs7 fc3 sc0 ls7 ws0\">Loans and advances to customers</div><div class=\"t m0 xa32 hd1 y65aa ff1 fs61 fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa20 y6727 w55c h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">15<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa21 y6727 w14e h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa22 y6727 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa23 y6727 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa24 y6727 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa25 y6727 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa26 y6727 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa33 y6727 w2e5 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">286,788<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa34 y6727 w2e5 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">286,788<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x40b y6728 w55e h243\"><div class=\"t m0 x1ed hb y671e ff4 fs7 fc3 sc0 ls7 ws7\">Of which \u2013 reverse repurchase agreements and<span class=\"_ _3eb\"> </span></div><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">other similar secured lending<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa29 y6728 w1ac h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">16<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa2a y6728 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa2b y6728 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa2c y6728 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa2d y6728 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa2e y6728 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa2f y6728 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa35 y6728 w561 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">8,242<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa36 y6728 w562 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">8,242<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x221 h13 y6729 ff5 fs7 fc3 sc0 ls7 ws7\">Investment securities<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x40b y672a w54b h243\"><div class=\"t m0 x1ed hb y671e ff4 fs7 fc3 sc0 ls7 ws7\">Debt securities, alternative tier one and other<span class=\"_ _3eb\"> </span></div><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">eligible bills<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n xa37 y672a w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa38 y672a w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa39 y672a w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa3a y672a w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa3b y672a w563 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">108,503<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa3c y672a w564 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">108,503<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa3d y672a w565 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">57,250<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa3e y672a w566 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">165,753<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x40b y672b w550 h212\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws0\">Equity shares<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n xa3f y672b w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa40 y672b w14e h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa41 y672b w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa42 y672b w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa43 y672b w567 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">1,203<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa44 y672b w567 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">1,203<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa45 y672b w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa46 y672b w16e h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">1,203<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td></td><td class=\"c n x9dc y672c w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9dd y672c w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9de y672c w14e h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9df y672c w14f h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa47 y672c w568 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">109,706<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa48 y672c w568 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">109,706<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa49 y672c w569 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">57,250<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa4a y672c w56a h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">166,956<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y672d w56b h212\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws0\">Other assets<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa4b y672d w56c h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">20<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td></td><td></td><td class=\"c n xa4c y672d w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa4d y672d w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa4e y672d w56d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">36,770<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa4f y672d w56d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">36,770<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y672e w56e h212\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws0\">Assets held for sale<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa50 y672e w18a h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">21<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa51 y672e w14e h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa52 y672e w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa53 y672e w14e h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa54 y672e w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa55 y672e w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa56 y672e w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa57 y672e w56f h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">1,042<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa58 y672e w56f h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">1,042<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y672f w570 h20b\"><div class=\"t m0 x1ed hb2 y65af ff5 fs7 fc3 sc0 ls7 ws7\">Total at 31 December 2025<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n xa59 y672f w571 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">174,636<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa5a y672f w572 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">1,759<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa5b y672f w554 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">84,601<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa5c y672f w573 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">43<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa5d y672f w574 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">109,706<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa5e y672f w575 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">370,745<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa5f y672f w576 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">503,497<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa60 y672f w577 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">874,242<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y6730 w53e h244\"><div class=\"t m0 x1ed hba y65a9 ff1 fs7 fc3 sc0 ls7 ws0\">Cash and balances at central banks</div><div class=\"t m0 x9db hd1 y65be ff1 fs61 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"c n x7b2 y6731 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa61 y6731 w578 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">63,447<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa62 y6731 w579 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">63,447<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x221 hb y6732 ff4 fs7 fc3 sc0 ls7 ws7\">Financial assets held at fair value through profit <span class=\"_ _7\"></span>or loss<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x40b y6733 w541 h241\"><div class=\"t m0 x1ed hba y65a9 ff1 fs7 fc3 sc0 ls7 ws0\">Loans and advances to banks</div><div class=\"t m0 x9e4 hd1 y65aa ff1 fs61 fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n xa63 y6734 w57a h212\"><div class=\"t m0 x1ed hb y659e ff1 fs7 fc3 sc0 ls7 ws7\">2,213<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa64 y6734 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa65 y6734 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa66 y6734 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa67 y6734 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa68 y6734 w57a h212\"><div class=\"t m0 x1ed hb y659e ff1 fs7 fc3 sc0 ls7 ws7\">2,213<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa69 y6734 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa6a y6734 w57b h212\"><div class=\"t m0 x1ed hb y659e ff1 fs7 fc3 sc0 ls7 ws7\">2,213<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x40b y6735 w543 h241\"><div class=\"t m0 x1ed hba y65a9 ff1 fs7 fc3 sc0 ls7 ws0\">Loans and advances to customers</div><div class=\"t m0 x9ed hd1 y65aa ff1 fs61 fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n xa6b y6736 w57c h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">6,912<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa6c y6736 w14e h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa6d y6736 w57d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">172<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa6e y6736 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa6f y6736 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa70 y6736 w57e h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">7,084<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa71 y6736 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa72 y6736 w57e h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">7,084<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x40a hb y6737 ff4 fs7 fc3 sc0 ls7 ws7\">Reverse repurchase agreements and other similar </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x40b y6738 w547 h212\"><div class=\"t m0 x1ed hb y659e ff1 fs7 fc3 sc0 ls7 ws0\">secured lending<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa73 y6738 w145 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">16<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa74 y6738 w57f h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">336<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa75 y6738 w14e h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa76 y6738 w580 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">85,859<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa77 y6738 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa78 y6738 w14f h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa79 y6738 w581 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">86,195<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa7a y6738 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa7b y6738 w582 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">86,195<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x40b y6739 w54b h20f\"><div class=\"t m0 x1ed hb y65a2 ff4 fs7 fc3 sc0 ls7 ws7\">Debt securities, alternative tier one and other<span class=\"_ _3eb\"> </span></div><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">eligible bills<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n xa7c y6739 w583 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">76,329<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa2b y6739 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa7d y6739 w584 h212\"><div class=\"t m0 x1ed hb y659e ff1 fs7 fc3 sc0 ls7 ws7\">140<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa7e y6739 w585 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">70<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa7f y6739 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa80 y6739 w586 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">76,539<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa81 y6739 w14f h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa82 y6739 w586 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">76,539<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x40b y673a w550 h212\"><div class=\"t m0 x1ed hb y659e ff1 fs7 fc3 sc0 ls7 ws0\">Equity shares<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n xa83 y673a w587 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">5,285<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa84 y673a w14e h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa85 y673a w171 h212\"><div class=\"t m0 x1ed hb y659e ff1 fs7 fc3 sc0 ls7 ws7\">201<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa42 y673a w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa86 y673a w14f h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa87 y673a w588 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">5,486<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa88 y673a w14f h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa89 y673a w588 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">5,486<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td></td><td class=\"c n x527 y673b w589 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">91,075<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa8a y673b w14e h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa8b y673b w58a h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">86,372<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa8c y673b w58b h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">70<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa8d y673b w14f h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa8e y673b w58c h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">177,517<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa8f y673b w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa90 y673b w58c h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">177,517<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y673c w556 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">Derivative financial instruments<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa91 y673c w58d h212\"><div class=\"t m0 x1ed hb y659e ff1 fs7 fc3 sc0 ls7 ws7\">14<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa92 y673c w58e h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">78,906<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa93 y673c w58f h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">2,566<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa94 y673c w14e h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa95 y673c w14f h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa96 y673c w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa97 y673c w32d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">81,472<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa98 y673c w14f h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa99 y673c w32d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">81,472<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y673d w55b h244\"><div class=\"t m0 x1ed hba y65a9 ff1 fs7 fc3 sc0 ls7 ws0\">Loans and advances to banks</div><div class=\"t m0 xa1f hd1 y65be ff1 fs61 fc3 sc0 ls44 ws49\">2,3<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa20 y673e w590 h212\"><div class=\"t m0 x1ed hb y659e ff1 fs7 fc3 sc0 ls7 ws7\">15<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa9a y673e w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa9b y673e w14e h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa9c y673e w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa9d y673e w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa9e y673e w14f h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa9f y673e w14f h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xaa0 y673e w591 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">43,593<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xaa1 y673e w591 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">43,593<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x40b y673f w55e h20f\"><div class=\"t m0 x1ed hb y65a2 ff4 fs7 fc3 sc0 ls7 ws7\">Of which \u2013 reverse repurchase agreements and<span class=\"_ _3eb\"> </span></div><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">other similar secured lending<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xaa2 y673f w145 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">16<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xaa3 y673f w14e h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xaa4 y673f w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xaa5 y673f w14e h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xaa6 y673f w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xaa7 y673f w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xaa8 y673f w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xaa9 y673f w592 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">2,946<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xaaa y673f w592 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">2,946<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y6740 w560 h241\"><div class=\"t m0 x1ed hba y65a9 ff1 fs7 fc3 sc0 ls7 ws0\">Loans and advances to customers</div><div class=\"t m0 xa32 hd1 y65aa ff1 fs61 fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa20 y6741 w590 h212\"><div class=\"t m0 x1ed hb y659e ff1 fs7 fc3 sc0 ls7 ws7\">15<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa9a y6741 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa9b y6741 w14e h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa9c y6741 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa9d y6741 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa9e y6741 w14f h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa9f y6741 w14f h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xaab y6741 w593 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">281,032<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xaac y6741 w593 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">281,032<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x40b y6742 w55e h20f\"><div class=\"t m0 x1ed hb y65a2 ff4 fs7 fc3 sc0 ls7 ws7\">Of which \u2013 reverse repurchase agreements and<span class=\"_ _3eb\"> </span></div><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">other similar secured lending<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n xaad y6742 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xaae y6742 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xaaf y6742 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xab0 y6742 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xab1 y6742 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xab2 y6742 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xab3 y6742 w594 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">9,660<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xab4 y6742 w595 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">9,660<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x221 hb y6743 ff4 fs7 fc3 sc0 ls7 ws7\">Investment securities<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x40b y6745 w54b h242\"><div class=\"t m0 x1ed hb y6744 ff4 fs7 fc3 sc0 ls7 ws7\">Debt securities, alternative tier one and other<span class=\"_ _3eb\"> </span></div><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">eligible bills<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n xa37 y6745 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa38 y6745 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa39 y6745 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa3a y6745 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xab5 y6745 w596 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">88,425<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xab6 y6745 w597 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">88,425<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xab7 y6745 w598 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">55,137<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xab8 y6745 w599 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">143,562<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x40b y6746 w550 h212\"><div class=\"t m0 x1ed hb y659e ff1 fs7 fc3 sc0 ls7 ws0\">Equity shares<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n xa3f y6746 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa40 y6746 w14e h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa41 y6746 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa42 y6746 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x45e y6746 w59a h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">994<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xab9 y6746 w59a h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">994<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa88 y6746 w14f h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xaba y6746 w59b h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">994<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td></td><td class=\"c n x9dc y6747 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9dd y6747 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9de y6747 w14e h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9df y6747 w14f h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xabb y6747 w2a9 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">89,419<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xabc y6747 w2a9 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">89,419<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xabd y6747 w598 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">55,137<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xabe y6747 w59c h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">144,556<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6748 w56b h212\"><div class=\"t m0 x1ed hb y659e ff1 fs7 fc3 sc0 ls7 ws0\">Other assets<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xabf y6748 w59d h212\"><div class=\"t m0 x1ed hb y659e ff1 fs7 fc3 sc0 ls7 ws7\">20<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td></td><td></td><td class=\"c n xac0 y6748 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xac1 y6748 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xac2 y6748 w59e h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">34,585<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xac3 y6748 w59e h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">34,585<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6749 w56e h212\"><div class=\"t m0 x1ed hb y659e ff1 fs7 fc3 sc0 ls7 ws0\">Assets held for sale<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xac4 y6749 w59f h212\"><div class=\"t m0 x1ed hb y659e ff1 fs7 fc3 sc0 ls7 ws7\">21<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xac5 y6749 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xac6 y6749 w14e h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xac7 y6749 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xac8 y6749 w5a0 h212\"><div class=\"t m0 x1ed hb y659e ff1 fs7 fc3 sc0 ls0 ws0\">5<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xac9 y6749 w14f h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xaca y6749 w5a0 h212\"><div class=\"t m0 x1ed hb y659e ff1 fs7 fc3 sc0 ls0 ws0\">5<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xacb y6749 w5a1 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">884<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xacc y6749 w5a2 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">889<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y674a w5a3 h20b\"><div class=\"t m0 x1ed hb y659e ff5 fs7 fc3 sc0 ls7 ws7\">Total at 31 December 2024<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n xacd y674a w5a4 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">169,981<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xace y674a w5a5 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">2,566<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xacf y674a w5a6 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">86,372<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xad0 y674a w5a7 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">75<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xad1 y674a w2a9 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">89,419<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xad2 y674a w5a8 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">348,413<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xad3 y674a w5a9 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">478,678<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xad4 y674a w5aa h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">827,091<span class=\"_ _3eb\"> </span></div></td></tr></table>1 <span class=\"_ _b\"> </span><span class=\"ff4\">Comprises cash held at central banks in restricted accounts of $11,630 million (31 <span class=\"_ _7\"></span>December 2024: $7,799 million), or on demand, or <span class=\"_ _7\"></span>placements which are </span>contractually due to mature over-night only. Other placements <span class=\"_ _7\"></span>with central banks are reported as part of <span class=\"_ _7\"></span>Loans and advances to customers.<span class=\"_ _3eb\"> </span>2 <span class=\"_ _f\"> </span><span class=\"ff4\">Further analysed in Risk review and Capital review (pages 218 to 308).<span class=\"_ _3eb\"> </span></span>3 <span class=\"_ _f\"> </span><span class=\"ff4\">Loans and advances to banks includes amounts due on demand from banks and <span class=\"_ _7\"></span>other central banks.<span class=\"_ _3eb\"> </span></span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfFinancialAssetsExplanatory",
    "language": "en",
    "entity": "scheme:U4LOSYZ7YG4W3S5F2G91",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-691": {
   "value": "<table class=\"s w5ab h245\" id=\"_87ab3af1-7f66-4a57-bb11-bedba7bc1241\"><tr><td></td><td></td><td></td><td></td><td class=\"t m0 xad5 h38 y674b ff5 fs17 fc0 sc0 ls21 ws20\">Liabilities at fair value<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"t m0 x2d3 h38 y674c ff5 fs17 fc0 sc0 ls21 ws20\">Designated at fair </td><td class=\"t m0 xad6 h38 y674c ff5 fs17 fc0 sc0 ls21 ws20\">Total financial </td><td></td><td></td></tr><tr><td></td><td></td><td></td><td class=\"t m0 x2d8 h38 y674d ff5 fs17 fc0 sc0 ls21 ws20\">Derivatives held </td><td class=\"t m0 xad7 h38 y674d ff5 fs17 fc0 sc0 ls21 ws20\">value through </td><td class=\"t m0 xad8 h38 y674d ff5 fs17 fc0 sc0 ls21 ws20\">liabilities at fair </td><td class=\"t m0 xad9 h38 y674d ff5 fs17 fc0 sc0 ls21 ws20\">Amortised<span class=\"_ _3eb\"> </span></td><td></td></tr><tr><td></td><td></td><td class=\"t m0 xada h38 y674e ff5 fs17 fc0 sc0 ls21 ws20\">Trading<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xadb h38 y674e ff5 fs17 fc0 sc0 ls21 ws20\">for hedging<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xadc h38 y674e ff5 fs17 fc0 sc0 ls21 ws20\">profit or loss<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xadd h38 y674e ff5 fs17 fc0 sc0 ls21 ws20\">value<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xade h38 y674e ff2 fs17 fc0 sc0 ls21 ws20\">cost<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x96f h38 y674e ff5 fs17 fc0 sc0 ls21 ws20\">Total<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c n x1ee y674f w5ac h215\"><div class=\"t m0 x1ed h2c y65c7 ff4 fs17 fc3 sc0 ls21 ws20\">Liabilities<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xadf y674f w5ad h205\"><div class=\"t m0 x1ed h2c y65c7 ff1 fs17 fc3 sc0 ls21 ws20\">Notes<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x2f7 h38 y6750 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x2c9 h38 y6750 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x4be h38 y6750 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x2fa h38 y6750 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x233 h38 y6750 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x4c2 h38 y6750 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c x1ee y6752 w5ae h246\"><div class=\"t m0 x1ed h1a y6751 ff4 fs5 fc3 sc0 ls5 ws5\">Financial liabilities held at<span class=\"_ gs1a1\"> </span>fair<span class=\"_ _3eb\"> </span></div><div class=\"t m0 x1ed h3b y6600 ff1 fs5 fc3 sc0 ls5 ws0\">value through profit or loss<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x236 y6753 wf2 h1fe\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Deposits by banks<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n xae0 y6753 w2bc h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xae1 y6753 w2bc h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xae2 y6753 w4a1 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">2,328<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xae3 y6753 w4a1 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">2,328<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xae4 y6753 w1cf h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xae5 y6753 w4a1 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">2,328<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x236 y6754 wf5 h1fe\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Customer accounts<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n xae6 y6754 w2bc h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xae7 y6754 w2bc h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xae8 y6754 w5af h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">19,414<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xae9 y6754 w5b0 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">19,414<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xaea y6754 w1d4 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xaeb y6754 w5af h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">19,414<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x236 y6755 w5b1 h247\"><div class=\"t m0 x1ed h3b y65dd ff1 fs5 fc3 sc0 ls5 ws0\">Repurchase agreements and<span class=\"_ _3eb\"> </span></div><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">other similar secured<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x236 y6756 w5b2 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">borrowing<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xaec y6756 w473 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">16<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xaed y6756 w2bc h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xaee y6756 w2bc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xaef y6756 w5b3 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">36,307<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xaf0 y6756 w5b3 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">36,307<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xaf1 y6756 w1cf h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xaf2 y6756 w5b3 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">36,307<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x236 y6757 w101 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">Debt securities in issue<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xaf3 y6757 wac h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">22<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xaf4 y6757 w2bc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xaf5 y6757 w2bc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xaf6 y6757 w5b4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">16,009<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xaf7 y6757 w5b4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">16,009<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xaf8 y6757 w1cf h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xaf9 y6757 w5b4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">16,009<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x236 y6758 w5b5 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">Short positions<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n xafa y6758 w5b6 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">15,539<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xafb y6758 w2bc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xafc y6758 w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xafd y6758 w5b6 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">15,539<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xafe y6758 w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xaff y6758 w5b7 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">15,539<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td></td><td class=\"c n xb00 y6759 w5b6 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">15,539<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb01 y6759 w2bc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb02 y6759 w5b8 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">74,058<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb03 y6759 wfd h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">89,597<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb04 y6759 w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb05 y6759 wfd h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">89,597<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y675a wc5 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">Derivative financial instruments<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb06 y675a w5b9 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">14<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb07 y675a w5ba h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">67,046<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb08 y675a w5bb h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">1,158<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb09 y675a w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb0a y675a w254 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">68,204<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb0b y675a w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb0c y675a w254 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">68,204<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y675b wf2 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Deposits by banks<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n xb0d y675b w2bc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb0e y675b w2bc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb0f y675b w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb10 y675b w1cf h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb11 y675b w5bc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">30,846<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb12 y675b wf3 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">30,846<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y675c wf5 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Customer accounts<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n xb13 y675c w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb14 y675c w2bc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb15 y675c w1cf h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb16 y675c w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb17 y675c w5bd h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">530,161<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x274 y675c w5bd h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">530,161<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y675d w5be h219\"><div class=\"t m0 x1ed h3b y65db ff1 fs5 fc3 sc0 ls5 ws0\">Repurchase agreements and<span class=\"_ _3eb\"> </span></div><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">other similar secured borrowing<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb18 y675d w473 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">16<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb19 y675d w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb1a y675d w2bc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb1b y675d w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb1c y675d w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb1d y675d w5bf h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">7,757<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb1e y675d wfa h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">7,757<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y675e w101 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">Debt securities in issue<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb1f y675e wac h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">22<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb20 y675e w2bc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb21 y675e w2bc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb22 y675e w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb23 y675e w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb24 y675e w103 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">72,858<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb25 y675e w103 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">72,858<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y675f w105 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">Other liabilities<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb26 y675f w1e6 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">23<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb27 y675f w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb28 y675f w2bc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb29 y675f w1cf h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb2a y675f w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb2b y675f w5c0 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">45,788<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb2c y675f w5c0 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">45,788<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y6760 w5c1 h216\"><div class=\"t m0 x1ed h1a y65db ff4 fs5 fc3 sc0 ls5 ws5\">Subordinated liabilities and<span class=\"_ _3eb\"> </span></div><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">other borrowed funds<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb2d y6760 w5c2 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">27<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb2e y6760 w2bc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb2f y6760 w2bc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb30 y6760 w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb31 y6760 w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb32 y6760 w5c3 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">8,834<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb33 y6760 w110 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">8,834<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x235 h1a y6761 ff4 fs5 fc3 sc0 ls5 ws5\">Liabilities included in disposal </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y6762 w5c4 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">groups held for sale<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb34 y6762 w74 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">21<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb35 y6762 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb36 y6762 w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb37 y6762 w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb38 y6762 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb39 y6762 w5c5 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">908<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb3a y6762 w5c6 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">908<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6763 w5c7 h203\"><div class=\"t m0 x1ed h3d y655f ff5 fs5 fc3 sc0 ls5 ws5\">Total at 31 December 2025<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n xb3b y6763 w5c8 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">82,585<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb3c y6763 w5c9 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">1,158<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb3d y6763 w5ca h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">74,058<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb3e y6763 w2f9 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">157,801<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb3f y6763 w5cb h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">697,152<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb40 y6763 w5cc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">854,953<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y6764 w5ae h246\"><div class=\"t m0 x1ed h1a y6751 ff4 fs5 fc3 sc0 ls5 ws5\">Financial liabilities held at<span class=\"_ gs1a1\"> </span>fair<span class=\"_ _3eb\"> </span></div><div class=\"t m0 x1ed h3b y6600 ff1 fs5 fc3 sc0 ls5 ws0\">value through profit or loss<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x236 y6765 wf2 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Deposits by banks<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n xae0 y6765 w2bc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xae1 y6765 w2bc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb41 y6765 w5cd h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">1,893<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb42 y6765 w329 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">1,893<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb43 y6765 w1cf h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb44 y6765 w329 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">1,893<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x236 y6766 wf5 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Customer accounts<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n xae6 y6766 w2bc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xae7 y6766 w2bc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb45 y6766 w5ce h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">21,772<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb46 y6766 w5ce h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">21,772<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb47 y6766 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb48 y6766 w5ce h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">21,772<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x236 y6767 w5b1 h221\"><div class=\"t m0 x1ed h3b y65dd ff1 fs5 fc3 sc0 ls5 ws0\">Repurchase agreements and<span class=\"_ _3eb\"> </span></div><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">other similar secured<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x236 y6768 w5b2 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">borrowing<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb49 y6768 w2b4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">16<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb4a y6768 w5cf h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">925<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb4b y6768 w2bc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb4c y6768 w5d0 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">32,614<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb4d y6768 w5d1 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">33,539<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb4e y6768 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb4f y6768 w5d1 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">33,539<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x236 y6769 w101 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Debt securities in issue<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb50 y6769 w5d2 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">22<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb51 y6769 w41a h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb52 y6769 w2bc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb53 y6769 w5d3 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">13,730<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb54 y6769 w5d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">13,731<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb55 y6769 w1cf h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb56 y6769 w5d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">13,731<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x236 y676a w5b5 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Short positions<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n xb57 y676a w5d5 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">14,527<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb52 y676a w2bc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb58 y676a w1cf h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb59 y676a w5d6 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">14,527<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb5a y676a w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb5b y676a w5d7 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">14,527<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td></td><td class=\"c n xb5c y676b w26b h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">15,453<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb5d y676b w2bc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb5e y676b w2a3 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">70,009<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb5f y676b wfe h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">85,462<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb60 y676b w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb61 y676b wfe h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">85,462<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y676c wc5 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Derivative financial instruments<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb62 y676c w5d8 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">14<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb63 y676c w5d9 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">80,037<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb64 y676c w27e h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">2,027<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb65 y676c w1cf h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb66 y676c w100 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">82,064<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb67 y676c w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb68 y676c w100 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">82,064<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y676d wf2 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Deposits by banks<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n xb0d y676d w2bc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb0e y676d w2bc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb0f y676d w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb10 y676d w1cf h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb69 y676d wf4 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">25,400<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb6a y676d w5da h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">25,400<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y676e wf5 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Customer accounts<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n xb13 y676e w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb14 y676e w2bc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb15 y676e w1cf h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb16 y676e w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb6b y676e wf7 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">464,489<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb6c y676e wf7 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">464,489<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y676f w5be h221\"><div class=\"t m0 x1ed h3b y65dd ff1 fs5 fc3 sc0 ls5 ws0\">Repurchase agreements and<span class=\"_ _3eb\"> </span></div><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">other similar secured borrowing<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb6d y676f w2b4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">16<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb6e y676f w2bc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb6f y676f w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb70 y676f w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb71 y676f w1cf h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb72 y676f w5db h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">12,132<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb73 y676f w5db h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">12,132<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6770 w101 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Debt securities in issue<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb74 y6770 w5d2 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">22<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb75 y6770 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb76 y6770 w2bc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb77 y6770 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb78 y6770 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb79 y6770 w104 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">64,609<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb7a y6770 w104 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">64,609<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6771 w105 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Other liabilities<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb7b y6771 w1ec h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">23<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb7c y6771 w2bc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb7d y6771 w2bc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb7e y6771 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb7f y6771 w1cf h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb80 y6771 w5dc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">44,047<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb81 y6771 w5dc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">44,047<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y6772 w5c1 h217\"><div class=\"t m0 x1ed h1a y65dd ff4 fs5 fc3 sc0 ls5 ws5\">Subordinated liabilities and<span class=\"_ _3eb\"> </span></div><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">other borrowed funds<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb82 y6772 w3ab h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">27<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb83 y6772 w2bc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb84 y6772 w2bc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb85 y6772 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb86 y6772 w1cf h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb87 y6772 w5dd h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">10,382<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb88 y6772 w5dd h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">10,382<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x235 h1a y6773 ff4 fs5 fc3 sc0 ls5 ws5\">Liabilities included in disposal </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y6774 w5c4 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">groups held for sale<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb89 y6774 w1e8 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">21<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb8a y6774 w2bc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb8b y6774 w2bc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb8c y6774 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb8d y6774 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb8e y6774 w5de h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">360<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb8f y6774 w5de h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">360<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6775 w5df h203\"><div class=\"t m0 x1ed h1a y65de ff5 fs5 fc3 sc0 ls5 ws5\">Total at 31 December 2024<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n xb90 y6775 w5e0 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">95,490<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb91 y6775 w27e h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">2,027<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb92 y6775 w2a3 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">70,009<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb93 y6775 w5e1 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">167,526<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb94 y6775 w5e2 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">621,419<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb95 y6775 w5e3 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">788,945<span class=\"_ _3eb\"> </span></div></td></tr></table>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfFinancialLiabilitiesExplanatory",
    "language": "en",
    "entity": "scheme:U4LOSYZ7YG4W3S5F2G91",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-692": {
   "value": "Offsetting of financial <span class=\"_ _7\"></span>instruments<span class=\"_ _3eb\"> </span>Financial assets and liabilities are offset <span class=\"_ _7\"></span>and the net amount reported in the <span class=\"_ _7\"></span>balance sheet when there is a <span class=\"_ _7\"></span>legally enforceable right to offset the recognised amounts <span class=\"_ _7\"></span>and there is an intention to settle <span class=\"_ _7\"></span>on a net basis, or to <span class=\"_ _7\"></span>realise the asset and settle the liability simultaneously. In practice, for credit mitigation, the <span class=\"_ _7\"></span>Group is able to offset assets and <span class=\"_ _7\"></span>liabilities which do not meet the <span class=\"_ _7\"></span>IAS 32 netting criteria set out below. Such arrangements include master <span class=\"_ _7\"></span>netting arrangements for derivatives and global master <span class=\"_ _7\"></span>repurchase agreements for repurchase and reverse repurchase transactions. <span class=\"_ _7\"></span>These agreements generally allow that all outstanding <span class=\"_ _7\"></span>transactions with a<span class=\"_ gs36\"> </span>particular counterparty can be offset but <span class=\"_ _7\"></span>only in the event of default or <span class=\"_ _7\"></span>other predetermined events. In addition, the Group also receives <span class=\"_ _7\"></span>and pledges readily realisable collateral for derivative <span class=\"_ _7\"></span>transactions to cover net exposure in<span class=\"_ gs36\"> </span>the event of a default. Under <span class=\"_ _7\"></span>repurchase and reverse repurchase agreements the Group <span class=\"_ _7\"></span>pledges (legally sells) and obtains (legally purchases) respectively, highly liquid assets <span class=\"_ _7\"></span>which can be sold in the event <span class=\"_ _7\"></span>of a default. The following tables set out the <span class=\"_ _7\"></span>impact of netting on the balance sheet. <span class=\"_ _7\"></span>This comprises derivative transactions settled through an enforceable netting agreement where we <span class=\"_ _7\"></span>have the intent and ability to settle <span class=\"_ _7\"></span>net and which are offset on <span class=\"_ _7\"></span>the balance sheet.<span class=\"_ _3eb\"> </span><table class=\"s w5e4 h248\" id=\"_d2120341-3e0d-4ea0-a366-d4849f0460d8\"><tr><td></td><td></td><td></td><td class=\"t m0 x9cb h38 y6776 ff5 fs17 fc0 sc0 ls21 ws20\">Net amounts </td><td class=\"t m0 xb96 h38 y6776 ff5 fs17 fc0 sc0 ls21 ws20\">Related amount not offset </td><td></td><td></td></tr><tr><td></td><td class=\"t m0 x5f9 h38 y6777 ff5 fs17 fc0 sc0 ls21 ws20\">Gross amounts </td><td></td><td class=\"t m0 x602 h38 y6777 ff5 fs17 fc0 sc0 ls21 ws20\">of<span class=\"_ gs40f\"> </span>financial </td><td class=\"t m0 x5fb h38 y6777 ff5 fs17 fc0 sc0 ls21 ws20\" colspan=\"2\">in<span class=\"_ gs40f\"> </span>the<span class=\"_ gs40f\"> </span>balance sheet<span class=\"_ _3eb\"> </span></td><td></td></tr><tr><td></td><td class=\"t m0 xb97 h38 y6778 ff5 fs17 fc0 sc0 ls21 ws20\">of<span class=\"_ gs40f\"> </span>recognised </td><td class=\"t m0 xb98 h38 y6778 ff5 fs17 fc0 sc0 ls21 ws20\">Impact of<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x542 h38 y6778 ff5 fs17 fc0 sc0 ls21 ws20\">instruments </td><td></td><td></td><td></td></tr><tr><td></td><td class=\"t m0 xb99 h38 y6779 ff5 fs17 fc0 sc0 ls21 ws20\">financial </td><td class=\"t m0 x8b2 h38 y6779 ff5 fs17 fc0 sc0 ls21 ws20\">offset in the </td><td class=\"t m0 x9cd h38 y6779 ff5 fs17 fc0 sc0 ls21 ws20\">presented in the </td><td class=\"t m0 x7bc h38 y6779 ff5 fs17 fc0 sc0 ls21 ws20\">Financial </td><td class=\"t m0 xb9a h38 y6779 ff5 fs17 fc0 sc0 ls21 ws20\">Financial </td><td></td></tr><tr><td></td><td class=\"t m0 xb9b h38 y677a ff5 fs17 fc0 sc0 ls21 ws20\">instruments<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xb9c h38 y677a ff5 fs17 fc0 sc0 ls21 ws20\">balance sheet<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xb9d h38 y677a ff5 fs17 fc0 sc0 ls21 ws20\">balance sheet<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xb9e h38 y677a ff5 fs17 fc0 sc0 ls21 ws20\">collateral<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xb96 h38 y677a ff5 fs17 fc0 sc0 ls21 ws20\">instruments<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xb9f h38 y677a ff5 fs17 fc0 sc0 ls21 ws20\">Net amount<span class=\"_ _3eb\"> </span></td></tr><tr><td></td><td class=\"t m0 x8f9 h38 y677b ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x8bc h38 y677b ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x404 h38 y677b ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1eb h38 y677b ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x405 h38 y677b ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1ec h38 y677b ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"t m0 x221 h8 y677c ff5 fs5 fc3 sc0 ls5 ws5\">At 31 December 2025<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y677d wc5 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">Derivative financial instruments<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xba0 y677d w5e5 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">78,518<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xba1 y677d w5e6 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(12,736)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xba2 y677d w5e7 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">65,782<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xba3 y677d w5e8 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(14,168)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xba4 y677d w5e9 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(44,712)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xba5 y677d w2e1 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">6,902<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y677e w5ea h219\"><div class=\"t m0 x1ed h3b y65db ff1 fs5 fc3 sc0 ls5 ws0\">Reverse repurchase agreements and other<span class=\"_ _3eb\"> </span></div><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">similar secured lending<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xba6 y677e w5eb h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">160,964<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xba7 y677e w5ec h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(64,868)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xba8 y677e w5ed h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">96,096<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xba9 y677e w5ee h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(96,096)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbaa y677e w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbab y677e w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y677f w5ef h203\"><div class=\"t m0 x1ed h3d y655f ff5 fs5 fc3 sc0 ls5 ws5\">Total Assets<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbac y677f w5f0 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">239,482<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbad y677f w5f1 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(77,604)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbae y677f w2fb h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">161,878<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbaf y677f w5f2 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(110,264)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbb0 y677f w5e9 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(44,712)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbb1 y677f w5f3 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">6,902<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6780 wc5 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">Derivative financial instruments<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbb2 y6780 w5f4 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">80,923<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbb3 y6780 w5f5 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(12,719)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbb4 y6780 w286 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">68,204<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbb5 y6780 w5f6 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(12,868)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbb6 y6780 w5f7 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(44,712)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbb7 y6780 w3ba h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">10,624<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x221 h1a y6781 ff4 fs5 fc3 sc0 ls5 ws5\">Repurchase agreements and other similar </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y6782 w5f8 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">secured borrowing<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbb8 y6782 w5f9 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">108,932<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbb9 y6782 w5ec h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(64,868)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbba y6782 w5fa h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">44,064<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbbb y6782 w5fb h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(44,064)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbbc y6782 w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbbd y6782 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6783 w5fc h203\"><div class=\"t m0 x1ed h3d y655f ff5 fs5 fc3 sc0 ls5 ws5\">Total Liabilities<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbbe y6783 w5fd h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">189,855<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbbf y6783 w5fe h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(77,587)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbc0 y6783 w4e4 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">112,268<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbc1 y6783 w5ff h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(56,932)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbc2 y6783 w5e9 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(44,712)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbc3 y6783 w3ba h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">10,624<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x221 h8 y6784 ff5 fs5 fc3 sc0 ls5 ws5\">At 31 December 2024<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y6785 wc5 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Derivative financial instruments<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbc4 y6785 w32f h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">97,902<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbc5 y6785 w600 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(16,430)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbc6 y6785 w601 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">81,472<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbc7 y6785 w602 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(15,005)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbc8 y6785 w603 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(60,280)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbc9 y6785 w604 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">6,187<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y65f5 w5ea h221\"><div class=\"t m0 x1ed h3b y65dd ff1 fs5 fc3 sc0 ls5 ws0\">Reverse repurchase agreements and other<span class=\"_ _3eb\"> </span></div><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">similar secured lending<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbca y65f5 w605 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">137,115<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbcb y65f5 w606 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(38,314)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbcc y65f5 w607 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">98,801<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbcd y65f5 w608 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(98,801)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbce y65f5 w1cf h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbcf y65f5 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y65f6 w5ef h203\"><div class=\"t m0 x1ed h1a y65de ff5 fs5 fc3 sc0 ls5 ws5\">Total Assets<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbd0 y65f6 w609 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">235,017<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbd1 y65f6 w60a h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(54,744)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbd2 y65f6 w60b h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">180,273<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbd3 y65f6 w60c h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(113,806)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbd4 y65f6 w60d h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(60,280)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbd5 y65f6 w60e h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">6,187<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y65f7 wc5 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Derivative financial instruments<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbd6 y65f7 w60f h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">98,494<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbd7 y65f7 w600 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(16,430)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbd8 y65f7 w610 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">82,064<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbd9 y65f7 w611 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(11,046)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbda y65f7 w603 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(60,280)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbdb y65f7 w612 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">10,738<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x221 h1a y6786 ff4 fs5 fc3 sc0 ls5 ws5\">Repurchase agreements and other similar </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y6566 w5f8 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">secured borrowing<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbdc y6566 w613 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">83,985<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbdd y6566 w606 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(38,314)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbde y6566 w614 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">45,671<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbdf y6566 w615 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(45,671)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8d8 y6566 w1cf h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbe0 y6566 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6567 w5fc h203\"><div class=\"t m0 x1ed h1a y65de ff5 fs5 fc3 sc0 ls5 ws5\">Total Liabilities<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbe1 y6567 w616 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">182,479<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbe2 y6567 w617 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(54,744)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbe3 y6567 w618 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">127,735<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbe4 y6567 w619 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(56,717)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbe5 y6567 w603 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(60,280)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbe6 y6567 w612 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">10,738<span class=\"_ _3eb\"> </span></div></td></tr></table>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfOffsettingOfFinancialLiabilitiesExplanatory",
    "language": "en",
    "entity": "scheme:U4LOSYZ7YG4W3S5F2G91",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-701": {
   "value": "Offsetting of financial <span class=\"_ _7\"></span>instruments<span class=\"_ _3eb\"> </span>Financial assets and liabilities are offset <span class=\"_ _7\"></span>and the net amount reported in the <span class=\"_ _7\"></span>balance sheet when there is a <span class=\"_ _7\"></span>legally enforceable right to offset the recognised amounts <span class=\"_ _7\"></span>and there is an intention to settle <span class=\"_ _7\"></span>on a net basis, or to <span class=\"_ _7\"></span>realise the asset and settle the liability simultaneously. In practice, for credit mitigation, the <span class=\"_ _7\"></span>Group is able to offset assets and <span class=\"_ _7\"></span>liabilities which do not meet the <span class=\"_ _7\"></span>IAS 32 netting criteria set out below. Such arrangements include master <span class=\"_ _7\"></span>netting arrangements for derivatives and global master <span class=\"_ _7\"></span>repurchase agreements for repurchase and reverse repurchase transactions. <span class=\"_ _7\"></span>These agreements generally allow that all outstanding <span class=\"_ _7\"></span>transactions with a<span class=\"_ gs36\"> </span>particular counterparty can be offset but <span class=\"_ _7\"></span>only in the event of default or <span class=\"_ _7\"></span>other predetermined events. In addition, the Group also receives <span class=\"_ _7\"></span>and pledges readily realisable collateral for derivative <span class=\"_ _7\"></span>transactions to cover net exposure in<span class=\"_ gs36\"> </span>the event of a default. Under <span class=\"_ _7\"></span>repurchase and reverse repurchase agreements the Group <span class=\"_ _7\"></span>pledges (legally sells) and obtains (legally purchases) respectively, highly liquid assets <span class=\"_ _7\"></span>which can be sold in the event <span class=\"_ _7\"></span>of a default. The following tables set out the <span class=\"_ _7\"></span>impact of netting on the balance sheet. <span class=\"_ _7\"></span>This comprises derivative transactions settled through an enforceable netting agreement where we <span class=\"_ _7\"></span>have the intent and ability to settle <span class=\"_ _7\"></span>net and which are offset on <span class=\"_ _7\"></span>the balance sheet.<span class=\"_ _3eb\"> </span><table class=\"s w5e4 h248\" id=\"_d2120341-3e0d-4ea0-a366-d4849f0460d8\"><tr><td></td><td></td><td></td><td class=\"t m0 x9cb h38 y6776 ff5 fs17 fc0 sc0 ls21 ws20\">Net amounts </td><td class=\"t m0 xb96 h38 y6776 ff5 fs17 fc0 sc0 ls21 ws20\">Related amount not offset </td><td></td><td></td></tr><tr><td></td><td class=\"t m0 x5f9 h38 y6777 ff5 fs17 fc0 sc0 ls21 ws20\">Gross amounts </td><td></td><td class=\"t m0 x602 h38 y6777 ff5 fs17 fc0 sc0 ls21 ws20\">of<span class=\"_ gs40f\"> </span>financial </td><td class=\"t m0 x5fb h38 y6777 ff5 fs17 fc0 sc0 ls21 ws20\" colspan=\"2\">in<span class=\"_ gs40f\"> </span>the<span class=\"_ gs40f\"> </span>balance sheet<span class=\"_ _3eb\"> </span></td><td></td></tr><tr><td></td><td class=\"t m0 xb97 h38 y6778 ff5 fs17 fc0 sc0 ls21 ws20\">of<span class=\"_ gs40f\"> </span>recognised </td><td class=\"t m0 xb98 h38 y6778 ff5 fs17 fc0 sc0 ls21 ws20\">Impact of<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x542 h38 y6778 ff5 fs17 fc0 sc0 ls21 ws20\">instruments </td><td></td><td></td><td></td></tr><tr><td></td><td class=\"t m0 xb99 h38 y6779 ff5 fs17 fc0 sc0 ls21 ws20\">financial </td><td class=\"t m0 x8b2 h38 y6779 ff5 fs17 fc0 sc0 ls21 ws20\">offset in the </td><td class=\"t m0 x9cd h38 y6779 ff5 fs17 fc0 sc0 ls21 ws20\">presented in the </td><td class=\"t m0 x7bc h38 y6779 ff5 fs17 fc0 sc0 ls21 ws20\">Financial </td><td class=\"t m0 xb9a h38 y6779 ff5 fs17 fc0 sc0 ls21 ws20\">Financial </td><td></td></tr><tr><td></td><td class=\"t m0 xb9b h38 y677a ff5 fs17 fc0 sc0 ls21 ws20\">instruments<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xb9c h38 y677a ff5 fs17 fc0 sc0 ls21 ws20\">balance sheet<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xb9d h38 y677a ff5 fs17 fc0 sc0 ls21 ws20\">balance sheet<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xb9e h38 y677a ff5 fs17 fc0 sc0 ls21 ws20\">collateral<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xb96 h38 y677a ff5 fs17 fc0 sc0 ls21 ws20\">instruments<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xb9f h38 y677a ff5 fs17 fc0 sc0 ls21 ws20\">Net amount<span class=\"_ _3eb\"> </span></td></tr><tr><td></td><td class=\"t m0 x8f9 h38 y677b ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x8bc h38 y677b ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x404 h38 y677b ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1eb h38 y677b ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x405 h38 y677b ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1ec h38 y677b ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"t m0 x221 h8 y677c ff5 fs5 fc3 sc0 ls5 ws5\">At 31 December 2025<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y677d wc5 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">Derivative financial instruments<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xba0 y677d w5e5 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">78,518<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xba1 y677d w5e6 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(12,736)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xba2 y677d w5e7 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">65,782<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xba3 y677d w5e8 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(14,168)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xba4 y677d w5e9 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(44,712)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xba5 y677d w2e1 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">6,902<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y677e w5ea h219\"><div class=\"t m0 x1ed h3b y65db ff1 fs5 fc3 sc0 ls5 ws0\">Reverse repurchase agreements and other<span class=\"_ _3eb\"> </span></div><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">similar secured lending<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xba6 y677e w5eb h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">160,964<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xba7 y677e w5ec h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(64,868)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xba8 y677e w5ed h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">96,096<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xba9 y677e w5ee h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(96,096)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbaa y677e w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbab y677e w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y677f w5ef h203\"><div class=\"t m0 x1ed h3d y655f ff5 fs5 fc3 sc0 ls5 ws5\">Total Assets<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbac y677f w5f0 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">239,482<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbad y677f w5f1 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(77,604)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbae y677f w2fb h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">161,878<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbaf y677f w5f2 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(110,264)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbb0 y677f w5e9 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(44,712)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbb1 y677f w5f3 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">6,902<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6780 wc5 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">Derivative financial instruments<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbb2 y6780 w5f4 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">80,923<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbb3 y6780 w5f5 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(12,719)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbb4 y6780 w286 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">68,204<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbb5 y6780 w5f6 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(12,868)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbb6 y6780 w5f7 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(44,712)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbb7 y6780 w3ba h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">10,624<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x221 h1a y6781 ff4 fs5 fc3 sc0 ls5 ws5\">Repurchase agreements and other similar </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y6782 w5f8 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">secured borrowing<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbb8 y6782 w5f9 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">108,932<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbb9 y6782 w5ec h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(64,868)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbba y6782 w5fa h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">44,064<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbbb y6782 w5fb h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(44,064)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbbc y6782 w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbbd y6782 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6783 w5fc h203\"><div class=\"t m0 x1ed h3d y655f ff5 fs5 fc3 sc0 ls5 ws5\">Total Liabilities<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbbe y6783 w5fd h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">189,855<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbbf y6783 w5fe h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(77,587)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbc0 y6783 w4e4 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">112,268<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbc1 y6783 w5ff h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(56,932)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbc2 y6783 w5e9 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(44,712)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbc3 y6783 w3ba h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">10,624<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x221 h8 y6784 ff5 fs5 fc3 sc0 ls5 ws5\">At 31 December 2024<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y6785 wc5 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Derivative financial instruments<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbc4 y6785 w32f h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">97,902<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbc5 y6785 w600 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(16,430)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbc6 y6785 w601 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">81,472<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbc7 y6785 w602 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(15,005)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbc8 y6785 w603 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(60,280)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbc9 y6785 w604 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">6,187<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y65f5 w5ea h221\"><div class=\"t m0 x1ed h3b y65dd ff1 fs5 fc3 sc0 ls5 ws0\">Reverse repurchase agreements and other<span class=\"_ _3eb\"> </span></div><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">similar secured lending<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbca y65f5 w605 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">137,115<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbcb y65f5 w606 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(38,314)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbcc y65f5 w607 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">98,801<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbcd y65f5 w608 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(98,801)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbce y65f5 w1cf h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbcf y65f5 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y65f6 w5ef h203\"><div class=\"t m0 x1ed h1a y65de ff5 fs5 fc3 sc0 ls5 ws5\">Total Assets<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbd0 y65f6 w609 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">235,017<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbd1 y65f6 w60a h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(54,744)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbd2 y65f6 w60b h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">180,273<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbd3 y65f6 w60c h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(113,806)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbd4 y65f6 w60d h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(60,280)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbd5 y65f6 w60e h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">6,187<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y65f7 wc5 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Derivative financial instruments<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbd6 y65f7 w60f h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">98,494<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbd7 y65f7 w600 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(16,430)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbd8 y65f7 w610 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">82,064<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbd9 y65f7 w611 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(11,046)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbda y65f7 w603 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(60,280)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbdb y65f7 w612 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">10,738<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x221 h1a y6786 ff4 fs5 fc3 sc0 ls5 ws5\">Repurchase agreements and other similar </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y6566 w5f8 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">secured borrowing<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbdc y6566 w613 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">83,985<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbdd y6566 w606 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(38,314)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbde y6566 w614 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">45,671<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbdf y6566 w615 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(45,671)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8d8 y6566 w1cf h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbe0 y6566 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6567 w5fc h203\"><div class=\"t m0 x1ed h1a y65de ff5 fs5 fc3 sc0 ls5 ws5\">Total Liabilities<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbe1 y6567 w616 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">182,479<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbe2 y6567 w617 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(54,744)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbe3 y6567 w618 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">127,735<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbe4 y6567 w619 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(56,717)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbe5 y6567 w603 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(60,280)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbe6 y6567 w612 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">10,738<span class=\"_ _3eb\"> </span></div></td></tr></table>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfOffsettingOfFinancialAssetsExplanatory",
    "language": "en",
    "entity": "scheme:U4LOSYZ7YG4W3S5F2G91",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-703": {
   "value": "Offsetting of financial <span class=\"_ _7\"></span>instruments<span class=\"_ _3eb\"> </span>Financial assets and liabilities are offset <span class=\"_ _7\"></span>and the net amount reported in the <span class=\"_ _7\"></span>balance sheet when there is a <span class=\"_ _7\"></span>legally enforceable right to offset the recognised amounts <span class=\"_ _7\"></span>and there is an intention to settle <span class=\"_ _7\"></span>on a net basis, or to <span class=\"_ _7\"></span>realise the asset and settle the liability simultaneously. In practice, for credit mitigation, the <span class=\"_ _7\"></span>Group is able to offset assets and <span class=\"_ _7\"></span>liabilities which do not meet the <span class=\"_ _7\"></span>IAS 32 netting criteria set out below. Such arrangements include master <span class=\"_ _7\"></span>netting arrangements for derivatives and global master <span class=\"_ _7\"></span>repurchase agreements for repurchase and reverse repurchase transactions. <span class=\"_ _7\"></span>These agreements generally allow that all outstanding <span class=\"_ _7\"></span>transactions with a<span class=\"_ gs36\"> </span>particular counterparty can be offset but <span class=\"_ _7\"></span>only in the event of default or <span class=\"_ _7\"></span>other predetermined events. In addition, the Group also receives <span class=\"_ _7\"></span>and pledges readily realisable collateral for derivative <span class=\"_ _7\"></span>transactions to cover net exposure in<span class=\"_ gs36\"> </span>the event of a default. Under <span class=\"_ _7\"></span>repurchase and reverse repurchase agreements the Group <span class=\"_ _7\"></span>pledges (legally sells) and obtains (legally purchases) respectively, highly liquid assets <span class=\"_ _7\"></span>which can be sold in the event <span class=\"_ _7\"></span>of a default. The following tables set out the <span class=\"_ _7\"></span>impact of netting on the balance sheet. <span class=\"_ _7\"></span>This comprises derivative transactions settled through an enforceable netting agreement where we <span class=\"_ _7\"></span>have the intent and ability to settle <span class=\"_ _7\"></span>net and which are offset on <span class=\"_ _7\"></span>the balance sheet.<span class=\"_ _3eb\"> </span><table class=\"s w5e4 h248\" id=\"_d2120341-3e0d-4ea0-a366-d4849f0460d8\"><tr><td></td><td></td><td></td><td class=\"t m0 x9cb h38 y6776 ff5 fs17 fc0 sc0 ls21 ws20\">Net amounts </td><td class=\"t m0 xb96 h38 y6776 ff5 fs17 fc0 sc0 ls21 ws20\">Related amount not offset </td><td></td><td></td></tr><tr><td></td><td class=\"t m0 x5f9 h38 y6777 ff5 fs17 fc0 sc0 ls21 ws20\">Gross amounts </td><td></td><td class=\"t m0 x602 h38 y6777 ff5 fs17 fc0 sc0 ls21 ws20\">of<span class=\"_ gs40f\"> </span>financial </td><td class=\"t m0 x5fb h38 y6777 ff5 fs17 fc0 sc0 ls21 ws20\" colspan=\"2\">in<span class=\"_ gs40f\"> </span>the<span class=\"_ gs40f\"> </span>balance sheet<span class=\"_ _3eb\"> </span></td><td></td></tr><tr><td></td><td class=\"t m0 xb97 h38 y6778 ff5 fs17 fc0 sc0 ls21 ws20\">of<span class=\"_ gs40f\"> </span>recognised </td><td class=\"t m0 xb98 h38 y6778 ff5 fs17 fc0 sc0 ls21 ws20\">Impact of<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x542 h38 y6778 ff5 fs17 fc0 sc0 ls21 ws20\">instruments </td><td></td><td></td><td></td></tr><tr><td></td><td class=\"t m0 xb99 h38 y6779 ff5 fs17 fc0 sc0 ls21 ws20\">financial </td><td class=\"t m0 x8b2 h38 y6779 ff5 fs17 fc0 sc0 ls21 ws20\">offset in the </td><td class=\"t m0 x9cd h38 y6779 ff5 fs17 fc0 sc0 ls21 ws20\">presented in the </td><td class=\"t m0 x7bc h38 y6779 ff5 fs17 fc0 sc0 ls21 ws20\">Financial </td><td class=\"t m0 xb9a h38 y6779 ff5 fs17 fc0 sc0 ls21 ws20\">Financial </td><td></td></tr><tr><td></td><td class=\"t m0 xb9b h38 y677a ff5 fs17 fc0 sc0 ls21 ws20\">instruments<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xb9c h38 y677a ff5 fs17 fc0 sc0 ls21 ws20\">balance sheet<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xb9d h38 y677a ff5 fs17 fc0 sc0 ls21 ws20\">balance sheet<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xb9e h38 y677a ff5 fs17 fc0 sc0 ls21 ws20\">collateral<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xb96 h38 y677a ff5 fs17 fc0 sc0 ls21 ws20\">instruments<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xb9f h38 y677a ff5 fs17 fc0 sc0 ls21 ws20\">Net amount<span class=\"_ _3eb\"> </span></td></tr><tr><td></td><td class=\"t m0 x8f9 h38 y677b ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x8bc h38 y677b ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x404 h38 y677b ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1eb h38 y677b ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x405 h38 y677b ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1ec h38 y677b ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"t m0 x221 h8 y677c ff5 fs5 fc3 sc0 ls5 ws5\">At 31 December 2025<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y677d wc5 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">Derivative financial instruments<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xba0 y677d w5e5 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">78,518<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xba1 y677d w5e6 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(12,736)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xba2 y677d w5e7 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">65,782<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xba3 y677d w5e8 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(14,168)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xba4 y677d w5e9 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(44,712)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xba5 y677d w2e1 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">6,902<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y677e w5ea h219\"><div class=\"t m0 x1ed h3b y65db ff1 fs5 fc3 sc0 ls5 ws0\">Reverse repurchase agreements and other<span class=\"_ _3eb\"> </span></div><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">similar secured lending<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xba6 y677e w5eb h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">160,964<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xba7 y677e w5ec h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(64,868)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xba8 y677e w5ed h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">96,096<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xba9 y677e w5ee h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(96,096)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbaa y677e w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbab y677e w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y677f w5ef h203\"><div class=\"t m0 x1ed h3d y655f ff5 fs5 fc3 sc0 ls5 ws5\">Total Assets<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbac y677f w5f0 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">239,482<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbad y677f w5f1 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(77,604)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbae y677f w2fb h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">161,878<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbaf y677f w5f2 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(110,264)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbb0 y677f w5e9 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(44,712)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbb1 y677f w5f3 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">6,902<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6780 wc5 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">Derivative financial instruments<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbb2 y6780 w5f4 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">80,923<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbb3 y6780 w5f5 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(12,719)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbb4 y6780 w286 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">68,204<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbb5 y6780 w5f6 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(12,868)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbb6 y6780 w5f7 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(44,712)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbb7 y6780 w3ba h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">10,624<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x221 h1a y6781 ff4 fs5 fc3 sc0 ls5 ws5\">Repurchase agreements and other similar </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y6782 w5f8 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">secured borrowing<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbb8 y6782 w5f9 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">108,932<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbb9 y6782 w5ec h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(64,868)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbba y6782 w5fa h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">44,064<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbbb y6782 w5fb h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(44,064)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbbc y6782 w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbbd y6782 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6783 w5fc h203\"><div class=\"t m0 x1ed h3d y655f ff5 fs5 fc3 sc0 ls5 ws5\">Total Liabilities<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbbe y6783 w5fd h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">189,855<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbbf y6783 w5fe h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(77,587)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbc0 y6783 w4e4 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">112,268<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbc1 y6783 w5ff h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(56,932)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbc2 y6783 w5e9 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(44,712)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbc3 y6783 w3ba h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">10,624<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x221 h8 y6784 ff5 fs5 fc3 sc0 ls5 ws5\">At 31 December 2024<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y6785 wc5 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Derivative financial instruments<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbc4 y6785 w32f h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">97,902<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbc5 y6785 w600 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(16,430)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbc6 y6785 w601 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">81,472<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbc7 y6785 w602 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(15,005)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbc8 y6785 w603 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(60,280)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbc9 y6785 w604 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">6,187<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y65f5 w5ea h221\"><div class=\"t m0 x1ed h3b y65dd ff1 fs5 fc3 sc0 ls5 ws0\">Reverse repurchase agreements and other<span class=\"_ _3eb\"> </span></div><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">similar secured lending<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbca y65f5 w605 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">137,115<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbcb y65f5 w606 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(38,314)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbcc y65f5 w607 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">98,801<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbcd y65f5 w608 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(98,801)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbce y65f5 w1cf h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbcf y65f5 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y65f6 w5ef h203\"><div class=\"t m0 x1ed h1a y65de ff5 fs5 fc3 sc0 ls5 ws5\">Total Assets<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbd0 y65f6 w609 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">235,017<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbd1 y65f6 w60a h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(54,744)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbd2 y65f6 w60b h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">180,273<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbd3 y65f6 w60c h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(113,806)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbd4 y65f6 w60d h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(60,280)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbd5 y65f6 w60e h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">6,187<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y65f7 wc5 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Derivative financial instruments<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbd6 y65f7 w60f h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">98,494<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbd7 y65f7 w600 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(16,430)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbd8 y65f7 w610 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">82,064<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbd9 y65f7 w611 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(11,046)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbda y65f7 w603 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(60,280)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbdb y65f7 w612 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">10,738<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x221 h1a y6786 ff4 fs5 fc3 sc0 ls5 ws5\">Repurchase agreements and other similar </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y6566 w5f8 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">secured borrowing<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbdc y6566 w613 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">83,985<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbdd y6566 w606 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(38,314)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbde y6566 w614 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">45,671<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbdf y6566 w615 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(45,671)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8d8 y6566 w1cf h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbe0 y6566 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6567 w5fc h203\"><div class=\"t m0 x1ed h1a y65de ff5 fs5 fc3 sc0 ls5 ws5\">Total Liabilities<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbe1 y6567 w616 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">182,479<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbe2 y6567 w617 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(54,744)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbe3 y6567 w618 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">127,735<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbe4 y6567 w619 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(56,717)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbe5 y6567 w603 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(60,280)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbe6 y6567 w612 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">10,738<span class=\"_ _3eb\"> </span></div></td></tr></table>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfOffsettingOfFinancialAssetsAndFinancialLiabilitiesExplanatory",
    "language": "en",
    "entity": "scheme:U4LOSYZ7YG4W3S5F2G91",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-694": {
   "value": "Financial liabilities designated <span class=\"_ _7\"></span>at fair <span class=\"_ _7\"></span>value through profit <span class=\"_ _7\"></span>or loss<span class=\"_ _3eb\"> </span><table class=\"s w61a h249\" id=\"_8335e921-f362-4a1f-a125-12897b1a57c7\"><tr><td></td><td class=\"t m0 x230 h38 y6787 ff5 fs17 fc0 sc0 ls21 ws20\">2025<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x231 h39 y6787 ff1 fs17 fc3 sc0 ls21 ws20\">2024<span class=\"_ _3eb\"> </span></td></tr><tr><td></td><td class=\"t m0 x233 h38 y6788 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x234 h2c y6788 ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c n x1ee y6610 w61b h1fe\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Carrying Balance aggregate fair value<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbe7 y6610 w5b8 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">74,058<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbe8 y6610 w61c h1ff\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">70,009<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6577 w61d h1fe\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Amount Contractually obliged to repay at maturity<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb94 y6577 w61e h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">73,843<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbe9 y6577 w61f h1ff\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">70,166<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6566 w620 h1fe\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Difference between aggregate fair value and contractually obliged to repay at maturity<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbea y6566 we8 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">215<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbeb y6566 w621 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(157)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6567 w622 h1fe\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Cumulative change in Fair Value accredited to Credit Risk Difference<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbec y6567 w35a h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(433)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9b8 y6567 w623 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(276)<span class=\"_ _3eb\"> </span></div></td></tr></table>The net fair value loss on <span class=\"_ _7\"></span>financial liabilities designated at fair value through <span class=\"_ _7\"></span>profit or loss was $3,476 million <span class=\"_ _7\"></span>for the year (31 December 2024: net loss of <span class=\"_ _7\"></span>$3,252 million).<span class=\"_ _3eb\"> </span>Further details of the Group\u2019s own <span class=\"_ _7\"></span>credit adjustment (OCA) valuation technique is described <span class=\"_ _7\"></span>later in this Note. ",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfFinancialInstrumentsDesignatedAtFairValueThroughProfitOrLossExplanatory",
    "language": "en",
    "entity": "scheme:U4LOSYZ7YG4W3S5F2G91",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-693": {
   "value": "Valuation of financial <span class=\"_ _7\"></span>instruments<span class=\"_ _3eb\"> </span>The Valuation Methodology function is responsible <span class=\"_ _7\"></span>for independent price verification, oversight of fair <span class=\"_ _7\"></span>value and appropriate value adjustments and escalation of valuation <span class=\"_ _7\"></span>issues. Independent price verification is the process <span class=\"_ _7\"></span>of determining that the valuations incorporated into the financial statements <span class=\"_ _7\"></span>are validated independent of the business area <span class=\"_ _7\"></span>responsible for the product. The Valuation Methodology function has <span class=\"_ _7\"></span>oversight of the fair value adjustments to <span class=\"_ _7\"></span>ensure the financial instruments are priced to exit. These are <span class=\"_ _7\"></span>key controls in ensuring the material accuracy <span class=\"_ _7\"></span>of the valuations incorporated in the <span class=\"_ _7\"></span>financial statements. The market data used for <span class=\"_ _7\"></span>price verification (PV) may include data sourced <span class=\"_ _7\"></span>from recent trade data involving external counterparties or third parties such <span class=\"_ _7\"></span>as Bloomberg, Reuters, brokers and consensus pricing <span class=\"_ _7\"></span>providers. The Valuation Methodology function performs an ongoing review of the market data sources that are used as part of the PV and fair value processes which are formally documented on <span class=\"_ _7\"></span>a semi-annual basis detailing the suitability of <span class=\"_ _7\"></span>the market data used for price testing. Price verification uses independently sourced <span class=\"_ _7\"></span>data that is deemed most representative of <span class=\"_ _7\"></span>the market the instruments trade in. To determine the quality <span class=\"_ _7\"></span>of the market data inputs, factors such <span class=\"_ _7\"></span>as independence, relevance, reliability, availability of<span class=\"_ gs36\"> </span>multiple data sources and methodology employed <span class=\"_ _7\"></span>by the pricing provider are taken into <span class=\"_ _7\"></span>consideration. The Valuation and Benchmarks Committee (VBC) <span class=\"_ _7\"></span>is the valuation governance forum consisting of <span class=\"_ _7\"></span>representatives from Traded Risk Management, Product Control, Valuation Methodology and the business, which meets monthly to discuss and approve the independent valuations of the inventory. For <span class=\"_ _7\"></span>Strategic Investments and Principal Finance, the respective <span class=\"_ _7\"></span>Valuation Forums and Investment Committee meetings are held on <span class=\"_ _7\"></span>a quarterly basis to review investments and <span class=\"_ _7\"></span>valuations.<span class=\"_ _3eb\"> </span>The Group evaluates the significance of <span class=\"_ _7\"></span>financial instruments and material accuracy of the <span class=\"_ _7\"></span>valuations incorporated in the financial statements as they involve a <span class=\"_ _7\"></span>high degree of judgement and estimation uncertainty <span class=\"_ _7\"></span>in determining the carrying values of financial assets and liabilities <span class=\"_ _7\"></span>at the balance sheet date.<span class=\"_ _3eb\"> </span>Significant accounting estimates<span class=\"_ _3eb\"> </span>The significant accounting estimates include: <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">Fair value of financial instruments is determined using valuation techniques and estimates <span class=\"_ _7\"></span>which, to the extent possible, </span>use market observable inputs, but in <span class=\"_ _7\"></span>some cases use non-market observable inputs. Changes <span class=\"_ _7\"></span>in the observability of<span class=\"_ gs36\"> </span>significant valuation inputs can materially affect <span class=\"_ _7\"></span>the fair values of financial instruments <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">When establishing the exit price of a financial instrument using a valuation <span class=\"_ _7\"></span>technique, the Group estimates valuation </span>adjustments in determining the fair value.<span class=\"_ _3eb\"> </span>Significant accounting judgements<span class=\"_ _3eb\"> </span>The significant accounting judgements include: <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">In determining the valuation of financial instruments, the Group makes judgements on <span class=\"_ _7\"></span>the amounts reserved to cater for </span>model and valuation risks, which cover <span class=\"_ _7\"></span>both Level 2 and Level 3 assets, <span class=\"_ _7\"></span>and the significant valuation judgements in <span class=\"_ _7\"></span>respect of Level 3 instruments  <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ls2\">Where the estimated measurement of fair value is more judgemental in respect of Level 3 assets, these are valued based<span class=\"_ _11\"></span> </span>on models that use a significant <span class=\"_ _7\"></span>degree of non-market-based unobservable inputs.<span class=\"_ _3eb\"> </span>Valuation techniques<span class=\"_ _3eb\"> </span>Refer to the fair value hierarchy <span class=\"_ _7\"></span>explanation \u2013 Level 1, 2 and 3 <span class=\"_ _7\"></span>(page 364) <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff7 ls2 ws1\">Financial instruments held at fair value</span> <span class=\"_ _1e\"></span><span class=\"ff4\">\u2013<span class=\"_ _a\"> </span><span class=\"ff7 ls2 ws1\">Debt securities \u2013 asset-backed securities:<span class=\"ff4\"> Asset-backed securities are valued based on <span class=\"_ _7\"></span>external prices obtained from </span></span></span>consensus pricing providers, broker quotes, recent <span class=\"_ _7\"></span>trades, arrangers\u2019 quotes, etc. Where an observable <span class=\"_ _7\"></span>price is available for a given security, it is <span class=\"_ _7\"></span>classified as Level 2. In instances where <span class=\"_ _7\"></span>third-party prices are not available or <span class=\"_ _7\"></span>reliable, the security is classified as Level 3. The <span class=\"_ _7\"></span>fair value of Level 3 securities is <span class=\"_ _7\"></span>estimated using market standard cash flow <span class=\"_ _7\"></span>models with input parameter assumptions which include prepayment speeds, default rates, discount margins derived from comparable securities with similar vintage, collateral type, <span class=\"_ _7\"></span>and credit ratings. <span class=\"_ _1e\"></span><span class=\"ff4\">\u2013<span class=\"_ _a\"> </span><span class=\"ff7 ls2 ws1\">Debt securities in issue:<span class=\"ff4\"> These debt securities relate to structured notes <span class=\"_ _7\"></span>issued by the Group. Where independent <span class=\"_ _7\"></span>market </span></span></span>data is available through pricing vendors <span class=\"_ _7\"></span>and broker sources these positions are classified <span class=\"_ _7\"></span>as Level 2. Where such liquid external prices are not available, valuations <span class=\"_ _7\"></span>of these debt securities are implied using <span class=\"_ _7\"></span>input parameters such as bond spreads and credit spreads and are <span class=\"_ _7\"></span>classified as Level 3. These input parameters <span class=\"_ _7\"></span>are determined with reference to the same issuer (if available) or proxies <span class=\"_ _7\"></span>from comparable issuers or assets. <span class=\"_ _1e\"></span><span class=\"ff4\">\u2013<span class=\"_ _a\"> </span><span class=\"ff7 ls2 ws1\">Derivatives:<span class=\"ff4\"> Derivative products are classified as Level 2 if the valuation <span class=\"_ _7\"></span>of the product is based upon <span class=\"_ _7\"></span>input parameters </span></span></span>which are observable from independent and <span class=\"_ _7\"></span>reliable market data sources. Derivative products are <span class=\"_ _7\"></span>classified as Level 3 if<span class=\"_ gs36\"> </span>there are significant valuation input parameters <span class=\"_ _7\"></span>which are unobservable in the market, such <span class=\"_ _7\"></span>as products where the performance is linked to more than <span class=\"_ _7\"></span>one underlying variable. Examples are commodity crack <span class=\"_ _7\"></span>swaption, equity options based on the performance of two <span class=\"_ _7\"></span>or more underlying indices and interest rate <span class=\"_ _7\"></span>products with quanto payouts. In most cases these unobservable correlation parameters cannot <span class=\"_ _7\"></span>be implied from the market, and methods <span class=\"_ _7\"></span>such as historical analysis and comparison with historical levels <span class=\"_ _7\"></span>or other benchmark data must be employed. <span class=\"_ _1e\"></span><span class=\"ff4\">\u2013<span class=\"_ _a\"> </span><span class=\"ff7 ls2 ws1\">Equity shares \u2013 unlisted equity investments:<span class=\"ff1 ws0\"> Valuation of unlisted equity instruments is determined using commonly </span></span></span>accepted valuation techniques considered most appropriate to the investment, which may include the market approach, income approach or asset-based approach, depending <span class=\"_ _7\"></span>on the underlying fact patterns and circumstances. <span class=\"_ _7\"></span>All unlisted equity instruments are classified as Level <span class=\"_ _7\"></span>3, except for those where observable inputs <span class=\"_ _7\"></span>are available (e.g. over-the-counter prices), as the valuation techniques applied <span class=\"_ _7\"></span>generally involve unobservable inputs that requirement significant <span class=\"_ _7\"></span>judgment, which include valuation multiples, discount rates, <span class=\"_ _7\"></span>forecasted cash flows, etc. <span class=\"_ _1e\"></span><span class=\"ff4\">\u2013<span class=\"_ _a\"> </span><span class=\"ff7 ls2 ws1\">Loans and advances:<span class=\"ff4\"> These primarily include loans in the FM Bond <span class=\"_ _7\"></span>and Loan Syndication business which were <span class=\"_ _7\"></span>not </span></span></span>fully<span class=\"_ gs36\"> </span>syndicated as at the balance sheet <span class=\"_ _7\"></span>date and other financing transactions within Financial <span class=\"_ _7\"></span>Markets, and loans and advances including reverse repurchase agreements that <span class=\"_ _7\"></span>do not have SPPI cashflows or are <span class=\"_ _7\"></span>managed on a fair value basis. Where available, its loan valuation is <span class=\"_ _7\"></span>based on observable clean sales transactions prices <span class=\"_ _7\"></span>or market observable spreads. If<span class=\"_ gs36\"> </span>observable credit spreads are not available, <span class=\"_ _7\"></span>proxy spreads based on comparables with similar <span class=\"_ _7\"></span>credit grade, sector and region, are used. Where observable transaction <span class=\"_ _7\"></span>prices, credit spreads and market standard proxy <span class=\"_ _7\"></span>methods are available, these loans are classified as Level <span class=\"_ _7\"></span>2. Where there are no recent transactions <span class=\"_ _7\"></span>or comparables, these loans are classified as<span class=\"_ gs36\"> </span>Level 3. <span class=\"_ _1e\"></span><span class=\"ff4\">\u2013<span class=\"_ _a\"> </span><span class=\"ff7 ls2 ws1\">Other debt securities:<span class=\"ff4\"> These debt securities include convertible bonds, corporate bonds, <span class=\"_ _7\"></span>credit and structured notes. </span></span></span>Where quoted prices are available through <span class=\"_ _7\"></span>pricing vendors, brokers or observable trading activities <span class=\"_ _7\"></span>from liquid markets, these are classified as Level 2 <span class=\"_ _7\"></span>and valued using such quotes. Where there <span class=\"_ _7\"></span>are significant valuation inputs which are unobservable in the market, due to <span class=\"_ _7\"></span>illiquid trading or the complexity of the <span class=\"_ _7\"></span>product, these are classified as Level <span class=\"_ _7\"></span>3. The<span class=\"_ gs36\"> </span>valuations of these debt securities are <span class=\"_ _7\"></span>implied using input parameters such as bond <span class=\"_ _7\"></span>spreads and credit spreads. These input parameters are determined with <span class=\"_ _7\"></span>reference to the same issuer (if available) <span class=\"_ _7\"></span>or proxied from comparable issuers or assets. <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff7 ls2 ws1\">Financial instruments held at amortised cost<span class=\"_ _3eb\"> </span></span>The following sets out the Group\u2019s <span class=\"_ _7\"></span>basis for establishing fair values of amortised <span class=\"_ _7\"></span>cost financial instruments and their classification between Levels 1, 2 and <span class=\"_ _7\"></span>3. As certain categories of financial instruments <span class=\"_ _7\"></span>are not actively traded, there is<span class=\"_ gs36\"> </span>a<span class=\"_ gs36\"> </span>significant level of management judgement involved <span class=\"_ _7\"></span>in calculating the fair values: <span class=\"_ _1e\"></span><span class=\"ff4\">\u2013<span class=\"_ _a\"> </span><span class=\"ff7 ls2 ws1\">Cash and balances at central banks:<span class=\"ff1 ws0\"> The fair value of cash and balances at central banks is their carrying amounts</span></span></span> <span class=\"_ _1e\"></span><span class=\"ff4\">\u2013<span class=\"_ _a\"> </span><span class=\"ff7 ls2 ws1\">Debt securities in issue, subordinated liabilities and other borrowed funds:<span class=\"ff1 ws0\"> The aggregate fair values are calculated </span></span></span>based on quoted market prices. For <span class=\"_ _7\"></span>those notes where quoted market prices are <span class=\"_ _7\"></span>not available, a discounted cash flow model is used based on a <span class=\"_ _7\"></span>current market related yield curve appropriate for <span class=\"_ _7\"></span>the remaining term to maturity <span class=\"_ _1e\"></span><span class=\"ff4\">\u2013<span class=\"_ _a\"> </span><span class=\"ff7 ls2 ws1\">Deposits and borrowings:<span class=\"ff1 ws0\"> The estimated fair value of deposits with no stated maturity is the amount repayable on </span></span></span>demand. The estimated fair value of <span class=\"_ _7\"></span>fixed interest-bearing deposits and other borrowings without <span class=\"_ _7\"></span>quoted market prices is based on discounted <span class=\"_ _7\"></span>cash flows using <span class=\"_ _1b\"></span>the prevailing market rates for <span class=\"_ _7\"></span>debts with a <span class=\"_ _7\"></span>similar Credit <span class=\"_ _7\"></span>Risk and remaining <span class=\"_ _7\"></span>maturity<span class=\"_ _3eb\"> </span>\u2013<span class=\"_ _a\"> </span><span class=\"ff7 ls2 ws1\">Investment securities:<span class=\"ff4\"> For investment securities that do not have directly observable <span class=\"_ _7\"></span>market values, the Group utilises </span></span>a<span class=\"_ gs36\"> </span>number of valuation techniques to determine <span class=\"_ _7\"></span>fair value. Where available, securities are valued <span class=\"_ _7\"></span>using input proxies from the same or closely related underlying <span class=\"_ _7\"></span>(for example, bond spreads from the same <span class=\"_ _7\"></span>or closely related issuer) or input <span class=\"_ _7\"></span>proxies from a different underlying (for example, <span class=\"_ _7\"></span>a similar bond but using spreads for <span class=\"_ _7\"></span>a particular sector and rating). Certain instruments cannot be proxies as set <span class=\"_ _7\"></span>out above, and in such cases the <span class=\"_ _7\"></span>positions are valued using non-market observable inputs. This includes those instruments held <span class=\"_ _7\"></span>at amortised cost and predominantly relates to <span class=\"_ _7\"></span>asset-backed securities. The<span class=\"_ gs36\"> </span>fair value for such instruments is <span class=\"_ _7\"></span>usually proxies from internal assessments of the <span class=\"_ _7\"></span>underlying cash flows <span class=\"_ _1e\"></span><span class=\"ff4\">\u2013<span class=\"_ _a\"> </span><span class=\"ff7 ls2 ws1\">Loans and advances to banks and customers:<span class=\"ff1 ws0\"> For loans and advances to banks, the fair value of floating rate placements </span></span></span>and overnight deposits is their carrying <span class=\"_ _7\"></span>amounts. The estimated fair value of fixed <span class=\"_ _7\"></span>interest-bearing deposits is based on discounted cash flows using the prevailing <span class=\"_ _7\"></span>money market rates for debts with a <span class=\"_ _7\"></span>similar Credit Risk and remaining maturity. The Group\u2019s loans and advances to <span class=\"_ _7\"></span>customers portfolio is well diversified by geography <span class=\"_ _7\"></span>and industry. Approximately a<span class=\"_ gs36\"> </span>quarter of the portfolio re-prices within <span class=\"_ _7\"></span>one month, and approximately half re-prices within <span class=\"_ _7\"></span>12 months. Loans and advances are presented <span class=\"_ _7\"></span>net of provisions for <span class=\"_ _1b\"></span>impairment. The fair value of loans <span class=\"_ _7\"></span>and advances to <span class=\"_ _7\"></span>customers with a residual maturity of less than one year <span class=\"_ _7\"></span>generally approximates the carrying value. The estimated <span class=\"_ _7\"></span>fair value of loans and advances with a residual maturity of more than one year represents the discounted amount of future cash flows expected to be received, including assumptions relating to prepayment <span class=\"_ _7\"></span>rates and Credit Risk. Expected cash flows <span class=\"_ _7\"></span>are discounted at current market rates to determine fair <span class=\"_ _7\"></span>value. The Group has a wide range <span class=\"_ _7\"></span>of individual instruments within its loans <span class=\"_ _7\"></span>and advances portfolio and as a result <span class=\"_ _7\"></span>providing quantification of the key assumptions used <span class=\"_ _7\"></span>to value such instruments is<span class=\"_ gs36\"> </span>impractical <span class=\"_ _1e\"></span><span class=\"ff4\">\u2013<span class=\"_ _a\"> </span><span class=\"ff7 ls2 ws1\">Other assets:<span class=\"ff4\"> Other assets comprise primarily cash collateral and trades pending <span class=\"_ _7\"></span>settlement. The carrying amount </span></span></span>of<span class=\"_ gs36\"> </span>these financial instruments is considered to <span class=\"_ _7\"></span>be a reasonable approximation of fair value <span class=\"_ _7\"></span>as they are either short-term in<span class=\"_ gs36\"> </span>nature or re-price to current market <span class=\"_ _7\"></span>rates frequently.<span class=\"_ _3eb\"> </span>Fair value adjustments<span class=\"_ _3eb\"> </span>When establishing the exit price of <span class=\"_ _7\"></span>a financial instrument using a valuation technique, <span class=\"_ _7\"></span>the Group considers adjustments to the modelled price which market participants would <span class=\"_ _7\"></span>make when pricing that instrument. The main <span class=\"_ _7\"></span>valuation adjustments (described further below) in determining fair <span class=\"_ _7\"></span>value for financial assets and financial liabilities <span class=\"_ _7\"></span>are as follows:<span class=\"_ _3eb\"> </span><table class=\"s w624 h24a\" id=\"_3ff48fea-e5e8-4c56-aff8-6a5cf9b3b4f6\"><tr><td></td><td></td><td class=\"t m0 xbed h38 y6789 ff5 fs17 fc0 sc0 ls21 ws20\">Movement </td><td></td><td></td><td class=\"t m0 xbee h39 y6789 ff1 fs17 fc3 sc0 ls21 ws20\">Movement </td><td></td></tr><tr><td></td><td class=\"t m0 x2f7 h38 y678a ff5 fs17 fc0 sc0 ls21 ws20\">01.01.25<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x2d1 h38 y678a ff5 fs17 fc0 sc0 ls21 ws20\">during<span class=\"_ gs40f\"> </span>the year<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x2f8 h38 y678a ff5 fs17 fc0 sc0 ls21 ws20\">31.12.25<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x2fa h2c y678a ff4 fs17 fc3 sc0 ls21 ws20\">01.01.24<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xbef h2c y678a ff4 fs17 fc3 sc0 ls21 ws20\">during<span class=\"_ gs490\"> </span>the year<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xbf0 h2c y678a ff4 fs17 fc3 sc0 ls21 ws20\">31.12.24<span class=\"_ _3eb\"> </span></td></tr><tr><td></td><td class=\"t m0 x2f7 h38 y678b ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x2c9 h38 y678b ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x4be h38 y678b ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x2fa h2c y678b ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x233 h2c y678b ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x234 h2c y678b ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c n x1ee y655c w625 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Bid-offer valuation adjustment<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbf1 y655c w626 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">117<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbf2 y655c w4b0 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">6<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbf3 y655c w627 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">123<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbf4 y655c w4e0 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">115<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbf5 y655c w4da h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbf6 y655c w628 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">117<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y655d w629 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Credit valuation adjustment<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbf7 y655d w62a h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">134<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbf8 y655d w62b h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(20)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbf9 y655d w62c h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">114<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbfa y655d w62d h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">119<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbfb y655d w62e h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">15<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbfc y655d w62f h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">134<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6573 w630 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Debit valuation adjustment<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbfd y6573 w631 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(105)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbfe y6573 w632 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">30<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbff y6573 w484 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(75)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc00 y6573 w633 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(129)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc01 y6573 w4cd h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">24<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc02 y6573 w2aa h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(105)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6574 w634 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Model valuation adjustment<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc03 y6574 w635 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">5<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc04 y6574 w265 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(2)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc05 y6574 w45d h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">3<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc06 y6574 w3c h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls0 ws0\">4<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc07 y6574 w41a h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc08 y6574 w40 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls0 ws0\">5<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6560 w636 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Funding valuation adjustment<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc09 y6560 w4bf h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">41<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc0a y6560 w269 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(9)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc0b y6560 w1e6 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">32<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc0c y6560 w637 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">33<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc0d y6560 w638 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">8<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc0e y6560 w485 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">41<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6575 w639 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Other fair value adjustments<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc0f y6575 w66 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">26<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc10 y6575 wac h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">22<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x92c y6575 w1f6 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">48<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc11 y6575 w92 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">25<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc12 y6575 w41a h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc13 y6575 w73 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">26<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y658d w49a h203\"><div class=\"t m0 x1ed h3d y655f ff5 fs5 fc3 sc0 ls5 ws5\">Total<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc14 y658d w63a h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">218<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc15 y658d w63b h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">27<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc16 y658d w63c h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">245<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc17 y658d w63d h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">167<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc18 y658d w4be h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">51<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc19 y658d w3ef h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">218<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x235 h3b y678c ff1 fs5 fc3 sc0 ls5 ws0\">Income deferrals<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y6566 w63e h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Day 1 and other deferrals<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc1a y6566 w63f h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">138<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc1b y6566 w4b0 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">9<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc1c y6566 w1a3 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">147<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc1d y6566 w1e9 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">109<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc1e y6566 w73 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">29<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc1f y6566 w288 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">138<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6567 w49a h203\"><div class=\"t m0 x1ed h3d y655f ff5 fs5 fc3 sc0 ls5 ws5\">Total<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc14 y6567 w63f h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">138<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc20 y6567 w4b0 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">9<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc21 y6567 w1a3 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">147<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc22 y6567 w1e9 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">109<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc23 y6567 w73 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">29<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc24 y6567 w288 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">138<span class=\"_ _3eb\"> </span></div></td></tr></table>Note: Bracket represents an asset and credit to <span class=\"_ _7\"></span>the income statement. <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff7 ls2 ws1\">Bid-offer valuation adjustment:</span><span class=\"ls2\"> Generally, market parameters are marked on a mid-market basis in the revaluation systems, </span>and a bid-offer valuation adjustment is <span class=\"_ _7\"></span>required to quantify the expected cost of <span class=\"_ _7\"></span>neutralising the business\u2019 positions through dealing away in the market, thereby <span class=\"_ _7\"></span>bringing long positions to bid and short <span class=\"_ _7\"></span>positions to offer. The methodology to <span class=\"_ _7\"></span>calculate the bid-offer adjustment for a derivative <span class=\"_ _7\"></span>portfolio involves netting between long and short <span class=\"_ _7\"></span>positions and the grouping of risk<span class=\"_ gs36\"> </span>by strike and tenor based on <span class=\"_ _7\"></span>the hedging strategy where long positions are <span class=\"_ _7\"></span>marked to bid and short positions <span class=\"_ _7\"></span>marked to<span class=\"_ gs36\"> </span>offer in the systems. <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff7 ls2 ws1\">Credit valuation adjustment (CVA):<span class=\"ff4\"> The Group accounts for CVA against the fair <span class=\"_ _7\"></span>value of derivative products. CVA is <span class=\"_ _7\"></span>an </span></span>adjustment to the fair value of <span class=\"_ _7\"></span>the transactions to reflect the possibility that <span class=\"_ _7\"></span>our counterparties may default and we <span class=\"_ _7\"></span>may not<span class=\"_ gs36\"> </span>receive the full market value of <span class=\"_ _7\"></span>the outstanding transactions. It represents an estimate <span class=\"_ _7\"></span>of the adjustment a market participant would include when deriving a <span class=\"_ _7\"></span>purchase price to acquire our exposures. CVA <span class=\"_ _7\"></span>is calculated for each subsidiary, and within each entity for each <span class=\"_ _7\"></span>counterparty to which the entity has exposure <span class=\"_ _7\"></span>and takes account of any collateral <span class=\"_ _7\"></span>we may hold. The Group calculates the CVA <span class=\"_ _7\"></span>by using estimates of future positive exposure, <span class=\"_ _7\"></span>market-implied probability of default (PD) and recovery rates. Where market-implied data <span class=\"_ _7\"></span>is not readily available, we use market-based <span class=\"_ _7\"></span>proxies to estimate the PD. Wrong-way risk occurs when the exposure to a counterparty is adversely correlated with the credit quality of that counterparty, and the Group has implemented a <span class=\"_ _7\"></span>model to capture this impact for key <span class=\"_ _7\"></span>wrong-way exposures. The Group also captures <span class=\"_ _7\"></span>the uncertainties associated with wrong-way risk in <span class=\"_ _7\"></span>the Group\u2019s Prudential Valuation Adjustments framework.<span class=\"_ _3eb\"> </span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff7 ls2 ws1\">Debit valuation adjustment (DVA): <span class=\"ff4\">The Group calculates DVA adjustments on its derivative <span class=\"_ _7\"></span>liabilities to reflect changes </span></span>in<span class=\"_ gs36\"> </span>its own credit standing. The Group\u2019s <span class=\"_ _7\"></span>DVA adjustments will increase if its credit <span class=\"_ _7\"></span>standing worsens and, conversely, decrease if its credit standing improves. For <span class=\"_ _7\"></span>derivative liabilities, a DVA adjustment is determined <span class=\"_ _7\"></span>by applying the Group\u2019s probability of default to the Group\u2019s negative <span class=\"_ _7\"></span>expected exposure against the counterparty. The Group\u2019s <span class=\"_ _7\"></span>probability of default and loss expected in the event of default is derived based on bond and CDS spreads associated with the Group\u2019s issuances and market standard recovery levels. The expected <span class=\"_ _7\"></span>exposure is modelled based on the simulation <span class=\"_ _7\"></span>of the underlying risk factors over the expected life of the <span class=\"_ _7\"></span>deal. This simulation methodology incorporates the collateral <span class=\"_ _7\"></span>posted by the Group and the effects of master netting agreements. <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff7 ls2 ws1\">Model valuation adjustment:<span class=\"ff4\"> Valuation models may have pricing deficiencies or limitations that <span class=\"_ _7\"></span>require a valuation </span></span>adjustment. These pricing deficiencies or limitations <span class=\"_ _7\"></span>arise due to the choice, implementation and <span class=\"_ _7\"></span>calibration of the pricing<span class=\"_ gs36\"> </span>model. <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff7 ls2 ws1\">Funding valuation adjustment (FVA): <span class=\"ff4\">The Group makes FVA adjustments against derivative products, <span class=\"_ _7\"></span>including embedded </span></span>derivatives. FVA reflects an estimate of <span class=\"_ _7\"></span>the adjustment to its fair value that <span class=\"_ _7\"></span>a market participant would make to <span class=\"_ _7\"></span>incorporate funding costs or benefits that could <span class=\"_ _7\"></span>arise in relation to the exposure. FVA <span class=\"_ _7\"></span>is calculated by determining the net <span class=\"_ _7\"></span>expected exposure at a counterparty level and <span class=\"_ _7\"></span>then applying a funding rate to those <span class=\"_ _7\"></span>exposures that reflect the market cost <span class=\"_ _7\"></span>of funding. The FVA for uncollateralised (including partially <span class=\"_ _7\"></span>collateralised) derivatives incorporates the estimated present value <span class=\"_ _7\"></span>of the market funding cost or benefit associated <span class=\"_ _7\"></span>with funding these transactions. <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff7 ls2 ws1\">Other fair value adjustments: </span><span class=\"ls2\">For certain products, the prices cannot be replicated by usual models or the choice of model </span>inputs can be more subjective. In <span class=\"_ _7\"></span>these circumstances, an adjustment may be necessary <span class=\"_ _7\"></span>to reflect the prices available in <span class=\"_ _7\"></span>the market. In <span class=\"_ _7\"></span>general, where there <span class=\"_ _1b\"></span>is a high degree <span class=\"_ _7\"></span>of uncertainty <span class=\"_ _7\"></span>in the <span class=\"_ _7\"></span>valuation (e.g. <span class=\"_ _7\"></span>due to <span class=\"_ _7\"></span>the nature <span class=\"_ _7\"></span>of the <span class=\"_ _7\"></span>trade, model inputs, model selection etc.), an <span class=\"_ _7\"></span>adjustment can be <span class=\"_ _7\"></span>taken to adopt a <span class=\"_ _7\"></span>more conservative value <span class=\"_ _7\"></span>to better reflect the <span class=\"_ _7\"></span>expected exit price. <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff7 ls2 ws1\">Day one and other deferrals: <span class=\"ff4\">In certain circumstances the initial fair value <span class=\"_ _7\"></span>is based on a valuation technique <span class=\"_ _7\"></span>which differs </span></span>to<span class=\"_ gs36\"> </span>the transaction price at the time <span class=\"_ _7\"></span>of initial recognition. However, these gains can <span class=\"_ _7\"></span>only be recognised when the valuation technique used is based primarily on <span class=\"_ _7\"></span>observable market data. In those cases where <span class=\"_ _7\"></span>the initially recognised fair value is <span class=\"_ _7\"></span>based on a valuation model that uses inputs which are not observable in the market, the difference between the transaction price and the valuation model is not <span class=\"_ _7\"></span>recognised immediately in the income statement. The <span class=\"_ _7\"></span>difference is amortised to the income statement until the inputs become observable, <span class=\"_ _7\"></span>or the transaction matures or is terminated. <span class=\"_ _7\"></span>Other deferrals primarily represent adjustments taken to reflect the <span class=\"_ _7\"></span>specific terms and conditions of certain derivative <span class=\"_ _7\"></span>contracts which affect the termination value at the measurement date.<span class=\"_ _3eb\"> </span>In addition, the Group calculates own <span class=\"_ _7\"></span>credit adjustment (OCA) on its issued debt <span class=\"_ _7\"></span>designated at fair value, including structured notes, in order to reflect changes <span class=\"_ _7\"></span>in its own credit standing. Issued debt <span class=\"_ _7\"></span>is discounted utilising the spread at <span class=\"_ _7\"></span>which similar instruments would be issued or bought back at the measurement date as this reflects the value from the perspective of a market participant who holds the identical item <span class=\"_ _7\"></span>as an asset. OCA measures the difference <span class=\"_ _7\"></span>between the fair value of issued <span class=\"_ _7\"></span>debt as of reporting date and theoretical fair values <span class=\"_ _7\"></span>of issued debt adjusted up or down <span class=\"_ _7\"></span>for changes in own credit spreads <span class=\"_ _7\"></span>from inception date to the measurement date. Under <span class=\"_ _7\"></span>IFRS 9 the change in the OCA <span class=\"_ _7\"></span>component is reported under other comprehensive <span class=\"_ _7\"></span>income. The Group\u2019s OCA reserve will increase <span class=\"_ _7\"></span>if its credit standing worsens in comparison <span class=\"_ _7\"></span>to the inception of the trade <span class=\"_ _7\"></span>and, conversely, decrease if its credit standing improves. <span class=\"_ _7\"></span>The Group\u2019s OCA reserve will reverse over <span class=\"_ _7\"></span>time as its liabilities mature.<span class=\"_ _3eb\"> </span>Fair value hierarchy <span class=\"_ _7\"></span>\u2013 financial <span class=\"_ _7\"></span>instruments held at <span class=\"_ _7\"></span>fair value<span class=\"_ _3eb\"> </span>The fair values of quoted financial <span class=\"_ _7\"></span>assets and liabilities in active markets are <span class=\"_ _7\"></span>based on current prices. A market <span class=\"_ _7\"></span>is regarded as active if transactions for the asset <span class=\"_ _7\"></span>or liability take place with sufficient frequency <span class=\"_ _7\"></span>and volume to provide pricing information <span class=\"_ _7\"></span>on an ongoing basis. Wherever possible, fair <span class=\"_ _7\"></span>values have been calculated using unadjusted quoted <span class=\"_ _7\"></span>market prices in active markets for identical instruments held by the <span class=\"_ _7\"></span>Group. Where quoted market prices are not <span class=\"_ _7\"></span>available, or are unreliable because of <span class=\"_ _7\"></span>poor liquidity, fair values have been determined <span class=\"_ _7\"></span>using valuation techniques which, to the extent <span class=\"_ _7\"></span>possible, use market observable inputs, but in some cases use <span class=\"_ _7\"></span>unobservable inputs. Valuation techniques used include discounted <span class=\"_ _7\"></span>cash flow analysis and pricing models and, where appropriate, comparison with <span class=\"_ _7\"></span>instruments that have characteristics similar to those <span class=\"_ _7\"></span>of the instruments held by the Group.<span class=\"_ _3eb\"> </span>Assets and liabilities carried at fair <span class=\"_ _7\"></span>value or for which fair values are <span class=\"_ _7\"></span>disclosed have been classified into three <span class=\"_ _7\"></span>levels according to the observability of the significant inputs <span class=\"_ _7\"></span>used to determine the fair values. Changes <span class=\"_ _7\"></span>in the observability of significant valuation inputs during the reporting period may <span class=\"_ _7\"></span>result in a transfer of assets and <span class=\"_ _7\"></span>liabilities within the fair value hierarchy. <span class=\"_ _7\"></span>The Group recognises transfers between levels of the <span class=\"_ _7\"></span>fair value hierarchy when there is a <span class=\"_ _7\"></span>significant change in either its principal <span class=\"_ _7\"></span>market or<span class=\"_ gs36\"> </span>the level of observability of the <span class=\"_ _7\"></span>inputs to the valuation techniques as at <span class=\"_ _7\"></span>the end of the reporting period. <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff7 ls2 ws1\">Level 1:<span class=\"ff4\"> Fair value measurements are those derived from unadjusted quoted prices <span class=\"_ _7\"></span>in active markets for identical assets </span></span>or<span class=\"_ gs36\"> </span>liabilities. <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff7 ls2 ws1\">Level 2:<span class=\"ff4\"> Fair value measurements are those with quoted prices for similar <span class=\"_ _7\"></span>instruments in active markets or quoted <span class=\"_ _7\"></span>prices </span></span>for<span class=\"_ gs36\"> </span>identical or similar instruments in inactive <span class=\"_ _7\"></span>markets and financial instruments valued using models <span class=\"_ _7\"></span>where all significant inputs are observable. <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff7 ls2 ws1\">Level 3:<span class=\"ff4\"> Fair value measurements are those where inputs which could have <span class=\"_ _7\"></span>a significant effect on the instrument\u2019s <span class=\"_ _7\"></span>valuation </span></span>are not based on observable market <span class=\"_ _7\"></span>data.<span class=\"_ _3eb\"> </span>The following tables show the classification <span class=\"_ _7\"></span>of financial instruments held at fair value <span class=\"_ _7\"></span>into the valuation hierarchy:<span class=\"_ _3eb\"> </span><table class=\"s w640 h24b\" id=\"_c303f662-fbf8-4d7d-bf5d-08054c109f58\"><tr><td></td><td></td><td class=\"c n xc25 y678d w281 h21e\"><div class=\"t m0 x1ed h14f y6611 ff5 fs64 fc0 sc0 ls50 ws5b\">2025<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td></td><td class=\"c n xc26 y678d w641 h209\"><div class=\"t m0 x1ed h14f y6611 ff1 fs64 fc3 sc0 ls50 ws5b\">2024<span class=\"_ _3eb\"> </span></div></td><td></td><td></td></tr><tr><td></td><td class=\"t m0 xc27 h14f y678e ff5 fs64 fc0 sc0 ls50 ws5b\">Level 1<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x6bc h14f y678e ff5 fs64 fc0 sc0 ls50 ws5b\">Level 2<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xc28 h14f y678e ff5 fs64 fc0 sc0 ls50 ws5b\">Level 3<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x668 h14f y678e ff5 fs64 fc0 sc0 ls50 ws5b\">Total<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xc29 h151 y678e ff1 fs64 fc3 sc0 ls50 ws0\">Level 1<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xc2a h151 y678e ff1 fs64 fc3 sc0 ls50 ws0\">Level 2<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xc2b h151 y678e ff1 fs64 fc3 sc0 ls50 ws0\">Level 3<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x2f4 h151 y678e ff1 fs64 fc3 sc0 ls50 ws5b\">Total<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"t m0 x235 h151 y678f ff1 fs64 fc3 sc0 ls50 ws5b\">Assets<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x4bc h14f y678f ff5 fs64 fc0 sc0 ls50 ws5b\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xc2c h14f y678f ff5 fs64 fc0 sc0 ls50 ws5b\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xc2d h14f y678f ff5 fs64 fc0 sc0 ls50 ws5b\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xc2e h14f y678f ff5 fs64 fc0 sc0 ls50 ws5b\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xadd h153 y678f ff4 fs64 fc3 sc0 ls50 ws5b\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x870 h153 y678f ff4 fs64 fc3 sc0 ls50 ws5b\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xc2f h153 y678f ff4 fs64 fc3 sc0 ls50 ws5b\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x2fd h153 y678f ff4 fs64 fc3 sc0 ls50 ws5b\">$million<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"t m0 x235 h13 y6790 ff5 fs7 fc3 sc0 ls7 ws7\">Financial instruments held at fair value through profit <span class=\"_ _7\"></span>or loss<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x236 y6792 w642 h20a\"><div class=\"t m0 x1ed hb2 y6791 ff1 fs7 fc3 sc0 ls7 ws0\">Loans and advances to banks<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc30 y6792 w14d h20b\"><div class=\"t m0 x1ed hb2 y6791 ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc31 y6792 w643 h20b\"><div class=\"t m0 x1ed hb2 y6791 ff6 fs7 fc3 sc0 ls7 ws7\">2,685<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc32 y6792 w644 h20b\"><div class=\"t m0 x1ed hb2 y6791 ff6 fs7 fc3 sc0 ls7 ws7\">299<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc33 y6792 w542 h20b\"><div class=\"t m0 x1ed hb2 y6791 ff6 fs7 fc3 sc0 ls7 ws7\">2,984<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc34 y6792 w14d h20b\"><div class=\"t m0 x1ed hb2 y6791 ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc35 y6792 w57a h20a\"><div class=\"t m0 x1ed hb2 y6791 ff1 fs7 fc3 sc0 ls7 ws7\">2,213<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc36 y6792 w14d h20b\"><div class=\"t m0 x1ed hb2 y6791 ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc37 y6792 w57a h20a\"><div class=\"t m0 x1ed hb2 y6791 ff1 fs7 fc3 sc0 ls7 ws7\">2,213<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x236 y6793 w645 h20a\"><div class=\"t m0 x1ed hb2 y6791 ff1 fs7 fc3 sc0 ls7 ws0\">Loans and advances to customers<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc38 y6793 w14d h20b\"><div class=\"t m0 x1ed hb2 y6791 ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc39 y6793 w646 h20b\"><div class=\"t m0 x1ed hb2 y6791 ff6 fs7 fc3 sc0 ls7 ws7\">8,891<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc3a y6793 w647 h20b\"><div class=\"t m0 x1ed hb2 y6791 ff6 fs7 fc3 sc0 ls7 ws7\">3,464<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc3b y6793 w546 h20b\"><div class=\"t m0 x1ed hb2 y6791 ff6 fs7 fc3 sc0 ls7 ws7\">12,355<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc3c y6793 w14d h20b\"><div class=\"t m0 x1ed hb2 y6791 ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc3d y6793 w648 h20b\"><div class=\"t m0 x1ed hb2 y6791 ff4 fs7 fc3 sc0 ls7 ws7\">5,147<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc3e y6793 w649 h20b\"><div class=\"t m0 x1ed hb2 y6791 ff4 fs7 fc3 sc0 ls7 ws7\">1,937<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x6af y6793 w64a h20b\"><div class=\"t m0 x1ed hb2 y6791 ff4 fs7 fc3 sc0 ls7 ws7\">7,084<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x247 hb y6794 ff4 fs7 fc3 sc0 ls7 ws7\">Reverse repurchase agreements and other similar secured </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x236 y6795 w64b h20d\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws7\">lending<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc3f y6795 w14d h20c\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc40 y6795 w64c h20c\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">80,446<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc41 y6795 w64d h20c\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">3,684<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc42 y6795 w549 h20c\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">84,130<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc43 y6795 w145 h20c\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">19<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc44 y6795 w58a h20c\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">82,937<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc45 y6795 w64e h20c\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">3,239<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc46 y6795 w582 h20c\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">86,195<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x236 y6796 w64f h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">Debt securities and other eligible bills<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc47 y6796 w650 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">38,015<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc48 y6796 w651 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">45,365<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc49 y6796 w652 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">3,324<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc4a y6796 w54f h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">86,704<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc4b y6796 w653 h20d\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws7\">32,331<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc4c y6796 w654 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">42,615<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc4d y6796 w655 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">1,593<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc4e y6796 w586 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">76,539<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x247 hb y6797 ff4 fs7 fc3 sc0 ls7 ws7\">Of which:<span class=\"_ _3eb\"> </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 y6798 w656 h20d\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws0\">Issued by central banks &amp; governments<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc4f y6798 w657 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">35,078<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc50 y6798 w2d0 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">21,875<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc51 y6798 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc52 y6798 w658 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">56,953<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc53 y6798 w659 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">30,278<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc54 y6798 w65a h20d\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws7\">13,355<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc55 y6798 w65b h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls0 ws0\">9<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc56 y6798 w65c h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">43,642<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x248 y6799 w65d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">Issued by corporates other than financial institutions</div><div class=\"t m0 xc57 hd1 y659f ff1 fs61 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc58 y679a w65e h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">71<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc59 y679a w65f h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">5,531<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc5a y679a w660 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">232<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc5b y679a w661 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">5,834<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc5c y679a w662 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls0 ws0\">7<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc5d y679a w199 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">4,860<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc5e y679a w14a h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">399<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc5f y679a w58f h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">5,266<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x248 y679b w663 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">Issued by financial institutions</div><div class=\"t m0 xc60 hd1 y659f ff1 fs61 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc61 y679c w664 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">2,866<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc62 y679c w665 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">17,959<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc63 y679c w666 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">3,092<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc64 y679c w667 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">23,917<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc65 y679c w668 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">2,046<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc66 y679c w1b4 h20d\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws7\">24,400<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc67 y679c w114 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">1,185<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc68 y679c w669 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">27,631<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x236 y679d w550 h20d\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws0\">Equity shares<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc69 y679d w66a h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">6,319<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc6a y679d w66b h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">2,455<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc6b y679d w66c h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">310<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc6c y679d w553 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">9,084<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc6d y679d w66d h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">5,287<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc6e y679d w66e h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls0 ws0\">8<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc6f y679d w66f h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">191<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc70 y679d w670 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">5,486<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y679e w556 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">Derivative financial instruments<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc71 y679e w671 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">766<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc72 y679e w672 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">64,926<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc73 y679e w673 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">90<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc74 y679e w55a h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">65,782<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc75 y679e w674 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">386<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc76 y679e w675 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">80,958<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc77 y679e w676 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">128<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc78 y679e w32d h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">81,472<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x247 hb y679f ff4 fs7 fc3 sc0 ls7 ws7\">Of which:<span class=\"_ _3eb\"> </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 y67a0 w677 h20d\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws0\">Foreign exchange<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc79 y67a0 w678 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">132<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc7a y67a0 w679 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">55,776<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc7b y67a0 w67a h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">35<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc7c y67a0 w67b h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">55,943<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc7d y67a0 w67c h20d\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws7\">140<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc7e y67a0 w67d h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">72,870<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc7f y67a0 w67e h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">37<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc80 y67a0 w67f h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">73,047<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x248 y67a1 w680 h20d\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws0\">Interest rate<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc81 y67a1 w681 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">39<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc82 y67a1 w682 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">6,143<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc83 y67a1 w683 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">46<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc84 y67a1 w684 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">6,228<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc85 y67a1 w685 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">27<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc86 y67a1 w686 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">6,296<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc87 y67a1 w687 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">80<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc88 y67a1 w16b h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">6,403<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x248 y67a2 w688 h20d\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws7\">Credit<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc89 y67a2 w14e h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc8a y67a2 w689 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">488<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc8b y67a2 w68a h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">5<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc8c y67a2 w68b h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">493<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc8d y67a2 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc8e y67a2 w68c h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">388<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc8f y67a2 w68d h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls0 ws0\">9<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc90 y67a2 w68e h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">397<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x248 y67a3 w68f h20d\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws0\">Equity and stock index options<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc91 y67a3 w14e h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc92 y67a3 w690 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">332<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc93 y67a3 w182 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">4<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc94 y67a3 w691 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">336<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc95 y67a3 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc96 y67a3 w692 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">349<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc97 y67a3 w693 h20d\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc98 y67a3 w694 h20d\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws7\">351<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x248 y67a4 w695 h20d\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws7\">Commodity<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc99 y67a4 w696 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">595<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc9a y67a4 w697 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">2,187<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc9b y67a4 w14f h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc9c y67a4 w698 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">2,782<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc9d y67a4 w699 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">219<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc9e y67a4 w69a h20d\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws7\">1,055<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc9f y67a4 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xca0 y67a4 w69b h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">1,274<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x235 h13 y67a5 ff5 fs7 fc3 sc0 ls7 ws7\">Investment securities<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x236 y67a6 w64f h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">Debt securities and other eligible bills<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xca1 y67a6 w69c h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">67,058<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xca2 y67a6 w69d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">41,445<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xca3 y67a6 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xca4 y67a6 w564 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">108,503<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xca5 y67a6 w69e h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">50,249<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xca6 y67a6 w69f h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">38,176<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xca7 y67a6 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xca8 y67a6 w596 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">88,425<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x247 hb y67a7 ff4 fs7 fc3 sc0 ls7 ws7\">Of which:<span class=\"_ _3eb\"> </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 y67a8 w656 h212\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws0\">Issued by central banks &amp; governments<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc4f y67a8 w6a0 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">53,830<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xca9 y67a8 w6a1 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">22,336<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcaa y67a8 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcab y67a8 w14b h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">76,166<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcac y67a8 w6a2 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">41,395<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcad y67a8 w6a3 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">16,916<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcae y67a8 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcaf y67a8 w6a4 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">58,311<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x248 y67a9 w65d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">Issued by corporates other than financial institutions</div><div class=\"t m0 xc57 hd1 y659f ff1 fs61 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcb0 y67aa w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcb1 y67aa w6a5 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">438<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcb2 y67aa w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcb3 y67aa w6a6 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">438<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcb4 y67aa w14f h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcb5 y67aa w4ad h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">490<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcb6 y67aa w14f h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcb7 y67aa w4ad h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">490<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x248 y67ab w663 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">Issued by financial institutions</div><div class=\"t m0 xc60 hd1 y659f ff1 fs61 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcb8 y67ac w6a7 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">13,228<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcb9 y67ac w6a8 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">18,671<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcba y67ac w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcbb y67ac w6a9 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">31,899<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcbc y67ac w6aa h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">8,854<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcbd y67ac w6ab h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">20,770<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcbe y67ac w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcbf y67ac w6ac h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">29,624<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x236 y67ad w550 h212\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws0\">Equity shares<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcc0 y67ad w573 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">34<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcc1 y67ad w6ad h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcc2 y67ad w57c h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">1,167<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcc3 y67ad w16e h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">1,203<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcc4 y67ad w685 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">27<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcc5 y67ad w693 h212\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcc6 y67ad w6ae h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">965<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcc7 y67ad w59a h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">994<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y67af w6af h20b\"><div class=\"t m0 x1ed h13 y6716 ff5 fs7 fc3 sc0 ls7 ws7\">Total assets at 31 December</div><div class=\"t m0 xcc8 hd0 y67ae ff5 fs61 fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x6b4 y67b0 w6b0 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">112,192<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcc9 y67b0 w6b1 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">246,215<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcca y67b0 w349 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">12,338<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xccb y67b0 w575 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">370,745<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xccc y67b0 w6b2 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">88,299<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xccd y67b0 w6b3 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">252,056<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcce y67b0 w6b4 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">8,053<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xccf y67b0 w6b5 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">348,408<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x235 h13 y67b1 ff5 fs7 fc3 sc0 ls7 ws7\">Liabilities<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m0 x235 h13 y67b2 ff5 fs7 fc3 sc0 ls7 ws7\">Financial instruments held at fair value through profit <span class=\"_ _7\"></span>or loss<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x236 y67b3 w6b6 h212\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws0\">Deposits by banks<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcd0 y67b3 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcd1 y67b3 w186 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">2,059<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcd2 y67b3 w644 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">269<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcd3 y67b3 w6b7 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">2,328<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcd4 y67b3 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcd5 y67b3 w6b8 h212\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws7\">1,522<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcd6 y67b3 w30f h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">371<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcd7 y67b3 w6b9 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">1,893<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x236 y67b4 w6ba h212\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws0\">Customer accounts<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcd8 y67b4 w14e h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcd9 y67b4 w6bb h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">15,936<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcda y67b4 w6bc h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">3,478<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcdb y67b4 w6bd h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">19,414<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcdc y67b4 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcdd y67b4 w6a h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">19,058<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcde y67b4 w69b h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">2,714<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcdf y67b4 w6be h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">21,772<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x236 y67b5 w6bf h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">Repurchase agreements and other similar secured borrowing<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xce0 y67b5 w14e h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xce1 y67b5 w6c0 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">36,307<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xce2 y67b5 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xce3 y67b5 w6c0 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">36,307<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xce4 y67b5 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xce5 y67b5 w2ab h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">33,539<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xce6 y67b5 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xce7 y67b5 w2ab h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">33,539<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x236 y67b6 w6c1 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">Debt securities in issue<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xce8 y67b6 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xce9 y67b6 w6c2 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">14,925<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcea y67b6 w6c3 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">1,084<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xceb y67b6 w6c4 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">16,009<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc34 y67b6 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcec y67b6 w6c5 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">12,317<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xced y67b6 w6c6 h212\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws7\">1,414<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcee y67b6 w6c7 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">13,731<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x236 y67b7 w6c8 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">Short positions<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcef y67b7 w6c9 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">8,674<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcf0 y67b7 w10f h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">6,789<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcf1 y67b7 w6ca h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">76<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcf2 y67b7 w3ea h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">15,539<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcf3 y67b7 w6cb h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">8,789<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcf4 y67b7 w6cc h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">5,558<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcf5 y67b7 w6cd h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">180<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcf6 y67b7 w6ce h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">14,527<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y67b8 w556 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">Derivative financial instruments<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcf7 y67b8 w6cf h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">380<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcf8 y67b8 w2c4 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">67,598<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcf9 y67b8 w6d0 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">226<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcfa y67b8 w6d1 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">68,204<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcfb y67b8 w6d2 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">419<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcfc y67b8 w6d3 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">81,387<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcfd y67b8 w6d4 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">258<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcfe y67b8 w235 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">82,064<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x247 hb y67b9 ff4 fs7 fc3 sc0 ls7 ws7\">Of which:<span class=\"_ _3eb\"> </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 y67ba w677 h212\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws0\">Foreign exchange<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc79 y67ba w6d5 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">155<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcff y67ba w6d6 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">56,427<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd00 y67ba w18a h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">21<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd01 y67ba w6d7 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">56,603<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd02 y67ba w6d8 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">183<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd03 y67ba w6d9 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">69,684<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd04 y67ba w6da h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls0 ws0\">8<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd05 y67ba w6db h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">69,875<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x248 y67bb w680 h212\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws0\">Interest rate<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc81 y67bb w6dc h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">83<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd06 y67bb w6dd h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">6,464<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd07 y67bb w6de h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">22<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd08 y67bb w661 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">6,569<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd09 y67bb w6df h212\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws7\">14<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd0a y67bb w6e0 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">8,586<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd0b y67bb w6e1 h212\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws7\">23<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd0c y67bb w6e2 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">8,623<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x248 y6747 w688 h212\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws7\">Credit<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc89 y6747 w14e h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd0d y6747 w193 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">1,958<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd0e y6747 w6e3 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">128<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd0f y6747 w598 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">2,086<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd10 y6747 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd11 y6747 w6e4 h212\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws7\">2,131<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd12 y6747 w6e5 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">189<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd13 y6747 w6e6 h212\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws7\">2,320<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x248 y6748 w68f h212\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws0\">Equity and stock index options<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc91 y6748 w14e h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd14 y6748 w18e h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">428<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd15 y6748 w6e7 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">54<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd16 y6748 w6e8 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">482<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc8d y6748 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd17 y6748 w6e9 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">157<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd18 y6748 w67e h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">37<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd19 y6748 w6d2 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">194<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x248 y67bc w695 h212\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws7\">Commodity<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd1a y67bc w6ea h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">142<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd1b y67bc w6eb h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">2,321<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd1c y67bc w6ec h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd1d y67bc w6ed h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">2,464<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd1e y67bc w6ee h212\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws7\">222<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd1f y67bc w6ef h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">829<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd20 y67bc w6f0 h212\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd21 y67bc w6f1 h212\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws7\">1,052<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y674a w6f2 h20b\"><div class=\"t m0 x1ed hb2 y65af ff5 fs7 fc3 sc0 ls7 ws7\">Total liabilities at 31 December<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd22 y674a w2c7 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">9,054<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd23 y674a w6f3 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">143,614<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd24 y674a w6f4 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">5,133<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd25 y674a w366 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">157,801<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd26 y674a w6f5 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">9,208<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd27 y674a w6f6 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">153,381<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd28 y674a w4d9 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">4,937<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd29 y674a w6f7 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">167,526<span class=\"_ _3eb\"> </span></div></td></tr></table>1 <span class=\"_ _b\"> </span><span class=\"ff4\">Includes covered bonds of $3,045 million (2024: $3,727 million), securities issued by Multilateral <span class=\"_ _7\"></span>Development Banks/International Organisations of $16,039 million </span>(2024: $10,679 million), and State-owned agencies and development <span class=\"_ _7\"></span>banks of $27,449 million(2024: $16,759 million).<span class=\"_ _3eb\"> </span>2 <span class=\"_ _f\"> </span><span class=\"ff4\">The table above does not include held for sale assets of nil <span class=\"_ _7\"></span>million (2024: $5 million) .These are reported in <span class=\"_ _7\"></span>Note 21 together with their fair value hierarchy.<span class=\"_ _3eb\"> </span></span>The fair value of financial assets <span class=\"_ _7\"></span>and financial liabilities classified as Level 2 <span class=\"_ _7\"></span>in the fair value hierarchy that <span class=\"_ _7\"></span>are subject to<span class=\"_ gs36\"> </span>complex modelling techniques is $327 million <span class=\"_ _7\"></span>(2024: $739 million) and $314 million (2024: <span class=\"_ _7\"></span>$320 million) respectively.<span class=\"_ _3eb\"> </span>There were no significant changes to <span class=\"_ _7\"></span>valuation or levelling approaches in 2025.<span class=\"_ _3eb\"> </span>There were no significant transfers of <span class=\"_ _7\"></span>financial assets and liabilities measured at fair <span class=\"_ _7\"></span>value between Level 1 and Level <span class=\"_ _7\"></span>2 during<span class=\"_ gs36\"> </span>the year.<span class=\"_ _3eb\"> </span>Fair value hierarchy <span class=\"_ _7\"></span>\u2013 financial <span class=\"_ _7\"></span>instruments measured at <span class=\"_ _7\"></span>amortised cost<span class=\"_ _3eb\"> </span>The following table shows the carrying <span class=\"_ _7\"></span>amounts and incorporates the Group\u2019s estimate of <span class=\"_ _7\"></span>fair values of those financial assets and liabilities not presented on the <span class=\"_ _7\"></span>Group\u2019s balance sheet at fair value. These <span class=\"_ _7\"></span>fair values may be different from <span class=\"_ _7\"></span>the actual amount that will be received or <span class=\"_ _7\"></span>paid on the settlement or maturity of <span class=\"_ _7\"></span>the financial instrument. For certain instruments, <span class=\"_ _7\"></span>the fair value may be determined using assumptions <span class=\"_ _7\"></span>for which no observable prices are available.<span class=\"_ _3eb\"> </span><table class=\"s w6f8 h24c\" id=\"_a19260c6-28f9-4243-a762-63ab8d6ff0c6\"><tr><td></td><td></td><td></td><td class=\"c n x527 y67bd w281 h21e\"><div class=\"t m0 x1ed h14f y6611 ff5 fs64 fc0 sc0 ls50 ws5b\">2025<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td></td><td></td><td class=\"c n xd2a y67bd w6f9 h209\"><div class=\"t m0 x1ed h14f y6611 ff1 fs64 fc3 sc0 ls50 ws5b\">2024<span class=\"_ _3eb\"> </span></div></td><td></td><td></td></tr><tr><td></td><td class=\"t m0 x534 h14f y67be ff5 fs64 fc0 sc0 ls50 ws5b\">Carrying </td><td></td><td class=\"t m0 xd2b h14f y67bf ff5 fs64 fc0 sc0 ls50 ws5b\">Fair value<span class=\"_ _3eb\"> </span></td><td></td><td></td><td class=\"t m0 x539 h151 y67be ff1 fs64 fc3 sc0 ls50 ws5b\">Carrying </td><td></td><td class=\"t m0 xb9e h151 y67bf ff1 fs64 fc3 sc0 ls50 ws0\">Fair value<span class=\"_ _3eb\"> </span></td><td></td><td></td></tr><tr><td></td><td class=\"t m0 xd2c h14f y67c0 ff5 fs64 fc0 sc0 ls50 ws5b\">value<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xd2d h14f y67c0 ff5 fs64 fc0 sc0 ls50 ws5b\">Level 1<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xd2e h14f y67c0 ff5 fs64 fc0 sc0 ls50 ws5b\">Level 2<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xd2f h14f y67c0 ff5 fs64 fc0 sc0 ls50 ws5b\">Level 3<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x538 h14f y67c0 ff5 fs64 fc0 sc0 ls50 ws5b\">Total<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xd30 h151 y67c0 ff1 fs64 fc3 sc0 ls50 ws5b\">value<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xd31 h151 y67c0 ff1 fs64 fc3 sc0 ls50 ws0\">Level 1<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xd32 h151 y67c0 ff1 fs64 fc3 sc0 ls50 ws0\">Level 2<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xd33 h151 y67c0 ff1 fs64 fc3 sc0 ls50 ws0\">Level 3<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x53d h151 y67c0 ff1 fs64 fc3 sc0 ls50 ws5b\">Total<span class=\"_ _3eb\"> </span></td></tr><tr><td></td><td class=\"t m0 x53e h14f y67c1 ff5 fs64 fc0 sc0 ls50 ws5b\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x53f h14f y67c1 ff5 fs64 fc0 sc0 ls50 ws5b\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x540 h14f y67c1 ff5 fs64 fc0 sc0 ls50 ws5b\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x541 h14f y67c1 ff5 fs64 fc0 sc0 ls50 ws5b\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x542 h14f y67c1 ff5 fs64 fc0 sc0 ls50 ws5b\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x543 h153 y67c1 ff4 fs64 fc3 sc0 ls50 ws5b\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x544 h153 y67c1 ff4 fs64 fc3 sc0 ls50 ws5b\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x545 h153 y67c1 ff4 fs64 fc3 sc0 ls50 ws5b\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x546 h153 y67c1 ff4 fs64 fc3 sc0 ls50 ws5b\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x547 h153 y67c1 ff4 fs64 fc3 sc0 ls50 ws5b\">$million<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"t m0 x221 h13 y67c2 ff5 fs7 fc3 sc0 ls7 ws7\">Assets<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1ee y67c3 w53e h241\"><div class=\"t m0 x1ed hba y65a9 ff1 fs7 fc3 sc0 ls7 ws0\">Cash and balances at central banks</div><div class=\"t m0 x9db hd1 y65aa ff1 fs61 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd34 y67c4 w53f h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">77,746<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd35 y67c4 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd36 y67c4 w6fa h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">77,746<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd37 y67c4 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd38 y67c4 w6fa h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">77,746<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd39 y67c4 w579 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">63,447<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd3a y67c4 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd3b y67c4 w579 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">63,447<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd3c y67c4 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd3d y67c4 w579 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">63,447<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y67c5 w642 h20d\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws0\">Loans and advances to banks<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd3e y67c5 w6fb h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">43,901<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd3f y67c5 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd40 y67c5 w6fc h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">43,834<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd41 y67c5 w6dc h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">83<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd42 y67c5 w1bd h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">43,917<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd43 y67c5 w6fd h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">43,593<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd44 y67c5 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd45 y67c5 w6fe h20d\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws7\">43,430<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd46 y67c5 w6ff h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">165<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd47 y67c5 w700 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">43,595<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x40a hb y67c6 ff4 fs7 fc3 sc0 ls7 ws7\">of which \u2013 reverse repurchase </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m0 x40a hb y67c7 ff4 fs7 fc3 sc0 ls7 ws7\">agreements and other similar </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x40b y67c8 w547 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">secured<span class=\"_ gs1a2\"> </span>lending<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd48 y67c8 w55f h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">3,724<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd49 y67c8 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd4a y67c8 w670 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">3,733<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd4b y67c8 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd4c y67c8 w670 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">3,733<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd4d y67c8 w701 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">2,946<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd4e y67c8 w14f h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd4f y67c8 w702 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">2,948<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd50 y67c8 w14f h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd51 y67c8 w702 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">2,948<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y67c9 w645 h20d\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws0\">Loans and advances to customers<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd52 y67c9 w2e5 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">286,788<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd53 y67c9 w14e h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd54 y67c9 w55a h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">28,759<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd55 y67c9 w703 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">257,093<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd56 y67c9 w704 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">285,852<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd57 y67c9 w705 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">281,032<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd58 y67c9 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd59 y67c9 w706 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">40,582<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd5a y67c9 w707 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">238,986<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd5b y67c9 w708 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">279,568<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x40a hb y67ca ff4 fs7 fc3 sc0 ls7 ws7\">of which \u2013 reverse repurchase </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m0 x40a hb y67cb ff4 fs7 fc3 sc0 ls7 ws7\">agreements and other similar </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x40b y67cc w547 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">secured<span class=\"_ gs1a2\"> </span>lending<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd5c y67cc w709 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">8,242<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd5d y67cc w14e h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd5e y67cc w709 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">8,242<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd5f y67cc w14e h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd60 y67cc w709 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">8,242<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd61 y67cc w594 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">9,660<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd62 y67cc w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd63 y67cc w70a h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">9,618<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd64 y67cc w70b h20d\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws7\">42<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd65 y67cc w594 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">9,660<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y67cd w70c h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">Investment securities</div><div class=\"t m0 xd66 hd1 y659f ff1 fs61 fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd34 y67ce w70d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">57,250<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd67 y67ce w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd68 y67ce w70e h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">56,427<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd69 y67ce w14e h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd6a y67ce w6d6 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">56,427<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd6b y67ce w598 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">55,137<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd6c y67ce w14f h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd6d y67ce w2cc h20d\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws7\">53,050<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd6e y67ce w70b h20d\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws7\">24<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd6f y67ce w70f h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">53,074<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y67cf w710 h241\"><div class=\"t m0 x1ed hba y65a9 ff1 fs7 fc3 sc0 ls7 ws0\">Other assets</div><div class=\"t m0 xd70 hd1 y65aa ff1 fs61 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd71 y67d0 w711 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">36,770<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd72 y67d0 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd73 y67d0 w711 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">36,770<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd74 y67d0 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd75 y67d0 w711 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">36,770<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd76 y67d0 w712 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">34,585<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd77 y67d0 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd78 y67d0 w59e h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">34,585<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd79 y67d0 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd7a y67d0 w59e h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">34,585<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y67d1 w56e h20d\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws0\">Assets held for sale<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd7b y67d1 w56f h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">1,042<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd7c y67d1 w713 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">74<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd7d y67d1 w714 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">178<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd7e y67d1 w715 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">790<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd7f y67d1 w716 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">1,042<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd80 y67d1 w717 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">884<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd81 y67d1 w179 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">58<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd82 y67d1 w718 h20d\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws7\">353<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd83 y67d1 w719 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">473<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd84 y67d1 w717 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">884<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y67d2 w71a h20b\"><div class=\"t m0 x1ed hb2 y65af ff5 fs7 fc3 sc0 ls7 ws7\">Total as at 31 December<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd85 y67d2 w71b h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">503,497<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd86 y67d2 w713 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">74<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd87 y67d2 w71c h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">243,714<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd88 y67d2 w71d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">257,966<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd89 y67d2 w71e h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">501,754<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd8a y67d2 w71f h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">478,678<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd8b y67d2 w179 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">58<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd8c y67d2 w64b h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">235,447<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd8d y67d2 w720 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">239,648<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd8e y67d2 w721 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">475,153<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x221 h13 y67d3 ff5 fs7 fc3 sc0 ls7 ws7\">Liabilities<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y67d4 w6b6 h20d\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws0\">Deposits by banks<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd8f y67d4 w722 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">30,846<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd90 y67d4 w14e h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd91 y67d4 w723 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">30,846<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd92 y67d4 w14e h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd93 y67d4 w722 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">30,846<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd94 y67d4 w724 h20d\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws7\">25,400<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd95 y67d4 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd96 y67d4 w725 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">25,238<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd97 y67d4 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd98 y67d4 w725 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">25,238<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y67d5 w6ba h20d\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws0\">Customer accounts<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd99 y67d5 w726 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">530,161<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd53 y67d5 w14e h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd9a y67d5 w727 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">526,569<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd9b y67d5 w14e h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd9c y67d5 w727 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">526,569<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd9d y67d5 w728 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">464,489<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd9e y67d5 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd9f y67d5 w729 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">461,549<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xda0 y67d5 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xda1 y67d5 w729 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">461,549<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y67d6 w72a h24d\"><div class=\"t m0 x1ed hba y65b6 ff1 fs7 fc3 sc0 ls7 ws0\">Repurchase agreements and other<span class=\"_ _3eb\"> </span></div><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">similar<span class=\"_ gs1a2\"> </span>secured borrowing<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xda2 y67d6 w72b h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">7,757<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xda3 y67d6 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xda4 y67d6 w72c h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">7,757<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xda5 y67d6 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xda6 y67d6 w72c h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">7,757<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xda7 y67d6 w72d h212\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws7\">12,132<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd58 y67d6 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xda8 y67d6 w72e h212\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws7\">12,133<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xda9 y67d6 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdaa y67d6 w72f h212\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws7\">12,133<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y67d7 w6c1 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">Debt securities in issue<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdab y67d7 w730 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">72,858<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdac y67d7 w731 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">36,578<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdad y67d7 w732 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">36,392<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdae y67d7 w14e h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdaf y67d7 w733 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">72,970<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdb0 y67d7 w734 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">64,609<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdb1 y67d7 w735 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">32,209<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdb2 y67d7 w736 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">32,181<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdb3 y67d7 w14f h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdb4 y67d7 w737 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">64,390<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y65bd w738 h243\"><div class=\"t m0 x1ed hb y671e ff4 fs7 fc3 sc0 ls7 ws7\">Subordinated liabilities and other<span class=\"_ _3eb\"> </span></div><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws0\">borrowed funds<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdb5 y65bd w739 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">8,834<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdb6 y65bd w311 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">8,045<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdb7 y65bd w73a h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">607<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdb8 y65bd w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdb9 y65bd w643 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">8,652<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdba y65bd w73b h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">10,382<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdbb y65bd w73c h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">9,599<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdbc y65bd w73d h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">429<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdbd y65bd w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdbe y65bd w6fd h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">10,028<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y67d8 w73e h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">Other liabilities\u00b9<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdbf y67d8 w73f h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">45,788<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdc0 y67d8 w14e h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdc1 y67d8 w740 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">45,788<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdc2 y67d8 w14e h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdc3 y67d8 w740 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">45,788<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdc4 y67d8 w741 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">44,047<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdc5 y67d8 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdc6 y67d8 w742 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">44,047<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdc7 y67d8 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdc8 y67d8 w742 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">44,047<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y67d9 w743 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">Liabilities held for sale<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdc9 y67d9 w744 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">908<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdca y67d9 w745 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">147<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdcb y67d9 w746 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">761<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdcc y67d9 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdcd y67d9 w747 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">908<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdce y67d9 w748 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">360<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdcf y67d9 w749 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">89<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdd0 y67d9 w74a h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">271<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdd1 y67d9 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdd2 y67d9 w74b h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">360<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6567 w71a h20b\"><div class=\"t m0 x1ed hb2 y65af ff5 fs7 fc3 sc0 ls7 ws7\">Total as at 31 December<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdd3 y6567 w74c h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">697,152<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdd4 y6567 w74d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">44,770<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdd5 y6567 w74e h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">648,720<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdd6 y6567 w14e h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdd7 y6567 w74f h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">693,490<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdd8 y6567 w4e9 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">621,419<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdd9 y6567 w750 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">41,897<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdda y6567 w23e h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">575,848<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xda9 y6567 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xddb y6567 w751 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">617,745<span class=\"_ _3eb\"> </span></div></td></tr></table>1 <span class=\"_ _b\"> </span><span class=\"ff4\">The carrying amount of these financial instruments is considered to be a reasonable <span class=\"_ _7\"></span>approximation of fair value as they are short-term <span class=\"_ _7\"></span>in nature or reprice </span>to<span class=\"_ gs1a2\"> </span>current market rates frequently.<span class=\"_ _3eb\"> </span>2 <span class=\"_ _f\"> </span><span class=\"ff4\">Includes Government bonds and Treasury bills of $27,813 million at 31 December <span class=\"_ _7\"></span>2025 (31 December 2024: $23,150 million).<span class=\"_ _3eb\"> </span></span>Loans and advances to customers by client segment1<span class=\"_ _3eb\"> </span><table class=\"s w752 h24e\" id=\"_f5f22e35-2c01-434c-823d-917d99dcff21\"><tr><td></td><td></td><td></td><td class=\"c n xddc y67da w281 h24f\"><div class=\"t m0 x1ed h14f y6611 ff5 fs64 fc0 sc0 ls50 ws5b\">2025<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td class=\"c n xddd y67da w6f9 h250\"><div class=\"t m0 x1ed h14f y6611 ff1 fs64 fc3 sc0 ls50 ws5b\">2024<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"c n xdde y67db w753 h24f\"><div class=\"t m0 x1ed h14f y6611 ff5 fs64 fc0 sc0 ls50 ws5b\">Carrying value<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td class=\"c n xddf y67db w537 h24f\"><div class=\"t m0 x1ed h14f y6611 ff5 fs64 fc0 sc0 ls50 ws5b\">Fair value<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td class=\"c n xde0 y67db w754 h250\"><div class=\"t m0 x1ed h14f y6611 ff1 fs64 fc3 sc0 ls50 ws0\">Carrying value<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td class=\"c n xde1 y67db w755 h250\"><div class=\"t m0 x1ed h14f y6611 ff1 fs64 fc3 sc0 ls50 ws0\">Fair value<span class=\"_ _3eb\"> </span></div></td><td></td></tr><tr><td></td><td></td><td class=\"t m0 xde2 h14f y67dc ff5 fs64 fc0 sc0 ls50 ws5b\">Stage 1 and </td><td></td><td></td><td class=\"t m0 xde3 h14f y67dc ff5 fs64 fc0 sc0 ls50 ws5b\">Stage 1 and </td><td></td><td></td><td class=\"t m0 xde4 h151 y67dc ff1 fs64 fc3 sc0 ls50 ws0\">Stage 1 and </td><td></td><td></td><td class=\"t m0 xde5 h151 y67dc ff1 fs64 fc3 sc0 ls50 ws0\">Stage 1 and </td><td></td></tr><tr><td></td><td class=\"t m0 xde6 h14f y67dd ff5 fs64 fc0 sc0 ls50 ws5b\">Stage 3<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xde7 h14f y67dd ff5 fs64 fc0 sc0 ls50 ws5b\">stage 2<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xd2c h14f y67dd ff5 fs64 fc0 sc0 ls50 ws5b\">Total<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xde8 h14f y67dd ff5 fs64 fc0 sc0 ls50 ws5b\">Stage 3<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xde9 h14f y67dd ff5 fs64 fc0 sc0 ls50 ws5b\">stage 2<span class=\"_ _3eb\"> </span></td><td></td><td class=\"t m0 x602 h151 y67dd ff1 fs64 fc3 sc0 ls50 ws0\">Stage 3<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xdea h151 y67dd ff1 fs64 fc3 sc0 ls50 ws0\">stage 2<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xdeb h151 y67dd ff1 fs64 fc3 sc0 ls50 ws5b\">Total<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xdec h151 y67dd ff1 fs64 fc3 sc0 ls50 ws0\">Stage 3<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x546 h151 y67dd ff1 fs64 fc3 sc0 ls50 ws0\">stage 2<span class=\"_ _3eb\"> </span></td><td></td></tr><tr><td></td><td class=\"t m0 xded h14f y67de ff5 fs64 fc0 sc0 ls50 ws5b\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xdee h14f y67de ff5 fs64 fc0 sc0 ls50 ws5b\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x53e h14f y67de ff5 fs64 fc0 sc0 ls50 ws5b\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x53f h14f y67de ff5 fs64 fc0 sc0 ls50 ws5b\">$million<span class=\"_ _3eb\"> </span></td><td class=\"c n xdef y67df w53d h24f\"><div class=\"t m0 x1ed h14f y6611 ff5 fs64 fc0 sc0 ls50 ws5b\">$million<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdf0 y67df w756 h24f\"><div class=\"t m0 x1ed h14f y6611 ff5 fs64 fc0 sc0 ls50 ws5b\">Total</div></td><td class=\"t m0 x542 h153 y67de ff4 fs64 fc3 sc0 ls50 ws5b\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x543 h153 y67de ff4 fs64 fc3 sc0 ls50 ws5b\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x544 h153 y67de ff4 fs64 fc3 sc0 ls50 ws5b\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x545 h153 y67de ff4 fs64 fc3 sc0 ls50 ws5b\">$million<span class=\"_ _3eb\"> </span></td><td class=\"c n xdf1 y67e1 w757 h251\"><div class=\"t m0 x1ed h153 y67e0 ff4 fs64 fc3 sc0 ls50 ws5b\">$million<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdf2 y67e1 w758 h250\"><div class=\"t m0 x1ed h153 y67e0 ff1 fs64 fc3 sc0 ls50 ws5b\">Total<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x221 hba y67e2 ff1 fs7 fc3 sc0 ls7 ws7\">Corporate </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m0 x221 hb y67e3 ff4 fs7 fc3 sc0 ls7 ws7\">&amp;<span class=\"_ gs1a2\"> </span>Investment </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y67e4 w759 h212\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws7\">Banking<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdf3 y67e4 w75a h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">1,987<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdf4 y67e4 w75b h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">140,193<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdf5 y67e4 w75c h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">142,180<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdf6 y67e4 w478 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">1,974<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdf7 y67e4 w75d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">140,463<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdf8 y67e4 w75e h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">142,437<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdf9 y67e4 w75f h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">1,298<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdfa y67e4 w760 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">137,006<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdfb y67e4 w761 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">138,304<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdfc y67e4 w762 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">1,174<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdfd y67e4 w763 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">137,234<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdfe y67e4 w764 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">138,408<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x221 hba y67e5 ff1 fs7 fc3 sc0 ls7 ws0\">Wealth &amp; </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y67e6 w765 h212\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws0\">Retail Banking<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xdff y67e6 w766 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">877<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe00 y67e6 w767 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">126,100<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe01 y67e6 w768 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">126,977<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe02 y67e6 w769 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">875<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe03 y67e6 w76a h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">125,023<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe04 y67e6 w76b h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">125,898<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe05 y67e6 w76c h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">858<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe06 y67e6 w76d h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">118,390<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe07 y67e6 w76e h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">119,248<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe08 y67e6 w76c h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">858<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe09 y67e6 w76f h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">116,823<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe0a y67e6 w770 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">117,681<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y67e7 w771 h212\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws7\">Ventures<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe0b y67e7 w772 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">13<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe0c y67e7 w773 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">2,646<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe0d y67e7 w774 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">2,659<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe0e y67e7 w772 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">13<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe0f y67e7 w775 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">2,646<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe10 y67e7 w776 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">2,659<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe11 y67e7 w6f0 h212\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe12 y67e7 w777 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">1,388<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe13 y67e7 w6b9 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">1,389<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe14 y67e7 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe15 y67e7 w778 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">1,388<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe16 y67e7 w777 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">1,388<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x221 hba y67e8 ff1 fs7 fc3 sc0 ls7 ws0\">Central &amp; </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y67e9 w779 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">other<span class=\"_ gs1a2\"> </span>items<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe17 y67e9 w14e h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe18 y67e9 w77a h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">14,972<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe19 y67e9 w77a h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">14,972<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe1a y67e9 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe1b y67e9 w3b7 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">14,858<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe1c y67e9 w1e3 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">14,858<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe1d y67e9 w749 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">98<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe1e y67e9 w77b h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">21,993<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe1f y67e9 w77c h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">22,091<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe20 y67e9 w749 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">98<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe21 y67e9 w77b h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">21,993<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe22 y67e9 w77c h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">22,091<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y6567 w77d h252\"><div class=\"t m0 x1ed h13 y671e ff5 fs7 fc3 sc0 ls7 ws7\">Total as at<span class=\"_ _3eb\"> </span></div><div class=\"t m0 x1ed hb2 y65af ff5 fs7 fc3 sc0 ls7 ws7\">31 December<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe23 y6567 w77e h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">2,877<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe24 y6567 w77f h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">283,911<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe25 y6567 w2e5 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">286,788<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe26 y6567 w684 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">2,862<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe27 y6567 w780 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">282,990<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe28 y6567 w781 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">285,852<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe29 y6567 w782 h212\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws7\">2,255<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe2a y6567 w783 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">278,777<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe2b y6567 w705 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">281,032<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe2c y6567 w784 h212\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws7\">2,130<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe2d y6567 w785 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">277,438<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe2e y6567 w708 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">279,568<span class=\"_ _3eb\"> </span></div></td></tr></table>1 <span class=\"_ _b\"> </span><span class=\"ff4\">Loans and advances includes reverse repurchase agreements and other similar secured lending: carrying <span class=\"_ _7\"></span>value $8,242 million and fair value $8,243 million </span>(31 December 2024: $9,660 million and $9,660 million <span class=\"_ _7\"></span>respectively)<span class=\"_ _3eb\"> </span>.<span class=\"_ _3eb\"> </span>Fair value of <span class=\"_ _7\"></span>financial instruments<span class=\"_ _3eb\"> </span>Level 3 <span class=\"_ _7\"></span>Summary and <span class=\"_ _7\"></span>significant unobservable <span class=\"_ _1b\"></span>inputs<span class=\"_ _3eb\"> </span>The following table presents the Group\u2019s <span class=\"_ _7\"></span>primary Level 3 financial instruments which are <span class=\"_ _7\"></span>held at fair value. The table <span class=\"_ _7\"></span>also presents the valuation techniques used to <span class=\"_ _7\"></span>measure the fair value of those financial <span class=\"_ _7\"></span>instruments, the significant unobservable inputs, the range of values for <span class=\"_ _7\"></span>those inputs and the weighted average of <span class=\"_ _7\"></span>those inputs:<span class=\"_ _3eb\"> </span><table class=\"s w786 h253\" id=\"_7eb67cf7-040c-4137-b0a3-df567cf7d2bb\"><tr><td></td><td></td><td class=\"t m0 x2cb h38 y67ea ff5 fs17 fc0 sc0 ls21 ws20\">Value as at<span class=\"ff2 ls0 ws0\"> </span></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"t m0 xe2f h38 y67eb ff5 fs17 fc0 sc0 ls21 ws20\" colspan=\"2\">31 December 2025<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"t m0 xe30 h38 y67ec ff5 fs17 fc0 sc0 ls21 ws20\">Assets<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xe31 h38 y67ec ff5 fs17 fc0 sc0 ls21 ws20\">Liabilities<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td class=\"t m0 xe32 h39 y67ec ff1 fs17 fc3 sc0 ls21 ws20\">Weighted<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"t m0 x235 h39 y67ed ff1 fs17 fc3 sc0 ls21 ws20\">Instrument<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xe33 h38 y67ed ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xe34 h38 y67ed ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"c n xe35 y67ee w787 h215\"><div class=\"t m0 x1ed h2c y65c7 ff4 fs17 fc3 sc0 ls21 ws20\">Principal valuation technique<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe36 y67ee w788 h215\"><div class=\"t m0 x1ed h2c y65c7 ff4 fs17 fc3 sc0 ls21 ws20\">Significant unobservable<span class=\"_ gs490\"> </span>inputs<span class=\"_ _3eb\"> </span></div></td><td class=\"c xe38 y67ee w789 h254\"><div class=\"t m0 x1ed h2c y65c7 ff1 fs17 fc3 sc0 ls21 ws20\">Range</div><div class=\"t m0 xe37 h3a y65c8 ff1 fs19 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c xe3a y67ef w78a h228\"><div class=\"t m0 x1ed h39 y65c3 ff1 fs17 fc3 sc0 ls21 ws20\">average</div><div class=\"t m0 xe39 h3a y664d ff1 fs19 fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x235 h3b y67f0 ff1 fs5 fc3 sc0 ls5 ws0\">Loans and advances </td><td class=\"c n xe3b y67f1 w397 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">299<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe3c y67f1 w2bc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe3d y67f1 w78b h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Discounted cash flows<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe3e y67f1 w78c h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">Price/yield<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe3f y67f1 w78d h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">4.4% \u2013 4.9%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe40 y67f1 w78e h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">4.6%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x235 h1a y67f2 ff4 fs5 fc3 sc0 ls5 ws5\">to<span class=\"_ gs1a1\"> </span>banks<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m0 x235 h3b y67f3 ff1 fs5 fc3 sc0 ls5 ws0\">Loans and advances </td><td class=\"c n xe41 y67f4 w78f h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">3,464<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe42 y67f4 w2bc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe43 y67f4 w78b h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Discounted cash flows<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe44 y67f4 w78c h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">Price/yield<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe45 y67f4 w790 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">2.1% \u2013 61.3%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe46 y67f4 w791 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">8.9%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y67f5 w792 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">to<span class=\"_ gs1a1\"> </span>customers</div><div class=\"t m0 xe47 h3c y660d ff1 fs1b fc3 sc0 ls0 ws0\">3<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td></td><td class=\"c n xe48 y67f6 w793 h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Recovery rate<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe49 y67f6 w794 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">99.98% \u2013 99.99%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe4a y67f6 w795 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">99.99%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td></td><td></td><td class=\"c n xe35 y67f7 w348 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Comparable pricing/yield<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe4b y67f7 w796 h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">Price<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe4c y67f7 w797 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">29.4% \u2013 100%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe4d y67f7 w798 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">93.2%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x235 h3b y67f8 ff1 fs5 fc3 sc0 ls5 ws0\">Reverse repurchase </td><td class=\"c n xe41 y67f9 w799 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">3,684<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe4e y67f9 w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe4f y67f9 w78b h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Discounted cash flows<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe50 y67f9 w79a h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Repo curve<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe51 y67f9 w79b h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">0.7% \u2013 8.1%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe52 y67f9 w79c h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">5.4%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x235 h1a y67fa ff4 fs5 fc3 sc0 ls5 ws5\">agreements and other similar </td><td></td><td></td><td></td><td class=\"c n xe48 y67fb w78c h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Price/yield<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe3f y67fb w79d h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">4.1% \u2013 25.1%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe53 y67fb w32d h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">9.6%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x235 h3b y67fc ff1 fs5 fc3 sc0 ls5 ws0\">secured lending<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m0 x235 h1a y67fd ff4 fs5 fc3 sc0 ls5 ws5\">Debt securities, alternative </td><td class=\"c n xe54 y67fe w79e h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">3,324<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe55 y67fe w2bc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe56 y67fe w78b h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Discounted cash flows<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe57 y67fe w78c h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">Price/yield<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe58 y67fe w79f h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">2.6% \u2013 53.8%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe59 y67fe w542 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">7.7%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x235 h1a y67ff ff4 fs5 fc3 sc0 ls5 ws5\">tier one and other eligible </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m0 x235 h1a y6800 ff4 fs5 fc3 sc0 ls5 ws5\">securities<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m0 x235 h3b y6801 ff1 fs5 fc3 sc0 ls5 ws0\">Equity shares (includes </td><td class=\"c n xe5a y6802 w7a0 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">1,477<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe5b y6802 w2bc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c xe5d y6802 w7a1 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">Comparable pricing/yield</div><div class=\"t m0 xe5c h3c y6803 ff1 fs1b fc3 sc0 ls0 ws0\">4<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe48 y6804 w796 h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">Price<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe5e y6804 w3cc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">N/A<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe5f y6804 w7a2 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">N/A<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x235 h1a y6805 ff4 fs5 fc3 sc0 ls5 ws5\">private equity investments)<span class=\"_ _3eb\"> </span></td><td></td><td></td><td class=\"c n xe35 y6806 w78b h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Discounted cash flows<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe60 y6806 w7a3 h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Discount rates<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe61 y6806 w7a4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">8.2% \u2013 25.9%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe62 y6806 w5ce h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">10.5%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td></td><td></td><td class=\"c n xe35 y6807 w7a5 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Option pricing model<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe63 y6807 w7a6 h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Equity value based on<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe64 y6807 w7a7 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">5.4x \u2013 23.0x<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe65 y6807 w7a8 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">11.54x<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"t m0 x670 h1a y6808 ff4 fs5 fc3 sc0 ls5 ws5\">EV/Revenue multiples<span class=\"_ _3eb\"> </span></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"t m0 x670 h3b y6809 ff1 fs5 fc3 sc0 ls5 ws0\">Equity value based on </td><td class=\"c n x7e0 y680a w7a9 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">3.2x \u2013 3.2x<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe66 y680a w7aa h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">3.2x<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"t m0 x670 h1a y680b ff4 fs5 fc3 sc0 ls5 ws5\">EV/EBITDA multiples<span class=\"_ _3eb\"> </span></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"t m0 x670 h3b y680c ff1 fs5 fc3 sc0 ls5 ws0\">Equity value based on </td><td class=\"c n x392 y680d w7ab h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">40.0% \u2013 40.0%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe67 y680d w7ac h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">40.0%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"t m0 x670 h1a y680e ff4 fs5 fc3 sc0 ls5 ws5\">volatility<span class=\"_ _3eb\"> </span></td><td></td><td></td></tr><tr><td class=\"t m0 x235 h1a y680f ff4 fs5 fc3 sc0 ls5 ws5\">Derivative financial </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m0 x235 h1a y6810 ff4 fs5 fc3 sc0 ls5 ws5\">instruments of which:<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x236 y6811 w7ad h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Foreign exchange<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe68 y6811 w3a6 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">35<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe69 y6811 w74 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">21<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe6a y6811 w7a5 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">Option pricing model<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe6b y6811 w7ae h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Foreign exchange option<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe6c y6812 w7af h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">0.4% \u2013 44.6%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe6d y6812 w612 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">33.0%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"t m0 x670 h1a y6813 ff4 fs5 fc3 sc0 ls5 ws5\">implied volatility<span class=\"_ _3eb\"> </span></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td class=\"c n xe35 y6814 w78b h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Discounted cash flows<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe60 y6814 w7b0 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Interest rate curves<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe6e y6814 w7b1 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">0.3% \u2013 36.0%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe6f y6814 w7b2 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">14.3%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"c n xe48 y6815 w7b3 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Foreign exchange curves<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe70 y6815 w7b4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">1.3% \u2013 3.9%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe71 y6815 w7b5 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">1.7%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x236 y6816 w463 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">Commodity<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe72 y6816 w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe73 y6816 w2f1 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe74 y6816 w7b6 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Discounted cash flows<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe75 y6816 w7b7 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Commodity prices<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe76 y6816 w7b8 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">$0.2 \u2013 $341.2<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe77 y6816 w579 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">$62.4<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td></td><td></td><td class=\"c n xe35 y6817 w7b9 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Internal pricing model<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe78 y6817 w7ba h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">CM-CM correlation<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe79 y6817 w7bb h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">59.7% \u2013 97.4%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe7a y6817 w7bc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">78.6%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x236 y65e8 w7bd h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Interest rate<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe7b y65e8 w7be h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">46<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe7c y65e8 wac h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">22<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe7d y65e8 w78b h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Discounted cash flows<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe7e y65e8 w7b0 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Interest rate curves<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe7f y65e8 w7bf h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">3.5% \u2013 36.0%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe80 y65e8 w7c0 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">9.8%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x236 y65e9 w7c1 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">Credit<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe81 y65e9 w91 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">5<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe82 y65e9 w1e9 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">128<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe83 y65e9 w78b h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Discounted cash flows<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe84 y65e9 w7c2 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Credit spreads<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe85 y65e9 w7c3 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">0.9% \u2013 1.0%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe86 y65e9 w7c4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">0.9%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"c n xe48 y6818 w78c h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Price/yield<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe87 y6818 w7c5 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">2.7% \u2013 25.1%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe88 y6818 w7c6 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">7.3%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td></td><td></td><td class=\"c n xe35 y6819 w7b9 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Internal pricing model<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe78 y6819 w7c7 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Bond option implied<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe89 y6819 w7c8 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">5.0% \u2013 13.0%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe8a y6819 w7c9 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">10.8%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"t m0 x670 h1a y681a ff4 fs5 fc3 sc0 ls5 ws5\">volatility<span class=\"_ _3eb\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x236 y681b w7ca h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Equity and stock index<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe8b y681b w47b h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">4<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe8c y681b w4b2 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">54<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe8d y681b w7b9 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">Internal pricing model<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe8e y681b w7cb h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Equity-Equity correlation<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe8f y681b w7cc h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">50.8% \u2013 100%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe90 y681b w7cd h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">77.6%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"c n xe48 y681c w7ce h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Equity-FX correlation<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe91 y681c w7cf h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(26.9)% \u2013 46.8%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe92 y681c w7d0 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">6.7%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y681d wf2 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Deposits by banks<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe93 y681d w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe94 y681d w397 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">269<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe95 y681d w78b h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Discounted cash flows<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe96 y681d w7d1 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">Price/Yield<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe97 y681d w7d2 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">4.3% \u2013 6.1%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe98 y681d w7d3 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">5.7%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y681e wf5 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Customer accounts<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe99 y681e w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe9a y681e w7d4 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">3,478<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe9b y681e w7b9 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">Internal pricing model<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe9c y681e w7cb h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Equity-Equity correlation<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe9d y681e w7cc h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">50.8% \u2013 100%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe9e y681e w7cd h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">77.6%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"c n xe48 y681f w7ce h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Equity-FX correlation<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe91 y681f w7cf h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(26.9)% \u2013 46.8%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe92 y681f w7d0 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">6.7%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"c n xe48 y6820 w78c h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Price/yield<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe9f y6820 w7d5 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">2.6% \u2013 20.8%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xea0 y6820 wb3 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">8.7%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y65f3 w101 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">Debt securities in issue<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xea1 y65f3 w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xea2 y65f3 w317 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">1,084<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xea3 y65f3 w78b h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Discounted cash flows<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xea4 y65f3 w78c h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">Price/yield<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xea5 y65f3 w7d6 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">7.4% \u2013 19.0%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x21b y65f3 w7d7 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">17.1%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"c n xe48 y6821 w7b0 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Interest rate curves<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xea6 y6821 w7d8 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">3.6% \u2013 36.0%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xea7 y6821 w1bb h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">15.1%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td></td><td></td><td class=\"c n xe35 y6822 w7b9 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Internal pricing model<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe78 y6822 w7cb h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Equity-Equity correlation<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xea8 y6822 w7cc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">50.8% \u2013 100%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xea9 y6822 w7cd h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">77.6%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"c n xe48 y6823 w7ce h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Equity-FX correlation<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe91 y6823 w7cf h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(26.9)% \u2013 46.8%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe92 y6823 w7d0 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">6.7%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td></td><td></td><td class=\"c n xe35 y6824 w7a5 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Option pricing model<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe63 y6824 w7c7 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Bond option implied<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe89 y6824 w7c8 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">5.0% \u2013 13.0%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe8a y6824 w7c9 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">10.8%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"t m0 x670 h1a y6825 ff4 fs5 fc3 sc0 ls5 ws5\">volatility<span class=\"_ _3eb\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x1ee y6826 w5b5 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">Short positions<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xeaa y6826 w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xeab y6826 w7d9 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">76<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xeac y6826 w78b h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Discounted cash flows<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xead y6826 w78c h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">Price/yield<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xeae y6826 w7da h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">7.13% \u2013 7.13%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xeaf y6826 w7db h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">7.1%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6567 w49a h203\"><div class=\"t m0 x1ed h3d y655f ff5 fs5 fc3 sc0 ls5 ws5\">Total<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xeb0 y6567 w7dc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">12,338<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xeb1 y6567 w7dd h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">5,133<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td></td><td></td></tr></table>1 <span class=\"_ _b\"> </span><span class=\"ff4\">The ranges of values shown in the above table represent the highest and <span class=\"_ _7\"></span>lowest levels used in the valuation of the <span class=\"_ _7\"></span>Group\u2019s Level 3 financial instruments as at </span>31 December 2025. The ranges of values used <span class=\"_ _7\"></span>are reflective of the underlying characteristics of these <span class=\"_ _7\"></span>Level 3 financial instruments based on the market <span class=\"_ _7\"></span>conditions at<span class=\"_ gs1a2\"> </span>the balance sheet date. <span class=\"_ _7\"></span>However, these ranges of <span class=\"_ _7\"></span>values may not represent <span class=\"_ _7\"></span>the uncertainty in <span class=\"_ _7\"></span>fair value measurements of <span class=\"_ _7\"></span>the Group\u2019s Level 3 <span class=\"_ _7\"></span>financial instruments.<span class=\"_ _3eb\"> </span>2 <span class=\"_ _f\"> </span><span class=\"ff4\">Weighted average for non-derivative financial instruments has been calculated by weighting <span class=\"_ _7\"></span>inputs by the relative fair value. <span class=\"_ _7\"></span>Weighted average for derivatives has </span>been provided by weighting inputs by the risk <span class=\"_ _7\"></span>relevant to that variable. N/A has been entered <span class=\"_ _7\"></span>for the cases where weighted average is not <span class=\"_ _7\"></span>a meaningful indicator.<span class=\"_ _3eb\"> </span>3 <span class=\"_ _f\"> </span><span class=\"ff4\">The inputs for Loans and advances to customers under Discounted Cash flow technique <span class=\"_ _7\"></span>have been split to show as a separate <span class=\"_ _7\"></span>line under Comparable pricing/yield </span>for better representation of material inputs.<span class=\"_ _3eb\"> </span>4 <span class=\"_ _e\"> </span><span class=\"ff4\">The inputs for equity shares under Comparable pricing/yield technique have been consolidated <span class=\"_ _7\"></span>under \u2018Price\u2019 as they are not individually material.<span class=\"_ _3eb\"> </span></span><div class=\"gs3ff\"><table class=\"s w7de h255\" id=\"_ab9c0f7e-fe1d-4823-a74e-866441c836b3\"><tr><td></td><td></td><td class=\"t m0 xeb2 h39 y6827 ff1 fs17 fc3 sc0 ls21 ws0\">Value as at<span class=\"ls0\"> </span></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"t m0 xeb3 h39 y6828 ff1 fs17 fc3 sc0 ls21 ws0\" colspan=\"2\">31 December 2024<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"t m0 xeb4 h39 y6829 ff1 fs17 fc3 sc0 ls21 ws20\">Assets<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xeb5 h2c y6829 ff4 fs17 fc3 sc0 ls21 ws20\">Liabilities<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td class=\"t m0 xeb6 h39 y6829 ff1 fs17 fc3 sc0 ls21 ws20\">Weighted<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"t m0 x221 h39 y682a ff1 fs17 fc3 sc0 ls21 ws20\">Instrument<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xeb3 h2c y682a ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xeb7 h2c y682a ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"c n xeb8 y682b w787 h215\"><div class=\"t m0 x1ed h2c y65c7 ff4 fs17 fc3 sc0 ls21 ws20\">Principal valuation technique<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xeb9 y682b w788 h215\"><div class=\"t m0 x1ed h2c y65c7 ff4 fs17 fc3 sc0 ls21 ws20\">Significant unobservable<span class=\"_ gs490\"> </span>inputs<span class=\"_ _3eb\"> </span></div></td><td class=\"c xebb y682b w7df h256\"><div class=\"t m0 x1ed h2c y65c7 ff1 fs17 fc3 sc0 ls21 ws20\">Range</div><div class=\"t m0 xeba h3a y65c8 ff1 fs19 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c xebd y682c w7e0 h257\"><div class=\"t m0 x1ed h39 y65c3 ff1 fs17 fc3 sc0 ls21 ws20\">average</div><div class=\"t m0 xebc h3a y664d ff1 fs19 fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x221 h3b y682d ff1 fs5 fc3 sc0 ls5 ws0\">Loans and advances </td><td class=\"c n xebe y682e w335 h1ff\"><div class=\"t m0 x1ed h1a y6640 ff4 fs5 fc3 sc0 ls5 ws5\">1,937<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xebf y682e w2bc h1ff\"><div class=\"t m0 x1ed h1a y6640 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xec0 y682e w78b h1fe\"><div class=\"t m0 x1ed h1a y6640 ff1 fs5 fc3 sc0 ls5 ws0\">Discounted cash flows<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xec1 y682e w78c h1ff\"><div class=\"t m0 x1ed h1a y6640 ff4 fs5 fc3 sc0 ls5 ws5\">Price/yield<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xec2 y682e w7e1 h1ff\"><div class=\"t m0 x1ed h1a y6640 ff4 fs5 fc3 sc0 ls5 ws5\">1.0% \u2013 26.1%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xec3 y682e w542 h1ff\"><div class=\"t m0 x1ed h1a y6640 ff4 fs5 fc3 sc0 ls5 ws5\">7.7%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y6830 w7e2 h1ff\"><div class=\"t m0 x1ed h1a y6640 ff4 fs5 fc3 sc0 ls5 ws5\">to<span class=\"_ gs1a1\"> </span>customers</div><div class=\"t m0 xec4 h3c y682f ff1 fs1b fc3 sc0 ls0 ws0\">3<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td></td><td class=\"c n xec5 y6831 w793 h1fe\"><div class=\"t m0 x1ed h1a y6640 ff1 fs5 fc3 sc0 ls5 ws0\">Recovery rate<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xec6 y6831 w7e3 h1ff\"><div class=\"t m0 x1ed h1a y6640 ff4 fs5 fc3 sc0 ls5 ws5\">93.2% \u2013 95.6%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xec7 y6831 w7e4 h1ff\"><div class=\"t m0 x1ed h1a y6640 ff4 fs5 fc3 sc0 ls5 ws5\">95.1%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td></td><td></td><td class=\"c n xeb8 y6832 w348 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Comparable pricing/yield<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xec8 y6832 w796 h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">Price<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xec9 y6832 w7e5 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">1.2% \u2013 100%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xeca y6832 w7e6 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">89.9%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x221 h3b y6833 ff1 fs5 fc3 sc0 ls5 ws0\">Reverse repurchase </td><td class=\"c n xecb y6834 w7e7 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">3,239<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xecc y6834 w2bc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xecd y6834 w78b h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Discounted cash flows<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xece y6834 w7e8 h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Repo curve<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xecf y6834 w7e9 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">2.0% \u2013 7.6%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xed0 y6834 w1d8 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">6.2%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y6835 w7ea h247\"><div class=\"t m0 x1ed h3b y65dd ff1 fs5 fc3 sc0 ls5 ws0\">agreements and other<span class=\"_ _3eb\"> </span></div><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">similar<span class=\"_ gs1a1\"> </span>secured lending<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td></td><td class=\"c n xec5 y6836 w78c h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Price/yield<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xed1 y6836 w7eb h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">2.3% \u2013 10.5%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xed2 y6836 w7ec h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">6.4%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x221 h1a y6837 ff4 fs5 fc3 sc0 ls5 ws5\">Debt securities, alternative </td><td class=\"c n xed3 y6838 w654 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">1,584<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xed4 y6838 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xed5 y6838 w78b h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Discounted cash flows<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xed6 y6838 w7ed h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Price/yield<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xed7 y6838 w7ee h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">0.7% \u2013 15.3%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xed8 y6838 w32d h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">6.9%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x221 h1a y6839 ff4 fs5 fc3 sc0 ls5 ws5\">tier one and other eligible </td><td></td><td></td><td></td><td class=\"c n xec5 y683a w793 h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Recovery rate<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xed9 y683a w7ef h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">0.01% \u2013 16.3%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xeda y683a w460 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">9.2%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x221 h1a y683b ff4 fs5 fc3 sc0 ls5 ws5\">securities<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1ee y683c w7f0 h258\"><div class=\"t m0 x1ed h3b y6751 ff1 fs5 fc3 sc0 ls5 ws0\">Government bonds and<span class=\"_ _3eb\"> </span></div><div class=\"t m0 x1ed h3b y6600 ff1 fs5 fc3 sc0 ls5 ws0\">treasury bills<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xedb y683d w7f1 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">9<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xedc y683d w2bc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xedd y683d w78b h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Discounted cash flows<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xede y683d w78c h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Price/yield<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xedf y683d w7f2 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">23.5% \u2013 23.5%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xee0 y683d w7f3 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">23.5%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x221 h3b y683e ff1 fs5 fc3 sc0 ls5 ws0\">Equity shares (includes </td><td class=\"c n xee1 y683f w7f4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">1,156<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xee2 y683f w2bc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c xee4 y683f w7f5 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Comparable pricing/yield</div><div class=\"t m0 xee3 h3c y660d ff1 fs1b fc3 sc0 ls0 ws0\">4<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xec5 y683f w7f6 h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">Price<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xee5 y683f w3cc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">N/A<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xee6 y683f w7a2 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">N/A<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x221 h1a y6840 ff4 fs5 fc3 sc0 ls5 ws5\">private equity investments)<span class=\"_ _3eb\"> </span></td><td></td><td></td><td class=\"c n xeb8 y6841 w78b h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Discounted cash flows<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xee7 y6841 w7a3 h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Discount rates<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xee8 y6841 w7f7 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">8.3% \u2013 20.4%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xee9 y6841 w147 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">10.1%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td></td><td></td><td class=\"c n xeb8 y6842 w7a5 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Option pricing model<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xeea y6842 w7a6 h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Equity value based on<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xeeb y6842 w7f8 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">5.7x \u2013 23.6x<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xeec y6842 w7f9 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">16.2x<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"t m0 x9cb h1a y6843 ff4 fs5 fc3 sc0 ls5 ws5\">EV/Revenue multiples<span class=\"_ _3eb\"> </span></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"t m0 x9cb h3b y6844 ff1 fs5 fc3 sc0 ls5 ws0\">Equity value based on </td><td class=\"c n xeeb y6845 w7fa h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">10.1x \u2013 10.1x<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xeed y6845 w85 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">10.1x<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"t m0 x9cb h1a y6846 ff4 fs5 fc3 sc0 ls5 ws5\">EV/EBITDA multiples<span class=\"_ _3eb\"> </span></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"t m0 x9cb h3b y6847 ff1 fs5 fc3 sc0 ls5 ws0\">Equity value based on </td><td class=\"c n xeee y6848 w7fb h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">30.2% \u2013 50.0%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xeef y6848 w7fc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">30.5%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"t m0 x9cb h1a y6849 ff4 fs5 fc3 sc0 ls5 ws5\">volatility<span class=\"_ _3eb\"> </span></td><td></td><td></td></tr><tr><td class=\"t m0 x221 h1a y684a ff4 fs5 fc3 sc0 ls5 ws5\">Derivative financial </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m0 x221 h1a y684b ff4 fs5 fc3 sc0 ls5 ws5\">instruments of which:<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x40b y684c w7ad h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Foreign exchange<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xef0 y684c w7fd h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">37<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xef1 y684c w7fe h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">8<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xef2 y684c w7ff h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Option pricing <span class=\"_ _7\"></span>model<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xef3 y684c w800 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Foreign exchange option<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xef4 y684c w801 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">10.2% \u2013 46.2%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xef5 y684c w802 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">42.0%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"t m0 x9cb h1a y684d ff4 fs5 fc3 sc0 ls5 ws5\">implied volatility<span class=\"_ _3eb\"> </span></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"c n xec5 y684e w7b0 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Interest rate curves<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xef6 y684e w803 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">3.5% \u2013 9.0%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xef7 y684e w804 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">4.2%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"c n xec5 y684f w7b3 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Foreign exchange curves<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xef8 y684f w805 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(0.03)% \u2013 34.3%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xef9 y684f w806 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">6.1%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x40b y6850 w463 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">Commodity<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xefa y6850 w2bc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xefb y6850 w41a h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xefc y6850 w78b h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Discounted cash flows<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xefd y6850 w807 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Commodity prices<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xefe y6850 w808 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">$383.0 \u2013 <span class=\"_ _7\"></span>$391.0<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xeff y6850 w809 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">$387.0<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"c n xec5 y6851 w7ba h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">CM-CM correlation<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf00 y6851 w80a h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">73.7% \u2013 97.9%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf01 y6851 w80b h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">86.0%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x40b y6852 w7bd h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Interest rate<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf02 y6852 w80c h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">80<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf03 y6852 wa2 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">23<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf04 y6852 w78b h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Discounted cash flows<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf05 y6852 w80d h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Interest rate curves<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf06 y6852 w80e h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">3.5% \u2013 43.9%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf07 y6852 w80f h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">5.1%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td></td><td></td><td class=\"c n xeb8 y6853 w7a5 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Option pricing model<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xeea y6853 w7c7 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Bond option implied<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf08 y6853 w810 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">2.3% \u2013 4.7%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf09 y6853 w811 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">3.5%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"t m0 x9cb h1a y6854 ff4 fs5 fc3 sc0 ls5 ws5\">volatility<span class=\"_ _3eb\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x40b y6855 w7c1 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">Credit<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf0a y6855 wa8 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">9<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf0b y6855 w421 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">189<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf0c y6855 w78b h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Discounted cash flows<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf0d y6855 w812 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Credit spreads<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf0e y6855 w813 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">0.1% \u2013 1.9%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf0f y6855 w539 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">0.9%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"c n xec5 y6856 w78c h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Price/yield<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf10 y6856 w814 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">4.8% \u2013 6.6%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf11 y6856 w604 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">5.5%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x40b y6857 w7ca h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Equity and stock index<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf12 y6857 w4da h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf13 y6857 w815 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">37<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf14 y6857 w816 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Internal pricing model<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf15 y6857 w7cb h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Equity-Equity correlation<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf16 y6857 w817 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">44.9% \u2013 100%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf17 y6857 wc4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">80.0%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"c n xec5 y6858 w7ce h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Equity-FX correlation<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf18 y6858 w818 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(36.4)% \u2013 48.9%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf19 y6858 w819 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">5.0%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6859 wf2 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Deposits by banks<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe93 y6859 w2bc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf1a y6859 w81a h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">371<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf1b y6859 w78b h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Discounted cash flows<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf1c y6859 w81b h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Credit spreads<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf1d y6859 w81c h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">0.2% \u2013 3.5%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf1e y6859 w81d h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">1.5%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y685a wf5 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Customer accounts<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe99 y685a w2bc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf1f y685a w598 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">2,714<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xea3 y685a w816 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Internal pricing model<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf20 y685a w7cb h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Equity-Equity correlation<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf21 y685a w81e h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">44.9% \u2013 100%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x265 y685a wc4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">80.0%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"c n xec5 y685b w7ce h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Equity-FX correlation<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf18 y685b w818 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(36.4)% \u2013 48.9%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf19 y685b w819 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">5.0%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td></td><td></td><td class=\"c n xeb8 y685c w78b h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Discounted cash flows<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xee7 y685c w7b0 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Interest rate curves<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf22 y685c w81f h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">1.4% \u2013 4.4%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf23 y685c w820 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">4.0%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"c n xec5 y685d w78c h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Price/yield<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf24 y685d w821 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">0.7% \u2013 13.0%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf25 y685d w822 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">8.5%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y685e w101 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Debt securities in issue<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xea1 y685e w2bc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf26 y685e w823 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">1,414<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf27 y685e w78b h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Discounted cash flows<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf28 y685e w812 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Credit spreads<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf29 y685e w824 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">0.05% \u2013 2.0%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf2a y685e w1bb h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">0.8%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"c n xec5 y685f w78c h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Price/yield<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xed1 y685f w825 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">6.2% \u2013 14.8%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf2b y685f w826 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">12.7%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"c n xec5 y6860 w7b0 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Interest rate curves<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf2c y6860 w827 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">3.5% \u2013 4.4%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf2d y6860 w19d h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">4.1%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td></td><td></td><td class=\"c n xeb8 y6861 w7b9 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Internal pricing model<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf2e y6861 w7cb h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Equity-Equity correlation<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf2f y6861 w817 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">44.9% \u2013 100%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf30 y6861 wc4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">80.0%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"c n xec5 y6862 w7ce h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Equity-FX correlation<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf18 y6862 w818 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(36.4)% \u2013 48.9%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf19 y6862 w819 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">5.0%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td></td><td></td><td class=\"c n xeb8 y6863 w7a5 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Option pricing model<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xeea y6863 w7c7 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Bond option implied<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xeeb y6863 w828 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">4.0% \u2013 15%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf31 y6863 w829 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">12.5%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"t m0 x9cb h1a y6864 ff4 fs5 fc3 sc0 ls5 ws5\">volatility<span class=\"_ _3eb\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x1ee y6865 w82a h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Short position<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf32 y6865 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf33 y6865 w82b h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">180<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf34 y6865 w78b h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Discounted cash flows<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf35 y6865 w7ed h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Price/yield<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf36 y6865 w82c h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">5.9% \u2013 12.7%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf37 y6865 w60e h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">6.3%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6866 w49a h203\"><div class=\"t m0 x1ed h1a y65de ff5 fs5 fc3 sc0 ls5 ws5\">Total<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf38 y6866 w82d h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">8,053<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf39 y6866 w82e h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">4,937<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td></td><td></td></tr></table></div><div class=\"t m0 hb ff1 fs7 fc3 sc0 ls7 ws7 gs507\">1 <span class=\"_ _b\"> </span><span class=\"ff4\">The ranges of values shown in the above table represent the highest and <span class=\"_ _7\"></span>lowest levels used in the valuation of the <span class=\"_ _7\"></span>Group\u2019s Level 3 financial instruments as at </span></div><div class=\"t m0 hb ff4 fs7 fc3 sc0 ls7 ws7 gs508\">31 December 2024. The ranges of values used <span class=\"_ _7\"></span>are reflective of the underlying characteristics of these <span class=\"_ _7\"></span>Level 3 financial instruments based on the market <span class=\"_ _7\"></span>conditions </div><div class=\"t m0 hb ff4 fs7 fc3 sc0 ls57 ws67 gs509\">at the balance sheet <span class=\"_ _7\"></span>date. However, these ranges <span class=\"_ _7\"></span>of values may not <span class=\"_ _7\"></span>represent the uncertainty <span class=\"_ _7\"></span>in fair value measurements <span class=\"_ _7\"></span>of the Group\u2019s Level <span class=\"_ _7\"></span>3 financial instruments.<span class=\"_ _3eb\"> </span></div><div class=\"t m0 hb ff1 fs7 fc3 sc0 ls53 ws5e gs50a\">2 <span class=\"_ _f\"> </span><span class=\"ff4\">Weighted average for non-derivative financial instruments has been calculated by weighting <span class=\"_ _7\"></span>inputs by the relative fair value. <span class=\"_ _7\"></span>Weighted average for derivatives has </span></div><div class=\"t m0 hb ff4 fs7 fc3 sc0 ls7 ws7 gs50b\">been provided by weighting inputs by the risk <span class=\"_ _7\"></span>relevant to that variable. N/A has been entered <span class=\"_ _7\"></span>for the cases where weighted average is not <span class=\"_ _7\"></span>a meaningful indicator.<span class=\"_ _3eb\"> </span></div><div class=\"t m0 hb ff1 fs7 fc3 sc0 ls7 ws7 gs50c\">3 <span class=\"_ _f\"> </span><span class=\"ff4\">The inputs for Loans and advances to customers under Discounted Cash flow technique <span class=\"_ _7\"></span>have been split to show as a separate <span class=\"_ _7\"></span>line under Comparable pricing/yield </span></div><div class=\"t m0 hb ff4 fs7 fc3 sc0 ls7 ws7 gs50d\">for better representation of material inputs.<span class=\"_ _3eb\"> </span></div><div class=\"t m0 hb ff1 fs7 fc3 sc0 ls7 ws7 gs50e\">4 <span class=\"_ _e\"> </span><span class=\"ff4\">The inputs for equity shares under Comparable pricing/yield technique have been consolidated <span class=\"_ _7\"></span>under \u2018Price\u2019 as they are not individually material.<span class=\"_ _3eb\"> </span></span></div>The following section describes the significant <span class=\"_ _7\"></span>unobservable inputs identified in the valuation technique <span class=\"_ _7\"></span>table: <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff6 ls2\">Comparable price/yield<span class=\"ff1\"> is a valuation methodology in which the price of a comparable instrument is used to estimate the<span class=\"_ _11\"></span> </span></span>fair value where there are no <span class=\"_ _7\"></span>direct observable prices. Yield is the interest <span class=\"_ _7\"></span>rate that is used to discount <span class=\"_ _7\"></span>the future cash flows in<span class=\"_ gs36\"> </span>a discounted cash flow model. Valuation <span class=\"_ _7\"></span>using comparable instruments can be done by <span class=\"_ _7\"></span>calculating an implied yield (or<span class=\"_ gs36\"> </span>spread over a liquid benchmark) from <span class=\"_ _7\"></span>the price of a comparable instrument, then <span class=\"_ _7\"></span>adjusting that yield (or spread) to derive a value for the instrument. <span class=\"_ _7\"></span>The adjustment should account for relevant differences <span class=\"_ _7\"></span>in the financial instruments such as<span class=\"_ gs36\"> </span>maturity and/or credit quality. Alternatively, a <span class=\"_ _7\"></span>price-to-price basis can be assumed between the <span class=\"_ _7\"></span>comparable instrument and the instrument being valued in <span class=\"_ _7\"></span>order to establish the value of the <span class=\"_ _7\"></span>instrument (for example, deriving a fair <span class=\"_ _7\"></span>value for a junior unsecured bond from the price <span class=\"_ _7\"></span>of a senior secured bond). An increase <span class=\"_ _7\"></span>in price, in isolation, would result <span class=\"_ _7\"></span>in a favourable movement in the fair value of <span class=\"_ _7\"></span>the asset. An increase in yield, in <span class=\"_ _7\"></span>isolation, would result in an unfavourable <span class=\"_ _7\"></span>movement in the fair<span class=\"_ gs36\"> </span>value of the asset <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff6 ls2 ws1\">Correlation<span class=\"ff4\"> is the measure of how movement in one variable influences the <span class=\"_ _7\"></span>movement in another variable. An equity </span></span>correlation is the correlation between two equity instruments, an interest rate correlation refers to the correlation between two swap rates, while commodity correlation is correlation between two commodity underlying prices <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff6 ls2\">Commodity price<span class=\"ff4 ws1\"> curves is the term structure for forward rates over a specified <span class=\"_ _7\"></span>period</span></span> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff6 ls2\">Credit spread<span class=\"ff4 ws1\"> represents the additional yield that a market participant would demand for <span class=\"_ _7\"></span>taking exposure to the Credit Risk </span></span>of an instrument <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff6 ls2\">Discount rate<span class=\"ff1\"> refers to the rate of return used to convert expected cash flows into present value<span class=\"_ _11\"></span> </span></span> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff6 ls2\">Equity-FX correlation<span class=\"ff1\"> is the correlation between equity instrument and foreign exchange instrument</span></span> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff6 ls2\">EV/EBITDA multiple<span class=\"ff4 ws1\"> is the ratio of Enterprise Value (EV) to Earnings Before Interest, <span class=\"_ _7\"></span>Taxes, Depreciation and Amortisation </span></span>(EBITDA). EV is the aggregate market <span class=\"_ _7\"></span>capitalisation and debt minus the cash and <span class=\"_ _7\"></span>cash equivalents. An increase in EV/<span class=\"_ _3eb\"> </span>EBITDA multiple will result in a favourable movement in the fair value of the unlisted firm <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff6 ls2\">EV/Revenue multiple<span class=\"ff4 ws1\"> is the ratio of Enterprise Value (EV) to Revenue. An increase <span class=\"_ _7\"></span>in EV/Revenue multiple will result in <span class=\"_ _7\"></span>a </span></span>favourable movement in the fair value of the unlisted firm <span class=\"_ _190\"></span>\u2022<span class=\"_ _71\"> </span><span class=\"ff6 ls1b\">Foreign exchange curves<span class=\"ff4 ws1a\"> is the <span class=\"_ _7\"></span>term structure for forward <span class=\"_ _1b\"></span>rates and swap rates between currency <span class=\"_ _7\"></span>pairs over a <span class=\"_ _7\"></span>specified period</span></span> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff6 ls2\">Interest rate curves<span class=\"ff1\"> is the term structure of interest rates and measures of future interest rates at a particular point in time</span></span> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff6 ls2\">Recovery rates<span class=\"ff4 ws1\"> is the expectation of the rate of return resulting from the <span class=\"_ _7\"></span>liquidation of a particular loan. As <span class=\"_ _7\"></span>the probability </span></span>of<span class=\"_ gs36\"> </span>default increases for a given instrument, <span class=\"_ _7\"></span>the valuation of that instrument will increasingly <span class=\"_ _7\"></span>reflect its expected recovery level assuming default. <span class=\"_ _1b\"></span>An increase in <span class=\"_ _7\"></span>the recovery <span class=\"_ _1b\"></span>rate, in isolation, <span class=\"_ _7\"></span>would result <span class=\"_ _1b\"></span>in a favourable <span class=\"_ _7\"></span>movement in <span class=\"_ _1b\"></span>the fair value <span class=\"_ _7\"></span>of the <span class=\"_ _1b\"></span>loan <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff6 ls2\">Repo curve<span class=\"ff1\"> is the term structure of repo rates on repos and reverse repos at a particular point in time</span></span> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff7 ls2 ws1\">Volatility<span class=\"ff4\"> represents an estimate of how much a particular instrument, parameter or <span class=\"_ _7\"></span>index will change in value over <span class=\"_ _7\"></span>time. </span></span>Generally, the higher the volatility, the <span class=\"_ _7\"></span>more expensive the option will be.<span class=\"_ _3eb\"> </span>Level 3 movement <span class=\"_ _7\"></span>tables \u2013 <span class=\"_ _7\"></span>financial assets<span class=\"_ _3eb\"> </span>The table below analyses movements in <span class=\"_ _7\"></span>Level 3 financial assets carried at fair <span class=\"_ _7\"></span>value.<span class=\"_ _3eb\"> </span><table class=\"s w82f h259\" id=\"_a487b798-4ce3-4f43-b5d7-ec79330e14b1\"><tr><td></td><td></td><td></td><td></td><td class=\"c n xf3a y6867 w830 h21e\"><div class=\"t m0 x1ed h14f y6611 ff5 fs64 fc0 sc0 ls50 ws5b\">Held at fair value through profit or loss<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td></td><td></td><td class=\"c n xf3b y6867 w831 h21e\"><div class=\"t m0 x1ed h14f y6611 ff5 fs64 fc0 sc0 ls50 ws5b\">Investment securities<span class=\"_ _3eb\"> </span></div></td><td></td></tr><tr><td></td><td></td><td></td><td class=\"t m0 xf3c h14f y6868 ff5 fs64 fc0 sc0 ls50 ws5b\">Reverse </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td class=\"t m0 xde3 h14f y6869 ff5 fs64 fc0 sc0 ls50 ws5b\">repurchase </td><td class=\"t m0 xf3d h14f y6869 ff2 fs64 fc0 sc0 ls50 ws5b\">Debt </td><td></td><td></td><td></td><td class=\"t m0 xf3e h14f y6869 ff2 fs64 fc0 sc0 ls50 ws5b\">Debt </td><td></td><td></td></tr><tr><td></td><td></td><td></td><td class=\"t m0 xf3f h14f y686a ff5 fs64 fc0 sc0 ls50 ws5b\">agreements </td><td class=\"t m0 x60e h14f y686a ff5 fs64 fc0 sc0 ls50 ws5b\">securities, </td><td></td><td></td><td></td><td class=\"t m0 x607 h14f y686a ff5 fs64 fc0 sc0 ls50 ws5b\" colspan=\"2\">securities, </td><td></td></tr><tr><td></td><td></td><td></td><td class=\"t m0 x60d h14f y686b ff5 fs64 fc0 sc0 ls50 ws5b\">and other </td><td class=\"t m0 x8bc h14f y686b ff5 fs64 fc0 sc0 ls50 ws5b\">alternative </td><td></td><td></td><td></td><td class=\"t m0 xf40 h14f y686b ff5 fs64 fc0 sc0 ls50 ws5b\" colspan=\"2\">alternative </td><td></td></tr><tr><td></td><td class=\"t m0 xf41 h14f y686c ff5 fs64 fc0 sc0 ls50 ws5b\">Loans and </td><td class=\"t m0 x60c h14f y686c ff5 fs64 fc0 sc0 ls50 ws5b\">Loans and </td><td class=\"t m0 xde9 h14f y686c ff5 fs64 fc0 sc0 ls50 ws5b\">similar </td><td class=\"t m0 xf42 h14f y686c ff2 fs64 fc0 sc0 ls50 ws0\">tier one </td><td></td><td></td><td class=\"t m0 x8b9 h14f y686c ff5 fs64 fc0 sc0 ls50 ws5b\">Derivative </td><td class=\"t m0 x545 h14f y686c ff2 fs64 fc0 sc0 ls50 ws0\">tier one </td><td></td><td></td></tr><tr><td></td><td class=\"t m0 x52a h14f y686d ff5 fs64 fc0 sc0 ls50 ws5b\">advances to </td><td class=\"t m0 xf43 h14f y686d ff5 fs64 fc0 sc0 ls50 ws5b\">advances to </td><td class=\"t m0 xf3c h14f y686d ff5 fs64 fc0 sc0 ls50 ws5b\">secured </td><td class=\"t m0 x60e h14f y686d ff5 fs64 fc0 sc0 ls50 ws5b\">and<span class=\"_ gs3f9\"> </span>other </td><td class=\"t m0 xf44 h14f y686d ff5 fs64 fc0 sc0 ls50 ws5b\">Equity<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xf45 h14f y686d ff5 fs64 fc0 sc0 ls50 ws5b\">Other<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x52d h14f y686d ff5 fs64 fc0 sc0 ls50 ws5b\">financial<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x607 h14f y686d ff5 fs64 fc0 sc0 ls50 ws5b\">and<span class=\"_ gs3f9\"> </span>other </td><td class=\"t m0 x9d4 h14f y686d ff5 fs64 fc0 sc0 ls50 ws5b\">Equity<span class=\"_ _3eb\"> </span></td><td></td></tr><tr><td></td><td class=\"t m0 xf46 h14f y686e ff2 fs64 fc0 sc0 ls50 ws5b\">banks<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xf47 h14f y686e ff5 fs64 fc0 sc0 ls50 ws5b\">customers<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xf3c h14f y686e ff5 fs64 fc0 sc0 ls50 ws5b\">lending<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x5fd h14f y686e ff5 fs64 fc0 sc0 ls50 ws5b\">eligible bills<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xf44 h14f y686e ff5 fs64 fc0 sc0 ls50 ws5b\">shares<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xf48 h14f y686e ff5 fs64 fc0 sc0 ls50 ws5b\">Assets<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xf49 h14f y686e ff5 fs64 fc0 sc0 ls50 ws5b\">instruments<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x8b5 h14f y686e ff5 fs64 fc0 sc0 ls50 ws5b\">eligible bills<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x9d4 h14f y686e ff5 fs64 fc0 sc0 ls50 ws5b\">shares<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1e9 h14f y686e ff5 fs64 fc0 sc0 ls50 ws5b\">Total<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"t m0 x221 h39 y686f ff1 fs17 fc3 sc0 ls21 ws20\">Assets<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x53e h14f y686f ff5 fs64 fc0 sc0 ls50 ws5b\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x53f h14f y686f ff5 fs64 fc0 sc0 ls50 ws5b\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xf4a h14f y686f ff5 fs64 fc0 sc0 ls50 ws5b\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x8b7 h14f y686f ff5 fs64 fc0 sc0 ls50 ws5b\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xf4b h14f y686f ff5 fs64 fc0 sc0 ls50 ws5b\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x539 h14f y686f ff5 fs64 fc0 sc0 ls50 ws5b\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1ea h14f y686f ff5 fs64 fc0 sc0 ls50 ws5b\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x9d3 h14f y686f ff5 fs64 fc0 sc0 ls50 ws5b\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xf4c h14f y686f ff5 fs64 fc0 sc0 ls50 ws5b\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xf4d h14f y686f ff5 fs64 fc0 sc0 ls50 ws5b\">$million<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c n x1ee y6870 w832 h20d\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws0\">At 1 January 2025<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf4e y6870 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf4f y6870 w833 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">1,937<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf50 y6870 w455 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">3,239<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf51 y6870 w834 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">1,593<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf52 y6870 w5c2 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">191<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf53 y6870 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf54 y6870 w6e3 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">128<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf55 y6870 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf56 y6870 w835 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">965<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf57 y6870 w836 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">8,053<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x221 hb y6871 ff4 fs7 fc3 sc0 ls7 ws7\">Total gains/(losses) recognised </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y6872 w837 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">in<span class=\"_ gs1a2\"> </span>income<span class=\"_ gs1a2\"> </span>statement<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf58 y6872 w14e h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf59 y6872 w838 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">70<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf5a y6872 w839 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">(35)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf5b y6872 w678 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">123<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf5c y6872 w6a6 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">(12)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf5d y6872 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf5e y6872 w83a h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">(14)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf5f y6872 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf60 y6872 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf61 y6872 w83b h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">132<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x40b y6873 w83c h20d\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws0\">Net trading income<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf62 y6873 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf63 y6873 w838 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">70<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf64 y6873 w839 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">(35)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf65 y6873 w678 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">123<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf66 y6873 w6a6 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">(12)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf67 y6873 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf68 y6873 w83a h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">(14)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf69 y6873 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf6a y6873 w14f h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf6b y6873 w83d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">132<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x40b y6874 w83e h20d\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws0\">Other operating income<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf6c y6874 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf6d y6874 w14e h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf6e y6874 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf6f y6874 w14e h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf70 y6874 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf71 y6874 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf72 y6874 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf73 y6874 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf74 y6874 w14f h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf75 y6874 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y6876 w83f h25a\"><div class=\"t m0 x1ed hba y6875 ff1 fs7 fc3 sc0 ls7 ws0\">Total gains recognised in<span class=\"_ _3eb\"> </span></div><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">other comprehensive income (OCI)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf76 y6876 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf77 y6876 w14e h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf78 y6876 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf79 y6876 w14e h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf7a y6876 w14e h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf7b y6876 w14f h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf7c y6876 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf7d y6876 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf7e y6876 w83b h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">321<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf7f y6876 w83b h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">321<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x40b y6877 w840 h20d\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws0\">Fair value through OCI reserve<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf80 y6877 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf81 y6877 w14e h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf82 y6877 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf83 y6877 w14e h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf84 y6877 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf85 y6877 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf86 y6877 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf87 y6877 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf88 y6877 w841 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">316<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf89 y6877 w842 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">316<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x40b y6878 w843 h20d\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws0\">Exchange difference<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf8a y6878 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf8b y6878 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf8c y6878 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf8d y6878 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf8e y6878 w14e h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf8f y6878 w14f h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf90 y6878 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf91 y6878 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf92 y6878 w68a h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">5<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf93 y6878 w844 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">5<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6879 w845 h20d\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws7\">Purchases<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf94 y6879 w846 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">299<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbb8 y6879 w847 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">3,002<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf95 y6879 w848 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">10,555<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf96 y6879 w849 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">1,980<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf97 y6879 w84a h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">169<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf98 y6879 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf99 y6879 w84b h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">162<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf9a y6879 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf9b y6879 w84c h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">31<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf9c y6879 w84d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">16,198<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y687a w84e h20d\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws7\">Sales<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf9d y687a w14e h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf9e y687a w84f h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">(1,156)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9e5 y687a w722 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">(9,021)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf9f y687a w850 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">(1,007)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfa0 y687a w851 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">(31)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfa1 y687a w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfa2 y687a w852 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">(128)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfa3 y687a w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfa4 y687a w853 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">(150)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfa5 y687a w854 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">(11,493)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y687b w855 h20d\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws7\">Settlements<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfa6 y687b w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfa7 y687b w856 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">(184)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfa8 y687b w857 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">(1,054)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfa9 y687b w858 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">(6)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfaa y687b w14e h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfab y687b w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfac y687b w859 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">(36)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x408 y687b w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfad y687b w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfae y687b w85a h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">(1,280)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y687c w85b h241\"><div class=\"t m0 x1ed hba y65a9 ff1 fs7 fc3 sc0 ls7 ws0\">Transfers out</div><div class=\"t m0 xfaf hd1 y65aa ff1 fs61 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfb0 y687d w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfb1 y687d w85c h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">(803)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfb2 y687d w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfb3 y687d w85d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">(280)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfb4 y687d w85e h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">(7)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfb5 y687d w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfb6 y687d w85f h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">(23)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfb7 y687d w14f h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfb8 y687d w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfb9 y687d w860 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">(1,113)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y687e w861 h241\"><div class=\"t m0 x1ed hba y65a9 ff1 fs7 fc3 sc0 ls7 ws0\">Transfers in</div><div class=\"t m0 xfba hd1 y65aa ff1 fs61 fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfb0 y687f w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfbb y687f w862 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">598<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfbc y687f w14e h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfbd y687f w84b h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">921<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfbe y687f w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfbf y687f w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfc0 y687f w6ec h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfc1 y687f w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfc2 y687f w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfc3 y687f w863 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">1,520<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6880 w864 h20b\"><div class=\"t m0 x1ed hb2 y65af ff5 fs7 fc3 sc0 ls7 ws7\">At 31 December 2025<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfc4 y6880 w846 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">299<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfc5 y6880 w647 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">3,464<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfc6 y6880 w64d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">3,684<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfc7 y6880 w652 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">3,324<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfc8 y6880 w54d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">310<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfc9 y6880 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfca y6880 w673 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">90<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfcb y6880 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfcc y6880 w57c h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">1,167<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfcd y6880 w865 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">12,338<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y6881 w866 h241\"><div class=\"t m0 x1ed hba y65a9 ff1 fs7 fc3 sc0 ls7 ws0\">Recognised in the income statement</div><div class=\"t m0 xfce hd1 y65aa ff1 fs61 fc3 sc0 ls0 ws0\">3<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfb0 y6882 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfcf y6882 w858 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">(9)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfd0 y6882 w5c2 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">(3)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfd1 y6882 w867 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">5<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfd2 y6882 w868 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">(29)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfd3 y6882 w14f h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfd4 y6882 w14f h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfd5 y6882 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfd6 y6882 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfd7 y6882 w859 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">(36)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6883 w869 h212\"><div class=\"t m0 x1ed hb y659e ff1 fs7 fc3 sc0 ls7 ws0\">At 1 January 2024<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfd8 y6883 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfd9 y6883 w86a h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">1,960<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfda y6883 w64e h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">2,363<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfdb y6883 w86b h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">1,262<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfdc y6883 w83b h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">184<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfdd y6883 w65b h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">6<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfde y6883 w687 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">80<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfdf y6883 w685 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">72<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfe0 y6883 w86c h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">787<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfe1 y6883 w195 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">6,714<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x221 hb y6884 ff4 fs7 fc3 sc0 ls7 ws7\">Total (losses)/gains recognised </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y6885 w837 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">in<span class=\"_ gs1a2\"> </span>income<span class=\"_ gs1a2\"> </span>statement<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfe2 y6885 w175 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">(1)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfe3 y6885 w86d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">8<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfe4 y6885 w67e h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">73<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfe5 y6885 w86e h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">(114)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfe6 y6885 w86f h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">(15)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfe7 y6885 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfe8 y6885 w181 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">(57)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfe9 y6885 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfea y6885 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfeb y6885 w870 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">(106)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x40b y6886 w83c h212\"><div class=\"t m0 x1ed hb y659e ff1 fs7 fc3 sc0 ls7 ws0\">Net trading income<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfec y6886 w175 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">(1)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfed y6886 w86d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">8<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfee y6886 w871 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">73<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfef y6886 w872 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">(56)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xff0 y6886 w86f h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">(15)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xff1 y6886 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xff2 y6886 w873 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">(57)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xff3 y6886 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xff4 y6886 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xff5 y6886 w874 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">(48)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x40b y6887 w83e h212\"><div class=\"t m0 x1ed hb y659e ff1 fs7 fc3 sc0 ls7 ws0\">Other operating income<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf6c y6887 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf6d y6887 w14e h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf6e y6887 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xff6 y6887 w875 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">(58)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xff7 y6887 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xff8 y6887 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xff9 y6887 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xffa y6887 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xffb y6887 w14f h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xffc y6887 w875 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">(58)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x221 hb y6888 ff4 fs7 fc3 sc0 ls7 ws7\">Total (losses)/gains recognised </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y6889 w876 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">in<span class=\"_ gs1a2\"> </span>other<span class=\"_ gs1a2\"> </span>comprehensive income (OCI)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xffd y6889 w14e h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xffe y6889 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfff y6889 w14e h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1000 y6889 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1001 y6889 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1002 y6889 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1003 y6889 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1004 y6889 wb8 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">(11)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1005 y6889 w877 h212\"><div class=\"t m0 x1ed hb y659e ff1 fs7 fc3 sc0 ls7 ws7\">50<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1006 y6889 w878 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">39<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x40b y688a w840 h212\"><div class=\"t m0 x1ed hb y659e ff1 fs7 fc3 sc0 ls7 ws0\">Fair value through OCI reserve<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf80 y688a w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf81 y688a w14e h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf82 y688a w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf83 y688a w14e h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf84 y688a w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf85 y688a w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf86 y688a w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf87 y688a w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1007 y688a w879 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">74<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1008 y688a w879 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">74<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x40b y688b w843 h212\"><div class=\"t m0 x1ed hb y659e ff1 fs7 fc3 sc0 ls7 ws0\">Exchange difference<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf8a y688b w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf8b y688b w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf8c y688b w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf8d y688b w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf8e y688b w14e h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf8f y688b w14f h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf90 y688b w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1009 y688b w87a h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">(11)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x100a y688b w87b h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">(24)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x100b y688b w87c h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">(35)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y688c w845 h212\"><div class=\"t m0 x1ed hb y659e ff1 fs7 fc3 sc0 ls7 ws7\">Purchases<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x100c y688c w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x100d y688c w87d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">1,853<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x100e y688c w87e h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">6,161<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x100f y688c w87f h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">1,337<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1010 y688c w880 h212\"><div class=\"t m0 x1ed hb y659e ff1 fs7 fc3 sc0 ls7 ws7\">24<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1011 y688c w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1012 y688c w881 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">227<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x408 y688c w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1013 y688c w882 h212\"><div class=\"t m0 x1ed hb y659e ff1 fs7 fc3 sc0 ls7 ws7\">145<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1014 y688c w883 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">9,747<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y688d w84e h212\"><div class=\"t m0 x1ed hb y659e ff1 fs7 fc3 sc0 ls7 ws7\">Sales<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf9d y688d w14e h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1015 y688d w498 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">(2,062)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1016 y688d w884 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">(4,716)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1017 y688d w885 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">(907)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1018 y688d w5d2 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">(2)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1019 y688d w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x101a y688d w870 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">(160)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x101b y688d w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x101c y688d w68c h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">(19)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x101d y688d w886 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">(7,866)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y688e w855 h212\"><div class=\"t m0 x1ed hb y659e ff1 fs7 fc3 sc0 ls7 ws7\">Settlements<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x101e y688e w637 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">(7)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x101f y688e w87b h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">(42)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1020 y688e w887 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">(782)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1021 y688e w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1022 y688e w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1023 y688e w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1024 y688e w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1025 y688e w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1026 y688e w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x75e y688e w777 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">(831)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y6747 w85b h241\"><div class=\"t m0 x1ed hba y65a9 ff1 fs7 fc3 sc0 ls7 ws0\">Transfers out</div><div class=\"t m0 xfaf hd1 y65aa ff1 fs61 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1027 y688f w888 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">(13)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1028 y688f w587 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">(263)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1029 y688f w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x102a y688f w175 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">(1)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x102b y688f w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x102c y688f w889 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">(6)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x102d y688f w88a h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">(1)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x102e y688f w68c h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">(61)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x102f y688f w5d2 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">(2)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1030 y688f w88b h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">(347)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y6748 w861 h241\"><div class=\"t m0 x1ed hba y65a9 ff1 fs7 fc3 sc0 ls7 ws0\">Transfers in</div><div class=\"t m0 xfba hd1 y65aa ff1 fs61 fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1031 y6890 w88c h212\"><div class=\"t m0 x1ed hb y659e ff1 fs7 fc3 sc0 ls7 ws7\">21<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1032 y6890 w88d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">483<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1033 y6890 w67c h212\"><div class=\"t m0 x1ed hb y659e ff1 fs7 fc3 sc0 ls7 ws7\">140<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1034 y6890 w88e h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">16<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1035 y6890 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1036 y6890 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1037 y6890 w88f h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">39<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1038 y6890 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1039 y6890 w890 h212\"><div class=\"t m0 x1ed hb y659e ff1 fs7 fc3 sc0 ls0 ws0\">4<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x103a y6890 w891 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">703<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6891 w892 h20b\"><div class=\"t m0 x1ed hb y659e ff5 fs7 fc3 sc0 ls7 ws7\">At 31 December 2024<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf58 y6891 w14e h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x103b y6891 w649 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">1,937<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x103c y6891 w893 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">3,239<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x103d y6891 w894 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">1,593<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x103e y6891 w66f h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">191<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x103f y6891 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1040 y6891 w895 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">128<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1041 y6891 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1042 y6891 w6ae h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">965<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1043 y6891 w896 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">8,053<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y674a w866 h241\"><div class=\"t m0 x1ed hba y65a9 ff1 fs7 fc3 sc0 ls7 ws0\">Recognised in the income statement</div><div class=\"t m0 xfce hd1 y65aa ff1 fs61 fc3 sc0 ls0 ws0\">3<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfb0 y6892 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1044 y6892 w897 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">7<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1045 y6892 w6f0 h212\"><div class=\"t m0 x1ed hb y659e ff1 fs7 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1046 y6892 w176 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">7<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1047 y6892 w898 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">(13)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1048 y6892 w14f h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1049 y6892 w889 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">(9)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x104a y6892 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x104b y6892 w14d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x104c y6892 w637 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">(7)<span class=\"_ _3eb\"> </span></div></td></tr></table>1 <span class=\"_ _b\"> </span><span class=\"ff4\">Transfers out includes loans and advances, debt securities, alternative tier one and other <span class=\"_ _7\"></span>eligible bills, equity shares, other assets and derivative <span class=\"_ _7\"></span>financial </span>instruments where the valuation parameters became observable during <span class=\"_ _7\"></span>the period and were transferred to Level 1 <span class=\"_ _7\"></span>and Level 2.<span class=\"_ _3eb\"> </span>2 <span class=\"_ _f\"> </span><span class=\"ff4\">Transfers in primarily relate to loans and advances, repurchase agreements, debt securities, <span class=\"_ _7\"></span>alternative tier one and other eligible bills, equity <span class=\"_ _7\"></span>shares and derivative </span>financial instruments where the valuation parameters become unobservable <span class=\"_ _7\"></span>during the year.<span class=\"_ _3eb\"> </span>3 <span class=\"_ _f\"> </span><span class=\"ff4\">Represents Total unrealised (losses)/gains recognised in the income statement, within net trading income, <span class=\"_ _7\"></span>relating to change in fair value of assets.<span class=\"_ _3eb\"> </span></span>Level 3 movement <span class=\"_ _7\"></span>tables \u2013 <span class=\"_ _7\"></span>financial liabilities<span class=\"_ _3eb\"> </span><table class=\"s w899 h25b\" id=\"_5be77728-0ccd-4a99-971b-7e1804cfa12a\"><tr><td></td><td></td><td></td><td class=\"t m0 x104d h38 y6893 ff2 fs17 fc0 sc0 ls21 ws20\">Debt<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x6c3 h38 y6893 ff5 fs17 fc0 sc0 ls21 ws20\">Derivative<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"t m0 x104e h38 y6894 ff2 fs17 fc0 sc0 ls21 ws20\">Deposits<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x104f h38 y6894 ff5 fs17 fc0 sc0 ls21 ws20\">Customer </td><td class=\"t m0 x1050 h38 y6894 ff5 fs17 fc0 sc0 ls21 ws20\">securities<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1051 h38 y6894 ff5 fs17 fc0 sc0 ls21 ws20\">financial<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xadd h38 y6894 ff5 fs17 fc0 sc0 ls21 ws20\">Short<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x2dc h38 y6894 ff5 fs17 fc0 sc0 ls21 ws20\">Other<span class=\"_ _3eb\"> </span></td><td></td></tr><tr><td></td><td class=\"t m0 x2eb h38 y6895 ff5 fs17 fc0 sc0 ls21 ws20\">by<span class=\"_ gs40f\"> </span>banks<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1052 h38 y6895 ff2 fs17 fc0 sc0 ls21 ws20\">accounts<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x2d9 h38 y6895 ff2 fs17 fc0 sc0 ls21 ws0\">in issue<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xc2d h38 y6895 ff5 fs17 fc0 sc0 ls21 ws20\">instruments<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1053 h38 y6895 ff5 fs17 fc0 sc0 ls21 ws20\">positions<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1054 h38 y6895 ff5 fs17 fc0 sc0 ls21 ws20\">liabilities<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x96f h38 y6895 ff5 fs17 fc0 sc0 ls21 ws20\">Total<span class=\"_ _3eb\"> </span></td></tr><tr><td></td><td class=\"t m0 x2d5 h38 y6896 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x2f7 h38 y6896 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x2c9 h38 y6896 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x4be h38 y6896 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x2fa h38 y6896 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x233 h38 y6896 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x4c2 h38 y6896 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c n x1ee y6897 w89a h1fe\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">At 1 January 2025<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1055 y6897 w8a h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">371<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1056 y6897 w89b h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">2,714<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1057 y6897 w89c h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">1,414<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1058 y6897 w89d h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">258<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1059 y6897 w89e h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">180<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x105a y6897 w1cf h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x105b y6897 w89f h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">4,937<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x235 h1a y6898 ff4 fs5 fc3 sc0 ls5 ws5\">Total losses/(gains) </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m0 x235 h3b y6899 ff1 fs5 fc3 sc0 ls5 ws0\">recognised in income </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m0 x235 h1a y689a ff4 fs5 fc3 sc0 ls5 ws5\">statement \u2013 net </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y689b w8a0 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">trading<span class=\"_ gs1a1\"> </span>income<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x105c y689b w27b h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">98<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x105d y689b w8a1 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(269)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x105e y689b w8a2 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">60<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x105f y689b w8a3 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">8<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1060 y689b w45d h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">3<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1061 y689b w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1062 y689b w8a4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(100)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y689c w319 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">Issues<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1063 y689c w8a5 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">298<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1064 y689c w231 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">5,410<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1065 y689c w241 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">2,114<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1066 y689c w8a6 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">538<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1067 y689c w1cf h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1068 y689c w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1069 y689c w8a7 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">8,360<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y689d w8a8 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">Settlements<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x106a y689d w8a9 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(538)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x106b y689d w8aa h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(3,790)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x106c y689d w8ab h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(2,462)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x106d y689d w8ac h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(566)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x106e y689d w8ad h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(107)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x106f y689d w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1070 y689d w8ae h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(7,463)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y689e w8af h220\"><div class=\"t m0 x1ed h3b y6600 ff1 fs5 fc3 sc0 ls5 ws0\">Transfers out</div><div class=\"t m0 xe47 h3c y6601 ff1 fs1b fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1071 y689f w2bc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1072 y689f w8b0 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(650)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1073 y689f w8b1 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(58)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1074 y689f w4ab h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(30)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1075 y689f w1cf h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1076 y689f w1cf h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1077 y689f w4e9 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(738)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y68a0 w8b2 h220\"><div class=\"t m0 x1ed h3b y6600 ff1 fs5 fc3 sc0 ls5 ws0\">Transfers in</div><div class=\"t m0 x1078 h3c y6601 ff1 fs1b fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1079 y68a1 w8b3 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">40<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x107a y68a1 w8b4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">63<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x107b y68a1 w473 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">16<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x107c y68a1 w8b5 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">18<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x107d y68a1 w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x107e y68a1 w1cf h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x107f y68a1 w8a h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">137<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y661f w8b6 h201\"><div class=\"t m0 x1ed h3d y6548 ff5 fs5 fc3 sc0 ls5 ws5\">At 31 December 2025<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1080 y661f w397 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">269<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1081 y661f w886 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">3,478<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1082 y661f w71 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">1,084<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1083 y661f w8b7 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">226<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1084 y661f w8b8 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">76<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x946 y661f w1cf h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1085 y661f w7dd h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">5,133<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x235 h3b y68a2 ff1 fs5 fc3 sc0 ls5 ws0\">Recognised in the income </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1ee y68a3 w8b9 h25c\"><div class=\"t m0 x1ed h3b y6600 ff1 fs5 fc3 sc0 ls5 ws5\">statement</div><div class=\"t m0 x1086 h3c y667e ff1 fs1b fc3 sc0 ls0 ws0\">3<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1071 y6621 w45d h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">3<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1087 y6621 w2f0 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1088 y6621 w2f0 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1089 y6621 w8ba h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(9)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x108a y6621 w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x108b y6621 w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x108c y6621 w4a9 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(2)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y68a4 w8bb h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">At 1 January 2024<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x108d y68a4 w2bf h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">334<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x108e y68a4 w8bc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">1,278<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x108f y68a4 w1f4 h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">1,041<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1090 y68a4 w4ce h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">196<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1091 y68a4 w26f h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">103<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1092 y68a4 w5e h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">8<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1093 y68a4 w8bd h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">2,960<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x235 h1a y68a5 ff4 fs5 fc3 sc0 ls5 ws5\">Total losses/(gains) </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m0 x235 h3b y68a6 ff1 fs5 fc3 sc0 ls5 ws0\">recognised in income </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m0 x235 h1a y68a7 ff4 fs5 fc3 sc0 ls5 ws5\">statement \u2013 net </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y65f3 w8a0 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">trading<span class=\"_ gs1a1\"> </span>income<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1094 y65f3 w475 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">49<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1095 y65f3 w8be h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(27)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1096 y65f3 w8bf h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">48<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1097 y65f3 w4c8 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(6)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1098 y65f3 w32 h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls0 ws0\">3<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1099 y65f3 w75 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(8)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x109a y65f3 w1e6 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">59<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y68a8 w319 h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">Issues<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x109b y68a8 w46e h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">388<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x109c y68a8 w8c0 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">3,068<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x109d y68a8 w8c1 h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">4,244<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x109e y68a8 w40d h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">507<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x109f y68a8 w8c2 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">177<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x941 y68a8 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10a0 y68a8 w8c3 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">8,384<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y68a9 w8a8 h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">Settlements<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xedb y68a9 w751 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(400)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10a1 y68a9 w6e h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(1,627)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10a2 y68a9 w8c4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(2,795)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10a3 y68a9 w1f3 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(438)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10a4 y68a9 w35b h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(103)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10a5 y68a9 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10a6 y68a9 w8c5 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(5,363)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y68aa w8af h25c\"><div class=\"t m0 x1ed h3b y6600 ff1 fs5 fc3 sc0 ls5 ws0\">Transfers out</div><div class=\"t m0 xe47 h3c y667e ff1 fs1b fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1071 y68ab w2bc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10a7 y68ab w8c6 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(26)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10a8 y68ab w8c7 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(1,194)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10a9 y68ab w47e h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(7)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10aa y68ab w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10ab y68ab w1cf h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10ac y68ab w8c8 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(1,227)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y68ac w8b2 h220\"><div class=\"t m0 x1ed h3b y6600 ff1 fs5 fc3 sc0 ls5 ws0\">Transfers in</div><div class=\"t m0 x1078 h3c y6601 ff1 fs1b fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1071 y65f7 w2bc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10ad y65f7 w8bf h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">48<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10ae y65f7 w8c9 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">70<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10af y65f7 w44 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">6<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10b0 y65f7 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10b1 y65f7 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10b2 y65f7 w8ca h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">124<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y68ad w8cb h203\"><div class=\"t m0 x1ed h1a y65de ff5 fs5 fc3 sc0 ls5 ws5\">At 31 December 2024<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10b3 y68ad w81a h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">371<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10b4 y68ad w598 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">2,714<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10b5 y68ad w8cc h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">1,414<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10b6 y68ad w8cd h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">258<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10b7 y68ad w67 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">180<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10b8 y68ad w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd98 y68ad we5 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">4,937<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x235 h3b y68ae ff1 fs5 fc3 sc0 ls5 ws0\">Recognised in the income </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1ee y68af w8b9 h21c\"><div class=\"t m0 x1ed h3b y6600 ff1 fs5 fc3 sc0 ls5 ws5\">statement</div><div class=\"t m0 x1086 h3c y6601 ff1 fs1b fc3 sc0 ls0 ws0\">3<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10b9 y6567 w73 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">29<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10ba y6567 w40 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls0 ws0\">5<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10bb y6567 w4da h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10bc y6567 w8ce h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(13)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10bd y6567 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10be y6567 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10bf y6567 wa2 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">23<span class=\"_ _3eb\"> </span></div></td></tr></table>1 <span class=\"_ _b\"> </span><span class=\"ff4\">Transfers out during the year primarily relate to customer accounts, debt securities in <span class=\"_ _7\"></span>issue and derivative financial instruments where the valuation <span class=\"_ _7\"></span>parameters </span>became observable during the year and were transferred <span class=\"_ _7\"></span>to Level 2 financial liabilities.<span class=\"_ _3eb\"> </span>2 <span class=\"_ _f\"> </span><span class=\"ff4\">Transfers in during the year primarily relate to customer accounts, debt securities <span class=\"_ _7\"></span>in issue and derivative financial instruments where the <span class=\"_ _7\"></span>valuation parameters </span>become unobservable during the year.<span class=\"_ _3eb\"> </span>3 <span class=\"_ _f\"> </span><span class=\"ff4\">Represents Total unrealised losses/(gains) recognised in the income statement, within net trading income, <span class=\"_ _7\"></span>relating to change in fair value of liabilities<span class=\"_ _3eb\"> </span></span><span class=\"ff4\">.<span class=\"_ _3eb\"> </span></span>Sensitivities in respect <span class=\"_ _7\"></span>of the <span class=\"_ _7\"></span>fair values of <span class=\"_ _7\"></span>Level 3 <span class=\"_ _7\"></span>assets and liabilities<span class=\"_ _3eb\"> </span>Sensitivity analysis is performed on products <span class=\"_ _7\"></span>with significant unobservable inputs. The Group applies <span class=\"_ _7\"></span>a 10 per cent increase or<span class=\"_ gs36\"> </span>decrease on the values of these <span class=\"_ _7\"></span>unobservable inputs, to generate a range of <span class=\"_ _7\"></span>reasonably possible alternative valuations. The<span class=\"_ gs36\"> </span>percentage shift is determined by statistical <span class=\"_ _7\"></span>analysis performed on a set of reference <span class=\"_ _7\"></span>prices based on the composition of<span class=\"_ gs36\"> </span>the Group\u2019s Level 3 inventory as <span class=\"_ _7\"></span>the measurement date. Favourable and unfavourable changes <span class=\"_ _7\"></span>(which show the balance adjusted for input change) are determined <span class=\"_ _7\"></span>on the basis of changes in the <span class=\"_ _7\"></span>value of the instrument as a <span class=\"_ _7\"></span>result of varying the levels<span class=\"_ gs36\"> </span>of the unobservable parameters. The Level <span class=\"_ _7\"></span>3 sensitivity analysis assumes a one-way market <span class=\"_ _7\"></span>move and does not consider offsets for hedges.<span class=\"_ _3eb\"> </span><table class=\"s w8cf h25d\" id=\"_d97368e6-7180-4f4a-89bb-7dc345a82ea6\"><tr><td></td><td></td><td></td><td class=\"c n x10c0 y68b0 w8d0 h215\"><div class=\"t m0 x1ed h38 y6563 ff5 fs17 fc0 sc0 ls21 ws20\">Held at fair value through profit or loss<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td class=\"c n x10c1 y68b0 w8d1 h215\"><div class=\"t m0 x1ed h38 y6563 ff5 fs17 fc0 sc0 ls21 ws20\">Fair value through other comprehensive income<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td></td><td class=\"t m0 x10c2 h38 y68b1 ff5 fs17 fc0 sc0 ls21 ws20\">Favourable </td><td class=\"t m0 x60f h38 y68b1 ff5 fs17 fc0 sc0 ls21 ws20\">Unfavourable </td><td></td><td class=\"t m0 x10c3 h38 y68b1 ff5 fs17 fc0 sc0 ls21 ws20\">Favourable </td><td class=\"t m0 x10c4 h38 y68b1 ff5 fs17 fc0 sc0 ls21 ws20\">Unfavourable </td></tr><tr><td></td><td class=\"t m0 x5ff h38 y68b2 ff5 fs17 fc0 sc0 ls21 ws20\">Net exposure<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x5fd h38 y68b2 ff5 fs17 fc0 sc0 ls21 ws20\">changes<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x10c5 h38 y68b2 ff5 fs17 fc0 sc0 ls21 ws20\">changes<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x10c6 h38 y68b2 ff5 fs17 fc0 sc0 ls21 ws20\">Net exposure<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x10c7 h38 y68b2 ff5 fs17 fc0 sc0 ls21 ws20\">changes<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x10c8 h38 y68b2 ff5 fs17 fc0 sc0 ls21 ws20\">changes<span class=\"_ _3eb\"> </span></td></tr><tr><td></td><td class=\"t m0 x8f9 h38 y68b3 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x8bc h38 y68b3 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x404 h38 y68b3 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x405 h38 y68b3 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1eb h38 y68b3 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1ec h38 y68b3 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"t m0 x221 h8 y68b4 ff5 fs5 fc3 sc0 ls5 ws5\">Financial instruments held at fair value<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y68b5 w8d2 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Loans and advances<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10c9 y68b5 w8d3 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">3,763<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10ca y68b5 w8d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">3,854<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10cb y68b5 w8d5 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">3,650<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10cc y68b5 w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10cd y68b5 w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10ce y68b5 w1cf h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x221 h3b y68b6 ff1 fs5 fc3 sc0 ls5 ws0\">Reverse Repurchase agreements </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y68b7 w8d6 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">and<span class=\"_ gs1a1\"> </span>other similar secured lending<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10cf y68b7 w799 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">3,684<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10d0 y68b7 w2cc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">3,782<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10d1 y68b7 w8d7 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">3,598<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10d2 y68b7 w1cf h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8e8 y68b7 w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10d3 y68b7 w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x221 h1a y68b8 ff4 fs5 fc3 sc0 ls5 ws5\">Debt securities, alternative tier one </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y68b9 w8d8 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">and<span class=\"_ gs1a1\"> </span>other eligible bills<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10d4 y68b9 w35f h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">3,324<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10d5 y68b9 w69 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">3,384<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10d6 y68b9 w8d9 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">3,267<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10d7 y68b9 w1cf h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10d8 y68b9 w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10d9 y68b9 w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y68ba w8da h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Equity shares<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10da y68ba w314 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">310<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10db y68ba w8db h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">343<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10dc y68ba w8dc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">277<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10dd y68ba w8dd h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">1,167<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10de y68ba w8ad h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">1,284<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10df y68ba w8de h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">1,050<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y68bb wc5 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">Derivative financial instruments<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10e0 y68bb wb7 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(136)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10e1 y68bb w8df h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(111)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10e2 y68bb w1d8 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(161)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10e3 y68bb w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10e4 y68bb w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10e5 y68bb w1cf h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y68bc wf5 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Customer accounts<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10e6 y68bc w8e0 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(3,478)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10e7 y68bc w8e1 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(3,395)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10e8 y68bc w8e2 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(3,566)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10e9 y68bc w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10ea y68bc w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10eb y68bc w1cf h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y68bd wf2 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Deposits by banks<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10ec y68bd w8a1 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(269)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10ed y68bd w231 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(257)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10ee y68bd w8a4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(282)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10ef y68bd w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10f0 y68bd w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10f1 y68bd w1cf h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y68be w5b5 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">Short positions<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10f2 y68be w8e3 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(76)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10f3 y68be w484 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(75)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10f4 y68be w8e4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(77)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10f5 y68be w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10f6 y68be w1cf h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10f7 y68be w1cf h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y68bf w101 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">Debt securities in issue<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10f8 y68bf w1d2 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(1,084)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10f9 y68bf w8e5 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(1,007)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10d6 y68bf w768 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(1,161)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10fa y68bf w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10fb y68bf w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10fc y68bf w1cf h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y68c0 w8b6 h201\"><div class=\"t m0 x1ed h3d y6548 ff5 fs5 fc3 sc0 ls5 ws5\">At 31 December 2025<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10fd y68c0 w8e6 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">6,038<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10fe y68c0 wb6 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">6,518<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10ff y68c0 w5a4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">5,545<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1100 y68c0 w8e7 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">1,167<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1101 y68c0 w8e8 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">1,284<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1102 y68c0 w4b7 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">1,050<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x221 h8 y68c1 ff5 fs5 fc3 sc0 ls5 ws5\">Financial instruments held at fair value </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y65ef w8d2 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Loans and advances<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1103 y65ef w322 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">1,937<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1104 y65ef w8e9 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">1,985<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1105 y65ef w8ea h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">1,862<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbaa y65ef w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1106 y65ef w1cf h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1107 y65ef w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x221 h3b y68c2 ff1 fs5 fc3 sc0 ls5 ws0\">Reverse Repurchase agreements </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y68c3 w8d6 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">and<span class=\"_ gs1a1\"> </span>other similar secured lending<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1108 y68c3 w8eb h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">3,239<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1109 y68c3 w8ec h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">3,339<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x110a y68c3 w444 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">3,138<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x110b y68c3 w1cf h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x110c y68c3 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x110d y68c3 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x221 h1a y68c4 ff4 fs5 fc3 sc0 ls5 ws5\">Debt securities, alternative tier one </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y6574 w8d8 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">and<span class=\"_ gs1a1\"> </span>other eligible bills<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x110e y6574 w551 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">1,593<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x110f y6574 w29a h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">1,643<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1110 y6574 w5c9 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">1,542<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1111 y6574 w1cf h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1112 y6574 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1113 y6574 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6560 w8da h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Equity shares<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1114 y6560 w8ed h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">191<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1115 y6560 w8ee h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">210<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1116 y6560 w8ef h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">172<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1117 y6560 w3f2 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">965<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1118 y6560 w8f0 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">1,032<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1119 y6560 w8f1 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">888<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6575 wc5 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Derivative financial instruments<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x111a y6575 w35b h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(130)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x111b y6575 w8f2 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(115)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x111c y6575 w3be h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(147)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x111d y6575 w1cf h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x111e y6575 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x111f y6575 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y658d wf5 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Customer accounts<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1120 y658d w8f3 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(2,714)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1121 y658d w249 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(2,540)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1122 y658d w8f4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(2,883)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1123 y658d w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1124 y658d w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1125 y658d w1cf h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y658e wf2 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Deposits by banks<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xda3 y658e w1ca h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(371)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1126 y658e w1ca h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(371)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1127 y658e w1ca h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(371)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10d7 y658e w1cf h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10d8 y658e w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10d9 y658e w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6659 w5b5 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Short positions<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1128 y6659 w8f5 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(180)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1129 y6659 w29a h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(178)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x112a y6659 w8f6 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(182)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10e3 y6659 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10e4 y6659 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10e5 y6659 w1cf h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6566 w101 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Debt securities in issue<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x112b y6566 w8f7 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(1,414)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x112c y6566 w8f8 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(1,352)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9de y6566 w8f9 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(1,476)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x956 y6566 w1cf h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x112d y6566 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbe0 y6566 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6567 w8cb h203\"><div class=\"t m0 x1ed h1a y65de ff5 fs5 fc3 sc0 ls5 ws5\">At 31 December 2024<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x112e y6567 w8fa h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">2,151<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x112f y6567 w8fb h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">2,621<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1130 y6567 w350 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">1,655<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1059 y6567 w3f2 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">965<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1131 y6567 w8fc h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">1,032<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1132 y6567 w8f1 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">888<span class=\"_ _3eb\"> </span></div></td></tr></table>The reasonably possible alternatives could have <span class=\"_ _7\"></span>increased or decreased the fair values of <span class=\"_ _7\"></span>financial instruments held at fair value through profit or loss and those <span class=\"_ _7\"></span>classified as fair value through other comprehensive <span class=\"_ _7\"></span>income by the amounts disclosed below.<span class=\"_ _3eb\"> </span><table class=\"s w8fd h25e\" id=\"_2881217d-6ac2-4d95-8912-a149ec67ee6c\"><tr><td></td><td></td><td class=\"t m0 x405 h38 y68c5 ff5 fs17 fc0 sc0 ls21 ws20\">Fair value changes<span class=\"_ _3eb\"> </span></td><td></td><td></td></tr><tr><td></td><td class=\"c n x1133 y68c6 w8fe h204\"><div class=\"t m0 x1ed h38 y6563 ff5 fs17 fc0 sc0 ls21 ws20\">Possible increase<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n x1134 y68c6 w8ff h204\"><div class=\"t m0 x1ed h38 y6563 ff5 fs17 fc0 sc0 ls21 ws20\">Possible decrease<span class=\"_ _3eb\"> </span></div></td><td></td></tr><tr><td></td><td class=\"t m0 x3ff h38 y68c7 ff5 fs17 fc0 sc0 ls21 ws20\">2025<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x544 h38 y68c7 ff5 fs17 fc0 sc0 ls21 ws20\">2024<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1e8 h38 y68c7 ff5 fs17 fc0 sc0 ls21 ws20\">2025<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1e9 h38 y68c7 ff5 fs17 fc0 sc0 ls21 ws20\">2024<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"t m0 x221 h38 y68c8 ff5 fs17 fc3 sc0 ls21 ws20\">Financial instruments<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x404 h38 y68c8 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x405 h38 y68c8 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1eb h38 y68c8 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1ec h38 y68c8 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c n x1ee y68c9 w900 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Held at fair value through profit or loss<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1135 y68c9 w270 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">480<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1136 y68c9 w901 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">470<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1131 y68c9 w184 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(493)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1137 y68c9 w902 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(496)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y68ca w903 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Fair value through other comprehensive income<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1138 y68ca w6d4 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">117<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1139 y68ca w96 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">67<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x113a y68ca w3b4 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(117)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x113b y68ca w109 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(77)<span class=\"_ _3eb\"> </span></div></td></tr></table>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfFairValueMeasurementExplanatory",
    "language": "en",
    "entity": "scheme:U4LOSYZ7YG4W3S5F2G91",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-695": {
   "value": "14. Derivative financial <span class=\"_ _1b\"></span>instruments<span class=\"_ _3eb\"> </span>Accounting policy<span class=\"_ _3eb\"> </span>Fair values may be obtained from quoted market prices in active markets, recent market transactions, and valuation techniques, including discounted cash flow models <span class=\"_ _7\"></span>and option pricing models, as appropriate. Where <span class=\"_ _7\"></span>the initially recognised fair value of a derivative contract <span class=\"_ _7\"></span>is based on a valuation model that <span class=\"_ _7\"></span>uses inputs which are not observable <span class=\"_ _7\"></span>in the market, it<span class=\"_ gs36\"> </span>follows the same initial recognition accounting <span class=\"_ _7\"></span>policy as for other financial assets and <span class=\"_ _7\"></span>liabilities. All derivatives are carried as assets when fair value is <span class=\"_ _7\"></span>positive and as liabilities when fair value <span class=\"_ _7\"></span>is negative.<span class=\"_ _3eb\"> </span>Hedge accounting<span class=\"_ _3eb\"> </span>Under certain conditions, the Group may <span class=\"_ _7\"></span>designate a recognised asset or liability, a <span class=\"_ _7\"></span>firm commitment, highly probable forecast transaction or net investment of <span class=\"_ _7\"></span>a foreign operation into a formal hedge <span class=\"_ _7\"></span>accounting relationship with a derivative that has been entered to manage <span class=\"_ _7\"></span>interest rate and/or foreign exchange risks present <span class=\"_ _7\"></span>in the hedged item. The Group <span class=\"_ _7\"></span>has elected to continue applying IAS 39 <span class=\"_ _7\"></span>for hedge accounting.<span class=\"_ _3eb\"> </span>There are three categories of hedge <span class=\"_ _7\"></span>relationships: <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">Fair value hedge: to manage the fair value of interest rate and/or <span class=\"_ _7\"></span>foreign currency risks of recognised assets <span class=\"_ _7\"></span>or liabilities </span>or<span class=\"_ gs36\"> </span>firm commitments <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">Cash flow hedge: to manage interest rate or foreign exchange risk of <span class=\"_ _7\"></span>highly probable future cash flows attributable </span>to<span class=\"_ gs36\"> </span>a<span class=\"_ gs36\"> </span>recognised asset or liability, or a <span class=\"_ _7\"></span>forecasted transaction <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">Net investment hedge: to manage the structural foreign exchange risk of an <span class=\"_ _7\"></span>investment in a foreign operation<span class=\"_ _3eb\"> </span></span>The Group assesses, both at hedge <span class=\"_ _7\"></span>inception and on a quarterly basis, whether <span class=\"_ _7\"></span>the derivatives designated in hedge relationships are highly effective in offsetting <span class=\"_ _7\"></span>changes in fair values or cash flows <span class=\"_ _7\"></span>of hedged items. Hedges are considered to<span class=\"_ gs36\"> </span>be highly effective if all the <span class=\"_ _7\"></span>following criteria are met: <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">At inception of the hedge and throughout its life, the hedge is <span class=\"_ _7\"></span>prospectively expected to be highly effective <span class=\"_ _7\"></span>in achieving </span>offsetting changes in fair value or cash flows attributable to the hedged risk <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">Prospective and retrospective effectiveness of the hedge should be within a range <span class=\"_ _7\"></span>of 80\u2013125%. This is tested using </span>regression analysis  <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">This is tested using regression analysis where the slope of the regression <span class=\"_ _7\"></span>line must be between -0.80 and <span class=\"_ _7\"></span>-1.25 and </span>the<span class=\"_ gs36\"> </span>data pairs between the hedged item <span class=\"_ _7\"></span>and the hedging instrument are regressed to <span class=\"_ _7\"></span>a 95% confidence interval. The<span class=\"_ gs36\"> </span>regression co-efficient (R squared), which measures <span class=\"_ _7\"></span>the correlation between the variables in the <span class=\"_ _7\"></span>regression, is<span class=\"_ gs36\"> </span>at<span class=\"_ gs36\"> </span>least<span class=\"_ gs36\"> </span>80%.<span class=\"_ _3eb\"> </span>In the case of the hedge <span class=\"_ _7\"></span>of a forecast transaction, the transaction must <span class=\"_ _7\"></span>have a high probability of occurring <span class=\"_ _7\"></span>and must present an exposure to variations in <span class=\"_ _7\"></span>cash flows that are expected to affect <span class=\"_ _7\"></span>reported profit or loss.<span class=\"_ _3eb\"> </span>Fair value <span class=\"_ _7\"></span>hedge<span class=\"_ _3eb\"> </span>Changes in the fair value of <span class=\"_ _7\"></span>derivatives that are designated and qualify as <span class=\"_ _7\"></span>fair value hedging instruments are recorded in<span class=\"_ gs36\"> </span>net<span class=\"_ gs36\"> </span>trading income, together with any changes <span class=\"_ _7\"></span>in the fair value of the hedged <span class=\"_ _7\"></span>asset or liability that are attributable <span class=\"_ _7\"></span>to the<span class=\"_ gs36\"> </span>hedged risk. If the hedge no <span class=\"_ _7\"></span>longer meets the criteria for hedge accounting, <span class=\"_ _7\"></span>the adjustment to the carrying amount of<span class=\"_ gs36\"> </span>a<span class=\"_ gs36\"> </span>hedged item for which the effective <span class=\"_ _7\"></span>interest method is used is amortised to <span class=\"_ _7\"></span>the income statement over the remaining term to<span class=\"_ gs36\"> </span>maturity of the hedged item. <span class=\"_ _7\"></span>If the hedged item is sold or <span class=\"_ _7\"></span>repaid, the unamortised fair value adjustment <span class=\"_ _7\"></span>is recognised immediately in the income statement. For <span class=\"_ _7\"></span>financial assets classified as fair value through <span class=\"_ _7\"></span>other comprehensive income, the<span class=\"_ gs36\"> </span>hedge accounting adjustment attributable to the <span class=\"_ _7\"></span>hedged risk is included in net trading <span class=\"_ _7\"></span>income to match the hedging<span class=\"_ gs36\"> </span>derivative.<span class=\"_ _3eb\"> </span>Cash flow <span class=\"_ _7\"></span>hedge<span class=\"_ _3eb\"> </span>The effective portion of changes in <span class=\"_ _7\"></span>the fair value of derivatives that are <span class=\"_ _7\"></span>designated and qualify as cash flow <span class=\"_ _7\"></span>hedging instruments are initially recognised in other <span class=\"_ _7\"></span>comprehensive income, accumulating in the cash flow <span class=\"_ _7\"></span>hedge reserve within equity. These amounts are subsequently recycled <span class=\"_ _7\"></span>to the income statement in the periods <span class=\"_ _7\"></span>when the hedged item affects profit or loss. Both the derivative <span class=\"_ _7\"></span>fair value movement and any recycled amount <span class=\"_ _7\"></span>are recorded in the \u2018Cashflow hedges\u2019 line<span class=\"_ gs36\"> </span>item in other comprehensive income. The Group assesses hedge effectiveness using <span class=\"_ _7\"></span>the hypothetical derivative method, which creates a <span class=\"_ _7\"></span>derivative instrument to<span class=\"_ gs36\"> </span>serve as a proxy for the <span class=\"_ _7\"></span>hedged transaction. The terms of the hypothetical <span class=\"_ _7\"></span>derivative match the critical terms of <span class=\"_ _7\"></span>the hedged item and it has a <span class=\"_ _7\"></span>fair value of zero at inception. The <span class=\"_ _7\"></span>hypothetical derivative and the actual derivative <span class=\"_ _7\"></span>are regressed to establish the statistical significance of <span class=\"_ _7\"></span>the hedge relationship. Any ineffective portion of <span class=\"_ _7\"></span>the gain or loss on the <span class=\"_ _7\"></span>hedging instrument is recognised in the net <span class=\"_ _7\"></span>trading income immediately.<span class=\"_ _3eb\"> </span>If a cash flow hedge is <span class=\"_ _7\"></span>discontinued, the amount accumulated in the cash <span class=\"_ _7\"></span>flow hedge reserve is released to <span class=\"_ _7\"></span>the income statement as and when the hedged <span class=\"_ _7\"></span>item affects the income statement.<span class=\"_ _3eb\"> </span>Should the Group consider the hedged future cash flows are no longer expected to occur due to reasons, the cumulative gain or loss will be immediately reclassified <span class=\"_ _7\"></span>to profit or loss.<span class=\"_ _3eb\"> </span>Net investment <span class=\"_ _7\"></span>hedge<span class=\"_ _3eb\"> </span>Hedges of net investments are accounted <span class=\"_ _7\"></span>for in a similar manner to cash <span class=\"_ _7\"></span>flow hedges, with gains and losses <span class=\"_ _7\"></span>arising on the<span class=\"_ gs36\"> </span>effective portion of the hedges recorded <span class=\"_ _7\"></span>in the line \u2018Exchange differences on translation <span class=\"_ _7\"></span>of foreign operations\u2019 in other comprehensive income, accumulating in the translation <span class=\"_ _7\"></span>reserve within equity. These amounts remain in <span class=\"_ _7\"></span>equity until the net<span class=\"_ gs36\"> </span>investment is disposed of. The ineffective <span class=\"_ _7\"></span>portion of the hedges is recognised in <span class=\"_ _7\"></span>the net trading income immediately.<span class=\"_ _3eb\"> </span>The tables below analyse the notional <span class=\"_ _7\"></span>principal amounts and the positive and negative <span class=\"_ _7\"></span>fair values of derivative financial instruments. Notional principal amounts are the <span class=\"_ _7\"></span>amounts of principal underlying the contract at <span class=\"_ _7\"></span>the reporting date.<span class=\"_ _3eb\"> </span><table class=\"s w904 h25f\" id=\"_11ad6686-e543-4740-a1ad-0972e7e9f3ca\"><tr><td></td><td></td><td class=\"c n x113c y68cb w306 h204\"><div class=\"t m0 x1ed h38 y6563 ff5 fs17 fc0 sc0 ls21 ws20\">2025<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td class=\"c n x113d y68cb w46b h205\"><div class=\"t m0 x1ed h38 y6563 ff1 fs17 fc3 sc0 ls21 ws20\">2024<span class=\"_ _3eb\"> </span></div></td><td></td></tr><tr><td></td><td class=\"t m0 xb99 h38 y68cc ff5 fs17 fc0 sc0 ls21 ws20\">Notional<span class=\"_ _3eb\"> </span></td><td></td><td></td><td class=\"t m0 x5fb h39 y68cc ff1 fs17 fc3 sc0 ls21 ws20\">Notional<span class=\"_ _3eb\"> </span></td><td></td><td></td></tr><tr><td></td><td class=\"t m0 xb99 h38 y68cd ff5 fs17 fc0 sc0 ls21 ws20\">principal<span class=\"_ _3eb\"> </span></td><td></td><td></td><td class=\"t m0 x5fb h2c y68cd ff4 fs17 fc3 sc0 ls21 ws20\">principal<span class=\"_ _3eb\"> </span></td><td></td><td></td></tr><tr><td></td><td class=\"t m0 xb99 h38 y68ce ff5 fs17 fc0 sc0 ls21 ws20\">amounts<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x403 h38 y68ce ff5 fs17 fc0 sc0 ls21 ws20\">Assets<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x538 h38 y68ce ff5 fs17 fc0 sc0 ls21 ws20\">Liabilities<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xb9a h39 y68ce ff1 fs17 fc3 sc0 ls21 ws20\">amounts<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x113e h39 y68ce ff1 fs17 fc3 sc0 ls21 ws20\">Assets<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x113f h2c y68ce ff4 fs17 fc3 sc0 ls21 ws20\">Liabilities<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"t m0 x221 h38 y68cf ff5 fs17 fc3 sc0 ls21 ws20\">Derivatives<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x8f9 h38 y68cf ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x8bc h38 y68cf ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x404 h38 y68cf ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x405 h2c y68cf ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x8fa h2c y68cf ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1ec h2c y68cf ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"t m0 x221 h8 y68d0 ff5 fs5 fc3 sc0 ls5 ws5\">Foreign exchange derivative contracts\u00b9:<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y658b w905 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Forward foreign exchange contracts<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1140 y658b w906 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">5,793,024<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1141 y658b w907 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">42,581<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1142 y658b w908 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">42,554<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1143 y658b w909 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">4,923,991<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1144 y658b w49 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">54,913<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1145 y658b w4b7 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">51,128<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6570 w90a h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Currency swaps and options<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1146 y6570 w90b h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">1,592,764<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1147 y6570 w90c h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">13,323<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1148 y6570 w90d h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">13,965<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1149 y6570 w90e h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">1,377,308<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfa3 y6570 w90f h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">18,104<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x114a y6570 w910 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">18,720<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td class=\"c n x114b y655b w911 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">7,385,788<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x114c y655b w912 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">55,904<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x114d y655b w913 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">56,519<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x114e y655b w914 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">6,301,299<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x114f y655b w55 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">73,017<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1150 y655b w915 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">69,848<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x221 h8 y68d1 ff5 fs5 fc3 sc0 ls5 ws5\">Interest rate derivative contracts:<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y655d w1c1 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">Swaps<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1151 y655d w916 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">9,371,325<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1152 y655d w917 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">17,290<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1153 y655d w918 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">18,294<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1154 y655d w919 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">6,267,261<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1155 y655d w91a h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">20,600<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1156 y655d w5b6 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">22,282<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6573 w91b h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Forward rate agreements and options<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1157 y6573 w91c h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">325,419<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1158 y6573 w91d h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">1,674<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1159 y6573 w109 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">994<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x115a y6573 w91e h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">294,705<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x115b y6573 w91f h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">2,233<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x115c y6573 w920 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">2,771<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td class=\"c n x115d y6574 w921 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">9,696,744<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x115e y6574 w922 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">18,964<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x115f y6574 w923 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">19,288<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1160 y6574 w924 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">6,561,966<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1161 y6574 w925 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">22,833<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1162 y6574 w907 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">25,053<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6560 w926 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Exchange traded futures and options<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1163 y6560 w927 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">640,718<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1164 y6560 w8b4 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">39<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1165 y6560 w1f6 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">84<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1166 y6560 w928 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">383,528<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1167 y6560 w1cc h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">30<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1168 y6560 w3ab h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">27<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6575 w929 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">Credit derivative contracts<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1169 y6575 w92a h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">81,800<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x116a y6575 we7 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">493<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x116b y6575 w297 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">2,086<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x116c y6575 w92b h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">227,675<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x116d y6575 w380 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">397<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x116e y6575 w80 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">2,320<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y658d w92c h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Equity and stock index options<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x116f y658d w128 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">22,078<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1170 y658d w92d h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">336<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1171 y658d w4fc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">482<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1172 y658d w92e h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">10,678<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1173 y658d w356 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">351<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1174 y658d w92f h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">194<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y658e w930 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">Commodity derivative contracts<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1175 y658e w931 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">185,432<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1176 y658e w932 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">2,782<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1177 y658e w3d h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">2,464<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1178 y658e w933 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">142,393<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1179 y658e w598 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">1,274<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x117a y658e w581 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">1,052<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6577 w399 h203\"><div class=\"t m0 x1ed h3d y655f ff5 fs5 fc3 sc0 ls5 ws5\">Gross total derivatives<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x117b y6577 w934 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">18,012,560<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x117c y6577 w935 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">78,518<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x117d y6577 w936 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">80,923<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x117e y6577 w937 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">13,627,539<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x117f y6577 w938 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">97,902<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1180 y6577 w60f h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">98,494<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6566 w939 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">Offset<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1181 y6566 w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1182 y6566 w5e6 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(12,736)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1183 y6566 w5f5 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(12,719)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1184 y6566 w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1185 y6566 w600 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(16,430)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1186 y6566 w600 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(16,430)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6567 w93a h203\"><div class=\"t m0 x1ed h3d y655f ff5 fs5 fc3 sc0 ls5 ws5\">Total derivatives<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1187 y6567 w934 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">18,012,560<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1188 y6567 w93b h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">65,782<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1189 y6567 w286 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">68,204<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x118a y6567 w937 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">13,627,539<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x118b y6567 wc7 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">81,472<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb7a y6567 w100 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">82,064<span class=\"_ _3eb\"> </span></div></td></tr></table>1 <span class=\"_ _b\"> </span><span class=\"ff4\">Foreign exchange derivative contracts include precious metals derivatives.<span class=\"_ _3eb\"> </span></span>The Group limits exposure to credit <span class=\"_ _7\"></span>losses in the event of default by <span class=\"_ _7\"></span>entering into master netting agreements with <span class=\"_ _7\"></span>certain market counterparties. As required by IAS <span class=\"_ _7\"></span>32, exposures are only presented net in <span class=\"_ _7\"></span>these accounts where they are subject to<span class=\"_ gs36\"> </span>legal<span class=\"_ gs36\"> </span>right of offset and intended to <span class=\"_ _7\"></span>be settled net in the ordinary course <span class=\"_ _7\"></span>of business.<span class=\"_ _3eb\"> </span>The Group applies balance sheet offsetting <span class=\"_ _7\"></span>only in the instance where we are <span class=\"_ _7\"></span>able to demonstrate legal enforceability of the<span class=\"_ gs36\"> </span>right to offset (e.g. via legal <span class=\"_ _7\"></span>opinion) and the ability and intention to <span class=\"_ _7\"></span>settle on a net basis (e.g. <span class=\"_ _7\"></span>via operational practice).<span class=\"_ _3eb\"> </span>The Group may enter into economic <span class=\"_ _7\"></span>hedges that do not qualify for IAS <span class=\"_ _7\"></span>39 hedge accounting treatment, including derivative such as interest rate swaps, interest rate futures and cross currency swaps to manage interest rate and currency risks of the Group. These derivatives are measured at <span class=\"_ _7\"></span>fair value, with fair value changes recognised <span class=\"_ _7\"></span>in net trading income: refer to <span class=\"_ _7\"></span>Market Risk (page 277)<span class=\"_ _3eb\"> </span>Derivatives held for <span class=\"_ _7\"></span>hedging<span class=\"_ _3eb\"> </span>The Group enters into derivative contracts <span class=\"_ _7\"></span>for the purpose of hedging interest rate, <span class=\"_ _7\"></span>currency and structural foreign exchange risks inherent in assets, liabilities and <span class=\"_ _7\"></span>forecast transactions. The table below summarises the <span class=\"_ _7\"></span>notional principal amounts and carrying values of derivatives designated in <span class=\"_ _7\"></span>hedge accounting relationships at the reporting date.<span class=\"_ _3eb\"> </span>Included in the table below are <span class=\"_ _7\"></span>derivatives held for hedging purposes as follows: <table class=\"s w93c h260\" id=\"_e36d7d6f-6091-4e4b-bc7f-140da1ac7d4f\"><tr><td></td><td></td><td class=\"c n x86a y68d2 w306 h215\"><div class=\"t m0 x1ed h38 y6563 ff5 fs17 fc0 sc0 ls21 ws20\">2025<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td class=\"c n x86b y68d2 w46b h205\"><div class=\"t m0 x1ed h38 y6563 ff1 fs17 fc3 sc0 ls21 ws20\">2024<span class=\"_ _3eb\"> </span></div></td><td></td></tr><tr><td></td><td class=\"t m0 x1052 h38 y68d3 ff5 fs17 fc0 sc0 ls21 ws20\">Notional<span class=\"_ _3eb\"> </span></td><td></td><td></td><td class=\"t m0 x118c h39 y68d3 ff1 fs17 fc3 sc0 ls21 ws20\">Notional<span class=\"_ _3eb\"> </span></td><td></td><td></td></tr><tr><td></td><td class=\"t m0 x1052 h38 y68d4 ff5 fs17 fc0 sc0 ls21 ws20\">principal<span class=\"_ _3eb\"> </span></td><td></td><td></td><td class=\"t m0 x118c h2c y68d4 ff4 fs17 fc3 sc0 ls21 ws20\">principal<span class=\"_ _3eb\"> </span></td><td></td><td></td></tr><tr><td></td><td class=\"t m0 x1052 h38 y68d5 ff5 fs17 fc0 sc0 ls21 ws20\">amounts<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x2f0 h38 y68d5 ff5 fs17 fc0 sc0 ls21 ws20\">Assets<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x2e0 h38 y68d5 ff5 fs17 fc0 sc0 ls21 ws20\">Liabilities<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x118c h39 y68d5 ff1 fs17 fc3 sc0 ls21 ws20\">amounts<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x2e2 h39 y68d5 ff1 fs17 fc3 sc0 ls21 ws20\">Assets<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x4bb h2c y68d5 ff4 fs17 fc3 sc0 ls21 ws20\">Liabilities<span class=\"_ _3eb\"> </span></td></tr><tr><td></td><td class=\"t m0 x2f7 h38 y68d6 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x2c9 h38 y68d6 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x4be h38 y68d6 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x2fa h2c y68d6 ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x233 h2c y68d6 ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x234 h2c y68d6 ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"t m0 x235 h8 y68d7 ff5 fs5 fc3 sc0 ls5 ws5\">Derivatives designated </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m0 x235 h8 y68d8 ff5 fs5 fc3 sc0 ls5 ws5\">as<span class=\"_ gs1a6\"> </span>fair<span class=\"_ gs1a6\"> </span>value<span class=\"_ gs1a6\"> </span>hedges:<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y65ee w93d h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Interest rate swaps<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x118d y65ee w93e h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">62,630<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x572 y65ee w93f h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">717<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x118e y65ee w58a h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">1,001<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x118f y65ee w3ba h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">63,840<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1190 y65ee w940 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">763<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1191 y65ee w941 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">1,679<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y65ef w942 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Currency swaps<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1192 y65ef w27e h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">1,954<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1193 y65ef w66 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">92<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1194 y65ef w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1195 y65ef w750 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">1,035<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1196 y65ef w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1197 y65ef w1e6 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">56<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td class=\"c n x1198 y65f0 w5b8 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">64,584<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1199 y65f0 w943 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">809<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x119a y65f0 w58a h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">1,001<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x119b y65f0 w944 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">64,875<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x119c y65f0 w940 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">763<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x119d y65f0 w102 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">1,735<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x235 h8 y68d9 ff5 fs5 fc3 sc0 ls5 ws5\">Derivatives designated </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m0 x235 h8 y68da ff5 fs5 fc3 sc0 ls5 ws5\">as<span class=\"_ gs1a6\"> </span>cash<span class=\"_ gs1a6\"> </span>flow<span class=\"_ gs1a6\"> </span>hedges:<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y65f3 w93d h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Interest rate swaps<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x119e y65f3 w945 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">63,247<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x648 y65f3 w946 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">300<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x119f y65f3 w947 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">78<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11a0 y65f3 w948 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">49,309<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11a1 y65f3 w50a h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">165<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11a2 y65f3 w949 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">282<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y68a8 w905 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Forward foreign exchange contracts<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11a3 y68a8 w94a h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">10,268<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11a4 y68a8 w94b h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">124<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11a5 y68a8 w94c h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">34<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11a6 y68a8 w350 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">9,193<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11a7 y68a8 w94d h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">609<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11a8 y68a8 w41a h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y68a9 w942 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Currency swaps<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11a9 y68a9 w94e h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">3,904<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11aa y68a9 w2c1 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">86<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11ab y68a9 wac h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">22<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11ac y68a9 w94f h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">14,305<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11ad y68a9 w10a h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">729<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11ae y68a9 w4da h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td class=\"c n xb00 y68ab w290 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">77,419<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11af y68ab w950 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">510<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11b0 y68ab w3e5 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">134<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11b1 y68ab w951 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">72,807<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11b2 y68ab w952 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">1,503<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11b3 y68ab w508 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">285<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x235 h8 y68db ff5 fs5 fc3 sc0 ls5 ws5\">Derivatives designated as<span class=\"_ gs1a6\"> </span>net </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m0 x235 h8 y68dc ff5 fs5 fc3 sc0 ls5 ws5\">investment<span class=\"_ gs1a6\"> </span>hedges:<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y6566 w905 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Forward foreign exchange contracts<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11b4 y6566 w953 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">17,155<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11b5 y6566 w954 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">440<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11b6 y6566 w1e6 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">23<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11b7 y6566 w955 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">14,137<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11b8 y6566 w956 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">300<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11b9 y6566 w957 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">7<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6567 w958 h201\"><div class=\"t m0 x1ed h3d y6548 ff5 fs5 fc3 sc0 ls5 ws5\">Total derivatives held for hedging<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11ba y6567 w959 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">159,158<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11bb y6567 w95a h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">1,759<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11bc y6567 w5bb h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">1,158<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11bd y6567 w5b7 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">151,819<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11be y6567 w95b h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">2,566<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11bf y6567 w14b h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">2,027<span class=\"_ _3eb\"> </span></div></td></tr></table>Fair value hedges<span class=\"_ _3eb\"> </span>The Group issues various long-term fixed-rate <span class=\"_ _7\"></span>debt issuances that are measured at amortised <span class=\"_ _7\"></span>cost, including some denominated in foreign currency, such as <span class=\"_ _7\"></span>unsecured senior and subordinated debt (see Notes <span class=\"_ _7\"></span>22 and 27). The Group also <span class=\"_ _7\"></span>holds various fixed rate debt securities such <span class=\"_ _7\"></span>as government and corporate bonds, including some <span class=\"_ _7\"></span>denominated in foreign currency (see Note 13). These assets and <span class=\"_ _7\"></span>liabilities held are exposed to changes in <span class=\"_ _7\"></span>fair value due to movements in <span class=\"_ _7\"></span>market interest and foreign currency rates.<span class=\"_ _3eb\"> </span>The Group uses interest rate swaps to exchange fixed rates for floating rates on funding to match floating rates received on assets or exchange fixed rates on <span class=\"_ _7\"></span>assets to match floating rates paid on <span class=\"_ _7\"></span>funding. The Group further uses cross- <span class=\"_ _7\"></span>currency swaps to match the currency of the <span class=\"_ _7\"></span>issued debt or held asset with that <span class=\"_ _7\"></span>of the entity\u2019s functional currency. Hedge ineffectiveness from fair value hedges <span class=\"_ _7\"></span>is driven by cross-currency basis risk and <span class=\"_ _7\"></span>interest cashflows mismatch between the<span class=\"_ gs36\"> </span>hedging instruments and underlying hedged items. <span class=\"_ _7\"></span>The amortisation of fair value hedge adjustments <span class=\"_ _7\"></span>for hedged items no<span class=\"_ gs36\"> </span>longer designated is recognised in net <span class=\"_ _7\"></span>interest income.<span class=\"_ _3eb\"> </span>As at 31 December 2025, the Group held the following interest rate and cross currency swaps as hedging instruments in fair value hedges of interest and currency <span class=\"_ _7\"></span>risk.<span class=\"_ _3eb\"> </span><div class=\"t m0 hc ff7 fs8 fc2 sc0 ls8 wsb gs5a1\">Hedging instruments and <span class=\"_ _7\"></span>ineffectiveness<span class=\"_ _3eb\"> </span></div><div class=\"gs5a2\"><table class=\"s w95c h261\" id=\"_a748108c-e997-4606-9d2a-8392031bc267\"><tr><td></td><td></td><td></td><td></td><td class=\"t m0 x9d8 h38 y68dd ff5 fs17 fc0 sc0 ls21 ws20\">Change in fair </td><td></td></tr><tr><td></td><td></td><td class=\"t m0 x11c0 h38 y68de ff5 fs17 fc0 sc0 ls21 ws20\">Carrying Amount<span class=\"_ _3eb\"> </span></td><td></td><td class=\"t m0 x9d3 h38 y68df ff5 fs17 fc0 sc0 ls21 ws20\">value used to </td><td class=\"t m0 x11c1 h38 y68df ff5 fs17 fc0 sc0 ls21 ws20\">Ineffectiveness </td></tr><tr><td></td><td></td><td></td><td></td><td class=\"t m0 x11c2 h38 y68e0 ff5 fs17 fc0 sc0 ls21 ws20\">calculate hedge<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x11c3 h38 y68e0 ff5 fs17 fc0 sc0 ls21 ws20\">recognised in </td></tr><tr><td></td><td class=\"t m0 x11c4 h38 y68e1 ff5 fs17 fc0 sc0 ls21 ws20\">Notional <span class=\"ff2 ls0 ws0\"> </span></td><td class=\"t m0 x11c5 h38 y68e1 ff5 fs17 fc0 sc0 ls21 ws20\">Asset <span class=\"ff2 ls0 ws0\"> </span></td><td class=\"t m0 x8b9 h38 y68e1 ff5 fs17 fc0 sc0 ls21 ws20\">Liability<span class=\"ff2 ls0 ws0\"> </span></td><td class=\"c x11c7 y68e3 w95d h262\"><div class=\"t m0 x1ed h38 y6563 ff5 fs17 fc0 sc0 ls21 ws20\">ineffectiveness</div><div class=\"t m0 x11c6 ha7 y68e2 ff5 fs19 fc0 sc0 ls0 ws0\">2</div></td><td class=\"t m0 xb9f h38 y68e1 ff5 fs17 fc0 sc0 ls21 ws20\">profit or loss<span class=\"ff2 ls0 ws0\"> </span></td></tr><tr><td class=\"c x1ee y68e6 w95e h1ff\"><div class=\"t m0 x1ed h8 y68e4 ff5 fs5 fc3 sc0 ls5 ws5\">Interest rate</div><div class=\"t m0 x11c8 h9a y68e5 ff5 fs1b fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x8bc h38 y68e7 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x404 h38 y68e7 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x405 h38 y68e7 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1eb h38 y68e7 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1ec h38 y68e7 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"t m0 x221 h1a y68e8 ff4 fs5 fc3 sc0 ls5 ws5\">Interest rate swaps \u2013 debt securities/subordinated<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y68bc w95f h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">notes issued<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11c9 y68bc w960 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">42,219<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11ca y68bc w961 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">557<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11cb y68bc w48c h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">939<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11cc y68bc waf h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">839<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11cd y68bc w3f4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y68bd w962 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">Interest rate swaps \u2013 loans and advances <span class=\"_ _7\"></span>to customers<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11ce y68bd w3ed h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">531<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11cf y68bd w1cf h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11d0 y68bd w91 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">5<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11d1 y68bd w480 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(8)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11d2 y68bd w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y68be w963 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">Interest rate swaps \u2013 debt <span class=\"_ _7\"></span>securities and other eligible bills<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11d3 y68be w964 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">19,880<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11d4 y68be w965 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">160<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11d5 y68be w4cd h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">57<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11d6 y68be w966 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(333)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11d7 y68be w4a4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(9)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y68e9 w967 h201\"><div class=\"t m0 x1ed h8 y666e ff5 fs5 fc3 sc0 ls5 ws5\">Interest and currency risk</div><div class=\"t m0 x11d8 h9a y66c4 ff5 fs1b fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m0 x221 h1a y68ea ff4 fs5 fc3 sc0 ls5 ws5\">Cross currency swaps \u2013 debt securities/subordinated<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y68eb w95f h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">notes issued<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11d9 y68eb w27e h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">1,954<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11da y68eb w66 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">92<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbaa y68eb w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11db y68eb w62c h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">141<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11dc y68eb w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y6609 w968 h216\"><div class=\"t m0 x1ed h1a y65db ff4 fs5 fc3 sc0 ls5 ws5\">Cross currency swaps \u2013 debt securities and <span class=\"_ _7\"></span>other<span class=\"_ _3eb\"> </span></div><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">eligible<span class=\"_ gs1a1\"> </span>bills<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11dd y6609 w2bc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x4f8 y6609 w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11de y6609 w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11df y6609 w1cf h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11e0 y6609 w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y660a w969 h201\"><div class=\"t m0 x1ed h3d y6548 ff5 fs5 fc3 sc0 ls5 ws5\">Total as at 31 December 2025<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11e1 y660a w5b8 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">64,584<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11e2 y660a w5c5 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">809<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11e3 y660a w58a h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">1,001<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x83b y660a w48c h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">639<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11e4 y660a w4a5 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(7)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x221 h1a y68ec ff4 fs5 fc3 sc0 ls5 ws5\">Interest rate swaps \u2013 debt securities/subordinated<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y6695 w95f h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">notes issued<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11c9 y6695 wc4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">46,832<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11e5 y6695 wa6 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">283<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11e6 y6695 w29a h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">1,643<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11e7 y6695 w475 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">46<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11e8 y6695 w4da h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y65f3 w962 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Interest rate swaps \u2013 loans and advances <span class=\"_ _7\"></span>to customers<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11e9 y65f3 w96a h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">1,334<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11ea y65f3 w94 h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">10<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11eb y65f3 w11d h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">12<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11ec y65f3 w4db h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(5)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11ed y65f3 w1cf h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y68a8 w963 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Interest rate swaps \u2013 debt <span class=\"_ _7\"></span>securities and other eligible bills<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11ee y68a8 w783 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">15,674<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11ef y68a8 w901 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">470<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11f0 y68a8 w116 h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">24<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11f1 y68a8 w8ca h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">142<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11f2 y68a8 w4da h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y68ed w96b h25c\"><div class=\"t m0 x1ed h3b y6600 ff1 fs5 fc3 sc0 ls5 ws0\">Interest and currency risk</div><div class=\"t m0 x11d8 h3c y667e ff1 fs1b fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m0 x221 h1a y68ee ff4 fs5 fc3 sc0 ls5 ws5\">Cross currency swaps \u2013 debt securities/subordinated<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y65f7 w95f h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">notes issued<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11f3 y65f7 w96c h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">1,035<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb30 y65f7 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11f4 y65f7 w1e6 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">56<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11f5 y65f7 w3ac h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(52)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11f6 y65f7 wac h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(1)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y6566 w968 h217\"><div class=\"t m0 x1ed h1a y65dd ff4 fs5 fc3 sc0 ls5 ws5\">Cross currency swaps \u2013 debt securities and <span class=\"_ _7\"></span>other<span class=\"_ _3eb\"> </span></div><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">eligible<span class=\"_ gs1a1\"> </span>bills<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11dd y6566 w2bc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x4f8 y6566 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11de y6566 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11f7 y6566 w96d h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(10)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11f8 y6566 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6567 w96e h203\"><div class=\"t m0 x1ed h1a y65de ff5 fs5 fc3 sc0 ls5 ws5\">Total as at 31 December 2024<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11f9 y6567 w944 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">64,875<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11fa y6567 w380 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">763<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11fb y6567 w102 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">1,735<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11fc y6567 w1e5 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">121<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11fd y6567 w32 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls0 ws0\">3<span class=\"_ _3eb\"> </span></div></td></tr></table></div><div class=\"t m0 hb ff1 fs7 fc3 sc0 ls7 ws7 gs5a3\">1 <span class=\"_ _b\"> </span><span class=\"ff4\">Interest rate swaps are designated in hedges of the fair value of interest <span class=\"_ _7\"></span>rate risk attributable to the hedged item. Cross <span class=\"_ _7\"></span>currency swaps are used to hedge </span></div><div class=\"t m0 hb ff4 fs7 fc3 sc0 ls7 ws7 gs5a4\">both<span class=\"_ gs1a2\"> </span>interest rate and currency risks. All the hedging <span class=\"_ _7\"></span>instruments are derivatives, with changes in fair value <span class=\"_ _7\"></span>including hedge ineffectiveness recorded within </div><div class=\"t m0 hb ff4 fs7 fc3 sc0 ls7 ws7 gs5a5\">net<span class=\"_ gs1a2\"> </span>trading income.<span class=\"_ _3eb\"> </span></div><div class=\"t m0 hb ff1 fs7 fc3 sc0 ls7 ws7 gs5a6\">2 <span class=\"_ _f\"> </span><span class=\"ff4\">This represents a (loss)/gains change in fair value used for calculating hedge <span class=\"_ _7\"></span>ineffectiveness.<span class=\"_ _3eb\"> </span></span></div><div class=\"t m0 hc ff6 fs8 fc2 sc0 ls8 ws0 gs5a7\">Hedged items in fair value hedges<span class=\"_ _3eb\"> </span></div><div class=\"gs5a8\"><table class=\"s w96f h263\" id=\"_76bfb132-8a79-469a-8b42-2524b1227b90\"><tr><td></td><td></td><td></td><td></td><td class=\"t m0 x11fe h38 y68ef ff5 fs17 fc0 sc0 ls21 ws20\">Accumulated amount of fair value </td><td class=\"c n x11ff y68f0 w970 h204\"><div class=\"t m0 x1ed h38 y6563 ff5 fs17 fc0 sc0 ls21 ws20\">Cumulative<span class=\"_ _3eb\"> </span></div></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"t m0 x9cb h38 y68f1 ff5 fs17 fc0 sc0 ls21 ws20\">hedge adjustments included </td><td class=\"c n x1200 y68f2 w971 h204\"><div class=\"t m0 x1ed h38 y6563 ff5 fs17 fc0 sc0 ls21 ws20\">balance of fair<span class=\"_ _3eb\"> </span></div></td><td></td></tr><tr><td></td><td class=\"t m0 x1201 h38 y68f3 ff5 fs17 fc0 sc0 ls21 ws20\">Carrying Amount<span class=\"_ _3eb\"> </span></td><td></td><td></td><td class=\"c n x1202 y68f4 w972 h204\"><div class=\"t m0 x1ed h38 y6563 ff5 fs17 fc0 sc0 ls21 ws20\">in<span class=\"_ gs40f\"> </span>the<span class=\"_ gs40f\"> </span>carrying amount<span class=\"_ _3eb\"> </span></div></td><td class=\"c x1204 y68f4 w973 h204\"><div class=\"t m0 x1ed h38 y6563 ff5 fs17 fc0 sc0 ls21 ws20\">Change in fair<span class=\"_ _3eb\"> </span></div><div class=\"t m0 x1203 h38 y6563 ff5 fs17 fc0 sc0 ls21 ws20\">value adjustments<span class=\"_ _3eb\"> </span></div></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td class=\"c n xeee y68f5 w974 h204\"><div class=\"t m0 x1ed h38 y6563 ff5 fs17 fc0 sc0 ls21 ws20\">value used to<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x7bd h38 y68f6 ff5 fs17 fc0 sc0 ls21 ws20\">from de-<span class=\"_ _3eb\"> </span></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td class=\"c n x1205 y68f7 w975 h204\"><div class=\"t m0 x1ed h38 y6563 ff5 fs17 fc0 sc0 ls21 ws20\">calculate hedge</div></td><td class=\"t m0 x9d0 h38 y68f8 ff5 fs17 fc0 sc0 ls21 ws20\">designated hedge<span class=\"_ _3eb\"> </span></td></tr><tr><td></td><td class=\"t m0 x8f6 h38 y68f9 ff5 fs17 fc0 sc0 ls21 ws20\">Asset <span class=\"ff2 ls0 ws0\"> </span></td><td class=\"t m0 x1206 h38 y68f9 ff5 fs17 fc0 sc0 ls21 ws20\">Liability<span class=\"ff2 ls0 ws0\"> </span></td><td class=\"t m0 x11c5 h38 y68f9 ff5 fs17 fc0 sc0 ls21 ws20\">Asset <span class=\"ff2 ls0 ws0\"> </span></td><td class=\"t m0 x8b9 h38 y68f9 ff5 fs17 fc0 sc0 ls21 ws20\">Liability<span class=\"ff2 ls0 ws0\"> </span></td><td class=\"c x11c7 y68fa w976 h21b\"><div class=\"t m0 x1ed h38 y6563 ff5 fs17 fc0 sc0 ls21 ws20\">ineffectiveness</div><div class=\"t m0 x11c6 ha7 y65fd ff5 fs19 fc0 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c x1208 y68fa w977 h21b\"><div class=\"t m0 x1ed h38 y6563 ff5 fs17 fc0 sc0 ls21 ws20\">relationships</div><div class=\"t m0 x1207 ha7 y65fd ff5 fs19 fc0 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td class=\"t m0 x8f9 h38 y68fb ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x8bc h38 y68fb ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x404 h38 y68fb ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x405 h38 y68fb ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"c n x8bd y68fc w173 h204\"><div class=\"t m0 x1ed h38 y6563 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x1ec h38 y68fb ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c n x1ee y68fd w978 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">Debt securities /subordinated notes issued<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x894 y68fd w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1209 y68fd w979 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">43,968<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x120a y68fd w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x120b y68fd w137 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">546<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x120c y68fd w97a h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(978)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x120d y68fd w378 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">252<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y68fe w97b h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">Debt securities and other eligible bills<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x120e y68fe w1d6 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">19,834<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x120f y68fe w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1210 y68fe w484 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(57)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1211 y68fe w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1212 y68fe w5de h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">324<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1213 y68fe w3aa h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">82<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y68ff wcb h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Loans and advances to customers<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1214 y68ff w337 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">536<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1215 y68ff w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1216 y68ff w91 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">5<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1123 y68ff w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1217 y68ff w8a3 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">8<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1218 y68ff w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6900 w969 h203\"><div class=\"t m0 x1ed h3d y655f ff5 fs5 fc3 sc0 ls5 ws5\">Total as at 31 December 2025<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1219 y6900 w97c h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">20,370<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x121a y6900 w979 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">43,968<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x121b y6900 w3a4 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(52)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x121c y6900 w137 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">546<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x121d y6900 w498 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(646)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x121e y6900 w97d h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">334<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6610 w978 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Debt securities /subordinated notes issued<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x894 y6610 w2bc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x121f y6610 w7e6 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">49,616<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1220 y6610 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x51d y6610 w654 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">1,485<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1221 y6610 w957 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">7<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1222 y6610 w97e h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">178<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6577 w97b h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Debt securities and other eligible bills<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1223 y6577 w285 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">15,183<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1224 y6577 w2bc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1225 y6577 w97f h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(353)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10f5 y6577 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1226 y6577 w980 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(130)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1227 y6577 w314 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">235<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6566 wcb h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Loans and advances to customers<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1228 y6566 w981 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">1,330<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb21 y6566 w2bc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1229 y6566 w982 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(4)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x122a y6566 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x122b y6566 w40 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls0 ws0\">5<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x122c y6566 w3c h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls0 ws0\">4<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6567 w96e h203\"><div class=\"t m0 x1ed h1a y65de ff5 fs5 fc3 sc0 ls5 ws5\">Total as at 31 December 2024<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x122d y6567 w287 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">16,513<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x122e y6567 w983 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">49,616<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x122f y6567 wde h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(357)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1230 y6567 w654 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">1,485<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1231 y6567 w85 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(118)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1232 y6567 w984 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">417<span class=\"_ _3eb\"> </span></div></td></tr></table></div><div class=\"t m0 hb ff1 fs7 fc3 sc0 ls7 ws7 gs5a9\">1 <span class=\"_ _b\"> </span><span class=\"ff4\">This represents a gain/(loss) change in fair value used for calculating hedge ineffectiveness.<span class=\"_ _3eb\"> </span></span></div><div class=\"t m0 hb ff1 fs7 fc3 sc0 ls7 ws7 gs5aa\">2 <span class=\"_ _f\"> </span><span class=\"ff4\">This represents a credit/(debit) to the balance sheet value.<span class=\"_ _3eb\"> </span></span></div><div class=\"t m0 hc ff6 fs8 fc2 sc0 ls8 ws0 gs5ab\">Income statement impact of fair value hedges<span class=\"_ _3eb\"> </span></div><div class=\"gs5ac\"><table class=\"s w985 h264\" id=\"_66d151ca-f76b-438b-9e5e-48136a2985e4\"><tr><td></td><td class=\"t m0 x1233 h14f y6901 ff5 fs64 fc0 sc0 ls50 ws5b\">2025<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1e9 h39 y6902 ff1 fs17 fc3 sc0 ls21 ws20\">2024<span class=\"_ _3eb\"> </span></td></tr><tr><td></td><td class=\"t m0 x113e h14f y6903 ff5 fs64 fc0 sc0 ls50 ws5b\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1ec h2c y6903 ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c n x1ee y6610 w986 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Change in fair value of hedging instruments<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1234 y6610 w3e0 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">639<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1235 y6610 w1e5 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">121<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6577 w987 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Change in fair value of hedged risks attributable to hedged items<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1236 y6577 w498 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(646)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1237 y6577 w85 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(118)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6566 w988 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">Net ineffectiveness (loss)/gain to net trading income<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1238 y6566 w4a5 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(7)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1239 y6566 w32 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls0 ws0\">3<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6567 w989 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">Amortisation gain to net interest income<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x123a y6567 w5c2 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">27<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x123b y6567 w356 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">153<span class=\"_ _3eb\"> </span></div></td></tr></table></div>Cash flow hedges<span class=\"_ _3eb\"> </span>The Group has exposure to market <span class=\"_ _7\"></span>movements in future interest cash flows on <span class=\"_ _7\"></span>portfolios of customer accounts, debt securities and loans and advances to customers. <span class=\"_ _7\"></span>The amounts and timing of future cash <span class=\"_ _7\"></span>flows, representing both principal and interest flows, are projected on the basis <span class=\"_ _7\"></span>of contractual terms and other relevant factors, <span class=\"_ _7\"></span>including estimates of prepayments and defaults.<span class=\"_ _3eb\"> </span>The hedging strategy of the Group <span class=\"_ _7\"></span>involves using interest rate swaps to manage <span class=\"_ _7\"></span>the variability in future cash flows <span class=\"_ _7\"></span>on assets and liabilities that have floating rates <span class=\"_ _7\"></span>of interest by exchanging the floating rates <span class=\"_ _7\"></span>for fixed rates. It also uses <span class=\"_ _7\"></span>foreign exchange contracts and currency swaps to manage <span class=\"_ _7\"></span>the variability in future exchange rates on <span class=\"_ _7\"></span>its assets and liabilities and costs <span class=\"_ _7\"></span>in foreign currencies. This is done on both <span class=\"_ _7\"></span>a micro basis whereby a single interest <span class=\"_ _7\"></span>rate or cross-currency swap is designated <span class=\"_ _7\"></span>in a separate relationship with a single hedged item <span class=\"_ _7\"></span>(such as a floating-rate loan to a <span class=\"_ _7\"></span>customer), and on a portfolio basis <span class=\"_ _7\"></span>whereby each hedging instrument is designated against a group of hedged items that share the same risk (such as a group of customer accounts). Hedge ineffectiveness for cash flow <span class=\"_ _7\"></span>hedges is mainly driven by reset frequency <span class=\"_ _7\"></span>and payment mismatch between the<span class=\"_ gs36\"> </span>hedging instrument and the underlying hedged <span class=\"_ _7\"></span>item.<span class=\"_ _3eb\"> </span>The hedged risk is determined as <span class=\"_ _7\"></span>the variability of future cash flows arising <span class=\"_ _7\"></span>from changes in the designated benchmark <span class=\"_ _7\"></span>interest and/or foreign exchange rates.<span class=\"_ _3eb\"> </span>Hedging instruments and <span class=\"_ _7\"></span>ineffectiveness<span class=\"_ _3eb\"> </span><table class=\"s w98a h265\" id=\"_a6ebc25f-dbc3-443a-8e8e-135ae669d0ef\"><tr><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m0 x123c h38 y6904 ff5 fs17 fc0 sc0 ls21 ws20\">Ineffectiveness<span class=\"_ _3eb\"> </span></td></tr><tr><td></td><td></td><td class=\"t m0 x2d9 h38 y6905 ff5 fs17 fc0 sc0 ls21 ws20\">Carrying Amount<span class=\"_ _3eb\"> </span></td><td></td><td class=\"t m0 x4ad h38 y6906 ff5 fs17 fc0 sc0 ls21 ws20\">Change in fair </td><td></td><td class=\"t m0 x123d h38 y6906 ff5 fs17 fc0 sc0 ls21 ws20\">gain/(loss)<span class=\"_ _3eb\"> </span></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"t m0 x123e h38 y6907 ff5 fs17 fc0 sc0 ls21 ws20\">value used to </td><td></td><td class=\"t m0 x123f h38 y6907 ff5 fs17 fc0 sc0 ls21 ws20\">recognised in<span class=\"_ _3eb\"> </span></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"t m0 x2e7 h38 y6908 ff5 fs17 fc0 sc0 ls21 ws20\">calculate hedge<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x2d4 h38 y6908 ff5 fs17 fc0 sc0 ls21 ws20\">Gain recognised </td><td class=\"t m0 x123d h38 y6908 ff5 fs17 fc0 sc0 ls21 ws20\">net trading<span class=\"_ _3eb\"> </span></td></tr><tr><td></td><td class=\"t m0 x1052 h38 y6909 ff5 fs17 fc0 sc0 ls21 ws20\">Notional <span class=\"ff2 ls0 ws0\"> </span></td><td class=\"t m0 x2cd h38 y6909 ff5 fs17 fc0 sc0 ls21 ws20\">Asset <span class=\"ff2 ls0 ws0\"> </span></td><td class=\"t m0 x1240 h38 y6909 ff5 fs17 fc0 sc0 ls21 ws20\">Liability<span class=\"ff2 ls0 ws0\"> </span></td><td class=\"c x1242 y690a w98b h21b\"><div class=\"t m0 x1ed h38 y6563 ff5 fs17 fc0 sc0 ls21 ws20\">ineffectiveness</div><div class=\"t m0 x1241 ha7 y65fd ff5 fs19 fc0 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x2e2 h38 y6909 ff5 fs17 fc0 sc0 ls21 ws20\">in<span class=\"_ gs40f\"> </span>OCI<span class=\"ff2 ls0 ws0\"> </span></td><td class=\"t m0 xbf0 h38 y6909 ff5 fs17 fc0 sc0 ls21 ws20\">income<span class=\"_ _3eb\"> </span></td></tr><tr><td></td><td class=\"t m0 x2f7 h38 y690b ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x2c9 h38 y690b ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x4be h38 y690b ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x2fa h38 y690b ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x233 h38 y690b ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x4c2 h38 y690b ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"t m0 x235 h8 y690c ff5 fs5 fc3 sc0 ls5 ws5\">Interest rate risk<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x236 y690d w93d h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Interest rate swaps<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1243 y690d w945 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">63,247<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1244 y690d w98c h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">300<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1245 y690d w98d h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">78<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1246 y690d w94b h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">412<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1247 y690d w954 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">404<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1248 y690d w8a3 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">8<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x235 h8 y690e ff5 fs5 fc3 sc0 ls5 ws5\">Currency risk<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x236 y690f w98e h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Forward foreign exchange contract<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1249 y690f w98f h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">10,268<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x124a y690f w94b h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">124<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x124b y690f w94c h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">34<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x124c y690f w144 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(5)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x124d y690f w4ad h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(4)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x124e y690f w471 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(1)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x236 y68fd w990 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Cross currency swaps<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x124f y68fd w94e h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">3,904<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1250 y68fd w27b h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">86<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1251 y68fd wac h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">22<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1252 y68fd wfa h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(377)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x97b y68fd w2cc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(379)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1253 y68fd w991 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6910 w969 h203\"><div class=\"t m0 x1ed h3d y655f ff5 fs5 fc3 sc0 ls5 ws5\">Total as at 31 December 2025<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1254 y6910 w992 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">77,419<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1255 y6910 w993 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">510<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1256 y6910 w3e5 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">134<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1257 y6910 w1e5 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">30<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1258 y6910 w74 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">21<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1259 y6910 w4b0 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">9<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x235 h8 y6911 ff5 fs5 fc3 sc0 ls5 ws5\">Interest rate risk<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x236 y6562 w93d h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Interest rate swaps<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x125a y6562 w994 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">49,309<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x125b y6562 w995 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">165<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x125c y6562 w949 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">282<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x125d y6562 w996 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(131)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x125e y6562 w997 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(125)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x125f y6562 w4c8 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(6)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x235 h8 y6912 ff5 fs5 fc3 sc0 ls5 ws5\">Currency risk<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x236 y6577 w98e h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Forward foreign exchange contract<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1260 y6577 w350 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">9,193<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1261 y6577 w998 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">609<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1262 y6577 w41a h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1263 y6577 w4dc h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">45<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1264 y6577 w4cc h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">45<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1265 y6577 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x236 y6566 w990 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Cross currency swaps<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1266 y6566 w94f h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">14,305<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1267 y6566 w999 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">729<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1268 y6566 w4da h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1269 y6566 w406 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">650<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x126a y6566 w99a h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">648<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x126b y6566 w4da h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6567 w96e h203\"><div class=\"t m0 x1ed h1a y65de ff5 fs5 fc3 sc0 ls5 ws5\">Total as at 31 December 2024<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x126c y6567 w99b h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">72,807<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x126d y6567 w96c h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">1,503<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x126e y6567 w8cd h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">285<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x126f y6567 w99c h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">564<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1270 y6567 w37d h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">568<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1271 y6567 w99d h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(4)<span class=\"_ _3eb\"> </span></div></td></tr></table>1 <span class=\"_ _b\"> </span><span class=\"ff4\">This represents a gain/(loss) change in fair value used for calculating hedge ineffectiveness.<span class=\"_ _3eb\"> </span></span>Hedged items in <span class=\"_ _7\"></span>cash flow <span class=\"_ _7\"></span>hedges<span class=\"_ _3eb\"> </span><table class=\"s w99e h266\" id=\"_5d3155da-a18f-43c7-becb-730986155029\"><tr><td></td><td></td><td class=\"c n x86a y6913 w306 h204\"><div class=\"t m0 x1ed h38 y6563 ff5 fs17 fc0 sc0 ls21 ws20\">2025<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td class=\"c n x86b y6913 w46b h205\"><div class=\"t m0 x1ed h38 y6563 ff1 fs17 fc3 sc0 ls21 ws20\">2024<span class=\"_ _3eb\"> </span></div></td><td></td></tr><tr><td></td><td></td><td></td><td class=\"t m0 x1272 h38 y6914 ff5 fs17 fc0 sc0 ls21 ws20\">Cumulative </td><td></td><td></td><td class=\"t m0 x123d h39 y6914 ff1 fs17 fc3 sc0 ls21 ws20\">Cumulative </td></tr><tr><td></td><td></td><td></td><td class=\"t m0 x1273 h38 y6915 ff5 fs17 fc0 sc0 ls21 ws20\">balance in<span class=\"_ gs40f\"> </span>the </td><td></td><td></td><td class=\"t m0 x2e3 h2c y6915 ff4 fs17 fc3 sc0 ls21 ws20\">balance in<span class=\"_ gs490\"> </span>the </td></tr><tr><td></td><td></td><td></td><td class=\"t m0 x1274 h38 y6916 ff5 fs17 fc0 sc0 ls21 ws20\">cash flow hedge </td><td></td><td></td><td class=\"t m0 x2fc h39 y6916 ff1 fs17 fc3 sc0 ls21 ws0\">cash flow hedge </td></tr><tr><td></td><td class=\"t m0 x1275 h38 y6917 ff5 fs17 fc0 sc0 ls21 ws20\">Change in fair </td><td></td><td class=\"t m0 x1276 h38 y6917 ff5 fs17 fc0 sc0 ls21 ws20\">reserve from </td><td class=\"t m0 x4ad h39 y6917 ff1 fs17 fc3 sc0 ls21 ws0\">Change in fair </td><td></td><td class=\"t m0 x1277 h39 y6917 ff1 fs17 fc3 sc0 ls21 ws0\">reserve from </td></tr><tr><td></td><td class=\"t m0 x1278 h38 y6918 ff5 fs17 fc0 sc0 ls21 ws20\">value used for </td><td></td><td class=\"t m0 x1279 h38 y6918 ff5 fs17 fc0 sc0 ls21 ws20\">de-designated </td><td class=\"t m0 x4ad h39 y6918 ff1 fs17 fc3 sc0 ls21 ws0\">value used for </td><td></td><td class=\"t m0 x123c h39 y6918 ff1 fs17 fc3 sc0 ls21 ws20\">de-designated </td></tr><tr><td></td><td class=\"t m0 x127a h38 y6919 ff5 fs17 fc0 sc0 ls21 ws20\">calculating hedge<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xc27 h38 y6919 ff5 fs17 fc0 sc0 ls21 ws20\">Cash flow hedge </td><td class=\"t m0 x2e6 h38 y6919 ff5 fs17 fc0 sc0 ls21 ws20\">hedge </td><td class=\"t m0 x127b h39 y6919 ff1 fs17 fc3 sc0 ls21 ws0\">calculating hedge<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x127c h39 y6919 ff1 fs17 fc3 sc0 ls21 ws0\">Cash flow hedge </td><td class=\"t m0 x2fd h39 y6919 ff1 fs17 fc3 sc0 ls21 ws20\">hedge </td></tr><tr><td></td><td class=\"c x127e y691a w99f h262\"><div class=\"t m0 x1ed h38 y6563 ff5 fs17 fc0 sc0 ls21 ws20\">ineffectiveness</div><div class=\"t m0 x127d ha7 y68e2 ff5 fs19 fc0 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x2d9 h38 y691b ff5 fs17 fc0 sc0 ls21 ws20\">reserve<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x670 h38 y691b ff5 fs17 fc0 sc0 ls21 ws20\">relationships<span class=\"_ _3eb\"> </span></td><td class=\"c x1242 y691d w9a0 h204\"><div class=\"t m0 x1ed h2c y6696 ff4 fs17 fc3 sc0 ls21 ws20\">ineffectiveness</div><div class=\"t m0 x1241 h3a y691c ff1 fs19 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x127f h39 y691b ff1 fs17 fc3 sc0 ls21 ws20\">reserve<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1280 h2c y691b ff4 fs17 fc3 sc0 ls21 ws20\">relationships<span class=\"_ _3eb\"> </span></td></tr><tr><td></td><td class=\"t m0 x2f7 h38 y691e ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x2c9 h38 y691e ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x4be h38 y691e ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x2fa h2c y691e ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x233 h2c y691e ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x234 h2c y691e ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c n x1ee y6561 wf5 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Customer accounts<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1281 y6561 w9a1 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">122<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1282 y6561 w298 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(1)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1283 y6561 w947 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">78<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1284 y6561 w9a2 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(199)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1285 y6561 w9a3 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(38)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1286 y6561 w9a4 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">104<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6562 w97b h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">Debt securities and other eligible bills<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1287 y6562 w9a1 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">122<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1288 y6562 w47b h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">4<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1289 y6562 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x128a y6562 w9a5 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(354)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x128b y6562 w7aa h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(10)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x128c y6562 w4db h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(5)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6610 wcb h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Loans and advances to customers<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x128d y6610 w285 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(379)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x128e y6610 w5de h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">243<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x128f y6610 w473 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">61<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1290 y6610 w8ca h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">124<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1291 y6610 w3cd h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(27)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1292 y6610 w47e h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(7)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6577 w9a6 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Intragroup lending currency hedge<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1293 y6577 w9a7 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">38<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1294 y6577 w2f0 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1295 y6577 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1296 y6577 w49b h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(55)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1297 y6577 w9a8 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(2)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11dc y6577 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6566 w9a9 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Intragroup borrowing currency hedge<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1298 y6566 w7d9 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">76<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1299 y6566 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x129a y6566 w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x129b y6566 w9aa h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(84)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x129c y6566 w3c h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls0 ws0\">4<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1218 y6566 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6567 w9ab h203\"><div class=\"t m0 x1ed h3d y655f ff5 fs5 fc3 sc0 ls5 ws5\">Total as at 31 December<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x129d y6567 w266 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(21)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x129e y6567 w9ac h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">248<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x129f y6567 w15f h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">139<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x12a0 y6567 w9ad h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(568)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x12a1 y6567 w2b3 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(73)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x12a2 y6567 w9ae h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">92<span class=\"_ _3eb\"> </span></div></td></tr></table>1 <span class=\"_ _b\"> </span><span class=\"ff4\">This represents a gain/(loss) change in fair value used for calculating hedge ineffectiveness.<span class=\"_ _3eb\"> </span></span>Impact of cash <span class=\"_ _7\"></span>flow hedges <span class=\"_ _7\"></span>on profit and <span class=\"_ _7\"></span>loss and <span class=\"_ _7\"></span>other comprehensive income<span class=\"_ _3eb\"> </span><table class=\"s w9af h267\" id=\"_6cf25a92-b420-4bc7-a513-deeda80b92c0\"><tr><td></td><td class=\"t m0 x1e8 h38 y691f ff5 fs17 fc0 sc0 ls21 ws20\">2025<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1e9 h39 y691f ff1 fs17 fc3 sc0 ls21 ws20\">2024<span class=\"_ _3eb\"> </span></td></tr><tr><td></td><td class=\"t m0 x1eb h38 y6920 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1ec h2c y6920 ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c n x1ee y65f5 w9b0 h1fe\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Cash flow hedge reserve balance as at 1 January<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x12a3 y65f5 w4a0 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">4<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x12a4 y65f5 w2b4 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">91<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x221 h3b y6921 ff1 fs5 fc3 sc0 ls5 ws0\">Gain recognised in other comprehensive income on effective portion of changes in fair value </td><td></td><td></td></tr><tr><td class=\"c n x1ee y6610 w9b1 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">of<span class=\"_ gs1a1\"> </span>hedging<span class=\"_ gs1a1\"> </span>instruments<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x12a5 y6610 w9b2 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">21<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x12a6 y6610 w117 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">568<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6577 w9b3 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">Loss/(Gain) reclassified to income statement when hedged <span class=\"_ _7\"></span>item affected net profit<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x12a7 y6577 w9b4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">347<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x12a8 y6577 w9b5 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(669)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6566 w9b6 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Taxation charge relating to cash flow hedges<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x12a9 y6566 w484 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(57)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x12aa y6566 w9e h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">14<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6567 w9b7 h201\"><div class=\"t m0 x1ed h3d y6548 ff5 fs5 fc3 sc0 ls5 ws5\">Cash flow hedge reserve balance as at <span class=\"_ _7\"></span>31 December<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x12ab y6567 w3ed h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">315<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x12ac y6567 w3c h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls0 ws0\">4<span class=\"_ _3eb\"> </span></div></td></tr></table>Net investment hedges<span class=\"_ _3eb\"> </span>Foreign currency exposures arise from investments <span class=\"_ _7\"></span>in subsidiaries that have a different functional <span class=\"_ _7\"></span>currency from that of the presentation currency of the parent. This <span class=\"_ _7\"></span>risk arises from the fluctuation in spot <span class=\"_ _7\"></span>exchange rates between the functional currency of the subsidiaries and the parent\u2019s <span class=\"_ _7\"></span>functional currency, which causes the value of <span class=\"_ _7\"></span>the investment to vary.<span class=\"_ _3eb\"> </span>The Group\u2019s policy is to hedge <span class=\"_ _7\"></span>these exposures only when not doing so <span class=\"_ _7\"></span>would be expected to have a <span class=\"_ _7\"></span>significant impact on the regulatory ratios of the Group and <span class=\"_ _7\"></span>its banking subsidiaries. The Group uses foreign <span class=\"_ _7\"></span>exchange forwards to manage the effect of<span class=\"_ gs36\"> </span>exchange rates on its net investments <span class=\"_ _7\"></span>in foreign subsidiaries.<span class=\"_ _3eb\"> </span><table class=\"s w9b8 h268\" id=\"_7c15c6b1-3cc7-4b2d-b21c-17a3aaff89db\"><tr><td></td><td></td><td></td><td></td><td class=\"c n x12ad y6922 w9b9 h215\"><div class=\"t m0 x1ed h38 y6563 ff5 fs17 fc0 sc0 ls21 ws20\">Changes in the<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"t m0 x1201 h38 y6923 ff5 fs17 fc0 sc0 ls21 ws20\">Carrying Amount<span class=\"_ _3eb\"> </span></td><td></td><td class=\"c x12af y6924 w9ba h215\"><div class=\"t m0 x1ed h38 y6563 ff5 fs17 fc0 sc0 ls21 ws20\">Change in fair<span class=\"_ _3eb\"> </span></div><div class=\"t m0 x12ae h38 y6563 ff5 fs17 fc0 sc0 ls21 ws20\">value of the<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"c n x12b0 y6925 w974 h215\"><div class=\"t m0 x1ed h38 y6563 ff5 fs17 fc0 sc0 ls21 ws20\">value used to<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x8b9 h38 y6926 ff5 fs17 fc0 sc0 ls21 ws20\">hedging </td><td class=\"t m0 x607 h38 y6926 ff5 fs17 fc0 sc0 ls21 ws20\">Ineffectiveness </td><td class=\"t m0 x12b1 h38 y6926 ff5 fs17 fc0 sc0 ls21 ws20\">Amount </td></tr><tr><td></td><td></td><td></td><td></td><td class=\"c n x12b2 y6927 w975 h215\"><div class=\"t m0 x1ed h38 y6563 ff5 fs17 fc0 sc0 ls21 ws20\">calculate hedge<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x12b3 h38 y6928 ff5 fs17 fc0 sc0 ls21 ws20\">instrument </td><td class=\"t m0 x9d3 h38 y6928 ff5 fs17 fc0 sc0 ls21 ws20\">recognised in </td><td class=\"t m0 x12b4 h38 y6928 ff5 fs17 fc0 sc0 ls21 ws20\">reclassified from </td></tr><tr><td class=\"t m0 x221 h38 y6929 ff5 fs17 fc3 sc0 ls21 ws20\">Derivative forward </td><td class=\"t m0 x12b5 h38 y6929 ff5 fs17 fc0 sc0 ls21 ws20\">Notional <span class=\"ff2 ls0 ws0\"> </span></td><td class=\"t m0 x8f6 h38 y6929 ff5 fs17 fc0 sc0 ls21 ws20\">Asset <span class=\"ff2 ls0 ws0\"> </span></td><td class=\"t m0 x1206 h38 y6929 ff5 fs17 fc0 sc0 ls21 ws20\">Liability<span class=\"ff2 ls0 ws0\"> </span></td><td class=\"c x12b7 y692a w9bb h21b\"><div class=\"t m0 x1ed h38 y6563 ff5 fs17 fc0 sc0 ls21 ws20\">ineffectiveness</div><div class=\"t m0 x12b6 ha7 y65fd ff5 fs19 fc0 sc0 ls0 ws0\">2</div></td><td class=\"t m0 xf45 h38 y6929 ff5 fs17 fc0 sc0 ls21 ws20\">recognised in OCI<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xdec h38 y6929 ff5 fs17 fc0 sc0 ls21 ws20\">profit or loss<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x9d0 h38 y6929 ff5 fs17 fc0 sc0 ls21 ws20\">reserves to income<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c x1ee y692b w9bc h262\"><div class=\"t m0 x1ed h38 y6563 ff5 fs17 fc3 sc0 ls21 ws20\">currency<span class=\"_ gs40f\"> </span>contracts</div><div class=\"t m0 x12b8 ha7 y68e2 ff5 fs19 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x12b9 h38 y692c ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x8f9 h38 y692c ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x8bc h38 y692c ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"c n x823 y692b w173 h215\"><div class=\"t m0 x1ed h38 y6563 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x405 h38 y692c ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1eb h38 y692c ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1ec h38 y692c ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c n x1ee y662c w9bd h201\"><div class=\"t m0 x1ed h3d y6548 ff5 fs5 fc3 sc0 ls5 ws5\">As at 31 December 2025<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x12ba y662c w413 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">17,155<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x12bb y662c w9be h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">440<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x12bc y662c w1e6 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">23<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x12bd y662c w9f h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">129<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x12be y662c w33b h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">129<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x12bf y662c w1cf h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x12c0 y662c w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6567 w9bf h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">As at 31 December 2024<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x12c1 y6567 w6fb h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">14,137<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x12c2 y6567 w9c0 h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">300<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x12c3 y6567 w9c1 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">7<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x12c4 y6567 wa0 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">678<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x12c5 y6567 wa0 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">678<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x960 y6567 w1cf h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x12c6 y6567 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr></table>1 <span class=\"_ _b\"> </span><span class=\"ff4\">These derivative forward currency contracts have a maturity of less than one year. <span class=\"_ _7\"></span>The hedges are rolled on a periodic basis.<span class=\"_ _3eb\"> </span></span>2 <span class=\"_ _f\"> </span><span class=\"ff4\">This represents a gain/(loss) change in fair value used for calculating hedge <span class=\"_ _7\"></span>ineffectiveness.<span class=\"_ _3eb\"> </span></span>Hedged items in net investment hedges<span class=\"_ _3eb\"> </span><table class=\"s w9c2 h269\" id=\"_9b8e66e6-999b-4031-9b49-282e8bf3522a\"><tr><td></td><td></td><td class=\"c n x113c y692d w306 h204\"><div class=\"t m0 x1ed h38 y6563 ff5 fs17 fc0 sc0 ls21 ws20\">2025<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td class=\"c n x113d y692d w46b h205\"><div class=\"t m0 x1ed h38 y6563 ff1 fs17 fc3 sc0 ls21 ws20\">2024<span class=\"_ _3eb\"> </span></div></td><td></td></tr><tr><td></td><td></td><td></td><td class=\"t m0 x12c7 h38 y692e ff5 fs17 fc0 sc0 ls21 ws20\">Balances </td><td></td><td></td><td class=\"t m0 x12c8 h39 y692e ff1 fs17 fc3 sc0 ls21 ws20\">Balances </td></tr><tr><td></td><td></td><td></td><td class=\"t m0 x9cd h38 y692f ff5 fs17 fc0 sc0 ls21 ws20\">remaining in the </td><td></td><td></td><td class=\"t m0 x12b4 h2c y692f ff4 fs17 fc3 sc0 ls21 ws20\">remaining in the </td></tr><tr><td></td><td></td><td></td><td class=\"t m0 x12c9 h38 y6930 ff5 fs17 fc0 sc0 ls21 ws20\">translation reserve </td><td></td><td></td><td class=\"t m0 x9d0 h39 y6930 ff1 fs17 fc3 sc0 ls21 ws0\">translation reserve </td></tr><tr><td></td><td></td><td></td><td class=\"t m0 x60f h38 y6931 ff5 fs17 fc0 sc0 ls21 ws20\">from hedging </td><td></td><td></td><td class=\"t m0 x12ca h39 y6931 ff1 fs17 fc3 sc0 ls21 ws0\">from hedging </td></tr><tr><td></td><td class=\"t m0 xf43 h38 y6932 ff5 fs17 fc0 sc0 ls21 ws20\">Change in fair </td><td></td><td class=\"t m0 x9cd h38 y6932 ff5 fs17 fc0 sc0 ls21 ws20\">relationships for </td><td class=\"t m0 x12cb h39 y6932 ff1 fs17 fc3 sc0 ls21 ws0\">Change in the </td><td></td><td class=\"t m0 x12cc h2c y6932 ff4 fs17 fc3 sc0 ls21 ws20\">relationships for </td></tr><tr><td></td><td class=\"t m0 xf43 h38 y6933 ff5 fs17 fc0 sc0 ls21 ws20\">value used for </td><td></td><td class=\"t m0 x9cb h38 y6933 ff5 fs17 fc0 sc0 ls21 ws20\">which hedge </td><td class=\"t m0 x12cd h39 y6933 ff1 fs17 fc3 sc0 ls21 ws0\">value used for </td><td></td><td class=\"t m0 x11c3 h39 y6933 ff1 fs17 fc3 sc0 ls21 ws0\">which hedge </td></tr><tr><td></td><td class=\"t m0 x12ce h38 y6934 ff5 fs17 fc0 sc0 ls21 ws20\">calculating hedge<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x10c2 h38 y6934 ff5 fs17 fc0 sc0 ls21 ws20\">Translation<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x9cd h38 y6934 ff2 fs17 fc0 sc0 ls21 ws0\">accounting is no </td><td class=\"t m0 xf48 h39 y6934 ff1 fs17 fc3 sc0 ls21 ws0\">calculating hedge<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x10c3 h39 y6934 ff1 fs17 fc3 sc0 ls21 ws20\">Translation<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x12b4 h39 y6934 ff1 fs17 fc3 sc0 ls21 ws0\">accounting is no </td></tr><tr><td></td><td class=\"c x12d0 y6935 w9c3 h262\"><div class=\"t m0 x1ed h38 y6563 ff5 fs17 fc0 sc0 ls21 ws20\">ineffectiveness</div><div class=\"t m0 x12cf ha7 y68e2 ff5 fs19 fc0 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c x12d2 y6935 w9c4 h262\"><div class=\"t m0 x1ed h38 y6563 ff5 fs17 fc0 sc0 ls21 ws20\">reserve</div><div class=\"t m0 x12d1 ha7 y68e2 ff5 fs19 fc0 sc0 ls0 ws0\">2</div></td><td class=\"t m0 x12d3 h38 y6936 ff5 fs17 fc0 sc0 ls21 ws20\">longer applied<span class=\"_ _3eb\"> </span></td><td class=\"c x12ad y6937 w9c5 h204\"><div class=\"t m0 x1ed h2c y6696 ff4 fs17 fc3 sc0 ls21 ws20\">ineffectiveness</div><div class=\"t m0 x12d4 h3a y691c ff1 fs19 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c x12d6 y6939 w9c6 h26a\"><div class=\"t m0 x1ed h39 y6632 ff1 fs17 fc3 sc0 ls21 ws20\">reserve</div><div class=\"t m0 x12d5 h3a y6938 ff1 fs19 fc3 sc0 ls0 ws0\">2</div></td><td class=\"t m0 x12d7 h39 y6936 ff1 fs17 fc3 sc0 ls21 ws0\">longer applied<span class=\"_ _3eb\"> </span></td></tr><tr><td></td><td class=\"t m0 x8f9 h38 y693a ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x8bc h38 y693a ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x404 h38 y693a ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x405 h2c y693a ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x8fa h2c y693a ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1ec h2c y693a ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c n x1ee y68ca w9c7 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Net investments<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x12d8 y68ca w5a6 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(129)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x12d9 y68ca w1a3 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">417<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x12da y68ca w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x12db y68ca w9c8 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(678)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x12dc y68ca wee h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">293<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x12dd y68ca w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr></table>1 <span class=\"_ _b\"> </span><span class=\"ff4\">This represents a gain/(loss) change in fair value used for calculating hedge ineffectiveness.<span class=\"_ _3eb\"> </span></span>2 <span class=\"_ _f\"> </span><span class=\"ff4\">This represents the mark-to-market including accrued interest on live hedges at 31 <span class=\"_ _7\"></span>December.<span class=\"_ _3eb\"> </span></span>Impact of net investment hedges on other comprehensive income<span class=\"_ _3eb\"> </span><table class=\"s w9c9 h26b\" id=\"_de9c35b0-f7b7-4900-b91a-1b6c8ec0abca\"><tr><td></td><td class=\"t m0 x1e8 h38 y693b ff5 fs17 fc0 sc0 ls21 ws20\">2025<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1e9 h39 y693b ff1 fs17 fc3 sc0 ls21 ws20\">2024<span class=\"_ _3eb\"> </span></td></tr><tr><td></td><td class=\"t m0 x1eb h38 y693c ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1ec h2c y693c ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c n x1ee y68ca w9ca h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Gains recognised in other comprehensive income<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x12de y68ca w9f h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">129<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x12df y68ca w9cb h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">678<span class=\"_ _3eb\"> </span></div></td></tr></table>Maturity of hedging instruments<span class=\"_ _3eb\"> </span><table class=\"s w9cc h26c\" id=\"_ec2c5aa9-b400-44e4-bf56-d5fd6b9972e4\"><tr><td></td><td></td><td></td><td class=\"c n x86a y693d w306 h215\"><div class=\"t m0 x1ed h38 y6563 ff5 fs17 fc0 sc0 ls21 ws20\">2025<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td></td><td class=\"c n x86b y693d w46b h205\"><div class=\"t m0 x1ed h38 y6563 ff1 fs17 fc3 sc0 ls21 ws20\">2024<span class=\"_ _3eb\"> </span></div></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td class=\"t m0 x12e0 h38 y693e ff5 fs17 fc0 sc0 ls21 ws20\">More than </td><td></td><td></td><td></td><td class=\"t m0 x4af h39 y693e ff1 fs17 fc3 sc0 ls21 ws0\">More than </td><td></td><td></td></tr><tr><td></td><td></td><td></td><td class=\"t m0 x12e1 h38 y693f ff5 fs17 fc0 sc0 ls21 ws20\">one month </td><td></td><td></td><td></td><td class=\"t m0 x4ae h39 y693f ff1 fs17 fc3 sc0 ls21 ws0\">one month </td><td></td><td></td></tr><tr><td></td><td></td><td class=\"t m0 x12e2 h38 y6940 ff5 fs17 fc0 sc0 ls21 ws20\">Less than<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x12e3 h38 y6940 ff5 fs17 fc0 sc0 ls21 ws20\">and less than </td><td class=\"t m0 x12e4 h38 y6940 ff5 fs17 fc0 sc0 ls21 ws20\">One to five </td><td class=\"t m0 x6c3 h38 y6940 ff5 fs17 fc0 sc0 ls21 ws20\">More than </td><td class=\"t m0 xad6 h39 y6940 ff1 fs17 fc3 sc0 ls21 ws0\">Less than<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x12e5 h39 y6940 ff1 fs17 fc3 sc0 ls21 ws0\">and less than </td><td class=\"t m0 x2dc h39 y6940 ff1 fs17 fc3 sc0 ls21 ws0\">One to five </td><td class=\"t m0 xe32 h39 y6940 ff1 fs17 fc3 sc0 ls21 ws0\">More than </td></tr><tr><td class=\"t m0 x235 h38 y6941 ff5 fs17 fc3 sc0 ls21 ws20\">Fair value hedges<span class=\"_ _3eb\"> </span></td><td></td><td class=\"t m0 x2d0 h38 y6941 ff5 fs17 fc0 sc0 ls21 ws20\">one month<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x666 h38 y6941 ff5 fs17 fc0 sc0 ls21 ws20\">one year<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x12e6 h38 y6941 ff5 fs17 fc0 sc0 ls21 ws20\">years </td><td class=\"t m0 x12e7 h38 y6941 ff5 fs17 fc0 sc0 ls21 ws20\">five years<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x2e7 h39 y6941 ff1 fs17 fc3 sc0 ls21 ws0\">one month<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x12e8 h39 y6941 ff1 fs17 fc3 sc0 ls21 ws0\">one year<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x12e9 h39 y6941 ff1 fs17 fc3 sc0 ls21 ws20\">years </td><td class=\"t m0 x4bb h39 y6941 ff1 fs17 fc3 sc0 ls21 ws0\">five years<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"t m0 x235 h8 y6942 ff5 fs5 fc3 sc0 ls5 ws5\">Interest rate swap<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x236 y6943 w9cd h1fe\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">Notional<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x12ea y6943 w9ce h1ff\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">$million<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x12eb y6943 w9cf h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">1,820<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x12ec y6943 w5b h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">9,387<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x12ed y6943 w7dc h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">35,179<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x12ee y6943 w2e5 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">16,244<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x12ef y6943 w9d0 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">2,763<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x12f0 y6943 w763 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">11,260<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x12f1 y6943 w9d1 h1fe\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">32,030<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x12f2 y6943 w7c9 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">17,787<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x235 h8 y6944 ff5 fs5 fc3 sc0 ls5 ws5\">Cross currency swap<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x236 y6945 w9cd h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">Notional<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x12ea y6945 w9ce h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">$million<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x12f3 y6945 w2bc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x12f4 y6945 w2bc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x12f5 y6945 w7d h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">1,954<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x12f6 y6945 w1cf h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x12f7 y6945 w1cf h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x12f8 y6945 w1cf h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x12f9 y6945 w750 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">1,035<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x12fa y6945 w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x247 h3b y6946 ff1 fs5 fc3 sc0 ls5 ws0\">Average fixed interest rate </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x236 y6947 w9d2 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(to USD) (%)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x12fb y6947 w9d3 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">EUR<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x12fc y6947 w2bc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x12fd y6947 w2bc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x12fe y6947 w9d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff7 fs5 fc3 sc0 ls5 ws5\">2.26<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x12ff y6947 w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1300 y6947 w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1301 y6947 w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1302 y6947 w9d5 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">2.40<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1303 y6947 w1cf h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x236 y6948 w9d6 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Average exchange rate<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1304 y6948 w9d7 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">EUR/USD<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1305 y6948 w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1306 y6948 w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1307 y6948 w9d8 h201\"><div class=\"t m0 x1ed h3d y6548 ff7 fs5 fc3 sc0 ls5 ws5\">0.89<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1308 y6948 w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1309 y6948 w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x130a y6948 w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x130b y6948 w9d9 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">0.91<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x130c y6948 w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x235 h8 y6949 ff5 fs5 fc3 sc0 ls5 ws5\">Cash flow hedges<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m0 x235 h8 y694a ff5 fs5 fc3 sc0 ls5 ws5\">Interest rate swap<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x236 y694b w9cd h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">Notional<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x12ea y694b w9ce h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">$million<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x12eb y694b w1e3 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">1,544<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x130d y694b w9da h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">17,021<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x130e y694b w34d h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">41,054<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x130f y694b w9db h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">3,628<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1310 y694b w60 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">2,428<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1311 y694b w2f3 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">15,589<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1312 y694b w9dc h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">25,943<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1313 y694b w9dd h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">5,349<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x247 h3b y694c ff1 fs5 fc3 sc0 ls5 ws0\">Average fixed interest rate </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x236 y694d w9de h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(%)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1314 y694d w62b h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">USD<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1315 y694d w542 h201\"><div class=\"t m0 x1ed h3d y6548 ff7 fs5 fc3 sc0 ls5 ws5\">4.09<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1316 y694d w542 h201\"><div class=\"t m0 x1ed h3d y6548 ff7 fs5 fc3 sc0 ls5 ws5\">4.09<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1317 y694d w9df h201\"><div class=\"t m0 x1ed h3d y6548 ff7 fs5 fc3 sc0 ls5 ws5\">3.61<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1318 y694d w9e0 h201\"><div class=\"t m0 x1ed h3d y6548 ff7 fs5 fc3 sc0 ls5 ws5\">3.69<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1319 y694d w9e1 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">5.09<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x131a y694d w9e2 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">4.62<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x131b y694d w9e3 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">4.05<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x131c y694d w9e4 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">3.74<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x235 h8 y694e ff5 fs5 fc3 sc0 ls5 ws5\">Cross currency swap<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x236 y694f w9cd h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">Notional<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x12ea y694f w9ce h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">$million<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x131d y694f w8b7 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">622<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x131e y694f w9e5 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">2,568<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x131f y694f w1a3 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">714<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1320 y694f w1cf h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1321 y694f w9e6 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">880<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1322 y694f w9e7 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">12,232<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1323 y694f w9e8 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">1,193<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1303 y694f w1cf h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x247 h3b y6950 ff1 fs5 fc3 sc0 ls5 ws0\">Average fixed interest rate </td><td class=\"c n x1324 y6951 w96a h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">HKD<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1325 y6951 w9e9 h203\"><div class=\"t m0 x1ed h3d y655f ff7 fs5 fc3 sc0 ls5 ws5\">4.11<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1326 y6951 w9ea h203\"><div class=\"t m0 x1ed h3d y655f ff7 fs5 fc3 sc0 ls5 ws5\">3.14<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1327 y6951 w9eb h203\"><div class=\"t m0 x1ed h3d y655f ff7 fs5 fc3 sc0 ls5 ws5\">0.21<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1328 y6951 w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1329 y6951 w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x132a y6951 w9ec h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">4.07<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x132b y6951 w9ed h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">0.21<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x132c y6951 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x247 h1a y6952 ff4 fs5 fc3 sc0 ls5 ws5\">(%)<span class=\"_ _3eb\"> </span></td><td class=\"c n x1324 y6953 w6a3 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">KRO<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x132d y6953 w9d4 h203\"><div class=\"t m0 x1ed h3d y655f ff7 fs5 fc3 sc0 ls5 ws5\">2.62<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x132e y6953 w66b h203\"><div class=\"t m0 x1ed h3d y655f ff7 fs5 fc3 sc0 ls5 ws5\">2.44<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x132f y6953 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1330 y6953 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1331 y6953 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1332 y6953 w3ac h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">2.85<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1333 y6953 w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1334 y6953 w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td class=\"c n x1324 y6954 w9ee h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">JPY/HKD<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1335 y6954 w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1336 y6954 w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1337 y6954 w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1338 y6954 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1339 y6954 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x133a y6954 w9ef h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(0.05)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x133b y6954 w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x133c y6954 w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td class=\"c n x1324 y6955 w9f0 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">TWO<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x133d y6955 w9f1 h203\"><div class=\"t m0 x1ed h3d y655f ff7 fs5 fc3 sc0 ls5 ws5\">1.07<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x133e y6955 w9f2 h203\"><div class=\"t m0 x1ed h3d y655f ff7 fs5 fc3 sc0 ls5 ws5\">1.35<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x133f y6955 w9f3 h203\"><div class=\"t m0 x1ed h3d y655f ff7 fs5 fc3 sc0 ls5 ws5\">1.38<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1340 y6955 w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1341 y6955 w9f4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">0.53<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1342 y6955 we7 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">1.04<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1343 y6955 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1344 y6955 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td class=\"c n x1324 y6956 w9f5 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">CNO<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1345 y6956 w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1346 y6956 w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1347 y6956 w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1348 y6956 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1349 y6956 w9f6 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">2.45<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x134a y6956 w361 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">1.54<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x134b y6956 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x134c y6956 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td class=\"c n x1324 y6957 w5cf h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">JPY<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1345 y6957 w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1346 y6957 w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1347 y6957 w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1348 y6957 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1349 y6957 w469 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">0.01<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x134d y6957 w9f7 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">0.08<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x134e y6957 w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x134f y6957 w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x236 y6958 w9d6 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Average exchange rate<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1304 y6958 w9f8 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">HKD/USD<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1350 y6958 w3a4 h203\"><div class=\"t m0 x1ed h3d y655f ff7 fs5 fc3 sc0 ls5 ws5\">7.77<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1351 y6958 w9f9 h203\"><div class=\"t m0 x1ed h3d y655f ff7 fs5 fc3 sc0 ls5 ws5\">7.78<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1352 y6958 w9fa h203\"><div class=\"t m0 x1ed h3d y655f ff7 fs5 fc3 sc0 ls5 ws5\">7.85<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1353 y6958 w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1354 y6958 w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1355 y6958 w109 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">7.78<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1356 y6958 wb9 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">7.85<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1357 y6958 w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td class=\"c n x1324 y6959 w9fb h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">KRO/USD<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1358 y6959 w9fc h203\"><div class=\"t m0 x1ed h3d y655f ff7 fs5 fc3 sc0 ls5 ws5\">1,454.00<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1359 y6959 w9fd h203\"><div class=\"t m0 x1ed h3d y655f ff7 fs5 fc3 sc0 ls5 ws5\">1,446.78<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x135a y6959 w9fe h203\"><div class=\"t m0 x1ed h3d y655f ff7 fs5 fc3 sc0 ls5 ws5\">1,300.90<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x135b y6959 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x135c y6959 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x135d y6959 w1c5 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">1,386.94<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x135e y6959 w9ff h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">1,300.90<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x135f y6959 w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td class=\"c n x1324 y695a wa00 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">TWO/USD<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1360 y695a wa01 h203\"><div class=\"t m0 x1ed h3d y655f ff7 fs5 fc3 sc0 ls5 ws5\">31.91<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1361 y695a wa02 h203\"><div class=\"t m0 x1ed h3d y655f ff7 fs5 fc3 sc0 ls5 ws5\">29.97<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1362 y695a wa03 h203\"><div class=\"t m0 x1ed h3d y655f ff7 fs5 fc3 sc0 ls5 ws5\">29.42<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1363 y695a w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1364 y695a w444 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">31.83<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1365 y695a w26c h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">32.22<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1366 y695a w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1367 y695a w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td class=\"c n x1324 y695b wa04 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">CNO/USD<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1368 y695b w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1369 y695b w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x136a y695b w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x136b y695b w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x136c y695b w2bf h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">7.18<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x136d y695b w408 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">7.20<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x136e y695b w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x136f y695b w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td class=\"c n x1324 y695c w9ee h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">JPY/HKD<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1335 y695c w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1336 y695c w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1337 y695c w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1338 y695c w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1339 y695c w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1370 y695c w4df h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">18.12<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1371 y695c w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1372 y695c w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x235 h8 y695d ff5 fs5 fc3 sc0 ls5 ws5\">Forward foreign exchange </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m0 x235 h8 y695e ff2 fs5 fc3 sc0 ls5 ws5\">contracts<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x236 y655a w9cd h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">Notional<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x12ea y655a w9ce h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">$million<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1373 y655a wa05 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">1,736<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x131e y655a w9db h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">8,236<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1374 y655a w397 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">296<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1375 y655a w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1376 y655a w71 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">2,044<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1377 y655a wa06 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">7,149<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1378 y655a w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1379 y655a w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x236 y655c w9d6 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Average exchange rate<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1304 y655c wa07 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">BRL/USD<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x137a y655c w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x137b y655c w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x137c y655c w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x137d y655c w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x137e y655c w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x137f y655c wa08 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">6.54<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1380 y655c w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1357 y655c w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td class=\"c n x1324 y655d w9f8 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">HKD/USD<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1381 y655d w3a4 h203\"><div class=\"t m0 x1ed h3d y655f ff7 fs5 fc3 sc0 ls5 ws5\">7.77<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1382 y655d w3a4 h203\"><div class=\"t m0 x1ed h3d y655f ff7 fs5 fc3 sc0 ls5 ws5\">7.77<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1383 y655d w9fa h203\"><div class=\"t m0 x1ed h3d y655f ff7 fs5 fc3 sc0 ls5 ws5\">7.85<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n x1384 y655d w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1385 y655d w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1386 y655d w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1387 y655d w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td class=\"c n x1324 y6573 wa09 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">JPY/USD<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1388 y6573 wa0a h203\"><div class=\"t m0 x1ed h3d y655f ff7 fs5 fc3 sc0 ls5 ws5\">153.02<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1389 y6573 w944 h203\"><div class=\"t m0 x1ed h3d y655f ff7 fs5 fc3 sc0 ls5 ws5\">148.53<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x138a y6573 w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x138b y6573 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x138c y6573 wa0b h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">147.38<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x138d y6573 wa0c h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">145.65<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x138e y6573 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x138f y6573 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x235 h8 y695f ff5 fs5 fc3 sc0 ls5 ws5\">Net investment hedges<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m0 x235 h8 y6960 ff5 fs5 fc3 sc0 ls5 ws5\">Foreign exchange derivatives<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x236 y6561 w9cd h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">Notional<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x12ea y6561 w9ce h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">$million<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1390 y6561 wa0d h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">17,126<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1391 y6561 w66 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">29<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1392 y6561 w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1393 y6561 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1394 y6561 w55d h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">14,137<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1395 y6561 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1396 y6561 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1397 y6561 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x236 y6610 w9d6 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Average exchange rate<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1304 y6610 wa0e h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">CNY/USD<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1398 y6610 wa0f h203\"><div class=\"t m0 x1ed h3d y655f ff7 fs5 fc3 sc0 ls5 ws5\">7.07<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1399 y6610 w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x139a y6610 w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x139b y6610 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x139c y6610 wa10 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">7.13<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x139d y6610 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x139e y6610 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x139f y6610 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td class=\"c n x1324 y6577 wa11 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">KRW/USD<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x13a0 y6577 wa12 h203\"><div class=\"t m0 x1ed h3d y655f ff7 fs5 fc3 sc0 ls5 ws5\">1,358.41<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x13a1 y6577 w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x13a2 y6577 w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x13a3 y6577 w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x13a4 y6577 wa13 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">1,364.97<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x13a5 y6577 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x13a6 y6577 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x13a7 y6577 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td class=\"c n x1324 y6566 w9f8 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">HKD/USD<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1381 y6566 w3a4 h203\"><div class=\"t m0 x1ed h3d y655f ff7 fs5 fc3 sc0 ls5 ws5\">7.77<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x13a8 y6566 w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x13a9 y6566 w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x13aa y6566 w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x13ab y6566 w386 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">7.77<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x13ac y6566 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x13ad y6566 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x13ae y6566 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td class=\"c n x1324 y6567 wa14 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">INR/USD<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x13af y6567 wa15 h203\"><div class=\"t m0 x1ed h3d y655f ff7 fs5 fc3 sc0 ls5 ws5\">86.63<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x13b0 y6567 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x13b1 y6567 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x13b2 y6567 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x13b3 y6567 w203 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">84.07<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x13b4 y6567 w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x13b5 y6567 w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x13b6 y6567 w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr></table>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfHedgeAccountingExplanatory",
    "language": "en",
    "entity": "scheme:U4LOSYZ7YG4W3S5F2G91",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-664": {
   "value": "14. Derivative financial <span class=\"_ _1b\"></span>instruments<span class=\"_ _3eb\"> </span>Accounting policy<span class=\"_ _3eb\"> </span>Fair values may be obtained from quoted market prices in active markets, recent market transactions, and valuation techniques, including discounted cash flow models <span class=\"_ _7\"></span>and option pricing models, as appropriate. Where <span class=\"_ _7\"></span>the initially recognised fair value of a derivative contract <span class=\"_ _7\"></span>is based on a valuation model that <span class=\"_ _7\"></span>uses inputs which are not observable <span class=\"_ _7\"></span>in the market, it<span class=\"_ gs36\"> </span>follows the same initial recognition accounting <span class=\"_ _7\"></span>policy as for other financial assets and <span class=\"_ _7\"></span>liabilities. All derivatives are carried as assets when fair value is <span class=\"_ _7\"></span>positive and as liabilities when fair value <span class=\"_ _7\"></span>is negative.<span class=\"_ _3eb\"> </span>Hedge accounting<span class=\"_ _3eb\"> </span>Under certain conditions, the Group may <span class=\"_ _7\"></span>designate a recognised asset or liability, a <span class=\"_ _7\"></span>firm commitment, highly probable forecast transaction or net investment of <span class=\"_ _7\"></span>a foreign operation into a formal hedge <span class=\"_ _7\"></span>accounting relationship with a derivative that has been entered to manage <span class=\"_ _7\"></span>interest rate and/or foreign exchange risks present <span class=\"_ _7\"></span>in the hedged item. The Group <span class=\"_ _7\"></span>has elected to continue applying IAS 39 <span class=\"_ _7\"></span>for hedge accounting.<span class=\"_ _3eb\"> </span>There are three categories of hedge <span class=\"_ _7\"></span>relationships: <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">Fair value hedge: to manage the fair value of interest rate and/or <span class=\"_ _7\"></span>foreign currency risks of recognised assets <span class=\"_ _7\"></span>or liabilities </span>or<span class=\"_ gs36\"> </span>firm commitments <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">Cash flow hedge: to manage interest rate or foreign exchange risk of <span class=\"_ _7\"></span>highly probable future cash flows attributable </span>to<span class=\"_ gs36\"> </span>a<span class=\"_ gs36\"> </span>recognised asset or liability, or a <span class=\"_ _7\"></span>forecasted transaction <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">Net investment hedge: to manage the structural foreign exchange risk of an <span class=\"_ _7\"></span>investment in a foreign operation<span class=\"_ _3eb\"> </span></span>The Group assesses, both at hedge <span class=\"_ _7\"></span>inception and on a quarterly basis, whether <span class=\"_ _7\"></span>the derivatives designated in hedge relationships are highly effective in offsetting <span class=\"_ _7\"></span>changes in fair values or cash flows <span class=\"_ _7\"></span>of hedged items. Hedges are considered to<span class=\"_ gs36\"> </span>be highly effective if all the <span class=\"_ _7\"></span>following criteria are met: <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">At inception of the hedge and throughout its life, the hedge is <span class=\"_ _7\"></span>prospectively expected to be highly effective <span class=\"_ _7\"></span>in achieving </span>offsetting changes in fair value or cash flows attributable to the hedged risk <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">Prospective and retrospective effectiveness of the hedge should be within a range <span class=\"_ _7\"></span>of 80\u2013125%. This is tested using </span>regression analysis  <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">This is tested using regression analysis where the slope of the regression <span class=\"_ _7\"></span>line must be between -0.80 and <span class=\"_ _7\"></span>-1.25 and </span>the<span class=\"_ gs36\"> </span>data pairs between the hedged item <span class=\"_ _7\"></span>and the hedging instrument are regressed to <span class=\"_ _7\"></span>a 95% confidence interval. The<span class=\"_ gs36\"> </span>regression co-efficient (R squared), which measures <span class=\"_ _7\"></span>the correlation between the variables in the <span class=\"_ _7\"></span>regression, is<span class=\"_ gs36\"> </span>at<span class=\"_ gs36\"> </span>least<span class=\"_ gs36\"> </span>80%.<span class=\"_ _3eb\"> </span>In the case of the hedge <span class=\"_ _7\"></span>of a forecast transaction, the transaction must <span class=\"_ _7\"></span>have a high probability of occurring <span class=\"_ _7\"></span>and must present an exposure to variations in <span class=\"_ _7\"></span>cash flows that are expected to affect <span class=\"_ _7\"></span>reported profit or loss.<span class=\"_ _3eb\"> </span>Fair value <span class=\"_ _7\"></span>hedge<span class=\"_ _3eb\"> </span>Changes in the fair value of <span class=\"_ _7\"></span>derivatives that are designated and qualify as <span class=\"_ _7\"></span>fair value hedging instruments are recorded in<span class=\"_ gs36\"> </span>net<span class=\"_ gs36\"> </span>trading income, together with any changes <span class=\"_ _7\"></span>in the fair value of the hedged <span class=\"_ _7\"></span>asset or liability that are attributable <span class=\"_ _7\"></span>to the<span class=\"_ gs36\"> </span>hedged risk. If the hedge no <span class=\"_ _7\"></span>longer meets the criteria for hedge accounting, <span class=\"_ _7\"></span>the adjustment to the carrying amount of<span class=\"_ gs36\"> </span>a<span class=\"_ gs36\"> </span>hedged item for which the effective <span class=\"_ _7\"></span>interest method is used is amortised to <span class=\"_ _7\"></span>the income statement over the remaining term to<span class=\"_ gs36\"> </span>maturity of the hedged item. <span class=\"_ _7\"></span>If the hedged item is sold or <span class=\"_ _7\"></span>repaid, the unamortised fair value adjustment <span class=\"_ _7\"></span>is recognised immediately in the income statement. For <span class=\"_ _7\"></span>financial assets classified as fair value through <span class=\"_ _7\"></span>other comprehensive income, the<span class=\"_ gs36\"> </span>hedge accounting adjustment attributable to the <span class=\"_ _7\"></span>hedged risk is included in net trading <span class=\"_ _7\"></span>income to match the hedging<span class=\"_ gs36\"> </span>derivative.<span class=\"_ _3eb\"> </span>Cash flow <span class=\"_ _7\"></span>hedge<span class=\"_ _3eb\"> </span>The effective portion of changes in <span class=\"_ _7\"></span>the fair value of derivatives that are <span class=\"_ _7\"></span>designated and qualify as cash flow <span class=\"_ _7\"></span>hedging instruments are initially recognised in other <span class=\"_ _7\"></span>comprehensive income, accumulating in the cash flow <span class=\"_ _7\"></span>hedge reserve within equity. These amounts are subsequently recycled <span class=\"_ _7\"></span>to the income statement in the periods <span class=\"_ _7\"></span>when the hedged item affects profit or loss. Both the derivative <span class=\"_ _7\"></span>fair value movement and any recycled amount <span class=\"_ _7\"></span>are recorded in the \u2018Cashflow hedges\u2019 line<span class=\"_ gs36\"> </span>item in other comprehensive income. The Group assesses hedge effectiveness using <span class=\"_ _7\"></span>the hypothetical derivative method, which creates a <span class=\"_ _7\"></span>derivative instrument to<span class=\"_ gs36\"> </span>serve as a proxy for the <span class=\"_ _7\"></span>hedged transaction. The terms of the hypothetical <span class=\"_ _7\"></span>derivative match the critical terms of <span class=\"_ _7\"></span>the hedged item and it has a <span class=\"_ _7\"></span>fair value of zero at inception. The <span class=\"_ _7\"></span>hypothetical derivative and the actual derivative <span class=\"_ _7\"></span>are regressed to establish the statistical significance of <span class=\"_ _7\"></span>the hedge relationship. Any ineffective portion of <span class=\"_ _7\"></span>the gain or loss on the <span class=\"_ _7\"></span>hedging instrument is recognised in the net <span class=\"_ _7\"></span>trading income immediately.<span class=\"_ _3eb\"> </span>If a cash flow hedge is <span class=\"_ _7\"></span>discontinued, the amount accumulated in the cash <span class=\"_ _7\"></span>flow hedge reserve is released to <span class=\"_ _7\"></span>the income statement as and when the hedged <span class=\"_ _7\"></span>item affects the income statement.<span class=\"_ _3eb\"> </span>Should the Group consider the hedged future cash flows are no longer expected to occur due to reasons, the cumulative gain or loss will be immediately reclassified <span class=\"_ _7\"></span>to profit or loss.<span class=\"_ _3eb\"> </span>Net investment <span class=\"_ _7\"></span>hedge<span class=\"_ _3eb\"> </span>Hedges of net investments are accounted <span class=\"_ _7\"></span>for in a similar manner to cash <span class=\"_ _7\"></span>flow hedges, with gains and losses <span class=\"_ _7\"></span>arising on the<span class=\"_ gs36\"> </span>effective portion of the hedges recorded <span class=\"_ _7\"></span>in the line \u2018Exchange differences on translation <span class=\"_ _7\"></span>of foreign operations\u2019 in other comprehensive income, accumulating in the translation <span class=\"_ _7\"></span>reserve within equity. These amounts remain in <span class=\"_ _7\"></span>equity until the net<span class=\"_ gs36\"> </span>investment is disposed of. The ineffective <span class=\"_ _7\"></span>portion of the hedges is recognised in <span class=\"_ _7\"></span>the net trading income immediately.<span class=\"_ _3eb\"> </span>The tables below analyse the notional <span class=\"_ _7\"></span>principal amounts and the positive and negative <span class=\"_ _7\"></span>fair values of derivative financial instruments. Notional principal amounts are the <span class=\"_ _7\"></span>amounts of principal underlying the contract at <span class=\"_ _7\"></span>the reporting date.<span class=\"_ _3eb\"> </span><table class=\"s w904 h25f\" id=\"_11ad6686-e543-4740-a1ad-0972e7e9f3ca\"><tr><td></td><td></td><td class=\"c n x113c y68cb w306 h204\"><div class=\"t m0 x1ed h38 y6563 ff5 fs17 fc0 sc0 ls21 ws20\">2025<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td class=\"c n x113d y68cb w46b h205\"><div class=\"t m0 x1ed h38 y6563 ff1 fs17 fc3 sc0 ls21 ws20\">2024<span class=\"_ _3eb\"> </span></div></td><td></td></tr><tr><td></td><td class=\"t m0 xb99 h38 y68cc ff5 fs17 fc0 sc0 ls21 ws20\">Notional<span class=\"_ _3eb\"> </span></td><td></td><td></td><td class=\"t m0 x5fb h39 y68cc ff1 fs17 fc3 sc0 ls21 ws20\">Notional<span class=\"_ _3eb\"> </span></td><td></td><td></td></tr><tr><td></td><td class=\"t m0 xb99 h38 y68cd ff5 fs17 fc0 sc0 ls21 ws20\">principal<span class=\"_ _3eb\"> </span></td><td></td><td></td><td class=\"t m0 x5fb h2c y68cd ff4 fs17 fc3 sc0 ls21 ws20\">principal<span class=\"_ _3eb\"> </span></td><td></td><td></td></tr><tr><td></td><td class=\"t m0 xb99 h38 y68ce ff5 fs17 fc0 sc0 ls21 ws20\">amounts<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x403 h38 y68ce ff5 fs17 fc0 sc0 ls21 ws20\">Assets<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x538 h38 y68ce ff5 fs17 fc0 sc0 ls21 ws20\">Liabilities<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xb9a h39 y68ce ff1 fs17 fc3 sc0 ls21 ws20\">amounts<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x113e h39 y68ce ff1 fs17 fc3 sc0 ls21 ws20\">Assets<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x113f h2c y68ce ff4 fs17 fc3 sc0 ls21 ws20\">Liabilities<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"t m0 x221 h38 y68cf ff5 fs17 fc3 sc0 ls21 ws20\">Derivatives<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x8f9 h38 y68cf ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x8bc h38 y68cf ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x404 h38 y68cf ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x405 h2c y68cf ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x8fa h2c y68cf ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1ec h2c y68cf ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"t m0 x221 h8 y68d0 ff5 fs5 fc3 sc0 ls5 ws5\">Foreign exchange derivative contracts\u00b9:<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y658b w905 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Forward foreign exchange contracts<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1140 y658b w906 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">5,793,024<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1141 y658b w907 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">42,581<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1142 y658b w908 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">42,554<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1143 y658b w909 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">4,923,991<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1144 y658b w49 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">54,913<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1145 y658b w4b7 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">51,128<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6570 w90a h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Currency swaps and options<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1146 y6570 w90b h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">1,592,764<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1147 y6570 w90c h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">13,323<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1148 y6570 w90d h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">13,965<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1149 y6570 w90e h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">1,377,308<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfa3 y6570 w90f h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">18,104<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x114a y6570 w910 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">18,720<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td class=\"c n x114b y655b w911 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">7,385,788<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x114c y655b w912 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">55,904<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x114d y655b w913 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">56,519<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x114e y655b w914 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">6,301,299<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x114f y655b w55 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">73,017<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1150 y655b w915 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">69,848<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x221 h8 y68d1 ff5 fs5 fc3 sc0 ls5 ws5\">Interest rate derivative contracts:<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y655d w1c1 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">Swaps<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1151 y655d w916 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">9,371,325<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1152 y655d w917 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">17,290<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1153 y655d w918 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">18,294<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1154 y655d w919 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">6,267,261<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1155 y655d w91a h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">20,600<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1156 y655d w5b6 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">22,282<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6573 w91b h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Forward rate agreements and options<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1157 y6573 w91c h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">325,419<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1158 y6573 w91d h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">1,674<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1159 y6573 w109 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">994<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x115a y6573 w91e h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">294,705<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x115b y6573 w91f h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">2,233<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x115c y6573 w920 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">2,771<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td class=\"c n x115d y6574 w921 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">9,696,744<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x115e y6574 w922 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">18,964<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x115f y6574 w923 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">19,288<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1160 y6574 w924 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">6,561,966<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1161 y6574 w925 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">22,833<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1162 y6574 w907 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">25,053<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6560 w926 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Exchange traded futures and options<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1163 y6560 w927 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">640,718<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1164 y6560 w8b4 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">39<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1165 y6560 w1f6 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">84<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1166 y6560 w928 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">383,528<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1167 y6560 w1cc h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">30<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1168 y6560 w3ab h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">27<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6575 w929 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">Credit derivative contracts<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1169 y6575 w92a h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">81,800<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x116a y6575 we7 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">493<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x116b y6575 w297 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">2,086<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x116c y6575 w92b h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">227,675<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x116d y6575 w380 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">397<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x116e y6575 w80 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">2,320<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y658d w92c h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Equity and stock index options<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x116f y658d w128 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">22,078<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1170 y658d w92d h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">336<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1171 y658d w4fc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">482<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1172 y658d w92e h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">10,678<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1173 y658d w356 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">351<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1174 y658d w92f h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">194<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y658e w930 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">Commodity derivative contracts<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1175 y658e w931 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">185,432<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1176 y658e w932 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">2,782<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1177 y658e w3d h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">2,464<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1178 y658e w933 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">142,393<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1179 y658e w598 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">1,274<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x117a y658e w581 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">1,052<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6577 w399 h203\"><div class=\"t m0 x1ed h3d y655f ff5 fs5 fc3 sc0 ls5 ws5\">Gross total derivatives<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x117b y6577 w934 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">18,012,560<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x117c y6577 w935 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">78,518<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x117d y6577 w936 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">80,923<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x117e y6577 w937 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">13,627,539<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x117f y6577 w938 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">97,902<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1180 y6577 w60f h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">98,494<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6566 w939 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">Offset<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1181 y6566 w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1182 y6566 w5e6 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(12,736)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1183 y6566 w5f5 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(12,719)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1184 y6566 w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1185 y6566 w600 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(16,430)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1186 y6566 w600 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(16,430)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6567 w93a h203\"><div class=\"t m0 x1ed h3d y655f ff5 fs5 fc3 sc0 ls5 ws5\">Total derivatives<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1187 y6567 w934 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">18,012,560<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1188 y6567 w93b h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">65,782<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1189 y6567 w286 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">68,204<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x118a y6567 w937 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">13,627,539<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x118b y6567 wc7 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">81,472<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb7a y6567 w100 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">82,064<span class=\"_ _3eb\"> </span></div></td></tr></table>1 <span class=\"_ _b\"> </span><span class=\"ff4\">Foreign exchange derivative contracts include precious metals derivatives.<span class=\"_ _3eb\"> </span></span>The Group limits exposure to credit <span class=\"_ _7\"></span>losses in the event of default by <span class=\"_ _7\"></span>entering into master netting agreements with <span class=\"_ _7\"></span>certain market counterparties. As required by IAS <span class=\"_ _7\"></span>32, exposures are only presented net in <span class=\"_ _7\"></span>these accounts where they are subject to<span class=\"_ gs36\"> </span>legal<span class=\"_ gs36\"> </span>right of offset and intended to <span class=\"_ _7\"></span>be settled net in the ordinary course <span class=\"_ _7\"></span>of business.<span class=\"_ _3eb\"> </span>The Group applies balance sheet offsetting <span class=\"_ _7\"></span>only in the instance where we are <span class=\"_ _7\"></span>able to demonstrate legal enforceability of the<span class=\"_ gs36\"> </span>right to offset (e.g. via legal <span class=\"_ _7\"></span>opinion) and the ability and intention to <span class=\"_ _7\"></span>settle on a net basis (e.g. <span class=\"_ _7\"></span>via operational practice).<span class=\"_ _3eb\"> </span>The Group may enter into economic <span class=\"_ _7\"></span>hedges that do not qualify for IAS <span class=\"_ _7\"></span>39 hedge accounting treatment, including derivative such as interest rate swaps, interest rate futures and cross currency swaps to manage interest rate and currency risks of the Group. These derivatives are measured at <span class=\"_ _7\"></span>fair value, with fair value changes recognised <span class=\"_ _7\"></span>in net trading income: refer to <span class=\"_ _7\"></span>Market Risk (page 277)<span class=\"_ _3eb\"> </span>.<span class=\"_ _3eb\"> </span>Derivatives held for <span class=\"_ _7\"></span>hedging<span class=\"_ _3eb\"> </span>The Group enters into derivative contracts <span class=\"_ _7\"></span>for the purpose of hedging interest rate, <span class=\"_ _7\"></span>currency and structural foreign exchange risks inherent in assets, liabilities and <span class=\"_ _7\"></span>forecast transactions. The table below summarises the <span class=\"_ _7\"></span>notional principal amounts and carrying values of derivatives designated in <span class=\"_ _7\"></span>hedge accounting relationships at the reporting date.<span class=\"_ _3eb\"> </span>Included in the table below are <span class=\"_ _7\"></span>derivatives held for hedging purposes as follows: <table class=\"s w93c h260\" id=\"_e36d7d6f-6091-4e4b-bc7f-140da1ac7d4f\"><tr><td></td><td></td><td class=\"c n x86a y68d2 w306 h215\"><div class=\"t m0 x1ed h38 y6563 ff5 fs17 fc0 sc0 ls21 ws20\">2025<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td class=\"c n x86b y68d2 w46b h205\"><div class=\"t m0 x1ed h38 y6563 ff1 fs17 fc3 sc0 ls21 ws20\">2024<span class=\"_ _3eb\"> </span></div></td><td></td></tr><tr><td></td><td class=\"t m0 x1052 h38 y68d3 ff5 fs17 fc0 sc0 ls21 ws20\">Notional<span class=\"_ _3eb\"> </span></td><td></td><td></td><td class=\"t m0 x118c h39 y68d3 ff1 fs17 fc3 sc0 ls21 ws20\">Notional<span class=\"_ _3eb\"> </span></td><td></td><td></td></tr><tr><td></td><td class=\"t m0 x1052 h38 y68d4 ff5 fs17 fc0 sc0 ls21 ws20\">principal<span class=\"_ _3eb\"> </span></td><td></td><td></td><td class=\"t m0 x118c h2c y68d4 ff4 fs17 fc3 sc0 ls21 ws20\">principal<span class=\"_ _3eb\"> </span></td><td></td><td></td></tr><tr><td></td><td class=\"t m0 x1052 h38 y68d5 ff5 fs17 fc0 sc0 ls21 ws20\">amounts<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x2f0 h38 y68d5 ff5 fs17 fc0 sc0 ls21 ws20\">Assets<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x2e0 h38 y68d5 ff5 fs17 fc0 sc0 ls21 ws20\">Liabilities<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x118c h39 y68d5 ff1 fs17 fc3 sc0 ls21 ws20\">amounts<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x2e2 h39 y68d5 ff1 fs17 fc3 sc0 ls21 ws20\">Assets<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x4bb h2c y68d5 ff4 fs17 fc3 sc0 ls21 ws20\">Liabilities<span class=\"_ _3eb\"> </span></td></tr><tr><td></td><td class=\"t m0 x2f7 h38 y68d6 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x2c9 h38 y68d6 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x4be h38 y68d6 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x2fa h2c y68d6 ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x233 h2c y68d6 ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x234 h2c y68d6 ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"t m0 x235 h8 y68d7 ff5 fs5 fc3 sc0 ls5 ws5\">Derivatives designated </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m0 x235 h8 y68d8 ff5 fs5 fc3 sc0 ls5 ws5\">as<span class=\"_ gs1a6\"> </span>fair<span class=\"_ gs1a6\"> </span>value<span class=\"_ gs1a6\"> </span>hedges:<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y65ee w93d h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Interest rate swaps<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x118d y65ee w93e h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">62,630<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x572 y65ee w93f h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">717<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x118e y65ee w58a h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">1,001<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x118f y65ee w3ba h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">63,840<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1190 y65ee w940 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">763<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1191 y65ee w941 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">1,679<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y65ef w942 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Currency swaps<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1192 y65ef w27e h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">1,954<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1193 y65ef w66 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">92<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1194 y65ef w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1195 y65ef w750 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">1,035<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1196 y65ef w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1197 y65ef w1e6 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">56<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td class=\"c n x1198 y65f0 w5b8 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">64,584<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1199 y65f0 w943 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">809<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x119a y65f0 w58a h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">1,001<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x119b y65f0 w944 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">64,875<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x119c y65f0 w940 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">763<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x119d y65f0 w102 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">1,735<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x235 h8 y68d9 ff5 fs5 fc3 sc0 ls5 ws5\">Derivatives designated </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m0 x235 h8 y68da ff5 fs5 fc3 sc0 ls5 ws5\">as<span class=\"_ gs1a6\"> </span>cash<span class=\"_ gs1a6\"> </span>flow<span class=\"_ gs1a6\"> </span>hedges:<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y65f3 w93d h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Interest rate swaps<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x119e y65f3 w945 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">63,247<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x648 y65f3 w946 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">300<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x119f y65f3 w947 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">78<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11a0 y65f3 w948 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">49,309<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11a1 y65f3 w50a h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">165<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11a2 y65f3 w949 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">282<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y68a8 w905 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Forward foreign exchange contracts<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11a3 y68a8 w94a h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">10,268<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11a4 y68a8 w94b h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">124<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11a5 y68a8 w94c h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">34<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11a6 y68a8 w350 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">9,193<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11a7 y68a8 w94d h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">609<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11a8 y68a8 w41a h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y68a9 w942 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Currency swaps<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11a9 y68a9 w94e h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">3,904<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11aa y68a9 w2c1 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">86<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11ab y68a9 wac h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">22<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11ac y68a9 w94f h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">14,305<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11ad y68a9 w10a h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">729<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11ae y68a9 w4da h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td class=\"c n xb00 y68ab w290 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">77,419<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11af y68ab w950 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">510<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11b0 y68ab w3e5 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">134<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11b1 y68ab w951 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">72,807<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11b2 y68ab w952 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">1,503<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11b3 y68ab w508 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">285<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x235 h8 y68db ff5 fs5 fc3 sc0 ls5 ws5\">Derivatives designated as<span class=\"_ gs1a6\"> </span>net </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m0 x235 h8 y68dc ff5 fs5 fc3 sc0 ls5 ws5\">investment<span class=\"_ gs1a6\"> </span>hedges:<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y6566 w905 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Forward foreign exchange contracts<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11b4 y6566 w953 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">17,155<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11b5 y6566 w954 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">440<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11b6 y6566 w1e6 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">23<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11b7 y6566 w955 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">14,137<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11b8 y6566 w956 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">300<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11b9 y6566 w957 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">7<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6567 w958 h201\"><div class=\"t m0 x1ed h3d y6548 ff5 fs5 fc3 sc0 ls5 ws5\">Total derivatives held for hedging<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11ba y6567 w959 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">159,158<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11bb y6567 w95a h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">1,759<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11bc y6567 w5bb h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">1,158<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11bd y6567 w5b7 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">151,819<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11be y6567 w95b h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">2,566<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11bf y6567 w14b h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">2,027<span class=\"_ _3eb\"> </span></div></td></tr></table>Fair value hedges<span class=\"_ _3eb\"> </span>The Group issues various long-term fixed-rate <span class=\"_ _7\"></span>debt issuances that are measured at amortised <span class=\"_ _7\"></span>cost, including some denominated in foreign currency, such as <span class=\"_ _7\"></span>unsecured senior and subordinated debt (see Notes <span class=\"_ _7\"></span>22 and 27). The Group also <span class=\"_ _7\"></span>holds various fixed rate debt securities such <span class=\"_ _7\"></span>as government and corporate bonds, including some <span class=\"_ _7\"></span>denominated in foreign currency (see Note 13). These assets and <span class=\"_ _7\"></span>liabilities held are exposed to changes in <span class=\"_ _7\"></span>fair value due to movements in <span class=\"_ _7\"></span>market interest and foreign currency rates.<span class=\"_ _3eb\"> </span>The Group uses interest rate swaps to exchange fixed rates for floating rates on funding to match floating rates received on assets or exchange fixed rates on <span class=\"_ _7\"></span>assets to match floating rates paid on <span class=\"_ _7\"></span>funding. The Group further uses cross- <span class=\"_ _7\"></span>currency swaps to match the currency of the <span class=\"_ _7\"></span>issued debt or held asset with that <span class=\"_ _7\"></span>of the entity\u2019s functional currency. Hedge ineffectiveness from fair value hedges <span class=\"_ _7\"></span>is driven by cross-currency basis risk and <span class=\"_ _7\"></span>interest cashflows mismatch between the<span class=\"_ gs36\"> </span>hedging instruments and underlying hedged items. <span class=\"_ _7\"></span>The amortisation of fair value hedge adjustments <span class=\"_ _7\"></span>for hedged items no<span class=\"_ gs36\"> </span>longer designated is recognised in net <span class=\"_ _7\"></span>interest income.<span class=\"_ _3eb\"> </span>As at 31 December 2025, the Group held the following interest rate and cross currency swaps as hedging instruments in fair value hedges of interest and currency <span class=\"_ _7\"></span>risk.<span class=\"_ _3eb\"> </span>Hedging instruments and <span class=\"_ _7\"></span>ineffectiveness<span class=\"_ _3eb\"> </span><table class=\"s w95c h261\" id=\"_a748108c-e997-4606-9d2a-8392031bc267\"><tr><td></td><td></td><td></td><td></td><td class=\"t m0 x9d8 h38 y68dd ff5 fs17 fc0 sc0 ls21 ws20\">Change in fair </td><td></td></tr><tr><td></td><td></td><td class=\"t m0 x11c0 h38 y68de ff5 fs17 fc0 sc0 ls21 ws20\">Carrying Amount<span class=\"_ _3eb\"> </span></td><td></td><td class=\"t m0 x9d3 h38 y68df ff5 fs17 fc0 sc0 ls21 ws20\">value used to </td><td class=\"t m0 x11c1 h38 y68df ff5 fs17 fc0 sc0 ls21 ws20\">Ineffectiveness </td></tr><tr><td></td><td></td><td></td><td></td><td class=\"t m0 x11c2 h38 y68e0 ff5 fs17 fc0 sc0 ls21 ws20\">calculate hedge<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x11c3 h38 y68e0 ff5 fs17 fc0 sc0 ls21 ws20\">recognised in </td></tr><tr><td></td><td class=\"t m0 x11c4 h38 y68e1 ff5 fs17 fc0 sc0 ls21 ws20\">Notional <span class=\"ff2 ls0 ws0\"> </span></td><td class=\"t m0 x11c5 h38 y68e1 ff5 fs17 fc0 sc0 ls21 ws20\">Asset <span class=\"ff2 ls0 ws0\"> </span></td><td class=\"t m0 x8b9 h38 y68e1 ff5 fs17 fc0 sc0 ls21 ws20\">Liability<span class=\"ff2 ls0 ws0\"> </span></td><td class=\"c x11c7 y68e3 w95d h262\"><div class=\"t m0 x1ed h38 y6563 ff5 fs17 fc0 sc0 ls21 ws20\">ineffectiveness</div><div class=\"t m0 x11c6 ha7 y68e2 ff5 fs19 fc0 sc0 ls0 ws0\">2</div></td><td class=\"t m0 xb9f h38 y68e1 ff5 fs17 fc0 sc0 ls21 ws20\">profit or loss<span class=\"ff2 ls0 ws0\"> </span></td></tr><tr><td class=\"c x1ee y68e6 w95e h1ff\"><div class=\"t m0 x1ed h8 y68e4 ff5 fs5 fc3 sc0 ls5 ws5\">Interest rate</div><div class=\"t m0 x11c8 h9a y68e5 ff5 fs1b fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x8bc h38 y68e7 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x404 h38 y68e7 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x405 h38 y68e7 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1eb h38 y68e7 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1ec h38 y68e7 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"t m0 x221 h1a y68e8 ff4 fs5 fc3 sc0 ls5 ws5\">Interest rate swaps \u2013 debt securities/subordinated<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y68bc w95f h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">notes issued<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11c9 y68bc w960 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">42,219<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11ca y68bc w961 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">557<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11cb y68bc w48c h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">939<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11cc y68bc waf h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">839<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11cd y68bc w3f4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y68bd w962 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">Interest rate swaps \u2013 loans and advances <span class=\"_ _7\"></span>to customers<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11ce y68bd w3ed h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">531<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11cf y68bd w1cf h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11d0 y68bd w91 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">5<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11d1 y68bd w480 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(8)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11d2 y68bd w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y68be w963 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">Interest rate swaps \u2013 debt <span class=\"_ _7\"></span>securities and other eligible bills<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11d3 y68be w964 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">19,880<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11d4 y68be w965 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">160<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11d5 y68be w4cd h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">57<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11d6 y68be w966 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(333)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11d7 y68be w4a4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(9)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y68e9 w967 h201\"><div class=\"t m0 x1ed h8 y666e ff5 fs5 fc3 sc0 ls5 ws5\">Interest and currency risk</div><div class=\"t m0 x11d8 h9a y66c4 ff5 fs1b fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m0 x221 h1a y68ea ff4 fs5 fc3 sc0 ls5 ws5\">Cross currency swaps \u2013 debt securities/subordinated<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y68eb w95f h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">notes issued<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11d9 y68eb w27e h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">1,954<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11da y68eb w66 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">92<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbaa y68eb w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11db y68eb w62c h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">141<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11dc y68eb w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y6609 w968 h216\"><div class=\"t m0 x1ed h1a y65db ff4 fs5 fc3 sc0 ls5 ws5\">Cross currency swaps \u2013 debt securities and <span class=\"_ _7\"></span>other<span class=\"_ _3eb\"> </span></div><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">eligible<span class=\"_ gs1a1\"> </span>bills<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11dd y6609 w2bc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x4f8 y6609 w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11de y6609 w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11df y6609 w1cf h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11e0 y6609 w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y660a w969 h201\"><div class=\"t m0 x1ed h3d y6548 ff5 fs5 fc3 sc0 ls5 ws5\">Total as at 31 December 2025<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11e1 y660a w5b8 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">64,584<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11e2 y660a w5c5 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">809<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11e3 y660a w58a h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">1,001<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x83b y660a w48c h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">639<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11e4 y660a w4a5 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(7)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x221 h1a y68ec ff4 fs5 fc3 sc0 ls5 ws5\">Interest rate swaps \u2013 debt securities/subordinated<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y6695 w95f h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">notes issued<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11c9 y6695 wc4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">46,832<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11e5 y6695 wa6 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">283<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11e6 y6695 w29a h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">1,643<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11e7 y6695 w475 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">46<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11e8 y6695 w4da h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y65f3 w962 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Interest rate swaps \u2013 loans and advances <span class=\"_ _7\"></span>to customers<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11e9 y65f3 w96a h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">1,334<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11ea y65f3 w94 h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">10<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11eb y65f3 w11d h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">12<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11ec y65f3 w4db h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(5)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11ed y65f3 w1cf h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y68a8 w963 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Interest rate swaps \u2013 debt <span class=\"_ _7\"></span>securities and other eligible bills<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11ee y68a8 w783 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">15,674<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11ef y68a8 w901 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">470<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11f0 y68a8 w116 h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">24<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11f1 y68a8 w8ca h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">142<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11f2 y68a8 w4da h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y68ed w96b h25c\"><div class=\"t m0 x1ed h3b y6600 ff1 fs5 fc3 sc0 ls5 ws0\">Interest and currency risk</div><div class=\"t m0 x11d8 h3c y667e ff1 fs1b fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m0 x221 h1a y68ee ff4 fs5 fc3 sc0 ls5 ws5\">Cross currency swaps \u2013 debt securities/subordinated<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y65f7 w95f h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">notes issued<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11f3 y65f7 w96c h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">1,035<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb30 y65f7 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11f4 y65f7 w1e6 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">56<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11f5 y65f7 w3ac h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(52)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11f6 y65f7 wac h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(1)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y6566 w968 h217\"><div class=\"t m0 x1ed h1a y65dd ff4 fs5 fc3 sc0 ls5 ws5\">Cross currency swaps \u2013 debt securities and <span class=\"_ _7\"></span>other<span class=\"_ _3eb\"> </span></div><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">eligible<span class=\"_ gs1a1\"> </span>bills<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11dd y6566 w2bc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x4f8 y6566 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11de y6566 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11f7 y6566 w96d h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(10)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11f8 y6566 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6567 w96e h203\"><div class=\"t m0 x1ed h1a y65de ff5 fs5 fc3 sc0 ls5 ws5\">Total as at 31 December 2024<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11f9 y6567 w944 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">64,875<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11fa y6567 w380 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">763<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11fb y6567 w102 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">1,735<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11fc y6567 w1e5 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">121<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11fd y6567 w32 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls0 ws0\">3<span class=\"_ _3eb\"> </span></div></td></tr></table>1 <span class=\"_ _b\"> </span><span class=\"ff4\">Interest rate swaps are designated in hedges of the fair value of interest <span class=\"_ _7\"></span>rate risk attributable to the hedged item. Cross <span class=\"_ _7\"></span>currency swaps are used to hedge </span>both<span class=\"_ gs1a2\"> </span>interest rate and currency risks. All the hedging <span class=\"_ _7\"></span>instruments are derivatives, with changes in fair value <span class=\"_ _7\"></span>including hedge ineffectiveness recorded within net<span class=\"_ gs1a2\"> </span>trading income.<span class=\"_ _3eb\"> </span>2 <span class=\"_ _f\"> </span><span class=\"ff4\">This represents a (loss)/gains change in fair value used for calculating hedge <span class=\"_ _7\"></span>ineffectiveness.<span class=\"_ _3eb\"> </span></span>Hedged items in fair value hedges<span class=\"_ _3eb\"> </span><table class=\"s w96f h263\" id=\"_76bfb132-8a79-469a-8b42-2524b1227b90\"><tr><td></td><td></td><td></td><td></td><td class=\"t m0 x11fe h38 y68ef ff5 fs17 fc0 sc0 ls21 ws20\">Accumulated amount of fair value </td><td class=\"c n x11ff y68f0 w970 h204\"><div class=\"t m0 x1ed h38 y6563 ff5 fs17 fc0 sc0 ls21 ws20\">Cumulative<span class=\"_ _3eb\"> </span></div></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"t m0 x9cb h38 y68f1 ff5 fs17 fc0 sc0 ls21 ws20\">hedge adjustments included </td><td class=\"c n x1200 y68f2 w971 h204\"><div class=\"t m0 x1ed h38 y6563 ff5 fs17 fc0 sc0 ls21 ws20\">balance of fair<span class=\"_ _3eb\"> </span></div></td><td></td></tr><tr><td></td><td class=\"t m0 x1201 h38 y68f3 ff5 fs17 fc0 sc0 ls21 ws20\">Carrying Amount<span class=\"_ _3eb\"> </span></td><td></td><td></td><td class=\"c n x1202 y68f4 w972 h204\"><div class=\"t m0 x1ed h38 y6563 ff5 fs17 fc0 sc0 ls21 ws20\">in<span class=\"_ gs40f\"> </span>the<span class=\"_ gs40f\"> </span>carrying amount<span class=\"_ _3eb\"> </span></div></td><td class=\"c x1204 y68f4 w973 h204\"><div class=\"t m0 x1ed h38 y6563 ff5 fs17 fc0 sc0 ls21 ws20\">Change in fair<span class=\"_ _3eb\"> </span></div><div class=\"t m0 x1203 h38 y6563 ff5 fs17 fc0 sc0 ls21 ws20\">value adjustments<span class=\"_ _3eb\"> </span></div></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td class=\"c n xeee y68f5 w974 h204\"><div class=\"t m0 x1ed h38 y6563 ff5 fs17 fc0 sc0 ls21 ws20\">value used to<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x7bd h38 y68f6 ff5 fs17 fc0 sc0 ls21 ws20\">from de-<span class=\"_ _3eb\"> </span></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td class=\"c n x1205 y68f7 w975 h204\"><div class=\"t m0 x1ed h38 y6563 ff5 fs17 fc0 sc0 ls21 ws20\">calculate hedge</div></td><td class=\"t m0 x9d0 h38 y68f8 ff5 fs17 fc0 sc0 ls21 ws20\">designated hedge<span class=\"_ _3eb\"> </span></td></tr><tr><td></td><td class=\"t m0 x8f6 h38 y68f9 ff5 fs17 fc0 sc0 ls21 ws20\">Asset <span class=\"ff2 ls0 ws0\"> </span></td><td class=\"t m0 x1206 h38 y68f9 ff5 fs17 fc0 sc0 ls21 ws20\">Liability<span class=\"ff2 ls0 ws0\"> </span></td><td class=\"t m0 x11c5 h38 y68f9 ff5 fs17 fc0 sc0 ls21 ws20\">Asset <span class=\"ff2 ls0 ws0\"> </span></td><td class=\"t m0 x8b9 h38 y68f9 ff5 fs17 fc0 sc0 ls21 ws20\">Liability<span class=\"ff2 ls0 ws0\"> </span></td><td class=\"c x11c7 y68fa w976 h21b\"><div class=\"t m0 x1ed h38 y6563 ff5 fs17 fc0 sc0 ls21 ws20\">ineffectiveness</div><div class=\"t m0 x11c6 ha7 y65fd ff5 fs19 fc0 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c x1208 y68fa w977 h21b\"><div class=\"t m0 x1ed h38 y6563 ff5 fs17 fc0 sc0 ls21 ws20\">relationships</div><div class=\"t m0 x1207 ha7 y65fd ff5 fs19 fc0 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td class=\"t m0 x8f9 h38 y68fb ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x8bc h38 y68fb ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x404 h38 y68fb ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x405 h38 y68fb ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"c n x8bd y68fc w173 h204\"><div class=\"t m0 x1ed h38 y6563 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x1ec h38 y68fb ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c n x1ee y68fd w978 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">Debt securities /subordinated notes issued<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x894 y68fd w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1209 y68fd w979 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">43,968<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x120a y68fd w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x120b y68fd w137 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">546<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x120c y68fd w97a h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(978)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x120d y68fd w378 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">252<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y68fe w97b h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">Debt securities and other eligible bills<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x120e y68fe w1d6 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">19,834<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x120f y68fe w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1210 y68fe w484 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(57)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1211 y68fe w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1212 y68fe w5de h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">324<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1213 y68fe w3aa h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">82<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y68ff wcb h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Loans and advances to customers<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1214 y68ff w337 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">536<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1215 y68ff w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1216 y68ff w91 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">5<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1123 y68ff w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1217 y68ff w8a3 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">8<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1218 y68ff w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6900 w969 h203\"><div class=\"t m0 x1ed h3d y655f ff5 fs5 fc3 sc0 ls5 ws5\">Total as at 31 December 2025<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1219 y6900 w97c h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">20,370<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x121a y6900 w979 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">43,968<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x121b y6900 w3a4 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(52)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x121c y6900 w137 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">546<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x121d y6900 w498 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(646)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x121e y6900 w97d h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">334<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6610 w978 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Debt securities /subordinated notes issued<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x894 y6610 w2bc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x121f y6610 w7e6 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">49,616<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1220 y6610 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x51d y6610 w654 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">1,485<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1221 y6610 w957 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">7<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1222 y6610 w97e h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">178<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6577 w97b h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Debt securities and other eligible bills<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1223 y6577 w285 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">15,183<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1224 y6577 w2bc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1225 y6577 w97f h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(353)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10f5 y6577 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1226 y6577 w980 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(130)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1227 y6577 w314 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">235<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6566 wcb h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Loans and advances to customers<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1228 y6566 w981 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">1,330<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb21 y6566 w2bc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1229 y6566 w982 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(4)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x122a y6566 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x122b y6566 w40 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls0 ws0\">5<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x122c y6566 w3c h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls0 ws0\">4<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6567 w96e h203\"><div class=\"t m0 x1ed h1a y65de ff5 fs5 fc3 sc0 ls5 ws5\">Total as at 31 December 2024<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x122d y6567 w287 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">16,513<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x122e y6567 w983 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">49,616<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x122f y6567 wde h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(357)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1230 y6567 w654 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">1,485<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1231 y6567 w85 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(118)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1232 y6567 w984 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">417<span class=\"_ _3eb\"> </span></div></td></tr></table>1 <span class=\"_ _b\"> </span><span class=\"ff4\">This represents a gain/(loss) change in fair value used for calculating hedge ineffectiveness.<span class=\"_ _3eb\"> </span></span>2 <span class=\"_ _f\"> </span><span class=\"ff4\">This represents a credit/(debit) to the balance sheet value.<span class=\"_ _3eb\"> </span></span>Income statement impact of fair value hedges<span class=\"_ _3eb\"> </span><table class=\"s w985 h264\" id=\"_66d151ca-f76b-438b-9e5e-48136a2985e4\"><tr><td></td><td class=\"t m0 x1233 h14f y6901 ff5 fs64 fc0 sc0 ls50 ws5b\">2025<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1e9 h39 y6902 ff1 fs17 fc3 sc0 ls21 ws20\">2024<span class=\"_ _3eb\"> </span></td></tr><tr><td></td><td class=\"t m0 x113e h14f y6903 ff5 fs64 fc0 sc0 ls50 ws5b\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1ec h2c y6903 ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c n x1ee y6610 w986 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Change in fair value of hedging instruments<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1234 y6610 w3e0 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">639<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1235 y6610 w1e5 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">121<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6577 w987 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Change in fair value of hedged risks attributable to hedged items<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1236 y6577 w498 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(646)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1237 y6577 w85 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(118)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6566 w988 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">Net ineffectiveness (loss)/gain to net trading income<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1238 y6566 w4a5 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(7)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1239 y6566 w32 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls0 ws0\">3<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6567 w989 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">Amortisation gain to net interest income<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x123a y6567 w5c2 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">27<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x123b y6567 w356 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">153<span class=\"_ _3eb\"> </span></div></td></tr></table>Cash flow hedges<span class=\"_ _3eb\"> </span>The Group has exposure to market <span class=\"_ _7\"></span>movements in future interest cash flows on <span class=\"_ _7\"></span>portfolios of customer accounts, debt securities and loans and advances to customers. <span class=\"_ _7\"></span>The amounts and timing of future cash <span class=\"_ _7\"></span>flows, representing both principal and interest flows, are projected on the basis <span class=\"_ _7\"></span>of contractual terms and other relevant factors, <span class=\"_ _7\"></span>including estimates of prepayments and defaults.<span class=\"_ _3eb\"> </span>The hedging strategy of the Group <span class=\"_ _7\"></span>involves using interest rate swaps to manage <span class=\"_ _7\"></span>the variability in future cash flows <span class=\"_ _7\"></span>on assets and liabilities that have floating rates <span class=\"_ _7\"></span>of interest by exchanging the floating rates <span class=\"_ _7\"></span>for fixed rates. It also uses <span class=\"_ _7\"></span>foreign exchange contracts and currency swaps to manage <span class=\"_ _7\"></span>the variability in future exchange rates on <span class=\"_ _7\"></span>its assets and liabilities and costs <span class=\"_ _7\"></span>in foreign currencies. This is done on both <span class=\"_ _7\"></span>a micro basis whereby a single interest <span class=\"_ _7\"></span>rate or cross-currency swap is designated <span class=\"_ _7\"></span>in a separate relationship with a single hedged item <span class=\"_ _7\"></span>(such as a floating-rate loan to a <span class=\"_ _7\"></span>customer), and on a portfolio basis <span class=\"_ _7\"></span>whereby each hedging instrument is designated against a group of hedged items that share the same risk (such as a group of customer accounts). Hedge ineffectiveness for cash flow <span class=\"_ _7\"></span>hedges is mainly driven by reset frequency <span class=\"_ _7\"></span>and payment mismatch between the<span class=\"_ gs36\"> </span>hedging instrument and the underlying hedged <span class=\"_ _7\"></span>item.<span class=\"_ _3eb\"> </span>The hedged risk is determined as <span class=\"_ _7\"></span>the variability of future cash flows arising <span class=\"_ _7\"></span>from changes in the designated benchmark <span class=\"_ _7\"></span>interest and/or foreign exchange rates.<span class=\"_ _3eb\"> </span>Hedging instruments and <span class=\"_ _7\"></span>ineffectiveness<span class=\"_ _3eb\"> </span><table class=\"s w98a h265\" id=\"_a6ebc25f-dbc3-443a-8e8e-135ae669d0ef\"><tr><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m0 x123c h38 y6904 ff5 fs17 fc0 sc0 ls21 ws20\">Ineffectiveness<span class=\"_ _3eb\"> </span></td></tr><tr><td></td><td></td><td class=\"t m0 x2d9 h38 y6905 ff5 fs17 fc0 sc0 ls21 ws20\">Carrying Amount<span class=\"_ _3eb\"> </span></td><td></td><td class=\"t m0 x4ad h38 y6906 ff5 fs17 fc0 sc0 ls21 ws20\">Change in fair </td><td></td><td class=\"t m0 x123d h38 y6906 ff5 fs17 fc0 sc0 ls21 ws20\">gain/(loss)<span class=\"_ _3eb\"> </span></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"t m0 x123e h38 y6907 ff5 fs17 fc0 sc0 ls21 ws20\">value used to </td><td></td><td class=\"t m0 x123f h38 y6907 ff5 fs17 fc0 sc0 ls21 ws20\">recognised in<span class=\"_ _3eb\"> </span></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"t m0 x2e7 h38 y6908 ff5 fs17 fc0 sc0 ls21 ws20\">calculate hedge<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x2d4 h38 y6908 ff5 fs17 fc0 sc0 ls21 ws20\">Gain recognised </td><td class=\"t m0 x123d h38 y6908 ff5 fs17 fc0 sc0 ls21 ws20\">net trading<span class=\"_ _3eb\"> </span></td></tr><tr><td></td><td class=\"t m0 x1052 h38 y6909 ff5 fs17 fc0 sc0 ls21 ws20\">Notional <span class=\"ff2 ls0 ws0\"> </span></td><td class=\"t m0 x2cd h38 y6909 ff5 fs17 fc0 sc0 ls21 ws20\">Asset <span class=\"ff2 ls0 ws0\"> </span></td><td class=\"t m0 x1240 h38 y6909 ff5 fs17 fc0 sc0 ls21 ws20\">Liability<span class=\"ff2 ls0 ws0\"> </span></td><td class=\"c x1242 y690a w98b h21b\"><div class=\"t m0 x1ed h38 y6563 ff5 fs17 fc0 sc0 ls21 ws20\">ineffectiveness</div><div class=\"t m0 x1241 ha7 y65fd ff5 fs19 fc0 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x2e2 h38 y6909 ff5 fs17 fc0 sc0 ls21 ws20\">in<span class=\"_ gs40f\"> </span>OCI<span class=\"ff2 ls0 ws0\"> </span></td><td class=\"t m0 xbf0 h38 y6909 ff5 fs17 fc0 sc0 ls21 ws20\">income<span class=\"_ _3eb\"> </span></td></tr><tr><td></td><td class=\"t m0 x2f7 h38 y690b ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x2c9 h38 y690b ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x4be h38 y690b ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x2fa h38 y690b ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x233 h38 y690b ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x4c2 h38 y690b ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"t m0 x235 h8 y690c ff5 fs5 fc3 sc0 ls5 ws5\">Interest rate risk<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x236 y690d w93d h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Interest rate swaps<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1243 y690d w945 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">63,247<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1244 y690d w98c h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">300<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1245 y690d w98d h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">78<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1246 y690d w94b h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">412<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1247 y690d w954 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">404<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1248 y690d w8a3 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">8<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x235 h8 y690e ff5 fs5 fc3 sc0 ls5 ws5\">Currency risk<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x236 y690f w98e h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Forward foreign exchange contract<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1249 y690f w98f h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">10,268<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x124a y690f w94b h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">124<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x124b y690f w94c h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">34<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x124c y690f w144 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(5)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x124d y690f w4ad h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(4)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x124e y690f w471 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(1)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x236 y68fd w990 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Cross currency swaps<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x124f y68fd w94e h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">3,904<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1250 y68fd w27b h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">86<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1251 y68fd wac h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">22<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1252 y68fd wfa h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(377)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x97b y68fd w2cc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(379)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1253 y68fd w991 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6910 w969 h203\"><div class=\"t m0 x1ed h3d y655f ff5 fs5 fc3 sc0 ls5 ws5\">Total as at 31 December 2025<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1254 y6910 w992 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">77,419<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1255 y6910 w993 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">510<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1256 y6910 w3e5 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">134<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1257 y6910 w1e5 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">30<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1258 y6910 w74 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">21<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1259 y6910 w4b0 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">9<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x235 h8 y6911 ff5 fs5 fc3 sc0 ls5 ws5\">Interest rate risk<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x236 y6562 w93d h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Interest rate swaps<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x125a y6562 w994 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">49,309<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x125b y6562 w995 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">165<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x125c y6562 w949 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">282<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x125d y6562 w996 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(131)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x125e y6562 w997 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(125)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x125f y6562 w4c8 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(6)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x235 h8 y6912 ff5 fs5 fc3 sc0 ls5 ws5\">Currency risk<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x236 y6577 w98e h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Forward foreign exchange contract<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1260 y6577 w350 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">9,193<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1261 y6577 w998 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">609<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1262 y6577 w41a h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1263 y6577 w4dc h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">45<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1264 y6577 w4cc h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">45<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1265 y6577 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x236 y6566 w990 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Cross currency swaps<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1266 y6566 w94f h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">14,305<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1267 y6566 w999 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">729<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1268 y6566 w4da h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1269 y6566 w406 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">650<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x126a y6566 w99a h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">648<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x126b y6566 w4da h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6567 w96e h203\"><div class=\"t m0 x1ed h1a y65de ff5 fs5 fc3 sc0 ls5 ws5\">Total as at 31 December 2024<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x126c y6567 w99b h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">72,807<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x126d y6567 w96c h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">1,503<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x126e y6567 w8cd h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">285<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x126f y6567 w99c h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">564<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1270 y6567 w37d h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">568<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1271 y6567 w99d h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(4)<span class=\"_ _3eb\"> </span></div></td></tr></table>1 <span class=\"_ _b\"> </span><span class=\"ff4\">This represents a gain/(loss) change in fair value used for calculating hedge ineffectiveness.<span class=\"_ _3eb\"> </span></span>Hedged items in <span class=\"_ _7\"></span>cash flow <span class=\"_ _7\"></span>hedges<span class=\"_ _3eb\"> </span><table class=\"s w99e h266\" id=\"_5d3155da-a18f-43c7-becb-730986155029\"><tr><td></td><td></td><td class=\"c n x86a y6913 w306 h204\"><div class=\"t m0 x1ed h38 y6563 ff5 fs17 fc0 sc0 ls21 ws20\">2025<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td class=\"c n x86b y6913 w46b h205\"><div class=\"t m0 x1ed h38 y6563 ff1 fs17 fc3 sc0 ls21 ws20\">2024<span class=\"_ _3eb\"> </span></div></td><td></td></tr><tr><td></td><td></td><td></td><td class=\"t m0 x1272 h38 y6914 ff5 fs17 fc0 sc0 ls21 ws20\">Cumulative </td><td></td><td></td><td class=\"t m0 x123d h39 y6914 ff1 fs17 fc3 sc0 ls21 ws20\">Cumulative </td></tr><tr><td></td><td></td><td></td><td class=\"t m0 x1273 h38 y6915 ff5 fs17 fc0 sc0 ls21 ws20\">balance in<span class=\"_ gs40f\"> </span>the </td><td></td><td></td><td class=\"t m0 x2e3 h2c y6915 ff4 fs17 fc3 sc0 ls21 ws20\">balance in<span class=\"_ gs490\"> </span>the </td></tr><tr><td></td><td></td><td></td><td class=\"t m0 x1274 h38 y6916 ff5 fs17 fc0 sc0 ls21 ws20\">cash flow hedge </td><td></td><td></td><td class=\"t m0 x2fc h39 y6916 ff1 fs17 fc3 sc0 ls21 ws0\">cash flow hedge </td></tr><tr><td></td><td class=\"t m0 x1275 h38 y6917 ff5 fs17 fc0 sc0 ls21 ws20\">Change in fair </td><td></td><td class=\"t m0 x1276 h38 y6917 ff5 fs17 fc0 sc0 ls21 ws20\">reserve from </td><td class=\"t m0 x4ad h39 y6917 ff1 fs17 fc3 sc0 ls21 ws0\">Change in fair </td><td></td><td class=\"t m0 x1277 h39 y6917 ff1 fs17 fc3 sc0 ls21 ws0\">reserve from </td></tr><tr><td></td><td class=\"t m0 x1278 h38 y6918 ff5 fs17 fc0 sc0 ls21 ws20\">value used for </td><td></td><td class=\"t m0 x1279 h38 y6918 ff5 fs17 fc0 sc0 ls21 ws20\">de-designated </td><td class=\"t m0 x4ad h39 y6918 ff1 fs17 fc3 sc0 ls21 ws0\">value used for </td><td></td><td class=\"t m0 x123c h39 y6918 ff1 fs17 fc3 sc0 ls21 ws20\">de-designated </td></tr><tr><td></td><td class=\"t m0 x127a h38 y6919 ff5 fs17 fc0 sc0 ls21 ws20\">calculating hedge<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xc27 h38 y6919 ff5 fs17 fc0 sc0 ls21 ws20\">Cash flow hedge </td><td class=\"t m0 x2e6 h38 y6919 ff5 fs17 fc0 sc0 ls21 ws20\">hedge </td><td class=\"t m0 x127b h39 y6919 ff1 fs17 fc3 sc0 ls21 ws0\">calculating hedge<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x127c h39 y6919 ff1 fs17 fc3 sc0 ls21 ws0\">Cash flow hedge </td><td class=\"t m0 x2fd h39 y6919 ff1 fs17 fc3 sc0 ls21 ws20\">hedge </td></tr><tr><td></td><td class=\"c x127e y691a w99f h262\"><div class=\"t m0 x1ed h38 y6563 ff5 fs17 fc0 sc0 ls21 ws20\">ineffectiveness</div><div class=\"t m0 x127d ha7 y68e2 ff5 fs19 fc0 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x2d9 h38 y691b ff5 fs17 fc0 sc0 ls21 ws20\">reserve<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x670 h38 y691b ff5 fs17 fc0 sc0 ls21 ws20\">relationships<span class=\"_ _3eb\"> </span></td><td class=\"c x1242 y691d w9a0 h204\"><div class=\"t m0 x1ed h2c y6696 ff4 fs17 fc3 sc0 ls21 ws20\">ineffectiveness</div><div class=\"t m0 x1241 h3a y691c ff1 fs19 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x127f h39 y691b ff1 fs17 fc3 sc0 ls21 ws20\">reserve<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1280 h2c y691b ff4 fs17 fc3 sc0 ls21 ws20\">relationships<span class=\"_ _3eb\"> </span></td></tr><tr><td></td><td class=\"t m0 x2f7 h38 y691e ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x2c9 h38 y691e ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x4be h38 y691e ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x2fa h2c y691e ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x233 h2c y691e ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x234 h2c y691e ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c n x1ee y6561 wf5 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Customer accounts<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1281 y6561 w9a1 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">122<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1282 y6561 w298 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(1)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1283 y6561 w947 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">78<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1284 y6561 w9a2 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(199)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1285 y6561 w9a3 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(38)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1286 y6561 w9a4 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">104<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6562 w97b h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">Debt securities and other eligible bills<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1287 y6562 w9a1 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">122<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1288 y6562 w47b h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">4<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1289 y6562 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x128a y6562 w9a5 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(354)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x128b y6562 w7aa h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(10)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x128c y6562 w4db h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(5)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6610 wcb h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Loans and advances to customers<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x128d y6610 w285 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(379)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x128e y6610 w5de h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">243<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x128f y6610 w473 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">61<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1290 y6610 w8ca h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">124<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1291 y6610 w3cd h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(27)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1292 y6610 w47e h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(7)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6577 w9a6 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Intragroup lending currency hedge<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1293 y6577 w9a7 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">38<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1294 y6577 w2f0 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1295 y6577 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1296 y6577 w49b h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(55)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1297 y6577 w9a8 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(2)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11dc y6577 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6566 w9a9 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Intragroup borrowing currency hedge<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1298 y6566 w7d9 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">76<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1299 y6566 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x129a y6566 w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x129b y6566 w9aa h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(84)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x129c y6566 w3c h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls0 ws0\">4<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1218 y6566 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6567 w9ab h203\"><div class=\"t m0 x1ed h3d y655f ff5 fs5 fc3 sc0 ls5 ws5\">Total as at 31 December<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x129d y6567 w266 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(21)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x129e y6567 w9ac h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">248<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x129f y6567 w15f h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">139<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x12a0 y6567 w9ad h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(568)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x12a1 y6567 w2b3 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(73)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x12a2 y6567 w9ae h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">92<span class=\"_ _3eb\"> </span></div></td></tr></table>1 <span class=\"_ _b\"> </span><span class=\"ff4\">This represents a gain/(loss) change in fair value used for calculating hedge ineffectiveness.<span class=\"_ _3eb\"> </span></span>Impact of cash <span class=\"_ _7\"></span>flow hedges <span class=\"_ _7\"></span>on profit and <span class=\"_ _7\"></span>loss and <span class=\"_ _7\"></span>other comprehensive income<span class=\"_ _3eb\"> </span><table class=\"s w9af h267\" id=\"_6cf25a92-b420-4bc7-a513-deeda80b92c0\"><tr><td></td><td class=\"t m0 x1e8 h38 y691f ff5 fs17 fc0 sc0 ls21 ws20\">2025<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1e9 h39 y691f ff1 fs17 fc3 sc0 ls21 ws20\">2024<span class=\"_ _3eb\"> </span></td></tr><tr><td></td><td class=\"t m0 x1eb h38 y6920 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1ec h2c y6920 ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c n x1ee y65f5 w9b0 h1fe\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Cash flow hedge reserve balance as at 1 January<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x12a3 y65f5 w4a0 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">4<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x12a4 y65f5 w2b4 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">91<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x221 h3b y6921 ff1 fs5 fc3 sc0 ls5 ws0\">Gain recognised in other comprehensive income on effective portion of changes in fair value </td><td></td><td></td></tr><tr><td class=\"c n x1ee y6610 w9b1 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">of<span class=\"_ gs1a1\"> </span>hedging<span class=\"_ gs1a1\"> </span>instruments<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x12a5 y6610 w9b2 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">21<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x12a6 y6610 w117 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">568<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6577 w9b3 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">Loss/(Gain) reclassified to income statement when hedged <span class=\"_ _7\"></span>item affected net profit<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x12a7 y6577 w9b4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">347<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x12a8 y6577 w9b5 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(669)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6566 w9b6 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Taxation charge relating to cash flow hedges<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x12a9 y6566 w484 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(57)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x12aa y6566 w9e h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">14<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6567 w9b7 h201\"><div class=\"t m0 x1ed h3d y6548 ff5 fs5 fc3 sc0 ls5 ws5\">Cash flow hedge reserve balance as at <span class=\"_ _7\"></span>31 December<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x12ab y6567 w3ed h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">315<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x12ac y6567 w3c h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls0 ws0\">4<span class=\"_ _3eb\"> </span></div></td></tr></table>Net investment hedges<span class=\"_ _3eb\"> </span>Foreign currency exposures arise from investments <span class=\"_ _7\"></span>in subsidiaries that have a different functional <span class=\"_ _7\"></span>currency from that of the presentation currency of the parent. This <span class=\"_ _7\"></span>risk arises from the fluctuation in spot <span class=\"_ _7\"></span>exchange rates between the functional currency of the subsidiaries and the parent\u2019s <span class=\"_ _7\"></span>functional currency, which causes the value of <span class=\"_ _7\"></span>the investment to vary.<span class=\"_ _3eb\"> </span>The Group\u2019s policy is to hedge <span class=\"_ _7\"></span>these exposures only when not doing so <span class=\"_ _7\"></span>would be expected to have a <span class=\"_ _7\"></span>significant impact on the regulatory ratios of the Group and <span class=\"_ _7\"></span>its banking subsidiaries. The Group uses foreign <span class=\"_ _7\"></span>exchange forwards to manage the effect of<span class=\"_ gs36\"> </span>exchange rates on its net investments <span class=\"_ _7\"></span>in foreign subsidiaries.<span class=\"_ _3eb\"> </span><table class=\"s w9b8 h268\" id=\"_7c15c6b1-3cc7-4b2d-b21c-17a3aaff89db\"><tr><td></td><td></td><td></td><td></td><td class=\"c n x12ad y6922 w9b9 h215\"><div class=\"t m0 x1ed h38 y6563 ff5 fs17 fc0 sc0 ls21 ws20\">Changes in the<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"t m0 x1201 h38 y6923 ff5 fs17 fc0 sc0 ls21 ws20\">Carrying Amount<span class=\"_ _3eb\"> </span></td><td></td><td class=\"c x12af y6924 w9ba h215\"><div class=\"t m0 x1ed h38 y6563 ff5 fs17 fc0 sc0 ls21 ws20\">Change in fair<span class=\"_ _3eb\"> </span></div><div class=\"t m0 x12ae h38 y6563 ff5 fs17 fc0 sc0 ls21 ws20\">value of the<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"c n x12b0 y6925 w974 h215\"><div class=\"t m0 x1ed h38 y6563 ff5 fs17 fc0 sc0 ls21 ws20\">value used to<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x8b9 h38 y6926 ff5 fs17 fc0 sc0 ls21 ws20\">hedging </td><td class=\"t m0 x607 h38 y6926 ff5 fs17 fc0 sc0 ls21 ws20\">Ineffectiveness </td><td class=\"t m0 x12b1 h38 y6926 ff5 fs17 fc0 sc0 ls21 ws20\">Amount </td></tr><tr><td></td><td></td><td></td><td></td><td class=\"c n x12b2 y6927 w975 h215\"><div class=\"t m0 x1ed h38 y6563 ff5 fs17 fc0 sc0 ls21 ws20\">calculate hedge<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x12b3 h38 y6928 ff5 fs17 fc0 sc0 ls21 ws20\">instrument </td><td class=\"t m0 x9d3 h38 y6928 ff5 fs17 fc0 sc0 ls21 ws20\">recognised in </td><td class=\"t m0 x12b4 h38 y6928 ff5 fs17 fc0 sc0 ls21 ws20\">reclassified from </td></tr><tr><td class=\"t m0 x221 h38 y6929 ff5 fs17 fc3 sc0 ls21 ws20\">Derivative forward </td><td class=\"t m0 x12b5 h38 y6929 ff5 fs17 fc0 sc0 ls21 ws20\">Notional <span class=\"ff2 ls0 ws0\"> </span></td><td class=\"t m0 x8f6 h38 y6929 ff5 fs17 fc0 sc0 ls21 ws20\">Asset <span class=\"ff2 ls0 ws0\"> </span></td><td class=\"t m0 x1206 h38 y6929 ff5 fs17 fc0 sc0 ls21 ws20\">Liability<span class=\"ff2 ls0 ws0\"> </span></td><td class=\"c x12b7 y692a w9bb h21b\"><div class=\"t m0 x1ed h38 y6563 ff5 fs17 fc0 sc0 ls21 ws20\">ineffectiveness</div><div class=\"t m0 x12b6 ha7 y65fd ff5 fs19 fc0 sc0 ls0 ws0\">2</div></td><td class=\"t m0 xf45 h38 y6929 ff5 fs17 fc0 sc0 ls21 ws20\">recognised in OCI<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xdec h38 y6929 ff5 fs17 fc0 sc0 ls21 ws20\">profit or loss<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x9d0 h38 y6929 ff5 fs17 fc0 sc0 ls21 ws20\">reserves to income<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c x1ee y692b w9bc h262\"><div class=\"t m0 x1ed h38 y6563 ff5 fs17 fc3 sc0 ls21 ws20\">currency<span class=\"_ gs40f\"> </span>contracts</div><div class=\"t m0 x12b8 ha7 y68e2 ff5 fs19 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x12b9 h38 y692c ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x8f9 h38 y692c ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x8bc h38 y692c ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"c n x823 y692b w173 h215\"><div class=\"t m0 x1ed h38 y6563 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x405 h38 y692c ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1eb h38 y692c ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1ec h38 y692c ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c n x1ee y662c w9bd h201\"><div class=\"t m0 x1ed h3d y6548 ff5 fs5 fc3 sc0 ls5 ws5\">As at 31 December 2025<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x12ba y662c w413 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">17,155<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x12bb y662c w9be h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">440<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x12bc y662c w1e6 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">23<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x12bd y662c w9f h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">129<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x12be y662c w33b h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">129<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x12bf y662c w1cf h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x12c0 y662c w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6567 w9bf h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">As at 31 December 2024<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x12c1 y6567 w6fb h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">14,137<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x12c2 y6567 w9c0 h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">300<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x12c3 y6567 w9c1 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">7<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x12c4 y6567 wa0 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">678<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x12c5 y6567 wa0 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">678<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x960 y6567 w1cf h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x12c6 y6567 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr></table>1 <span class=\"_ _b\"> </span><span class=\"ff4\">These derivative forward currency contracts have a maturity of less than one year. <span class=\"_ _7\"></span>The hedges are rolled on a periodic basis.<span class=\"_ _3eb\"> </span></span>2 <span class=\"_ _f\"> </span><span class=\"ff4\">This represents a gain/(loss) change in fair value used for calculating hedge <span class=\"_ _7\"></span>ineffectiveness.<span class=\"_ _3eb\"> </span></span>Hedged items in net investment hedges<span class=\"_ _3eb\"> </span><table class=\"s w9c2 h269\" id=\"_9b8e66e6-999b-4031-9b49-282e8bf3522a\"><tr><td></td><td></td><td class=\"c n x113c y692d w306 h204\"><div class=\"t m0 x1ed h38 y6563 ff5 fs17 fc0 sc0 ls21 ws20\">2025<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td class=\"c n x113d y692d w46b h205\"><div class=\"t m0 x1ed h38 y6563 ff1 fs17 fc3 sc0 ls21 ws20\">2024<span class=\"_ _3eb\"> </span></div></td><td></td></tr><tr><td></td><td></td><td></td><td class=\"t m0 x12c7 h38 y692e ff5 fs17 fc0 sc0 ls21 ws20\">Balances </td><td></td><td></td><td class=\"t m0 x12c8 h39 y692e ff1 fs17 fc3 sc0 ls21 ws20\">Balances </td></tr><tr><td></td><td></td><td></td><td class=\"t m0 x9cd h38 y692f ff5 fs17 fc0 sc0 ls21 ws20\">remaining in the </td><td></td><td></td><td class=\"t m0 x12b4 h2c y692f ff4 fs17 fc3 sc0 ls21 ws20\">remaining in the </td></tr><tr><td></td><td></td><td></td><td class=\"t m0 x12c9 h38 y6930 ff5 fs17 fc0 sc0 ls21 ws20\">translation reserve </td><td></td><td></td><td class=\"t m0 x9d0 h39 y6930 ff1 fs17 fc3 sc0 ls21 ws0\">translation reserve </td></tr><tr><td></td><td></td><td></td><td class=\"t m0 x60f h38 y6931 ff5 fs17 fc0 sc0 ls21 ws20\">from hedging </td><td></td><td></td><td class=\"t m0 x12ca h39 y6931 ff1 fs17 fc3 sc0 ls21 ws0\">from hedging </td></tr><tr><td></td><td class=\"t m0 xf43 h38 y6932 ff5 fs17 fc0 sc0 ls21 ws20\">Change in fair </td><td></td><td class=\"t m0 x9cd h38 y6932 ff5 fs17 fc0 sc0 ls21 ws20\">relationships for </td><td class=\"t m0 x12cb h39 y6932 ff1 fs17 fc3 sc0 ls21 ws0\">Change in the </td><td></td><td class=\"t m0 x12cc h2c y6932 ff4 fs17 fc3 sc0 ls21 ws20\">relationships for </td></tr><tr><td></td><td class=\"t m0 xf43 h38 y6933 ff5 fs17 fc0 sc0 ls21 ws20\">value used for </td><td></td><td class=\"t m0 x9cb h38 y6933 ff5 fs17 fc0 sc0 ls21 ws20\">which hedge </td><td class=\"t m0 x12cd h39 y6933 ff1 fs17 fc3 sc0 ls21 ws0\">value used for </td><td></td><td class=\"t m0 x11c3 h39 y6933 ff1 fs17 fc3 sc0 ls21 ws0\">which hedge </td></tr><tr><td></td><td class=\"t m0 x12ce h38 y6934 ff5 fs17 fc0 sc0 ls21 ws20\">calculating hedge<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x10c2 h38 y6934 ff5 fs17 fc0 sc0 ls21 ws20\">Translation<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x9cd h38 y6934 ff2 fs17 fc0 sc0 ls21 ws0\">accounting is no </td><td class=\"t m0 xf48 h39 y6934 ff1 fs17 fc3 sc0 ls21 ws0\">calculating hedge<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x10c3 h39 y6934 ff1 fs17 fc3 sc0 ls21 ws20\">Translation<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x12b4 h39 y6934 ff1 fs17 fc3 sc0 ls21 ws0\">accounting is no </td></tr><tr><td></td><td class=\"c x12d0 y6935 w9c3 h262\"><div class=\"t m0 x1ed h38 y6563 ff5 fs17 fc0 sc0 ls21 ws20\">ineffectiveness</div><div class=\"t m0 x12cf ha7 y68e2 ff5 fs19 fc0 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c x12d2 y6935 w9c4 h262\"><div class=\"t m0 x1ed h38 y6563 ff5 fs17 fc0 sc0 ls21 ws20\">reserve</div><div class=\"t m0 x12d1 ha7 y68e2 ff5 fs19 fc0 sc0 ls0 ws0\">2</div></td><td class=\"t m0 x12d3 h38 y6936 ff5 fs17 fc0 sc0 ls21 ws20\">longer applied<span class=\"_ _3eb\"> </span></td><td class=\"c x12ad y6937 w9c5 h204\"><div class=\"t m0 x1ed h2c y6696 ff4 fs17 fc3 sc0 ls21 ws20\">ineffectiveness</div><div class=\"t m0 x12d4 h3a y691c ff1 fs19 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c x12d6 y6939 w9c6 h26a\"><div class=\"t m0 x1ed h39 y6632 ff1 fs17 fc3 sc0 ls21 ws20\">reserve</div><div class=\"t m0 x12d5 h3a y6938 ff1 fs19 fc3 sc0 ls0 ws0\">2</div></td><td class=\"t m0 x12d7 h39 y6936 ff1 fs17 fc3 sc0 ls21 ws0\">longer applied<span class=\"_ _3eb\"> </span></td></tr><tr><td></td><td class=\"t m0 x8f9 h38 y693a ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x8bc h38 y693a ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x404 h38 y693a ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x405 h2c y693a ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x8fa h2c y693a ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1ec h2c y693a ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c n x1ee y68ca w9c7 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Net investments<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x12d8 y68ca w5a6 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(129)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x12d9 y68ca w1a3 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">417<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x12da y68ca w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x12db y68ca w9c8 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(678)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x12dc y68ca wee h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">293<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x12dd y68ca w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr></table>1 <span class=\"_ _b\"> </span><span class=\"ff4\">This represents a gain/(loss) change in fair value used for calculating hedge ineffectiveness.<span class=\"_ _3eb\"> </span></span>2 <span class=\"_ _f\"> </span><span class=\"ff4\">This represents the mark-to-market including accrued interest on live hedges at 31 <span class=\"_ _7\"></span>December.<span class=\"_ _3eb\"> </span></span>Impact of net investment hedges on other comprehensive income<span class=\"_ _3eb\"> </span><table class=\"s w9c9 h26b\" id=\"_de9c35b0-f7b7-4900-b91a-1b6c8ec0abca\"><tr><td></td><td class=\"t m0 x1e8 h38 y693b ff5 fs17 fc0 sc0 ls21 ws20\">2025<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1e9 h39 y693b ff1 fs17 fc3 sc0 ls21 ws20\">2024<span class=\"_ _3eb\"> </span></td></tr><tr><td></td><td class=\"t m0 x1eb h38 y693c ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1ec h2c y693c ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c n x1ee y68ca w9ca h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Gains recognised in other comprehensive income<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x12de y68ca w9f h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">129<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x12df y68ca w9cb h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">678<span class=\"_ _3eb\"> </span></div></td></tr></table><div class=\"t m0 hc ff6 fs8 fc2 sc0 ls8 ws0 gs5d7\">Maturity of hedging instruments<span class=\"_ _3eb\"> </span></div><div class=\"gs1b7\"><table class=\"s w9cc h26c\" id=\"_ec2c5aa9-b400-44e4-bf56-d5fd6b9972e4\"><tr><td></td><td></td><td></td><td class=\"c n x86a y693d w306 h215\"><div class=\"t m0 x1ed h38 y6563 ff5 fs17 fc0 sc0 ls21 ws20\">2025<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td></td><td class=\"c n x86b y693d w46b h205\"><div class=\"t m0 x1ed h38 y6563 ff1 fs17 fc3 sc0 ls21 ws20\">2024<span class=\"_ _3eb\"> </span></div></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td class=\"t m0 x12e0 h38 y693e ff5 fs17 fc0 sc0 ls21 ws20\">More than </td><td></td><td></td><td></td><td class=\"t m0 x4af h39 y693e ff1 fs17 fc3 sc0 ls21 ws0\">More than </td><td></td><td></td></tr><tr><td></td><td></td><td></td><td class=\"t m0 x12e1 h38 y693f ff5 fs17 fc0 sc0 ls21 ws20\">one month </td><td></td><td></td><td></td><td class=\"t m0 x4ae h39 y693f ff1 fs17 fc3 sc0 ls21 ws0\">one month </td><td></td><td></td></tr><tr><td></td><td></td><td class=\"t m0 x12e2 h38 y6940 ff5 fs17 fc0 sc0 ls21 ws20\">Less than<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x12e3 h38 y6940 ff5 fs17 fc0 sc0 ls21 ws20\">and less than </td><td class=\"t m0 x12e4 h38 y6940 ff5 fs17 fc0 sc0 ls21 ws20\">One to five </td><td class=\"t m0 x6c3 h38 y6940 ff5 fs17 fc0 sc0 ls21 ws20\">More than </td><td class=\"t m0 xad6 h39 y6940 ff1 fs17 fc3 sc0 ls21 ws0\">Less than<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x12e5 h39 y6940 ff1 fs17 fc3 sc0 ls21 ws0\">and less than </td><td class=\"t m0 x2dc h39 y6940 ff1 fs17 fc3 sc0 ls21 ws0\">One to five </td><td class=\"t m0 xe32 h39 y6940 ff1 fs17 fc3 sc0 ls21 ws0\">More than </td></tr><tr><td class=\"t m0 x235 h38 y6941 ff5 fs17 fc3 sc0 ls21 ws20\">Fair value hedges<span class=\"_ _3eb\"> </span></td><td></td><td class=\"t m0 x2d0 h38 y6941 ff5 fs17 fc0 sc0 ls21 ws20\">one month<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x666 h38 y6941 ff5 fs17 fc0 sc0 ls21 ws20\">one year<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x12e6 h38 y6941 ff5 fs17 fc0 sc0 ls21 ws20\">years </td><td class=\"t m0 x12e7 h38 y6941 ff5 fs17 fc0 sc0 ls21 ws20\">five years<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x2e7 h39 y6941 ff1 fs17 fc3 sc0 ls21 ws0\">one month<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x12e8 h39 y6941 ff1 fs17 fc3 sc0 ls21 ws0\">one year<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x12e9 h39 y6941 ff1 fs17 fc3 sc0 ls21 ws20\">years </td><td class=\"t m0 x4bb h39 y6941 ff1 fs17 fc3 sc0 ls21 ws0\">five years<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"t m0 x235 h8 y6942 ff5 fs5 fc3 sc0 ls5 ws5\">Interest rate swap<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x236 y6943 w9cd h1fe\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">Notional<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x12ea y6943 w9ce h1ff\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">$million<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x12eb y6943 w9cf h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">1,820<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x12ec y6943 w5b h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">9,387<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x12ed y6943 w7dc h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">35,179<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x12ee y6943 w2e5 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">16,244<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x12ef y6943 w9d0 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">2,763<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x12f0 y6943 w763 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">11,260<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x12f1 y6943 w9d1 h1fe\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">32,030<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x12f2 y6943 w7c9 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">17,787<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x235 h8 y6944 ff5 fs5 fc3 sc0 ls5 ws5\">Cross currency swap<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x236 y6945 w9cd h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">Notional<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x12ea y6945 w9ce h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">$million<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x12f3 y6945 w2bc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x12f4 y6945 w2bc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x12f5 y6945 w7d h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">1,954<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x12f6 y6945 w1cf h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x12f7 y6945 w1cf h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x12f8 y6945 w1cf h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x12f9 y6945 w750 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">1,035<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x12fa y6945 w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x247 h3b y6946 ff1 fs5 fc3 sc0 ls5 ws0\">Average fixed interest rate </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x236 y6947 w9d2 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(to USD) (%)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x12fb y6947 w9d3 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">EUR<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x12fc y6947 w2bc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x12fd y6947 w2bc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x12fe y6947 w9d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff7 fs5 fc3 sc0 ls5 ws5\">2.26<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x12ff y6947 w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1300 y6947 w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1301 y6947 w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1302 y6947 w9d5 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">2.40<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1303 y6947 w1cf h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x236 y6948 w9d6 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Average exchange rate<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1304 y6948 w9d7 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">EUR/USD<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1305 y6948 w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1306 y6948 w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1307 y6948 w9d8 h201\"><div class=\"t m0 x1ed h3d y6548 ff7 fs5 fc3 sc0 ls5 ws5\">0.89<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1308 y6948 w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1309 y6948 w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x130a y6948 w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x130b y6948 w9d9 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">0.91<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x130c y6948 w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x235 h8 y6949 ff5 fs5 fc3 sc0 ls5 ws5\">Cash flow hedges<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m0 x235 h8 y694a ff5 fs5 fc3 sc0 ls5 ws5\">Interest rate swap<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x236 y694b w9cd h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">Notional<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x12ea y694b w9ce h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">$million<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x12eb y694b w1e3 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">1,544<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x130d y694b w9da h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">17,021<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x130e y694b w34d h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">41,054<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x130f y694b w9db h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">3,628<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1310 y694b w60 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">2,428<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1311 y694b w2f3 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">15,589<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1312 y694b w9dc h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">25,943<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1313 y694b w9dd h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">5,349<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x247 h3b y694c ff1 fs5 fc3 sc0 ls5 ws0\">Average fixed interest rate </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x236 y694d w9de h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(%)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1314 y694d w62b h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">USD<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1315 y694d w542 h201\"><div class=\"t m0 x1ed h3d y6548 ff7 fs5 fc3 sc0 ls5 ws5\">4.09<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1316 y694d w542 h201\"><div class=\"t m0 x1ed h3d y6548 ff7 fs5 fc3 sc0 ls5 ws5\">4.09<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1317 y694d w9df h201\"><div class=\"t m0 x1ed h3d y6548 ff7 fs5 fc3 sc0 ls5 ws5\">3.61<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1318 y694d w9e0 h201\"><div class=\"t m0 x1ed h3d y6548 ff7 fs5 fc3 sc0 ls5 ws5\">3.69<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1319 y694d w9e1 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">5.09<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x131a y694d w9e2 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">4.62<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x131b y694d w9e3 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">4.05<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x131c y694d w9e4 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">3.74<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x235 h8 y694e ff5 fs5 fc3 sc0 ls5 ws5\">Cross currency swap<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x236 y694f w9cd h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">Notional<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x12ea y694f w9ce h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">$million<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x131d y694f w8b7 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">622<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x131e y694f w9e5 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">2,568<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x131f y694f w1a3 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">714<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1320 y694f w1cf h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1321 y694f w9e6 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">880<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1322 y694f w9e7 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">12,232<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1323 y694f w9e8 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">1,193<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1303 y694f w1cf h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x247 h3b y6950 ff1 fs5 fc3 sc0 ls5 ws0\">Average fixed interest rate </td><td class=\"c n x1324 y6951 w96a h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">HKD<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1325 y6951 w9e9 h203\"><div class=\"t m0 x1ed h3d y655f ff7 fs5 fc3 sc0 ls5 ws5\">4.11<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1326 y6951 w9ea h203\"><div class=\"t m0 x1ed h3d y655f ff7 fs5 fc3 sc0 ls5 ws5\">3.14<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1327 y6951 w9eb h203\"><div class=\"t m0 x1ed h3d y655f ff7 fs5 fc3 sc0 ls5 ws5\">0.21<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1328 y6951 w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1329 y6951 w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x132a y6951 w9ec h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">4.07<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x132b y6951 w9ed h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">0.21<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x132c y6951 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x247 h1a y6952 ff4 fs5 fc3 sc0 ls5 ws5\">(%)<span class=\"_ _3eb\"> </span></td><td class=\"c n x1324 y6953 w6a3 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">KRO<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x132d y6953 w9d4 h203\"><div class=\"t m0 x1ed h3d y655f ff7 fs5 fc3 sc0 ls5 ws5\">2.62<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x132e y6953 w66b h203\"><div class=\"t m0 x1ed h3d y655f ff7 fs5 fc3 sc0 ls5 ws5\">2.44<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x132f y6953 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1330 y6953 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1331 y6953 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1332 y6953 w3ac h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">2.85<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1333 y6953 w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1334 y6953 w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td class=\"c n x1324 y6954 w9ee h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">JPY/HKD<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1335 y6954 w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1336 y6954 w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1337 y6954 w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1338 y6954 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1339 y6954 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x133a y6954 w9ef h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(0.05)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x133b y6954 w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x133c y6954 w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td class=\"c n x1324 y6955 w9f0 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">TWO<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x133d y6955 w9f1 h203\"><div class=\"t m0 x1ed h3d y655f ff7 fs5 fc3 sc0 ls5 ws5\">1.07<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x133e y6955 w9f2 h203\"><div class=\"t m0 x1ed h3d y655f ff7 fs5 fc3 sc0 ls5 ws5\">1.35<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x133f y6955 w9f3 h203\"><div class=\"t m0 x1ed h3d y655f ff7 fs5 fc3 sc0 ls5 ws5\">1.38<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1340 y6955 w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1341 y6955 w9f4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">0.53<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1342 y6955 we7 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">1.04<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1343 y6955 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1344 y6955 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td class=\"c n x1324 y6956 w9f5 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">CNO<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1345 y6956 w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1346 y6956 w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1347 y6956 w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1348 y6956 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1349 y6956 w9f6 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">2.45<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x134a y6956 w361 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">1.54<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x134b y6956 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x134c y6956 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td class=\"c n x1324 y6957 w5cf h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">JPY<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1345 y6957 w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1346 y6957 w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1347 y6957 w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1348 y6957 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1349 y6957 w469 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">0.01<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x134d y6957 w9f7 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">0.08<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x134e y6957 w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x134f y6957 w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x236 y6958 w9d6 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Average exchange rate<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1304 y6958 w9f8 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">HKD/USD<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1350 y6958 w3a4 h203\"><div class=\"t m0 x1ed h3d y655f ff7 fs5 fc3 sc0 ls5 ws5\">7.77<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1351 y6958 w9f9 h203\"><div class=\"t m0 x1ed h3d y655f ff7 fs5 fc3 sc0 ls5 ws5\">7.78<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1352 y6958 w9fa h203\"><div class=\"t m0 x1ed h3d y655f ff7 fs5 fc3 sc0 ls5 ws5\">7.85<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1353 y6958 w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1354 y6958 w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1355 y6958 w109 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">7.78<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1356 y6958 wb9 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">7.85<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1357 y6958 w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td class=\"c n x1324 y6959 w9fb h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">KRO/USD<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1358 y6959 w9fc h203\"><div class=\"t m0 x1ed h3d y655f ff7 fs5 fc3 sc0 ls5 ws5\">1,454.00<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1359 y6959 w9fd h203\"><div class=\"t m0 x1ed h3d y655f ff7 fs5 fc3 sc0 ls5 ws5\">1,446.78<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x135a y6959 w9fe h203\"><div class=\"t m0 x1ed h3d y655f ff7 fs5 fc3 sc0 ls5 ws5\">1,300.90<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x135b y6959 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x135c y6959 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x135d y6959 w1c5 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">1,386.94<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x135e y6959 w9ff h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">1,300.90<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x135f y6959 w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td class=\"c n x1324 y695a wa00 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">TWO/USD<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1360 y695a wa01 h203\"><div class=\"t m0 x1ed h3d y655f ff7 fs5 fc3 sc0 ls5 ws5\">31.91<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1361 y695a wa02 h203\"><div class=\"t m0 x1ed h3d y655f ff7 fs5 fc3 sc0 ls5 ws5\">29.97<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1362 y695a wa03 h203\"><div class=\"t m0 x1ed h3d y655f ff7 fs5 fc3 sc0 ls5 ws5\">29.42<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1363 y695a w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1364 y695a w444 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">31.83<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1365 y695a w26c h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">32.22<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1366 y695a w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1367 y695a w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td class=\"c n x1324 y695b wa04 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">CNO/USD<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1368 y695b w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1369 y695b w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x136a y695b w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x136b y695b w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x136c y695b w2bf h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">7.18<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x136d y695b w408 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">7.20<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x136e y695b w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x136f y695b w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td class=\"c n x1324 y695c w9ee h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">JPY/HKD<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1335 y695c w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1336 y695c w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1337 y695c w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1338 y695c w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1339 y695c w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1370 y695c w4df h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">18.12<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1371 y695c w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1372 y695c w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x235 h8 y695d ff5 fs5 fc3 sc0 ls5 ws5\">Forward foreign exchange </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m0 x235 h8 y695e ff2 fs5 fc3 sc0 ls5 ws5\">contracts<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x236 y655a w9cd h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">Notional<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x12ea y655a w9ce h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">$million<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1373 y655a wa05 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">1,736<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x131e y655a w9db h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">8,236<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1374 y655a w397 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">296<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1375 y655a w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1376 y655a w71 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">2,044<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1377 y655a wa06 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">7,149<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1378 y655a w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1379 y655a w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x236 y655c w9d6 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Average exchange rate<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1304 y655c wa07 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">BRL/USD<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x137a y655c w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x137b y655c w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x137c y655c w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x137d y655c w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x137e y655c w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x137f y655c wa08 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">6.54<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1380 y655c w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1357 y655c w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td class=\"c n x1324 y655d w9f8 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">HKD/USD<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1381 y655d w3a4 h203\"><div class=\"t m0 x1ed h3d y655f ff7 fs5 fc3 sc0 ls5 ws5\">7.77<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1382 y655d w3a4 h203\"><div class=\"t m0 x1ed h3d y655f ff7 fs5 fc3 sc0 ls5 ws5\">7.77<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1383 y655d w9fa h203\"><div class=\"t m0 x1ed h3d y655f ff7 fs5 fc3 sc0 ls5 ws5\">7.85<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n x1384 y655d w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1385 y655d w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1386 y655d w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1387 y655d w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td class=\"c n x1324 y6573 wa09 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">JPY/USD<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1388 y6573 wa0a h203\"><div class=\"t m0 x1ed h3d y655f ff7 fs5 fc3 sc0 ls5 ws5\">153.02<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1389 y6573 w944 h203\"><div class=\"t m0 x1ed h3d y655f ff7 fs5 fc3 sc0 ls5 ws5\">148.53<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x138a y6573 w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x138b y6573 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x138c y6573 wa0b h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">147.38<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x138d y6573 wa0c h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">145.65<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x138e y6573 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x138f y6573 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x235 h8 y695f ff5 fs5 fc3 sc0 ls5 ws5\">Net investment hedges<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m0 x235 h8 y6960 ff5 fs5 fc3 sc0 ls5 ws5\">Foreign exchange derivatives<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x236 y6561 w9cd h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">Notional<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x12ea y6561 w9ce h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">$million<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1390 y6561 wa0d h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">17,126<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1391 y6561 w66 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">29<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1392 y6561 w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1393 y6561 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1394 y6561 w55d h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">14,137<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1395 y6561 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1396 y6561 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1397 y6561 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x236 y6610 w9d6 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Average exchange rate<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1304 y6610 wa0e h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">CNY/USD<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1398 y6610 wa0f h203\"><div class=\"t m0 x1ed h3d y655f ff7 fs5 fc3 sc0 ls5 ws5\">7.07<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1399 y6610 w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x139a y6610 w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x139b y6610 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x139c y6610 wa10 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">7.13<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x139d y6610 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x139e y6610 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x139f y6610 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td class=\"c n x1324 y6577 wa11 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">KRW/USD<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x13a0 y6577 wa12 h203\"><div class=\"t m0 x1ed h3d y655f ff7 fs5 fc3 sc0 ls5 ws5\">1,358.41<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x13a1 y6577 w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x13a2 y6577 w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x13a3 y6577 w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x13a4 y6577 wa13 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">1,364.97<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x13a5 y6577 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x13a6 y6577 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x13a7 y6577 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td class=\"c n x1324 y6566 w9f8 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">HKD/USD<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1381 y6566 w3a4 h203\"><div class=\"t m0 x1ed h3d y655f ff7 fs5 fc3 sc0 ls5 ws5\">7.77<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x13a8 y6566 w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x13a9 y6566 w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x13aa y6566 w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x13ab y6566 w386 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">7.77<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x13ac y6566 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x13ad y6566 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x13ae y6566 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td class=\"c n x1324 y6567 wa14 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">INR/USD<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x13af y6567 wa15 h203\"><div class=\"t m0 x1ed h3d y655f ff7 fs5 fc3 sc0 ls5 ws5\">86.63<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x13b0 y6567 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x13b1 y6567 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x13b2 y6567 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x13b3 y6567 w203 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">84.07<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x13b4 y6567 w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x13b5 y6567 w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x13b6 y6567 w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr></table></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfDerivativeFinancialInstrumentsExplanatory",
    "language": "en",
    "entity": "scheme:U4LOSYZ7YG4W3S5F2G91",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-745": {
   "value": "Accounting policy<span class=\"_ _3eb\"> </span>Fair values may be obtained from quoted market prices in active markets, recent market transactions, and valuation techniques, including discounted cash flow models <span class=\"_ _7\"></span>and option pricing models, as appropriate. Where <span class=\"_ _7\"></span>the initially recognised fair value of a derivative contract <span class=\"_ _7\"></span>is based on a valuation model that <span class=\"_ _7\"></span>uses inputs which are not observable <span class=\"_ _7\"></span>in the market, it<span class=\"_ gs36\"> </span>follows the same initial recognition accounting <span class=\"_ _7\"></span>policy as for other financial assets and <span class=\"_ _7\"></span>liabilities. All derivatives are carried as assets when fair value is <span class=\"_ _7\"></span>positive and as liabilities when fair value <span class=\"_ _7\"></span>is negative.<span class=\"_ _3eb\"> </span>Hedge accounting<span class=\"_ _3eb\"> </span>Under certain conditions, the Group may <span class=\"_ _7\"></span>designate a recognised asset or liability, a <span class=\"_ _7\"></span>firm commitment, highly probable forecast transaction or net investment of <span class=\"_ _7\"></span>a foreign operation into a formal hedge <span class=\"_ _7\"></span>accounting relationship with a derivative that has been entered to manage <span class=\"_ _7\"></span>interest rate and/or foreign exchange risks present <span class=\"_ _7\"></span>in the hedged item. The Group <span class=\"_ _7\"></span>has elected to continue applying IAS 39 <span class=\"_ _7\"></span>for hedge accounting.<span class=\"_ _3eb\"> </span>There are three categories of hedge <span class=\"_ _7\"></span>relationships: <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">Fair value hedge: to manage the fair value of interest rate and/or <span class=\"_ _7\"></span>foreign currency risks of recognised assets <span class=\"_ _7\"></span>or liabilities </span>or<span class=\"_ gs36\"> </span>firm commitments <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">Cash flow hedge: to manage interest rate or foreign exchange risk of <span class=\"_ _7\"></span>highly probable future cash flows attributable </span>to<span class=\"_ gs36\"> </span>a<span class=\"_ gs36\"> </span>recognised asset or liability, or a <span class=\"_ _7\"></span>forecasted transaction <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">Net investment hedge: to manage the structural foreign exchange risk of an <span class=\"_ _7\"></span>investment in a foreign operation<span class=\"_ _3eb\"> </span></span>The Group assesses, both at hedge <span class=\"_ _7\"></span>inception and on a quarterly basis, whether <span class=\"_ _7\"></span>the derivatives designated in hedge relationships are highly effective in offsetting <span class=\"_ _7\"></span>changes in fair values or cash flows <span class=\"_ _7\"></span>of hedged items. Hedges are considered to<span class=\"_ gs36\"> </span>be highly effective if all the <span class=\"_ _7\"></span>following criteria are met: <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">At inception of the hedge and throughout its life, the hedge is <span class=\"_ _7\"></span>prospectively expected to be highly effective <span class=\"_ _7\"></span>in achieving </span>offsetting changes in fair value or cash flows attributable to the hedged risk <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">Prospective and retrospective effectiveness of the hedge should be within a range <span class=\"_ _7\"></span>of 80\u2013125%. This is tested using </span>regression analysis  <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">This is tested using regression analysis where the slope of the regression <span class=\"_ _7\"></span>line must be between -0.80 and <span class=\"_ _7\"></span>-1.25 and </span>the<span class=\"_ gs36\"> </span>data pairs between the hedged item <span class=\"_ _7\"></span>and the hedging instrument are regressed to <span class=\"_ _7\"></span>a 95% confidence interval. The<span class=\"_ gs36\"> </span>regression co-efficient (R squared), which measures <span class=\"_ _7\"></span>the correlation between the variables in the <span class=\"_ _7\"></span>regression, is<span class=\"_ gs36\"> </span>at<span class=\"_ gs36\"> </span>least<span class=\"_ gs36\"> </span>80%.<span class=\"_ _3eb\"> </span>In the case of the hedge <span class=\"_ _7\"></span>of a forecast transaction, the transaction must <span class=\"_ _7\"></span>have a high probability of occurring <span class=\"_ _7\"></span>and must present an exposure to variations in <span class=\"_ _7\"></span>cash flows that are expected to affect <span class=\"_ _7\"></span>reported profit or loss.<span class=\"_ _3eb\"> </span>Fair value <span class=\"_ _7\"></span>hedge<span class=\"_ _3eb\"> </span>Changes in the fair value of <span class=\"_ _7\"></span>derivatives that are designated and qualify as <span class=\"_ _7\"></span>fair value hedging instruments are recorded in<span class=\"_ gs36\"> </span>net<span class=\"_ gs36\"> </span>trading income, together with any changes <span class=\"_ _7\"></span>in the fair value of the hedged <span class=\"_ _7\"></span>asset or liability that are attributable <span class=\"_ _7\"></span>to the<span class=\"_ gs36\"> </span>hedged risk. If the hedge no <span class=\"_ _7\"></span>longer meets the criteria for hedge accounting, <span class=\"_ _7\"></span>the adjustment to the carrying amount of<span class=\"_ gs36\"> </span>a<span class=\"_ gs36\"> </span>hedged item for which the effective <span class=\"_ _7\"></span>interest method is used is amortised to <span class=\"_ _7\"></span>the income statement over the remaining term to<span class=\"_ gs36\"> </span>maturity of the hedged item. <span class=\"_ _7\"></span>If the hedged item is sold or <span class=\"_ _7\"></span>repaid, the unamortised fair value adjustment <span class=\"_ _7\"></span>is recognised immediately in the income statement. For <span class=\"_ _7\"></span>financial assets classified as fair value through <span class=\"_ _7\"></span>other comprehensive income, the<span class=\"_ gs36\"> </span>hedge accounting adjustment attributable to the <span class=\"_ _7\"></span>hedged risk is included in net trading <span class=\"_ _7\"></span>income to match the hedging<span class=\"_ gs36\"> </span>derivative.<span class=\"_ _3eb\"> </span>Cash flow <span class=\"_ _7\"></span>hedge<span class=\"_ _3eb\"> </span>The effective portion of changes in <span class=\"_ _7\"></span>the fair value of derivatives that are <span class=\"_ _7\"></span>designated and qualify as cash flow <span class=\"_ _7\"></span>hedging instruments are initially recognised in other <span class=\"_ _7\"></span>comprehensive income, accumulating in the cash flow <span class=\"_ _7\"></span>hedge reserve within equity. These amounts are subsequently recycled <span class=\"_ _7\"></span>to the income statement in the periods <span class=\"_ _7\"></span>when the hedged item affects profit or loss. Both the derivative <span class=\"_ _7\"></span>fair value movement and any recycled amount <span class=\"_ _7\"></span>are recorded in the \u2018Cashflow hedges\u2019 line<span class=\"_ gs36\"> </span>item in other comprehensive income. The Group assesses hedge effectiveness using <span class=\"_ _7\"></span>the hypothetical derivative method, which creates a <span class=\"_ _7\"></span>derivative instrument to<span class=\"_ gs36\"> </span>serve as a proxy for the <span class=\"_ _7\"></span>hedged transaction. The terms of the hypothetical <span class=\"_ _7\"></span>derivative match the critical terms of <span class=\"_ _7\"></span>the hedged item and it has a <span class=\"_ _7\"></span>fair value of zero at inception. The <span class=\"_ _7\"></span>hypothetical derivative and the actual derivative <span class=\"_ _7\"></span>are regressed to establish the statistical significance of <span class=\"_ _7\"></span>the hedge relationship. Any ineffective portion of <span class=\"_ _7\"></span>the gain or loss on the <span class=\"_ _7\"></span>hedging instrument is recognised in the net <span class=\"_ _7\"></span>trading income immediately.<span class=\"_ _3eb\"> </span>If a cash flow hedge is <span class=\"_ _7\"></span>discontinued, the amount accumulated in the cash <span class=\"_ _7\"></span>flow hedge reserve is released to <span class=\"_ _7\"></span>the income statement as and when the hedged <span class=\"_ _7\"></span>item affects the income statement.<span class=\"_ _3eb\"> </span>Should the Group consider the hedged future cash flows are no longer expected to occur due to reasons, the cumulative gain or loss will be immediately reclassified <span class=\"_ _7\"></span>to profit or loss.<span class=\"_ _3eb\"> </span>Net investment <span class=\"_ _7\"></span>hedge<span class=\"_ _3eb\"> </span>Hedges of net investments are accounted <span class=\"_ _7\"></span>for in a similar manner to cash <span class=\"_ _7\"></span>flow hedges, with gains and losses <span class=\"_ _7\"></span>arising on the<span class=\"_ gs36\"> </span>effective portion of the hedges recorded <span class=\"_ _7\"></span>in the line \u2018Exchange differences on translation <span class=\"_ _7\"></span>of foreign operations\u2019 in other comprehensive income, accumulating in the translation <span class=\"_ _7\"></span>reserve within equity. These amounts remain in <span class=\"_ _7\"></span>equity until the net<span class=\"_ gs36\"> </span>investment is disposed of. The ineffective <span class=\"_ _7\"></span>portion of the hedges is recognised in <span class=\"_ _7\"></span>the net trading income immediately.<span class=\"_ _3eb\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForHedgingExplanatory",
    "language": "en",
    "entity": "scheme:U4LOSYZ7YG4W3S5F2G91",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-738": {
   "value": "Accounting policy<span class=\"_ _3eb\"> </span>Fair values may be obtained from quoted market prices in active markets, recent market transactions, and valuation techniques, including discounted cash flow models <span class=\"_ _7\"></span>and option pricing models, as appropriate. Where <span class=\"_ _7\"></span>the initially recognised fair value of a derivative contract <span class=\"_ _7\"></span>is based on a valuation model that <span class=\"_ _7\"></span>uses inputs which are not observable <span class=\"_ _7\"></span>in the market, it<span class=\"_ gs36\"> </span>follows the same initial recognition accounting <span class=\"_ _7\"></span>policy as for other financial assets and <span class=\"_ _7\"></span>liabilities. All derivatives are carried as assets when fair value is <span class=\"_ _7\"></span>positive and as liabilities when fair value <span class=\"_ _7\"></span>is negative.<span class=\"_ _3eb\"> </span>Hedge accounting<span class=\"_ _3eb\"> </span>Under certain conditions, the Group may <span class=\"_ _7\"></span>designate a recognised asset or liability, a <span class=\"_ _7\"></span>firm commitment, highly probable forecast transaction or net investment of <span class=\"_ _7\"></span>a foreign operation into a formal hedge <span class=\"_ _7\"></span>accounting relationship with a derivative that has been entered to manage <span class=\"_ _7\"></span>interest rate and/or foreign exchange risks present <span class=\"_ _7\"></span>in the hedged item. The Group <span class=\"_ _7\"></span>has elected to continue applying IAS 39 <span class=\"_ _7\"></span>for hedge accounting.<span class=\"_ _3eb\"> </span>There are three categories of hedge <span class=\"_ _7\"></span>relationships: <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">Fair value hedge: to manage the fair value of interest rate and/or <span class=\"_ _7\"></span>foreign currency risks of recognised assets <span class=\"_ _7\"></span>or liabilities </span>or<span class=\"_ gs36\"> </span>firm commitments <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">Cash flow hedge: to manage interest rate or foreign exchange risk of <span class=\"_ _7\"></span>highly probable future cash flows attributable </span>to<span class=\"_ gs36\"> </span>a<span class=\"_ gs36\"> </span>recognised asset or liability, or a <span class=\"_ _7\"></span>forecasted transaction <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">Net investment hedge: to manage the structural foreign exchange risk of an <span class=\"_ _7\"></span>investment in a foreign operation<span class=\"_ _3eb\"> </span></span>The Group assesses, both at hedge <span class=\"_ _7\"></span>inception and on a quarterly basis, whether <span class=\"_ _7\"></span>the derivatives designated in hedge relationships are highly effective in offsetting <span class=\"_ _7\"></span>changes in fair values or cash flows <span class=\"_ _7\"></span>of hedged items. Hedges are considered to<span class=\"_ gs36\"> </span>be highly effective if all the <span class=\"_ _7\"></span>following criteria are met: <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">At inception of the hedge and throughout its life, the hedge is <span class=\"_ _7\"></span>prospectively expected to be highly effective <span class=\"_ _7\"></span>in achieving </span>offsetting changes in fair value or cash flows attributable to the hedged risk <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">Prospective and retrospective effectiveness of the hedge should be within a range <span class=\"_ _7\"></span>of 80\u2013125%. This is tested using </span>regression analysis  <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">This is tested using regression analysis where the slope of the regression <span class=\"_ _7\"></span>line must be between -0.80 and <span class=\"_ _7\"></span>-1.25 and </span>the<span class=\"_ gs36\"> </span>data pairs between the hedged item <span class=\"_ _7\"></span>and the hedging instrument are regressed to <span class=\"_ _7\"></span>a 95% confidence interval. The<span class=\"_ gs36\"> </span>regression co-efficient (R squared), which measures <span class=\"_ _7\"></span>the correlation between the variables in the <span class=\"_ _7\"></span>regression, is<span class=\"_ gs36\"> </span>at<span class=\"_ gs36\"> </span>least<span class=\"_ gs36\"> </span>80%.<span class=\"_ _3eb\"> </span>In the case of the hedge <span class=\"_ _7\"></span>of a forecast transaction, the transaction must <span class=\"_ _7\"></span>have a high probability of occurring <span class=\"_ _7\"></span>and must present an exposure to variations in <span class=\"_ _7\"></span>cash flows that are expected to affect <span class=\"_ _7\"></span>reported profit or loss.<span class=\"_ _3eb\"> </span>Fair value <span class=\"_ _7\"></span>hedge<span class=\"_ _3eb\"> </span>Changes in the fair value of <span class=\"_ _7\"></span>derivatives that are designated and qualify as <span class=\"_ _7\"></span>fair value hedging instruments are recorded in<span class=\"_ gs36\"> </span>net<span class=\"_ gs36\"> </span>trading income, together with any changes <span class=\"_ _7\"></span>in the fair value of the hedged <span class=\"_ _7\"></span>asset or liability that are attributable <span class=\"_ _7\"></span>to the<span class=\"_ gs36\"> </span>hedged risk. If the hedge no <span class=\"_ _7\"></span>longer meets the criteria for hedge accounting, <span class=\"_ _7\"></span>the adjustment to the carrying amount of<span class=\"_ gs36\"> </span>a<span class=\"_ gs36\"> </span>hedged item for which the effective <span class=\"_ _7\"></span>interest method is used is amortised to <span class=\"_ _7\"></span>the income statement over the remaining term to<span class=\"_ gs36\"> </span>maturity of the hedged item. <span class=\"_ _7\"></span>If the hedged item is sold or <span class=\"_ _7\"></span>repaid, the unamortised fair value adjustment <span class=\"_ _7\"></span>is recognised immediately in the income statement. For <span class=\"_ _7\"></span>financial assets classified as fair value through <span class=\"_ _7\"></span>other comprehensive income, the<span class=\"_ gs36\"> </span>hedge accounting adjustment attributable to the <span class=\"_ _7\"></span>hedged risk is included in net trading <span class=\"_ _7\"></span>income to match the hedging<span class=\"_ gs36\"> </span>derivative.<span class=\"_ _3eb\"> </span>Cash flow <span class=\"_ _7\"></span>hedge<span class=\"_ _3eb\"> </span>The effective portion of changes in <span class=\"_ _7\"></span>the fair value of derivatives that are <span class=\"_ _7\"></span>designated and qualify as cash flow <span class=\"_ _7\"></span>hedging instruments are initially recognised in other <span class=\"_ _7\"></span>comprehensive income, accumulating in the cash flow <span class=\"_ _7\"></span>hedge reserve within equity. These amounts are subsequently recycled <span class=\"_ _7\"></span>to the income statement in the periods <span class=\"_ _7\"></span>when the hedged item affects profit or loss. Both the derivative <span class=\"_ _7\"></span>fair value movement and any recycled amount <span class=\"_ _7\"></span>are recorded in the \u2018Cashflow hedges\u2019 line<span class=\"_ gs36\"> </span>item in other comprehensive income. The Group assesses hedge effectiveness using <span class=\"_ _7\"></span>the hypothetical derivative method, which creates a <span class=\"_ _7\"></span>derivative instrument to<span class=\"_ gs36\"> </span>serve as a proxy for the <span class=\"_ _7\"></span>hedged transaction. The terms of the hypothetical <span class=\"_ _7\"></span>derivative match the critical terms of <span class=\"_ _7\"></span>the hedged item and it has a <span class=\"_ _7\"></span>fair value of zero at inception. The <span class=\"_ _7\"></span>hypothetical derivative and the actual derivative <span class=\"_ _7\"></span>are regressed to establish the statistical significance of <span class=\"_ _7\"></span>the hedge relationship. Any ineffective portion of <span class=\"_ _7\"></span>the gain or loss on the <span class=\"_ _7\"></span>hedging instrument is recognised in the net <span class=\"_ _7\"></span>trading income immediately.<span class=\"_ _3eb\"> </span>If a cash flow hedge is <span class=\"_ _7\"></span>discontinued, the amount accumulated in the cash <span class=\"_ _7\"></span>flow hedge reserve is released to <span class=\"_ _7\"></span>the income statement as and when the hedged <span class=\"_ _7\"></span>item affects the income statement.<span class=\"_ _3eb\"> </span>Should the Group consider the hedged future cash flows are no longer expected to occur due to reasons, the cumulative gain or loss will be immediately reclassified <span class=\"_ _7\"></span>to profit or loss.<span class=\"_ _3eb\"> </span>Net investment <span class=\"_ _7\"></span>hedge<span class=\"_ _3eb\"> </span>Hedges of net investments are accounted <span class=\"_ _7\"></span>for in a similar manner to cash <span class=\"_ _7\"></span>flow hedges, with gains and losses <span class=\"_ _7\"></span>arising on the<span class=\"_ gs36\"> </span>effective portion of the hedges recorded <span class=\"_ _7\"></span>in the line \u2018Exchange differences on translation <span class=\"_ _7\"></span>of foreign operations\u2019 in other comprehensive income, accumulating in the translation <span class=\"_ _7\"></span>reserve within equity. These amounts remain in <span class=\"_ _7\"></span>equity until the net<span class=\"_ gs36\"> </span>investment is disposed of. The ineffective <span class=\"_ _7\"></span>portion of the hedges is recognised in <span class=\"_ _7\"></span>the net trading income immediately.<span class=\"_ _3eb\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForDerivativeFinancialInstrumentsExplanatory",
    "language": "en",
    "entity": "scheme:U4LOSYZ7YG4W3S5F2G91",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-732": {
   "value": "Accounting policy<span class=\"_ _3eb\"> </span>Fair values may be obtained from quoted market prices in active markets, recent market transactions, and valuation techniques, including discounted cash flow models <span class=\"_ _7\"></span>and option pricing models, as appropriate. Where <span class=\"_ _7\"></span>the initially recognised fair value of a derivative contract <span class=\"_ _7\"></span>is based on a valuation model that <span class=\"_ _7\"></span>uses inputs which are not observable <span class=\"_ _7\"></span>in the market, it<span class=\"_ gs36\"> </span>follows the same initial recognition accounting <span class=\"_ _7\"></span>policy as for other financial assets and <span class=\"_ _7\"></span>liabilities. All derivatives are carried as assets when fair value is <span class=\"_ _7\"></span>positive and as liabilities when fair value <span class=\"_ _7\"></span>is negative.<span class=\"_ _3eb\"> </span>Hedge accounting<span class=\"_ _3eb\"> </span>Under certain conditions, the Group may <span class=\"_ _7\"></span>designate a recognised asset or liability, a <span class=\"_ _7\"></span>firm commitment, highly probable forecast transaction or net investment of <span class=\"_ _7\"></span>a foreign operation into a formal hedge <span class=\"_ _7\"></span>accounting relationship with a derivative that has been entered to manage <span class=\"_ _7\"></span>interest rate and/or foreign exchange risks present <span class=\"_ _7\"></span>in the hedged item. The Group <span class=\"_ _7\"></span>has elected to continue applying IAS 39 <span class=\"_ _7\"></span>for hedge accounting.<span class=\"_ _3eb\"> </span>There are three categories of hedge <span class=\"_ _7\"></span>relationships: <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">Fair value hedge: to manage the fair value of interest rate and/or <span class=\"_ _7\"></span>foreign currency risks of recognised assets <span class=\"_ _7\"></span>or liabilities </span>or<span class=\"_ gs36\"> </span>firm commitments <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">Cash flow hedge: to manage interest rate or foreign exchange risk of <span class=\"_ _7\"></span>highly probable future cash flows attributable </span>to<span class=\"_ gs36\"> </span>a<span class=\"_ gs36\"> </span>recognised asset or liability, or a <span class=\"_ _7\"></span>forecasted transaction <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">Net investment hedge: to manage the structural foreign exchange risk of an <span class=\"_ _7\"></span>investment in a foreign operation<span class=\"_ _3eb\"> </span></span>The Group assesses, both at hedge <span class=\"_ _7\"></span>inception and on a quarterly basis, whether <span class=\"_ _7\"></span>the derivatives designated in hedge relationships are highly effective in offsetting <span class=\"_ _7\"></span>changes in fair values or cash flows <span class=\"_ _7\"></span>of hedged items. Hedges are considered to<span class=\"_ gs36\"> </span>be highly effective if all the <span class=\"_ _7\"></span>following criteria are met: <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">At inception of the hedge and throughout its life, the hedge is <span class=\"_ _7\"></span>prospectively expected to be highly effective <span class=\"_ _7\"></span>in achieving </span>offsetting changes in fair value or cash flows attributable to the hedged risk <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">Prospective and retrospective effectiveness of the hedge should be within a range <span class=\"_ _7\"></span>of 80\u2013125%. This is tested using </span>regression analysis  <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">This is tested using regression analysis where the slope of the regression <span class=\"_ _7\"></span>line must be between -0.80 and <span class=\"_ _7\"></span>-1.25 and </span>the<span class=\"_ gs36\"> </span>data pairs between the hedged item <span class=\"_ _7\"></span>and the hedging instrument are regressed to <span class=\"_ _7\"></span>a 95% confidence interval. The<span class=\"_ gs36\"> </span>regression co-efficient (R squared), which measures <span class=\"_ _7\"></span>the correlation between the variables in the <span class=\"_ _7\"></span>regression, is<span class=\"_ gs36\"> </span>at<span class=\"_ gs36\"> </span>least<span class=\"_ gs36\"> </span>80%.<span class=\"_ _3eb\"> </span>In the case of the hedge <span class=\"_ _7\"></span>of a forecast transaction, the transaction must <span class=\"_ _7\"></span>have a high probability of occurring <span class=\"_ _7\"></span>and must present an exposure to variations in <span class=\"_ _7\"></span>cash flows that are expected to affect <span class=\"_ _7\"></span>reported profit or loss.<span class=\"_ _3eb\"> </span>Fair value <span class=\"_ _7\"></span>hedge<span class=\"_ _3eb\"> </span>Changes in the fair value of <span class=\"_ _7\"></span>derivatives that are designated and qualify as <span class=\"_ _7\"></span>fair value hedging instruments are recorded in<span class=\"_ gs36\"> </span>net<span class=\"_ gs36\"> </span>trading income, together with any changes <span class=\"_ _7\"></span>in the fair value of the hedged <span class=\"_ _7\"></span>asset or liability that are attributable <span class=\"_ _7\"></span>to the<span class=\"_ gs36\"> </span>hedged risk. If the hedge no <span class=\"_ _7\"></span>longer meets the criteria for hedge accounting, <span class=\"_ _7\"></span>the adjustment to the carrying amount of<span class=\"_ gs36\"> </span>a<span class=\"_ gs36\"> </span>hedged item for which the effective <span class=\"_ _7\"></span>interest method is used is amortised to <span class=\"_ _7\"></span>the income statement over the remaining term to<span class=\"_ gs36\"> </span>maturity of the hedged item. <span class=\"_ _7\"></span>If the hedged item is sold or <span class=\"_ _7\"></span>repaid, the unamortised fair value adjustment <span class=\"_ _7\"></span>is recognised immediately in the income statement. For <span class=\"_ _7\"></span>financial assets classified as fair value through <span class=\"_ _7\"></span>other comprehensive income, the<span class=\"_ gs36\"> </span>hedge accounting adjustment attributable to the <span class=\"_ _7\"></span>hedged risk is included in net trading <span class=\"_ _7\"></span>income to match the hedging<span class=\"_ gs36\"> </span>derivative.<span class=\"_ _3eb\"> </span>Cash flow <span class=\"_ _7\"></span>hedge<span class=\"_ _3eb\"> </span>The effective portion of changes in <span class=\"_ _7\"></span>the fair value of derivatives that are <span class=\"_ _7\"></span>designated and qualify as cash flow <span class=\"_ _7\"></span>hedging instruments are initially recognised in other <span class=\"_ _7\"></span>comprehensive income, accumulating in the cash flow <span class=\"_ _7\"></span>hedge reserve within equity. These amounts are subsequently recycled <span class=\"_ _7\"></span>to the income statement in the periods <span class=\"_ _7\"></span>when the hedged item affects profit or loss. Both the derivative <span class=\"_ _7\"></span>fair value movement and any recycled amount <span class=\"_ _7\"></span>are recorded in the \u2018Cashflow hedges\u2019 line<span class=\"_ gs36\"> </span>item in other comprehensive income. The Group assesses hedge effectiveness using <span class=\"_ _7\"></span>the hypothetical derivative method, which creates a <span class=\"_ _7\"></span>derivative instrument to<span class=\"_ gs36\"> </span>serve as a proxy for the <span class=\"_ _7\"></span>hedged transaction. The terms of the hypothetical <span class=\"_ _7\"></span>derivative match the critical terms of <span class=\"_ _7\"></span>the hedged item and it has a <span class=\"_ _7\"></span>fair value of zero at inception. The <span class=\"_ _7\"></span>hypothetical derivative and the actual derivative <span class=\"_ _7\"></span>are regressed to establish the statistical significance of <span class=\"_ _7\"></span>the hedge relationship. Any ineffective portion of <span class=\"_ _7\"></span>the gain or loss on the <span class=\"_ _7\"></span>hedging instrument is recognised in the net <span class=\"_ _7\"></span>trading income immediately.<span class=\"_ _3eb\"> </span>If a cash flow hedge is <span class=\"_ _7\"></span>discontinued, the amount accumulated in the cash <span class=\"_ _7\"></span>flow hedge reserve is released to <span class=\"_ _7\"></span>the income statement as and when the hedged <span class=\"_ _7\"></span>item affects the income statement.<span class=\"_ _3eb\"> </span>Should the Group consider the hedged future cash flows are no longer expected to occur due to reasons, the cumulative gain or loss will be immediately reclassified <span class=\"_ _7\"></span>to profit or loss.<span class=\"_ _3eb\"> </span>Net investment <span class=\"_ _7\"></span>hedge<span class=\"_ _3eb\"> </span>Hedges of net investments are accounted <span class=\"_ _7\"></span>for in a similar manner to cash <span class=\"_ _7\"></span>flow hedges, with gains and losses <span class=\"_ _7\"></span>arising on the<span class=\"_ gs36\"> </span>effective portion of the hedges recorded <span class=\"_ _7\"></span>in the line \u2018Exchange differences on translation <span class=\"_ _7\"></span>of foreign operations\u2019 in other comprehensive income, accumulating in the translation <span class=\"_ _7\"></span>reserve within equity. These amounts remain in <span class=\"_ _7\"></span>equity until the net<span class=\"_ gs36\"> </span>investment is disposed of. The ineffective <span class=\"_ _7\"></span>portion of the hedges is recognised in <span class=\"_ _7\"></span>the net trading income immediately.<span class=\"_ _3eb\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForDerivativeFinancialInstrumentsAndHedgingExplanatory",
    "language": "en",
    "entity": "scheme:U4LOSYZ7YG4W3S5F2G91",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-636": {
   "value": "15. Loans and <span class=\"_ _1b\"></span>advances to banks and <span class=\"_ _7\"></span>customers<span class=\"_ _3eb\"> </span>Accounting policy<span class=\"_ _3eb\"> </span>Refer to Note 13 Financial instruments <span class=\"_ _7\"></span>for the relevant accounting policy.<span class=\"_ _3eb\"> </span><table class=\"s wa16 h26d\" id=\"_8eba2ad2-9565-4542-a015-479a9a894db8\"><tr><td></td><td class=\"t m0 x1e8 h38 y6961 ff5 fs17 fc0 sc0 ls21 ws20\">2025<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1e9 h39 y6961 ff1 fs17 fc3 sc0 ls21 ws20\">2024<span class=\"_ _3eb\"> </span></td></tr><tr><td></td><td class=\"t m0 x1eb h38 y6962 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1ec h2c y6962 ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c n x1ee y6574 wc8 h1fe\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Loans and advances to banks<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x13b7 y6574 wa17 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">43,915<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x13b8 y6574 w948 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">43,609<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6560 wa18 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Expected credit loss<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x13b9 y6560 wad h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(14)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x13ba y6560 w46e h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(16)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td class=\"c n x8bb y6575 w4c h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">43,901<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x13bb y6575 wa19 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">43,593<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y658e wcb h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Loans and advances to customers<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x13bc y658e wa1a h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">290,849<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x13bd y658e wa1b h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">285,936<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6577 wa18 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Expected credit loss<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x13be y6577 w8e5 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(4,061)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x13bf y6577 wa1c h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(4,904)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td class=\"c n xe89 y6566 wcc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">286,788<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x13c0 y6566 w4e4 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">281,032<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y6963 wa1d h220\"><div class=\"t m0 x1ed h3b y6600 ff1 fs5 fc3 sc0 ls5 ws0\">Total loans and advances to banks and customers</div><div class=\"t m0 x13c1 h3c y6601 ff1 fs1b fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe89 y6567 wa1e h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">330,689<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x13c2 y6567 wa1f h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">324,625<span class=\"_ _3eb\"> </span></div></td></tr></table>1 <span class=\"_ _b\"> </span><span class=\"ff4\">Includes $2.9 billion (31 December 2024: $2.5 billion) of assets pledged as collateral. <span class=\"_ _7\"></span>For more information, please refer to Pillar 3 <span class=\"_ _7\"></span>disclosures.<span class=\"_ _3eb\"> </span></span>Analysis of loans and advances to <span class=\"_ _7\"></span>customers by geographies and client segment together <span class=\"_ _7\"></span>with their related impairment provisions are set out within the <span class=\"_ _7\"></span>Risk review and Capital review (pages 218 <span class=\"_ _7\"></span>to 308).",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfLoansAndAdvancesToBanksExplanatory",
    "language": "en",
    "entity": "scheme:U4LOSYZ7YG4W3S5F2G91",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-665": {
   "value": "15. Loans and <span class=\"_ _1b\"></span>advances to banks and <span class=\"_ _7\"></span>customers<span class=\"_ _3eb\"> </span>Accounting policy<span class=\"_ _3eb\"> </span>Refer to Note 13 Financial instruments <span class=\"_ _7\"></span>for the relevant accounting policy.<span class=\"_ _3eb\"> </span><table class=\"s wa16 h26d\" id=\"_8eba2ad2-9565-4542-a015-479a9a894db8\"><tr><td></td><td class=\"t m0 x1e8 h38 y6961 ff5 fs17 fc0 sc0 ls21 ws20\">2025<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1e9 h39 y6961 ff1 fs17 fc3 sc0 ls21 ws20\">2024<span class=\"_ _3eb\"> </span></td></tr><tr><td></td><td class=\"t m0 x1eb h38 y6962 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1ec h2c y6962 ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c n x1ee y6574 wc8 h1fe\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Loans and advances to banks<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x13b7 y6574 wa17 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">43,915<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x13b8 y6574 w948 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">43,609<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6560 wa18 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Expected credit loss<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x13b9 y6560 wad h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(14)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x13ba y6560 w46e h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(16)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td class=\"c n x8bb y6575 w4c h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">43,901<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x13bb y6575 wa19 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">43,593<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y658e wcb h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Loans and advances to customers<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x13bc y658e wa1a h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">290,849<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x13bd y658e wa1b h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">285,936<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6577 wa18 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Expected credit loss<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x13be y6577 w8e5 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(4,061)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x13bf y6577 wa1c h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(4,904)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td class=\"c n xe89 y6566 wcc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">286,788<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x13c0 y6566 w4e4 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">281,032<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y6963 wa1d h220\"><div class=\"t m0 x1ed h3b y6600 ff1 fs5 fc3 sc0 ls5 ws0\">Total loans and advances to banks and customers</div><div class=\"t m0 x13c1 h3c y6601 ff1 fs1b fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe89 y6567 wa1e h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">330,689<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x13c2 y6567 wa1f h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">324,625<span class=\"_ _3eb\"> </span></div></td></tr></table>1 <span class=\"_ _b\"> </span><span class=\"ff4\">Includes $2.9 billion (31 December 2024: $2.5 billion) of assets pledged as collateral. <span class=\"_ _7\"></span>For more information, please refer to Pillar 3 <span class=\"_ _7\"></span>disclosures.<span class=\"_ _3eb\"> </span></span>Analysis of loans and advances to <span class=\"_ _7\"></span>customers by geographies and client segment together <span class=\"_ _7\"></span>with their related impairment provisions are set out within the <span class=\"_ _7\"></span>Risk review and Capital review (pages 218 <span class=\"_ _7\"></span>to 308).",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfLoansAndAdvancesToCustomersExplanatory",
    "language": "en",
    "entity": "scheme:U4LOSYZ7YG4W3S5F2G91",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-711": {
   "value": "Accounting policy<span class=\"_ _3eb\"> </span>Refer to Note 13 Financial instruments <span class=\"_ _7\"></span>for the relevant accounting policy.<span class=\"_ _3eb\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForLoansAndReceivablesExplanatory",
    "language": "en",
    "entity": "scheme:U4LOSYZ7YG4W3S5F2G91",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-635": {
   "value": "16. Reverse repurchase <span class=\"_ _1b\"></span>and repurchase agreements including <span class=\"_ _7\"></span>other similar lending and<span class=\"_ gs5db\"> </span>borrowing<span class=\"_ _3eb\"> </span>Accounting policy<span class=\"_ _3eb\"> </span>The Group purchases securities (a reverse <span class=\"_ _7\"></span>repurchase agreement \u2013 \u2018reverse repo\u2019) typically with <span class=\"_ _7\"></span>financial institutions subject to a commitment to resell or <span class=\"_ _7\"></span>return the securities at a predetermined price. <span class=\"_ _7\"></span>These securities are not included in <span class=\"_ _7\"></span>the balance sheet as the Group does not acquire the risks and rewards of ownership, however they are recorded off-balance sheet as collateral received. Consideration paid (or cash <span class=\"_ _7\"></span>collateral provided) is accounted for as a <span class=\"_ _7\"></span>loan asset at amortised cost unless it is managed on a fair <span class=\"_ _7\"></span>value basis or designated at fair value <span class=\"_ _7\"></span>through profit or loss. In the <span class=\"_ _7\"></span>majority of cases through the contractual terms of a reverse repo arrangement, the Group as the transferee of the security collateral has the right to sell<span class=\"_ gs36\"> </span>or<span class=\"_ gs36\"> </span>repledge the asset concerned. The Group also sells securities (a <span class=\"_ _7\"></span>repurchase agreement \u2013 \u2018repo\u2019) subject to a <span class=\"_ _7\"></span>commitment to repurchase or redeem the securities at a predetermined price. The <span class=\"_ _7\"></span>securities are retained on the balance sheet <span class=\"_ _7\"></span>as the Group retains substantially all the<span class=\"_ gs36\"> </span>risks and rewards of ownership and <span class=\"_ _7\"></span>these securities are disclosed as pledged collateral. <span class=\"_ _7\"></span>Consideration received (or cash collateral received) is accounted for as <span class=\"_ _7\"></span>a financial liability at amortised cost unless <span class=\"_ _7\"></span>it is either mandatorily classified as <span class=\"_ _7\"></span>fair value through profit or loss or <span class=\"_ _7\"></span>irrevocably designated at fair value through profit <span class=\"_ _7\"></span>or loss at initial recognition. Repo and reverse repo transactions typically <span class=\"_ _7\"></span>entitle the Group and its counterparties to <span class=\"_ _7\"></span>have recourse to assets similar to<span class=\"_ gs36\"> </span>those provided as collateral in the <span class=\"_ _7\"></span>event of a default. Securities sold subject <span class=\"_ _7\"></span>to repos, either by way of <span class=\"_ _7\"></span>a Global Master Repurchase Agreement (GMRA), or through a <span class=\"_ _7\"></span>securities sale and Total Return Swap (TRS) <span class=\"_ _7\"></span>continue to be recognised on<span class=\"_ gs36\"> </span>the<span class=\"_ gs36\"> </span>balance sheet as the Group retains <span class=\"_ _7\"></span>substantially the associated risks and rewards of <span class=\"_ _7\"></span>the securities (the TRS is not recognised). Assets sold under repurchase agreements <span class=\"_ _7\"></span>are considered encumbered as the Group cannot <span class=\"_ _7\"></span>pledge these to<span class=\"_ gs36\"> </span>obtain funding<span class=\"_ _3eb\"> </span>Reverse repurchase agreements <span class=\"_ _7\"></span>and other <span class=\"_ _7\"></span>similar secured lending<span class=\"_ _3eb\"> </span><table class=\"s wa20 h26e\" id=\"_a93abf37-958b-42ac-a571-f9f359d248d6\"><tr><td></td><td class=\"t m0 x1e8 h38 y6964 ff5 fs17 fc0 sc0 ls21 ws20\">2025<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1e9 h39 y6964 ff1 fs17 fc3 sc0 ls21 ws20\">2024<span class=\"_ _3eb\"> </span></td></tr><tr><td></td><td class=\"t m0 x1eb h38 y6965 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1ec h2c y6965 ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c n x1ee y655d wa21 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">Banks<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x13c3 y655d wa22 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">37,412<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x13c4 y655d wa23 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">37,700<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6573 wa24 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">Customers<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x13c5 y6573 wa25 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">58,684<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2b7 y6573 w7d h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">61,101<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td class=\"c n xf08 y6574 wf3 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">96,096<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x13c6 y6574 w5b7 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">98,801<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x221 h1a y6966 ff4 fs5 fc3 sc0 ls5 ws5\">Of which:<span class=\"_ _3eb\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x1ee y6575 wa26 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Fair value through profit or loss<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb80 y6575 wa27 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">84,130<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x13c7 y6575 w755 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">86,195<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x40b y658d wa21 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">Banks<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x13c8 y658d w945 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">33,688<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x13c9 y658d wa28 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">34,754<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x40b y658e wa24 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">Customers<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x13ca y658e wa29 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">50,442<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x13cb y658e w31a h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">51,441<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6659 wa2a h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Held at amortised cost<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb87 y6659 w5dd h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">11,966<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb88 y6659 wa2b h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">12,606<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x40b y6566 wa21 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">Banks<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x13cc y6566 w7b2 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">3,724<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x13cd y6566 w4ba h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">2,946<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x40b y6567 wa24 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">Customers<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x13ce y6567 wa2c h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">8,242<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x13cf y6567 wa2d h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">9,660<span class=\"_ _3eb\"> </span></div></td></tr></table><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs5f1\">Under reverse repurchase and securities borrowing <span class=\"_ _7\"></span>arrangements, the Group obtains securities under usual <span class=\"_ _7\"></span>and customary </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs5f2\">terms which permit it to repledge <span class=\"_ _7\"></span>or resell the securities to others. Amounts <span class=\"_ _7\"></span>on such terms are:<span class=\"_ _3eb\"> </span></div><div class=\"gs5f3\"><table class=\"s w40f h26f\" id=\"_e2c3ed0b-5e82-464d-9acb-d4261d0b946c\"><tr><td></td><td class=\"t m0 x230 h38 y6967 ff5 fs17 fc0 sc0 ls21 ws20\">2025<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x231 h39 y6967 ff1 fs17 fc3 sc0 ls21 ws20\">2024<span class=\"_ _3eb\"> </span></td></tr><tr><td></td><td class=\"t m0 x233 h38 y6968 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x234 h2c y6968 ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c n x1ee y65f7 wa2e h1ff\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">Securities and collateral received (at fair value)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x13d0 y65f7 wa2f h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">101,260<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x13d1 y65f7 wa30 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">103,007<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y68ad wa31 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">Securities and collateral which can be repledged <span class=\"_ _7\"></span>or sold (at fair value)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x13d2 y68ad wa32 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">98,384<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x13d3 y68ad wfd h1ff\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">102,741<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x235 h1a y6969 ff4 fs5 fc3 sc0 ls5 ws5\">Amounts repledged/transferred to others for financing activities, <span class=\"_ _7\"></span>to satisfy liabilities under sale </td><td></td><td></td></tr><tr><td class=\"c n x1ee y6567 wa33 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">and<span class=\"_ gs1a1\"> </span>repurchase agreements (at fair value)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x13d4 y6567 wa34 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">18,173<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x13d5 y6567 w951 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">27,708<span class=\"_ _3eb\"> </span></div></td></tr></table></div><div class=\"t m0 hc ff7 fs8 fc2 sc0 ls8 wsb gs5f4\">Repurchase agreements and <span class=\"_ _7\"></span>other similar <span class=\"_ _7\"></span>secured borrowing<span class=\"_ _3eb\"> </span></div><div class=\"gs5f5\"><table class=\"s wa35 h270\" id=\"_75474d00-67db-4608-abb0-d3a535e4c5aa\"><tr><td></td><td class=\"t m0 x230 h38 y696a ff5 fs17 fc0 sc0 ls21 ws20\">2025<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x231 h39 y696a ff1 fs17 fc3 sc0 ls21 ws20\">2024<span class=\"_ _3eb\"> </span></td></tr><tr><td></td><td class=\"t m0 x233 h38 y696b ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x234 h2c y696b ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c n x1ee y655d wa21 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">Banks<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x13d6 y655d w3c0 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">8,465<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x13d7 y655d w10d h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">8,669<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6573 wa24 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">Customers<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x13d8 y6573 wa36 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">35,599<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x13d9 y6573 wa37 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">37,002<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td class=\"c n x13da y6574 wa38 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">44,064<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x13db y6574 w783 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">45,671<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x235 h1a y696c ff4 fs5 fc3 sc0 ls5 ws5\">Of which:<span class=\"_ _3eb\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x1ee y6575 wa26 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Fair value through profit or loss<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x13dc y6575 w5b3 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">36,307<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x13dd y6575 wa39 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">33,539<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x236 y658d wa21 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">Banks<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x13de y658d wa3a h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">6,560<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xce7 y658d wa3b h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">7,759<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x236 y658e wa24 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">Customers<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x13df y658e wa3c h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">29,747<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x13e0 y658e wa3d h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">25,780<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6659 wa2a h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Held at amortised cost<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x13e1 y6659 wfa h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">7,757<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2a3 y6659 w5db h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">12,132<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x236 y6826 wa21 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">Banks<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x13e2 y6826 w1f3 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">1,905<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x13e3 y6826 w1e9 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">910<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x236 y6567 wa24 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">Customers<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x13e4 y6567 wa3e h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">5,852<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x13e5 y6567 w63 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">11,222<span class=\"_ _3eb\"> </span></div></td></tr></table></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs5f6\">The tables below set out the <span class=\"_ _7\"></span>financial assets provided as collateral for repurchase <span class=\"_ _7\"></span>and other secured borrowing transactions:<span class=\"_ _3eb\"> </span></div><div class=\"gs5f7\"><table class=\"s wa3f h271\" id=\"_29c54b67-265c-4a62-91c2-0929b3834411\"><tr><td></td><td></td><td class=\"c n x13e6 y696d wa40 h215\"><div class=\"t m0 x1ed h38 y6563 ff5 fs17 fc0 sc0 ls21 ws20\">Fair value<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"c x13e8 y696e wa41 h215\"><div class=\"t m0 x1ed h38 y6563 ff5 fs17 fc0 sc0 ls21 ws20\">Fair value</div><div class=\"t m0 x13e7 h38 y6563 ff5 fs17 fc0 sc0 ls21 ws20\">through other<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"c n x4b4 y696f wa42 h204\"><div class=\"t m0 x1ed h38 y6563 ff5 fs17 fc0 sc0 ls21 ws20\">through</div></td><td class=\"t m0 x13e9 h38 y6970 ff5 fs17 fc0 sc0 ls21 ws20\">comprehensive </td><td class=\"t m0 x13ea h38 y6970 ff5 fs17 fc0 sc0 ls21 ws20\">Amortised<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x870 h38 y6970 ff5 fs17 fc0 sc0 ls21 ws20\">Off-balance<span class=\"_ _3eb\"> </span></td><td></td></tr><tr><td></td><td class=\"c n x13eb y6971 wa43 h204\"><div class=\"t m0 x1ed h38 y6563 ff5 fs17 fc0 sc0 ls21 ws20\">profit or loss<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x2f8 h38 y6972 ff5 fs17 fc0 sc0 ls21 ws20\">income<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xc29 h38 y6972 ff2 fs17 fc0 sc0 ls21 ws20\">cost<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x13ec h38 y6972 ff5 fs17 fc0 sc0 ls21 ws20\">sheet<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x96f h38 y6972 ff5 fs17 fc0 sc0 ls21 ws20\">Total<span class=\"_ _3eb\"> </span></td></tr><tr><td></td><td class=\"c n x13ed y6973 w173 h204\"><div class=\"t m0 x1ed h38 y6563 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x4be h38 y6974 ff5 fs17 fc0 sc0 ls21 ws20\">$million </td><td class=\"t m0 x2fa h38 y6974 ff5 fs17 fc0 sc0 ls21 ws20\">$million </td><td class=\"t m0 x233 h38 y6974 ff5 fs17 fc0 sc0 ls21 ws20\">$million </td><td class=\"t m0 x4c2 h38 y6974 ff5 fs17 fc0 sc0 ls21 ws20\">$million </td></tr><tr><td class=\"t m0 x235 h3d y6975 ff1 fs5 fc3 sc0 ls5 ws0\">On-balance sheet<span class=\"_ _266\"> </span><span class=\"ff6 ls0\"> <span class=\"_ _136\"> </span> <span class=\"_ _142\"> </span> <span class=\"_ _21e\"> </span> <span class=\"_ _142\"> </span> </span></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x236 y690f w97b h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">Debt securities and other eligible bills<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x13ee y690f w36a h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">6,345<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x13ef y690f wa44 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">11,272<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x13f0 y690f w128 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">10,046<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb55 y690f w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x13f1 y690f wa45 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">27,663<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x235 h3d y6976 ff1 fs5 fc3 sc0 ls5 ws0\">Off-balance sheet<span class=\"_ _f8\"> </span><span class=\"ff6 ls0\"> <span class=\"_ _21e\"> </span> <span class=\"_ _136\"> </span> <span class=\"_ _142\"> </span> <span class=\"_ _136\"> </span> </span></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x236 y68fe wa46 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Repledged collateral received<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x13f2 y68fe w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1353 y68fe w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x13f3 y68fe w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x13f4 y68fe wa34 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">18,173<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x13f5 y68fe wa34 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">18,173<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6977 w8b6 h203\"><div class=\"t m0 x1ed h3d y655f ff5 fs5 fc3 sc0 ls5 ws5\">At 31 December 2025<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x13f6 y6977 w36a h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">6,345<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x13f7 y6977 wa47 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">11,272<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x13f8 y6977 w128 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">10,046<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x13f9 y6977 wa34 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">18,173<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x13fa y6977 wa48 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">45,836<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x235 h3b y6978 ff1 fs5 fc3 sc0 ls5 ws0\">On-balance sheet<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x236 y6610 w97b h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Debt securities and other eligible bills<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x13fb y6610 wa49 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">4,698<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x13fc y6610 w324 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">6,366<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x13fd y6610 w330 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">7,592<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x13fe y6610 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x13ff y6610 w755 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">18,656<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x235 h3b y6979 ff1 fs5 fc3 sc0 ls5 ws0\">Off-balance sheet<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x236 y6566 wa46 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Repledged collateral received<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x13f2 y6566 w2bc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1353 y6566 w1cf h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x13f3 y6566 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1400 y6566 wa4a h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">27,708<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1401 y6566 w951 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">27,708<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6567 w8cb h203\"><div class=\"t m0 x1ed h1a y65de ff5 fs5 fc3 sc0 ls5 ws5\">At 31 December 2024<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1402 y6567 wa49 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">4,698<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1403 y6567 w324 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">6,366<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1404 y6567 wa4b h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">7,592<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1405 y6567 wa4a h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">27,708<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1406 y6567 wa4c h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">46,364</div></td></tr></table></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfRepurchaseAndReverseRepurchaseAgreementsExplanatory",
    "language": "en",
    "entity": "scheme:U4LOSYZ7YG4W3S5F2G91",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-712": {
   "value": "Accounting policy<span class=\"_ _3eb\"> </span>The Group purchases securities (a reverse <span class=\"_ _7\"></span>repurchase agreement \u2013 \u2018reverse repo\u2019) typically with <span class=\"_ _7\"></span>financial institutions subject to a commitment to resell or <span class=\"_ _7\"></span>return the securities at a predetermined price. <span class=\"_ _7\"></span>These securities are not included in <span class=\"_ _7\"></span>the balance sheet as the Group does not acquire the risks and rewards of ownership, however they are recorded off-balance sheet as collateral received. Consideration paid (or cash <span class=\"_ _7\"></span>collateral provided) is accounted for as a <span class=\"_ _7\"></span>loan asset at amortised cost unless it is managed on a fair <span class=\"_ _7\"></span>value basis or designated at fair value <span class=\"_ _7\"></span>through profit or loss. In the <span class=\"_ _7\"></span>majority of cases through the contractual terms of a reverse repo arrangement, the Group as the transferee of the security collateral has the right to sell<span class=\"_ gs36\"> </span>or<span class=\"_ gs36\"> </span>repledge the asset concerned. The Group also sells securities (a <span class=\"_ _7\"></span>repurchase agreement \u2013 \u2018repo\u2019) subject to a <span class=\"_ _7\"></span>commitment to repurchase or redeem the securities at a predetermined price. The <span class=\"_ _7\"></span>securities are retained on the balance sheet <span class=\"_ _7\"></span>as the Group retains substantially all the<span class=\"_ gs36\"> </span>risks and rewards of ownership and <span class=\"_ _7\"></span>these securities are disclosed as pledged collateral. <span class=\"_ _7\"></span>Consideration received (or cash collateral received) is accounted for as <span class=\"_ _7\"></span>a financial liability at amortised cost unless <span class=\"_ _7\"></span>it is either mandatorily classified as <span class=\"_ _7\"></span>fair value through profit or loss or <span class=\"_ _7\"></span>irrevocably designated at fair value through profit <span class=\"_ _7\"></span>or loss at initial recognition. Repo and reverse repo transactions typically <span class=\"_ _7\"></span>entitle the Group and its counterparties to <span class=\"_ _7\"></span>have recourse to assets similar to<span class=\"_ gs36\"> </span>those provided as collateral in the <span class=\"_ _7\"></span>event of a default. Securities sold subject <span class=\"_ _7\"></span>to repos, either by way of <span class=\"_ _7\"></span>a Global Master Repurchase Agreement (GMRA), or through a <span class=\"_ _7\"></span>securities sale and Total Return Swap (TRS) <span class=\"_ _7\"></span>continue to be recognised on<span class=\"_ gs36\"> </span>the<span class=\"_ gs36\"> </span>balance sheet as the Group retains <span class=\"_ _7\"></span>substantially the associated risks and rewards of <span class=\"_ _7\"></span>the securities (the TRS is not recognised). Assets sold under repurchase agreements <span class=\"_ _7\"></span>are considered encumbered as the Group cannot <span class=\"_ _7\"></span>pledge these to<span class=\"_ gs36\"> </span>obtain funding<span class=\"_ _3eb\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForRepurchaseAndReverseRepurchaseAgreementsExplanatory",
    "language": "en",
    "entity": "scheme:U4LOSYZ7YG4W3S5F2G91",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-685": {
   "value": "17. Goodwill and <span class=\"_ _1b\"></span>intangible assets<span class=\"_ _3eb\"> </span>Accounting policy<span class=\"_ _3eb\"> </span>Goodwill<span class=\"_ _3eb\"> </span>Goodwill on acquisitions of subsidiaries is <span class=\"_ _7\"></span>included in intangible assets. Goodwill on acquisitions <span class=\"_ _7\"></span>of associates is included in<span class=\"_ gs36\"> </span>Investments in associates and joint ventures. <span class=\"_ _7\"></span>Goodwill included in intangible assets is assessed <span class=\"_ _7\"></span>at each balance sheet date<span class=\"_ gs36\"> </span>for impairment and carried at cost <span class=\"_ _7\"></span>less any accumulated impairment losses. Gains and <span class=\"_ _7\"></span>losses on the disposal of an entity include the carrying amount of <span class=\"_ _7\"></span>goodwill relating to the entity sold. Detailed <span class=\"_ _7\"></span>calculations are performed based on forecasting expected cash flows of the <span class=\"_ _7\"></span>relevant cash generating units (CGUs) and discounting <span class=\"_ _7\"></span>these at an appropriate discount rate, the<span class=\"_ gs36\"> </span>determination of which requires <span class=\"_ _7\"></span>the exercise of judgement. Goodwill is allocated <span class=\"_ _7\"></span>to CGUs for the purpose of impairment testing. CGUs represent the <span class=\"_ _7\"></span>lowest level within the Group which generate <span class=\"_ _7\"></span>separate cash inflows and at which the goodwill is monitored for internal <span class=\"_ _7\"></span>management purposes. These are equal to or <span class=\"_ _7\"></span>smaller than the Group\u2019s reportable segments (as set out in Note <span class=\"_ _7\"></span>2) as the Group views its reportable <span class=\"_ _7\"></span>segments on a global basis. The <span class=\"_ _7\"></span>major CGUs to which goodwill has been allocated are set <span class=\"_ _7\"></span>out in the CGU table.<span class=\"_ _3eb\"> </span>Other accounting <span class=\"_ _7\"></span>estimates and <span class=\"_ _7\"></span>judgements<span class=\"_ _3eb\"> </span>The carrying amount of goodwill is <span class=\"_ _7\"></span>based on the application of judgements including <span class=\"_ _7\"></span>the basis of goodwill impairment calculation assumptions. Judgement is also applied <span class=\"_ _7\"></span>in determination of CGUs.<span class=\"_ _3eb\"> </span>Estimates include forecasts used for determining <span class=\"_ _7\"></span>cash flows for CGUs, the appropriate long-term <span class=\"_ _7\"></span>growth rates to use and<span class=\"_ gs36\"> </span>discount rates which factor in country <span class=\"_ _7\"></span>risk-free rates and applicable risk premiums. The <span class=\"_ _7\"></span>Group undertakes an annual assessment to evaluate whether the carrying <span class=\"_ _7\"></span>value of goodwill is impaired. The estimation <span class=\"_ _7\"></span>of future cash flows and the level<span class=\"_ gs36\"> </span>to which they are discounted is <span class=\"_ _7\"></span>inherently uncertain and requires significant judgement and <span class=\"_ _7\"></span>is subject to potential change over time.<span class=\"_ _3eb\"> </span>Acquired intangibles<span class=\"_ _3eb\"> </span>At the date of acquisition of <span class=\"_ _7\"></span>a subsidiary or associate, intangible assets which <span class=\"_ _7\"></span>are deemed separable and that arise <span class=\"_ _7\"></span>from contractual or other legal rights are <span class=\"_ _7\"></span>capitalised and included within the net identifiable <span class=\"_ _7\"></span>assets acquired. These intangible assets are initially measured at fair <span class=\"_ _7\"></span>value, which reflects market expectations of the <span class=\"_ _7\"></span>probability that the future economic benefits embodied in the asset will flow to the entity and are amortised on the basis of their expected useful lives (4 to 16<span class=\"_ gs36\"> </span>years). At each balance sheet date, <span class=\"_ _7\"></span>these assets are assessed for indicators of <span class=\"_ _7\"></span>impairment. In the event that an <span class=\"_ _7\"></span>asset\u2019s carrying amount is determined to be <span class=\"_ _7\"></span>greater than its recoverable amount, the asset <span class=\"_ _7\"></span>is written down immediately to the recoverable amount.<span class=\"_ _3eb\"> </span>Computer software<span class=\"_ _3eb\"> </span>Acquired computer software licences are capitalised <span class=\"_ _7\"></span>on the basis of the costs incurred <span class=\"_ _7\"></span>to acquire and bring to use <span class=\"_ _7\"></span>the specific<span class=\"_ gs36\"> </span>software. Internally generated software represents substantially all <span class=\"_ _7\"></span>of the total software capitalised. Direct costs <span class=\"_ _7\"></span>of the development of separately identifiable internally generated software <span class=\"_ _7\"></span>are capitalised where it is probable that <span class=\"_ _7\"></span>future economic benefits attributable to the software will flow <span class=\"_ _7\"></span>from its use. These costs include staff <span class=\"_ _7\"></span>remuneration costs such as salaries, statutory payments and share-based payments, materials, service providers and contractors provided their time is directly attributable to the software build. Costs incurred <span class=\"_ _7\"></span>in the ongoing maintenance of software are <span class=\"_ _7\"></span>expensed immediately when incurred. Internally generated software is amortised over <span class=\"_ _7\"></span>each asset\u2019s useful life to a maximum <span class=\"_ _7\"></span>of 10 years. On an annual <span class=\"_ _7\"></span>basis residual values and useful lives of software <span class=\"_ _7\"></span>assets, including software under development, are reviewed, <span class=\"_ _7\"></span>including assessing for indicators of impairment. Indicators of impairment <span class=\"_ _7\"></span>include loss of business relevance, obsolescence, exit <span class=\"_ _7\"></span>of the business to which the software relates, technological changes, change in use of the asset, reduction in useful life, plans to reduce usage or scope.<span class=\"_ _3eb\"> </span>For capitalised software that is internally <span class=\"_ _7\"></span>generated, judgement is required to determine which <span class=\"_ _7\"></span>costs relate to research (expensed) and which costs relate to <span class=\"_ _7\"></span>development (capitalised). Further judgement is required to <span class=\"_ _7\"></span>determine the technical feasibility of completing the software such <span class=\"_ _7\"></span>that it will be available for use. <span class=\"_ _7\"></span>Estimates are used to determine how <span class=\"_ _7\"></span>the software will generate probable future economic benefits: <span class=\"_ _7\"></span>these estimates include cost savings, income increases, <span class=\"_ _7\"></span>balance sheet improvements, improved functionality or improved asset <span class=\"_ _7\"></span>safeguarding.<span class=\"_ _3eb\"> </span>Software as a Service (SaaS) and <span class=\"_ _7\"></span>similar cloud service models is a contractual <span class=\"_ _7\"></span>arrangement that conveys the right to <span class=\"_ _7\"></span>receive access to the supplier\u2019s software application <span class=\"_ _7\"></span>over the contract term. As such, the <span class=\"_ _7\"></span>Group does not have control and <span class=\"_ _7\"></span>as a result recognises an operating expense for these <span class=\"_ _7\"></span>costs over the contract term.<span class=\"_ _3eb\"> </span>Certain costs, including customisation costs related <span class=\"_ _7\"></span>to implementation of the SaaS may meet <span class=\"_ _7\"></span>the definition of an intangible asset in their own right if <span class=\"_ _7\"></span>it is separately identifiable and control is <span class=\"_ _7\"></span>established. These costs are capitalised if <span class=\"_ _7\"></span>it is expected to provide the Group with future economic benefits flowing from the underlying resource and the Group can restrict others from accessing those benefits.<span class=\"_ _3eb\"> </span><table class=\"s wa4d h272\" id=\"_9404a6a9-8635-4ebc-95a3-d68707e9dd98\"><tr><td></td><td></td><td class=\"c n x86a y697a w306 h215\"><div class=\"t m0 x1ed h38 y6563 ff5 fs17 fc0 sc0 ls21 ws20\">2025<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td></td><td class=\"c n x86b y697a w46b h205\"><div class=\"t m0 x1ed h38 y6563 ff1 fs17 fc3 sc0 ls21 ws20\">2024<span class=\"_ _3eb\"> </span></div></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"t m0 x66f h38 y697b ff5 fs17 fc0 sc0 ls21 ws20\">Acquired </td><td class=\"t m0 x12e4 h38 y697b ff5 fs17 fc0 sc0 ls21 ws20\">Computer </td><td></td><td></td><td class=\"t m0 x2db h39 y697b ff1 fs17 fc3 sc0 ls21 ws20\">Acquired </td><td class=\"t m0 x230 h39 y697b ff1 fs17 fc3 sc0 ls21 ws20\">Computer </td><td></td></tr><tr><td></td><td class=\"t m0 x1278 h38 y697c ff5 fs17 fc0 sc0 ls21 ws20\">Goodwill<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x4b2 h38 y697c ff5 fs17 fc0 sc0 ls21 ws20\">intangibles<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xc2c h38 y697c ff5 fs17 fc0 sc0 ls21 ws20\">software<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x86e h38 y697c ff5 fs17 fc0 sc0 ls21 ws20\">Total<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x4ad h39 y697c ff1 fs17 fc3 sc0 ls21 ws20\">Goodwill<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x4ae h2c y697c ff4 fs17 fc3 sc0 ls21 ws20\">intangibles<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x4c1 h39 y697c ff1 fs17 fc3 sc0 ls21 ws20\">software<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x6cb h39 y697c ff1 fs17 fc3 sc0 ls21 ws20\">Total<span class=\"_ _3eb\"> </span></td></tr><tr><td></td><td class=\"t m0 x1407 h38 y697d ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x4bc h38 y697d ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x6bc h38 y697d ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x4be h38 y697d ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x4bf h2c y697d ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x4c0 h2c y697d ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x6bb h2c y697d ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x234 h2c y697d ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"t m0 x235 h8 y697e ff5 fs5 fc3 sc0 ls5 ws5\">Cost<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y6557 wa4e h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">At 1 January<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1408 y6557 w2cc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">2,387<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1409 y6557 wa4f h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">252<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8e0 y6557 wa50 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">6,301<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x140a y6557 wa51 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">8,940<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x140b y6557 w3af h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">2,429<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x140c y6557 w344 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">278<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x140d y6557 w9a2 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">6,168<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x140e y6557 w9dd h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">8,875<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6558 wa52 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Exchange translation differences<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x140f y6558 w1e6 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">32<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1410 y6558 w4b0 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">6<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1411 y6558 wa4f h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">225<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1412 y6558 w4c7 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">263<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1413 y6558 w270 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(42)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1414 y6558 wa53 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(18)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1415 y6558 w2d3 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(109)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1416 y6558 w9a2 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(169)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y658b wa54 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">Additions<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1417 y658b w47b h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">4<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1418 y658b w2f1 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1419 y658b w60 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">1,032<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x141a y658b w1bd h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">1,037<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x516 y658b w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x141b y658b w41a h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x141c y658b wa55 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">952<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x94f y658b w4ee h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">953<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6570 wa56 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">Disposals<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x141d y6570 w2bc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x141e y6570 w2bc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x141f y6570 w312 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(13)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1420 y6570 w95 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(13)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1421 y6570 w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1422 y6570 w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1423 y6570 w4db h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(5)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1424 y6570 w4db h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(5)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y655b wa57 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">Impairment<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1425 y655b w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1426 y655b w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c x1428 y655b wa58 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(121)</div><div class=\"t m0 x1427 h93 y697f ff6 fs1b fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1429 y655b wa59 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(121)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x142a y655b w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x142b y655b w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c x142d y655b wa5a h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(663)</div><div class=\"t m0 x142c h3c y697f ff1 fs1b fc3 sc0 ls2a ws29\">1,2</div></td><td class=\"t m0 x142e h1a y6980 ff4 fs5 fc3 sc0 ls5 ws5\">(663)<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c n x1ee y655c wa5b h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Amounts written off<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x142f y655c w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1430 y655c w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1431 y655c wa5c h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(21)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1432 y655c w266 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(21)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1433 y655c w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1434 y655c w4c8 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(9)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1435 y655c w277 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(42)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1436 y655c wa5d h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(51)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y655d wa5e h201\"><div class=\"t m0 x1ed h3d y6548 ff5 fs5 fc3 sc0 ls5 ws5\">At 31 December<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1437 y655d wa5f h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">2,423<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1438 y655d wa60 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">259<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1439 y655d w78f h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">7,403<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x143a y655d wa61 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">10,085<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x143b y655d wa62 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">2,387<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x143c y655d w380 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">252<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x143d y655d wa63 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">6,301<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x143e y655d w2a4 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">8,940<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x235 h8 y6981 ff5 fs5 fc3 sc0 ls5 ws5\">Provision for amortisation<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y6574 wa4e h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">At 1 January<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x143f y6574 w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1440 y6574 w377 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">249<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1441 y6574 w392 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">2,900<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1442 y6574 w1bd h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">3,149<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1443 y6574 w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1444 y6574 wa64 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">265<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1445 y6574 wa65 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">2,396<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1446 y6574 w8e7 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">2,661<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6560 wa52 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Exchange translation differences<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1447 y6560 w2bc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1448 y6560 w47b h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">4<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1449 y6560 w31f h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">115<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x144a y6560 wa66 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">119<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1443 y6560 w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x144b y6560 w8fa h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(20)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x144c y6560 w9aa h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(48)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x144d y6560 wa67 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(68)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6575 wa68 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">Amortisation<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x144e y6575 w2bc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x144f y6575 w2f0 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1450 y6575 wa69 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">687<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1451 y6575 wa6a h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">689<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1452 y6575 w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1453 y6575 w3c h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls0 ws0\">4<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1454 y6575 w3f2 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">695<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1455 y6575 w398 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">699<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y658d wa6b h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Impairment charge<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1456 y658d w2bc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1457 y658d w2bc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c x1459 y658d wa6c h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(76)</div><div class=\"t m0 x1458 h93 y6803 ff6 fs1b fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x145a y658d w8e3 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(76)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x145b y658d w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x145c y658d w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c x145e y658d wa6d h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(102)</div><div class=\"t m0 x145d h3c y6803 ff1 fs1b fc3 sc0 ls2a ws29\">1,2</div></td><td class=\"t m0 x96f h1a y6982 ff4 fs5 fc3 sc0 ls5 ws5\">(102)<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c n x1ee y658e wa56 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">Disposals<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x141d y658e w2bc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x141e y658e w2bc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x145f y658e w4a4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(6)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1460 y658e w4a4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(6)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1461 y658e w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1462 y658e w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1463 y658e w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1464 y658e w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6577 wa5b h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Amounts written off<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x142f y6577 w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1430 y6577 w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1431 y6577 wa5c h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(21)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1432 y6577 w266 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(21)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1433 y6577 w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1465 y6577 w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1466 y6577 w4c7 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(41)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1467 y6577 wa6e h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(41)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6566 wa5e h201\"><div class=\"t m0 x1ed h3d y6548 ff5 fs5 fc3 sc0 ls5 ws5\">At 31 December<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1468 y6566 w2bc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1469 y6566 wa6f h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">255<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x146a y6566 wa70 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">3,599<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x146b y6566 w1b4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">3,854<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x146c y6566 w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x146d y6566 w3db h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">249<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x146e y6566 w31a h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">2,900<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x146f y6566 w29a h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">3,149<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6567 wa71 h203\"><div class=\"t m0 x1ed h3d y655f ff5 fs5 fc3 sc0 ls5 ws5\">Net book value<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1470 y6567 wa72 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">2,423<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1471 y6567 w263 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">4<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1472 y6567 wa73 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">3,804<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1473 y6567 we0 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">6,231<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1474 y6567 w31d h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">2,387<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf29 y6567 w32 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls0 ws0\">3<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1475 y6567 wa74 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">3,401<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1476 y6567 wa75 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">5,791<span class=\"_ _3eb\"> </span></div></td></tr></table>1 <span class=\"_ _b\"> </span><span class=\"ff4\">The Group has performed its annual review of computer software intangibles to determine <span class=\"_ _7\"></span>instances when carrying value is greater than its <span class=\"_ _7\"></span>recoverable amount </span>and impaired $45 million (31 December 2024: $78 <span class=\"_ _7\"></span>million).<span class=\"_ _3eb\"> </span>2 <span class=\"_ _f\"> </span><span class=\"ff4\">During 2024, the Group performed a review of its computer software intangibles <span class=\"_ _7\"></span>which were capitalised as at 31 December 2023, <span class=\"_ _7\"></span>and impaired $483 million </span>of<span class=\"_ gs1a2\"> </span>the<span class=\"_ gs1a2\"> </span>2024 net book value due to limitations in <span class=\"_ _7\"></span>the available evidence to support the continued capitalisation <span class=\"_ _7\"></span>of the assets.<span class=\"_ _3eb\"> </span>At 31 December 2025, accumulated goodwill <span class=\"_ _7\"></span>impairment losses incurred from 1 January 2005 <span class=\"_ _7\"></span>amounted to $3,331 million (31<span class=\"_ gs36\"> </span>December 2024: $3,331 million), of which <span class=\"_ _7\"></span>$nil was recognised in 2025 (31 December <span class=\"_ _7\"></span>2024: $nil).<span class=\"_ _3eb\"> </span>CGU structure<span class=\"_ _3eb\"> </span>When considering the generation of independent <span class=\"_ _7\"></span>cash inflows and appropriate level of management, <span class=\"_ _7\"></span>Corporate &amp; Investment Banking and Wealth Management are managed <span class=\"_ _7\"></span>on a global basis, while Retail Banking <span class=\"_ _7\"></span>and others including Treasury Market activities are managed on a country <span class=\"_ _7\"></span>basis.<span class=\"_ _3eb\"> </span>Outcome of impairment <span class=\"_ _7\"></span>assessment<span class=\"_ _3eb\"> </span>An annual assessment is made as <span class=\"_ _7\"></span>to whether the current carrying value of <span class=\"_ _7\"></span>goodwill is impaired. For the purposes <span class=\"_ _7\"></span>of impairment testing, goodwill is allocated at the <span class=\"_ _7\"></span>date of acquisition to a CGU. Goodwill <span class=\"_ _7\"></span>is considered to be impaired if <span class=\"_ _7\"></span>the carrying amount of the relevant CGU exceeds its <span class=\"_ _7\"></span>recoverable amount. Indicators of impairment include changes <span class=\"_ _7\"></span>in the economic performance and outlook of the region including <span class=\"_ _7\"></span>geopolitical changes, changes in market value of <span class=\"_ _7\"></span>regional investments, large credit defaults and strategic decisions to exit certain <span class=\"_ _7\"></span>regions. The recoverable amounts for all the <span class=\"_ _7\"></span>CGUs were measured based on value in <span class=\"_ _7\"></span>use (VIU). The calculation of VIU <span class=\"_ _7\"></span>for each CGU is<span class=\"_ gs36\"> </span>calculated using five-year cashflow projections and <span class=\"_ _7\"></span>an estimated terminal value based on a <span class=\"_ _7\"></span>perpetuity value after year five. The cashflow projections are based on <span class=\"_ _7\"></span>forecasts approved by management up to 2030. The perpetuity terminal value amount is <span class=\"_ _7\"></span>calculated using year five cashflows using long-term <span class=\"_ _7\"></span>GDP growth rates. All cashflows are discounted using discount rates which <span class=\"_ _7\"></span>reflect market rates appropriate to the CGU.<span class=\"_ _3eb\"> </span>The goodwill allocated to material CGUs <span class=\"_ _7\"></span>and key assumptions used in determining the <span class=\"_ _7\"></span>recoverable amounts are set out below and are solely estimates for the <span class=\"_ _7\"></span>purposes of assessing impairment of acquired goodwill.<span class=\"_ _3eb\"> </span><table class=\"s wa76 h273\" id=\"_05249617-d8b5-4148-965b-783391d541c9\"><tr><td></td><td></td><td class=\"c n x113c y6983 w306 h215\"><div class=\"t m0 x1ed h38 y6563 ff5 fs17 fc0 sc0 ls21 ws20\">2025<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td class=\"c n x113d y6983 w46b h205\"><div class=\"t m0 x1ed h38 y6563 ff1 fs17 fc3 sc0 ls21 ws20\">2024<span class=\"_ _3eb\"> </span></div></td><td></td></tr><tr><td></td><td></td><td></td><td class=\"t m0 x1477 h38 y6984 ff5 fs17 fc0 sc0 ls21 ws20\">Long-term </td><td></td><td></td><td class=\"t m0 x1478 h39 y6984 ff1 fs17 fc3 sc0 ls21 ws20\">Long-term </td></tr><tr><td></td><td></td><td class=\"t m0 x8bc h38 y6985 ff5 fs17 fc0 sc0 ls21 ws20\">Pre Tax </td><td class=\"t m0 x1479 h38 y6985 ff5 fs17 fc0 sc0 ls21 ws20\">forecast GDP </td><td></td><td class=\"t m0 x8fa h39 y6985 ff1 fs17 fc3 sc0 ls21 ws0\">Pre Tax </td><td class=\"t m0 x11c3 h39 y6985 ff1 fs17 fc3 sc0 ls21 ws0\">forecast GDP </td></tr><tr><td></td><td class=\"t m0 x52f h38 y6986 ff5 fs17 fc0 sc0 ls21 ws20\">Goodwill<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xd2b h38 y6986 ff2 fs17 fc0 sc0 ls21 ws0\">Discount rates<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x9cb h38 y6986 ff5 fs17 fc0 sc0 ls21 ws20\">growth rates<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xb9a h39 y6986 ff1 fs17 fc3 sc0 ls21 ws20\">Goodwill<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x147a h39 y6986 ff1 fs17 fc3 sc0 ls21 ws0\">Discount rates<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x147b h39 y6986 ff1 fs17 fc3 sc0 ls21 ws0\">growth rates<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c x1ee y6988 wa77 h1ff\"><div class=\"t m0 x1ed h8 y68e4 ff5 fs5 fc3 sc0 ls5 ws5\">Cash generating unit</div><div class=\"t m0 x147c h93 y6987 ff6 fs1b fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x8f9 h38 y6989 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1206 h38 y6989 ff2 fs17 fc0 sc0 ls21 ws0\">per cent<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x404 h38 y6989 ff2 fs17 fc0 sc0 ls21 ws0\">per cent<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x405 h2c y6989 ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x10c7 h39 y6989 ff1 fs17 fc3 sc0 ls21 ws0\">per cent<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x12b1 h39 y6989 ff1 fs17 fc3 sc0 ls21 ws0\">per cent<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"t m0 x221 h8 y698a ff5 fs5 fc3 sc0 ls5 ws5\">Country CGUs<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y655b w461 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff5 fs5 fc3 sc0 ls5 ws5\">Asia<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x147d y655b wa50 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">1,036<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td class=\"c n x147e y655b w1f4 h1fe\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">1,014<span class=\"_ _3eb\"> </span></div></td><td></td><td></td></tr><tr><td class=\"c n x40b y655c wa78 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Hong Kong<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x147f y655c w8a6 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">358<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1480 y655c wa79 h201\"><div class=\"t m0 x1ed h3d y6548 ff7 fs5 fc3 sc0 ls5 ws5\">13.0<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1481 y655c w45e h201\"><div class=\"t m0 x1ed h3d y6548 ff7 fs5 fc3 sc0 ls5 ws5\">1.0<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1482 y655c w4ee h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">359<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1483 y655c wa7a h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">13.0<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1484 y655c wa7b h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">1.1<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x40b y655d wa7c h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">Taiwan<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1485 y655d wa7d h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">327<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1486 y655d we7 h201\"><div class=\"t m0 x1ed h3d y6548 ff7 fs5 fc3 sc0 ls5 ws5\">12.2<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1487 y655d wa7e h201\"><div class=\"t m0 x1ed h3d y6548 ff7 fs5 fc3 sc0 ls5 ws5\">1.3<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1488 y655d w4bd h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">316<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1489 y655d wa7f h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">12.2<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x148a y655d wa80 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">1.5<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x40b y6573 wa81 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">Singapore<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x148b y6573 w3ed h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">351<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x148c y6573 wa82 h201\"><div class=\"t m0 x1ed h3d y6548 ff7 fs5 fc3 sc0 ls5 ws5\">13.1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x148d y6573 w44f h201\"><div class=\"t m0 x1ed h3d y6548 ff7 fs5 fc3 sc0 ls5 ws5\">2.0<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x148e y6573 w382 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">339<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x148f y6573 wa7a h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">13.0<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1490 y6573 w6e3 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">2.3<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6574 wa83 h201\"><div class=\"t m0 x1ed h3d y6548 ff5 fs5 fc3 sc0 ls5 ws5\">Africa &amp; Middle East<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1491 y6574 wa84 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">80<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td class=\"c n x1492 y6574 we3 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">81<span class=\"_ _3eb\"> </span></div></td><td></td><td></td></tr><tr><td class=\"c n x40b y6560 wa85 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">Pakistan<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1493 y6560 w423 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">31<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1494 y6560 wc9 h201\"><div class=\"t m0 x1ed h3d y6548 ff7 fs5 fc3 sc0 ls5 ws5\">33.9<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1495 y6560 wa86 h201\"><div class=\"t m0 x1ed h3d y6548 ff7 fs5 fc3 sc0 ls5 ws5\">2.5<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1496 y6560 wa2 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">32<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1497 y6560 wa87 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">35.9<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1498 y6560 wa88 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">3.3<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x40b y6561 w2f6 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">Bahrain<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1499 y6561 w7be h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">49<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x149a y6561 wa89 h201\"><div class=\"t m0 x1ed h3d y6548 ff7 fs5 fc3 sc0 ls5 ws5\">16.1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x149b y6561 wa8a h201\"><div class=\"t m0 x1ed h3d y6548 ff7 fs5 fc3 sc0 ls5 ws5\">1.0<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x149c y6561 w475 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">49<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x149d y6561 wa8b h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">12.4<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x149e y6561 wa8c h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">0.8<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6562 wa8d h201\"><div class=\"t m0 x1ed h3d y6548 ff5 fs5 fc3 sc0 ls5 ws5\">Global CGUs<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x149f y6562 wa8e h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">1,303<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td class=\"c n x14a0 y6562 wa75 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">1,292<span class=\"_ _3eb\"> </span></div></td><td></td><td></td></tr><tr><td class=\"c n x40b y6610 wa8f h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Wealth Management<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x14a1 y6610 w9a7 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">83<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x14a2 y6610 w859 h201\"><div class=\"t m0 x1ed h3d y6548 ff7 fs5 fc3 sc0 ls5 ws5\">15.1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x14a3 y6610 wa90 h201\"><div class=\"t m0 x1ed h3d y6548 ff7 fs5 fc3 sc0 ls5 ws5\">1.6<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x14a4 y6610 w3a6 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">83<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x14a5 y6610 wa91 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">15.0<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x14a6 y6610 wac h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">1.8<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x40b y6577 w48e h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Corporate &amp; Investment Banking<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x14a7 y6577 w126 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">1,220<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x14a8 y6577 wa92 h201\"><div class=\"t m0 x1ed h3d y6548 ff7 fs5 fc3 sc0 ls5 ws5\">15.9<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x14a9 y6577 wa93 h201\"><div class=\"t m0 x1ed h3d y6548 ff7 fs5 fc3 sc0 ls5 ws5\">2.1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x14aa y6577 w4d6 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">1,209<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x14ab y6577 wa94 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">15.5<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x14ac y6577 w6e3 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">2.3<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td class=\"c n xa20 y6567 wa95 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">2,419<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td class=\"c n x14ad y6567 wa62 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">2,387<span class=\"_ _3eb\"> </span></div></td><td></td><td></td></tr></table>1 <span class=\"_ _b\"> </span><span class=\"ff4\">Excludes other goodwill balances of $4 million.<span class=\"_ _3eb\"> </span></span>In the current year, there are no CGUs for which reasonably possible changes on key estimates (cashflow, discount rate and<span class=\"_ gs36\"> </span>GDP growth) would cause an impairment.",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfIntangibleAssetsExplanatory",
    "language": "en",
    "entity": "scheme:U4LOSYZ7YG4W3S5F2G91",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-666": {
   "value": "17. Goodwill and <span class=\"_ _1b\"></span>intangible assets<span class=\"_ _3eb\"> </span>Accounting policy<span class=\"_ _3eb\"> </span>Goodwill<span class=\"_ _3eb\"> </span>Goodwill on acquisitions of subsidiaries is <span class=\"_ _7\"></span>included in intangible assets. Goodwill on acquisitions <span class=\"_ _7\"></span>of associates is included in<span class=\"_ gs36\"> </span>Investments in associates and joint ventures. <span class=\"_ _7\"></span>Goodwill included in intangible assets is assessed <span class=\"_ _7\"></span>at each balance sheet date<span class=\"_ gs36\"> </span>for impairment and carried at cost <span class=\"_ _7\"></span>less any accumulated impairment losses. Gains and <span class=\"_ _7\"></span>losses on the disposal of an entity include the carrying amount of <span class=\"_ _7\"></span>goodwill relating to the entity sold. Detailed <span class=\"_ _7\"></span>calculations are performed based on forecasting expected cash flows of the <span class=\"_ _7\"></span>relevant cash generating units (CGUs) and discounting <span class=\"_ _7\"></span>these at an appropriate discount rate, the<span class=\"_ gs36\"> </span>determination of which requires <span class=\"_ _7\"></span>the exercise of judgement. Goodwill is allocated <span class=\"_ _7\"></span>to CGUs for the purpose of impairment testing. CGUs represent the <span class=\"_ _7\"></span>lowest level within the Group which generate <span class=\"_ _7\"></span>separate cash inflows and at which the goodwill is monitored for internal <span class=\"_ _7\"></span>management purposes. These are equal to or <span class=\"_ _7\"></span>smaller than the Group\u2019s reportable segments (as set out in Note <span class=\"_ _7\"></span>2) as the Group views its reportable <span class=\"_ _7\"></span>segments on a global basis. The <span class=\"_ _7\"></span>major CGUs to which goodwill has been allocated are set <span class=\"_ _7\"></span>out in the CGU table.<span class=\"_ _3eb\"> </span>Other accounting <span class=\"_ _7\"></span>estimates and <span class=\"_ _7\"></span>judgements<span class=\"_ _3eb\"> </span>The carrying amount of goodwill is <span class=\"_ _7\"></span>based on the application of judgements including <span class=\"_ _7\"></span>the basis of goodwill impairment calculation assumptions. Judgement is also applied <span class=\"_ _7\"></span>in determination of CGUs.<span class=\"_ _3eb\"> </span>Estimates include forecasts used for determining <span class=\"_ _7\"></span>cash flows for CGUs, the appropriate long-term <span class=\"_ _7\"></span>growth rates to use and<span class=\"_ gs36\"> </span>discount rates which factor in country <span class=\"_ _7\"></span>risk-free rates and applicable risk premiums. The <span class=\"_ _7\"></span>Group undertakes an annual assessment to evaluate whether the carrying <span class=\"_ _7\"></span>value of goodwill is impaired. The estimation <span class=\"_ _7\"></span>of future cash flows and the level<span class=\"_ gs36\"> </span>to which they are discounted is <span class=\"_ _7\"></span>inherently uncertain and requires significant judgement and <span class=\"_ _7\"></span>is subject to potential change over time.<span class=\"_ _3eb\"> </span>Acquired intangibles<span class=\"_ _3eb\"> </span>At the date of acquisition of <span class=\"_ _7\"></span>a subsidiary or associate, intangible assets which <span class=\"_ _7\"></span>are deemed separable and that arise <span class=\"_ _7\"></span>from contractual or other legal rights are <span class=\"_ _7\"></span>capitalised and included within the net identifiable <span class=\"_ _7\"></span>assets acquired. These intangible assets are initially measured at fair <span class=\"_ _7\"></span>value, which reflects market expectations of the <span class=\"_ _7\"></span>probability that the future economic benefits embodied in the asset will flow to the entity and are amortised on the basis of their expected useful lives (4 to 16<span class=\"_ gs36\"> </span>years). At each balance sheet date, <span class=\"_ _7\"></span>these assets are assessed for indicators of <span class=\"_ _7\"></span>impairment. In the event that an <span class=\"_ _7\"></span>asset\u2019s carrying amount is determined to be <span class=\"_ _7\"></span>greater than its recoverable amount, the asset <span class=\"_ _7\"></span>is written down immediately to the recoverable amount.<span class=\"_ _3eb\"> </span>Computer software<span class=\"_ _3eb\"> </span>Acquired computer software licences are capitalised <span class=\"_ _7\"></span>on the basis of the costs incurred <span class=\"_ _7\"></span>to acquire and bring to use <span class=\"_ _7\"></span>the specific<span class=\"_ gs36\"> </span>software. Internally generated software represents substantially all <span class=\"_ _7\"></span>of the total software capitalised. Direct costs <span class=\"_ _7\"></span>of the development of separately identifiable internally generated software <span class=\"_ _7\"></span>are capitalised where it is probable that <span class=\"_ _7\"></span>future economic benefits attributable to the software will flow <span class=\"_ _7\"></span>from its use. These costs include staff <span class=\"_ _7\"></span>remuneration costs such as salaries, statutory payments and share-based payments, materials, service providers and contractors provided their time is directly attributable to the software build. Costs incurred <span class=\"_ _7\"></span>in the ongoing maintenance of software are <span class=\"_ _7\"></span>expensed immediately when incurred. Internally generated software is amortised over <span class=\"_ _7\"></span>each asset\u2019s useful life to a maximum <span class=\"_ _7\"></span>of 10 years. On an annual <span class=\"_ _7\"></span>basis residual values and useful lives of software <span class=\"_ _7\"></span>assets, including software under development, are reviewed, <span class=\"_ _7\"></span>including assessing for indicators of impairment. Indicators of impairment <span class=\"_ _7\"></span>include loss of business relevance, obsolescence, exit <span class=\"_ _7\"></span>of the business to which the software relates, technological changes, change in use of the asset, reduction in useful life, plans to reduce usage or scope.<span class=\"_ _3eb\"> </span>For capitalised software that is internally <span class=\"_ _7\"></span>generated, judgement is required to determine which <span class=\"_ _7\"></span>costs relate to research (expensed) and which costs relate to <span class=\"_ _7\"></span>development (capitalised). Further judgement is required to <span class=\"_ _7\"></span>determine the technical feasibility of completing the software such <span class=\"_ _7\"></span>that it will be available for use. <span class=\"_ _7\"></span>Estimates are used to determine how <span class=\"_ _7\"></span>the software will generate probable future economic benefits: <span class=\"_ _7\"></span>these estimates include cost savings, income increases, <span class=\"_ _7\"></span>balance sheet improvements, improved functionality or improved asset <span class=\"_ _7\"></span>safeguarding.<span class=\"_ _3eb\"> </span>Software as a Service (SaaS) and <span class=\"_ _7\"></span>similar cloud service models is a contractual <span class=\"_ _7\"></span>arrangement that conveys the right to <span class=\"_ _7\"></span>receive access to the supplier\u2019s software application <span class=\"_ _7\"></span>over the contract term. As such, the <span class=\"_ _7\"></span>Group does not have control and <span class=\"_ _7\"></span>as a result recognises an operating expense for these <span class=\"_ _7\"></span>costs over the contract term.<span class=\"_ _3eb\"> </span>Certain costs, including customisation costs related <span class=\"_ _7\"></span>to implementation of the SaaS may meet <span class=\"_ _7\"></span>the definition of an intangible asset in their own right if <span class=\"_ _7\"></span>it is separately identifiable and control is <span class=\"_ _7\"></span>established. These costs are capitalised if <span class=\"_ _7\"></span>it is expected to provide the Group with future economic benefits flowing from the underlying resource and the Group can restrict others from accessing those benefits.<span class=\"_ _3eb\"> </span><table class=\"s wa4d h272\" id=\"_9404a6a9-8635-4ebc-95a3-d68707e9dd98\"><tr><td></td><td></td><td class=\"c n x86a y697a w306 h215\"><div class=\"t m0 x1ed h38 y6563 ff5 fs17 fc0 sc0 ls21 ws20\">2025<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td></td><td class=\"c n x86b y697a w46b h205\"><div class=\"t m0 x1ed h38 y6563 ff1 fs17 fc3 sc0 ls21 ws20\">2024<span class=\"_ _3eb\"> </span></div></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"t m0 x66f h38 y697b ff5 fs17 fc0 sc0 ls21 ws20\">Acquired </td><td class=\"t m0 x12e4 h38 y697b ff5 fs17 fc0 sc0 ls21 ws20\">Computer </td><td></td><td></td><td class=\"t m0 x2db h39 y697b ff1 fs17 fc3 sc0 ls21 ws20\">Acquired </td><td class=\"t m0 x230 h39 y697b ff1 fs17 fc3 sc0 ls21 ws20\">Computer </td><td></td></tr><tr><td></td><td class=\"t m0 x1278 h38 y697c ff5 fs17 fc0 sc0 ls21 ws20\">Goodwill<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x4b2 h38 y697c ff5 fs17 fc0 sc0 ls21 ws20\">intangibles<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xc2c h38 y697c ff5 fs17 fc0 sc0 ls21 ws20\">software<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x86e h38 y697c ff5 fs17 fc0 sc0 ls21 ws20\">Total<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x4ad h39 y697c ff1 fs17 fc3 sc0 ls21 ws20\">Goodwill<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x4ae h2c y697c ff4 fs17 fc3 sc0 ls21 ws20\">intangibles<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x4c1 h39 y697c ff1 fs17 fc3 sc0 ls21 ws20\">software<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x6cb h39 y697c ff1 fs17 fc3 sc0 ls21 ws20\">Total<span class=\"_ _3eb\"> </span></td></tr><tr><td></td><td class=\"t m0 x1407 h38 y697d ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x4bc h38 y697d ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x6bc h38 y697d ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x4be h38 y697d ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x4bf h2c y697d ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x4c0 h2c y697d ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x6bb h2c y697d ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x234 h2c y697d ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"t m0 x235 h8 y697e ff5 fs5 fc3 sc0 ls5 ws5\">Cost<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y6557 wa4e h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">At 1 January<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1408 y6557 w2cc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">2,387<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1409 y6557 wa4f h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">252<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8e0 y6557 wa50 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">6,301<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x140a y6557 wa51 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">8,940<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x140b y6557 w3af h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">2,429<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x140c y6557 w344 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">278<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x140d y6557 w9a2 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">6,168<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x140e y6557 w9dd h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">8,875<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6558 wa52 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Exchange translation differences<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x140f y6558 w1e6 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">32<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1410 y6558 w4b0 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">6<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1411 y6558 wa4f h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">225<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1412 y6558 w4c7 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">263<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1413 y6558 w270 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(42)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1414 y6558 wa53 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(18)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1415 y6558 w2d3 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(109)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1416 y6558 w9a2 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(169)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y658b wa54 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">Additions<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1417 y658b w47b h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">4<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1418 y658b w2f1 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1419 y658b w60 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">1,032<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x141a y658b w1bd h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">1,037<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x516 y658b w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x141b y658b w41a h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x141c y658b wa55 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">952<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x94f y658b w4ee h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">953<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6570 wa56 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">Disposals<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x141d y6570 w2bc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x141e y6570 w2bc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x141f y6570 w312 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(13)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1420 y6570 w95 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(13)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1421 y6570 w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1422 y6570 w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1423 y6570 w4db h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(5)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1424 y6570 w4db h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(5)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y655b wa57 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">Impairment<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1425 y655b w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1426 y655b w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c x1428 y655b wa58 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(121)</div><div class=\"t m0 x1427 h93 y697f ff6 fs1b fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1429 y655b wa59 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(121)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x142a y655b w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x142b y655b w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c x142d y655b wa5a h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(663)</div><div class=\"t m0 x142c h3c y697f ff1 fs1b fc3 sc0 ls2a ws29\">1,2</div></td><td class=\"t m0 x142e h1a y6980 ff4 fs5 fc3 sc0 ls5 ws5\">(663)<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c n x1ee y655c wa5b h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Amounts written off<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x142f y655c w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1430 y655c w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1431 y655c wa5c h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(21)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1432 y655c w266 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(21)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1433 y655c w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1434 y655c w4c8 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(9)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1435 y655c w277 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(42)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1436 y655c wa5d h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(51)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y655d wa5e h201\"><div class=\"t m0 x1ed h3d y6548 ff5 fs5 fc3 sc0 ls5 ws5\">At 31 December<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1437 y655d wa5f h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">2,423<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1438 y655d wa60 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">259<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1439 y655d w78f h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">7,403<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x143a y655d wa61 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">10,085<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x143b y655d wa62 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">2,387<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x143c y655d w380 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">252<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x143d y655d wa63 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">6,301<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x143e y655d w2a4 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">8,940<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x235 h8 y6981 ff5 fs5 fc3 sc0 ls5 ws5\">Provision for amortisation<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y6574 wa4e h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">At 1 January<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x143f y6574 w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1440 y6574 w377 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">249<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1441 y6574 w392 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">2,900<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1442 y6574 w1bd h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">3,149<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1443 y6574 w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1444 y6574 wa64 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">265<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1445 y6574 wa65 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">2,396<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1446 y6574 w8e7 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">2,661<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6560 wa52 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Exchange translation differences<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1447 y6560 w2bc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1448 y6560 w47b h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">4<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1449 y6560 w31f h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">115<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x144a y6560 wa66 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">119<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1443 y6560 w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x144b y6560 w8fa h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(20)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x144c y6560 w9aa h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(48)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x144d y6560 wa67 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(68)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6575 wa68 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">Amortisation<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x144e y6575 w2bc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x144f y6575 w2f0 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1450 y6575 wa69 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">687<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1451 y6575 wa6a h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">689<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1452 y6575 w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1453 y6575 w3c h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls0 ws0\">4<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1454 y6575 w3f2 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">695<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1455 y6575 w398 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">699<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y658d wa6b h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Impairment charge<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1456 y658d w2bc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1457 y658d w2bc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c x1459 y658d wa6c h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(76)</div><div class=\"t m0 x1458 h93 y6803 ff6 fs1b fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x145a y658d w8e3 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(76)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x145b y658d w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x145c y658d w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c x145e y658d wa6d h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(102)</div><div class=\"t m0 x145d h3c y6803 ff1 fs1b fc3 sc0 ls2a ws29\">1,2</div></td><td class=\"t m0 x96f h1a y6982 ff4 fs5 fc3 sc0 ls5 ws5\">(102)<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c n x1ee y658e wa56 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">Disposals<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x141d y658e w2bc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x141e y658e w2bc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x145f y658e w4a4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(6)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1460 y658e w4a4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(6)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1461 y658e w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1462 y658e w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1463 y658e w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1464 y658e w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6577 wa5b h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Amounts written off<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x142f y6577 w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1430 y6577 w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1431 y6577 wa5c h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(21)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1432 y6577 w266 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(21)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1433 y6577 w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1465 y6577 w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1466 y6577 w4c7 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(41)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1467 y6577 wa6e h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(41)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6566 wa5e h201\"><div class=\"t m0 x1ed h3d y6548 ff5 fs5 fc3 sc0 ls5 ws5\">At 31 December<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1468 y6566 w2bc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1469 y6566 wa6f h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">255<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x146a y6566 wa70 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">3,599<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x146b y6566 w1b4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">3,854<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x146c y6566 w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x146d y6566 w3db h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">249<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x146e y6566 w31a h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">2,900<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x146f y6566 w29a h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">3,149<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6567 wa71 h203\"><div class=\"t m0 x1ed h3d y655f ff5 fs5 fc3 sc0 ls5 ws5\">Net book value<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1470 y6567 wa72 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">2,423<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1471 y6567 w263 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">4<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1472 y6567 wa73 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">3,804<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1473 y6567 we0 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">6,231<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1474 y6567 w31d h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">2,387<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf29 y6567 w32 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls0 ws0\">3<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1475 y6567 wa74 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">3,401<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1476 y6567 wa75 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">5,791<span class=\"_ _3eb\"> </span></div></td></tr></table>1 <span class=\"_ _b\"> </span><span class=\"ff4\">The Group has performed its annual review of computer software intangibles to determine <span class=\"_ _7\"></span>instances when carrying value is greater than its <span class=\"_ _7\"></span>recoverable amount </span>and impaired $45 million (31 December 2024: $78 <span class=\"_ _7\"></span>million).<span class=\"_ _3eb\"> </span>2 <span class=\"_ _f\"> </span><span class=\"ff4\">During 2024, the Group performed a review of its computer software intangibles <span class=\"_ _7\"></span>which were capitalised as at 31 December 2023, <span class=\"_ _7\"></span>and impaired $483 million </span>of<span class=\"_ gs1a2\"> </span>the<span class=\"_ gs1a2\"> </span>2024 net book value due to limitations in <span class=\"_ _7\"></span>the available evidence to support the continued capitalisation <span class=\"_ _7\"></span>of the assets.<span class=\"_ _3eb\"> </span>At 31 December 2025, accumulated goodwill <span class=\"_ _7\"></span>impairment losses incurred from 1 January 2005 <span class=\"_ _7\"></span>amounted to $3,331 million (31<span class=\"_ gs36\"> </span>December 2024: $3,331 million), of which <span class=\"_ _7\"></span>$nil was recognised in 2025 (31 December <span class=\"_ _7\"></span>2024: $nil).<span class=\"_ _3eb\"> </span>CGU structure<span class=\"_ _3eb\"> </span>When considering the generation of independent <span class=\"_ _7\"></span>cash inflows and appropriate level of management, <span class=\"_ _7\"></span>Corporate &amp; Investment Banking and Wealth Management are managed <span class=\"_ _7\"></span>on a global basis, while Retail Banking <span class=\"_ _7\"></span>and others including Treasury Market activities are managed on a country <span class=\"_ _7\"></span>basis.<span class=\"_ _3eb\"> </span>Outcome of impairment <span class=\"_ _7\"></span>assessment<span class=\"_ _3eb\"> </span>An annual assessment is made as <span class=\"_ _7\"></span>to whether the current carrying value of <span class=\"_ _7\"></span>goodwill is impaired. For the purposes <span class=\"_ _7\"></span>of impairment testing, goodwill is allocated at the <span class=\"_ _7\"></span>date of acquisition to a CGU. Goodwill <span class=\"_ _7\"></span>is considered to be impaired if <span class=\"_ _7\"></span>the carrying amount of the relevant CGU exceeds its <span class=\"_ _7\"></span>recoverable amount. Indicators of impairment include changes <span class=\"_ _7\"></span>in the economic performance and outlook of the region including <span class=\"_ _7\"></span>geopolitical changes, changes in market value of <span class=\"_ _7\"></span>regional investments, large credit defaults and strategic decisions to exit certain <span class=\"_ _7\"></span>regions. The recoverable amounts for all the <span class=\"_ _7\"></span>CGUs were measured based on value in <span class=\"_ _7\"></span>use (VIU). The calculation of VIU <span class=\"_ _7\"></span>for each CGU is<span class=\"_ gs36\"> </span>calculated using five-year cashflow projections and <span class=\"_ _7\"></span>an estimated terminal value based on a <span class=\"_ _7\"></span>perpetuity value after year five. The cashflow projections are based on <span class=\"_ _7\"></span>forecasts approved by management up to 2030. The perpetuity terminal value amount is <span class=\"_ _7\"></span>calculated using year five cashflows using long-term <span class=\"_ _7\"></span>GDP growth rates. All cashflows are discounted using discount rates which <span class=\"_ _7\"></span>reflect market rates appropriate to the CGU.<span class=\"_ _3eb\"> </span>The goodwill allocated to material CGUs <span class=\"_ _7\"></span>and key assumptions used in determining the <span class=\"_ _7\"></span>recoverable amounts are set out below and are solely estimates for the <span class=\"_ _7\"></span>purposes of assessing impairment of acquired goodwill.<span class=\"_ _3eb\"> </span><table class=\"s wa76 h273\" id=\"_05249617-d8b5-4148-965b-783391d541c9\"><tr><td></td><td></td><td class=\"c n x113c y6983 w306 h215\"><div class=\"t m0 x1ed h38 y6563 ff5 fs17 fc0 sc0 ls21 ws20\">2025<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td class=\"c n x113d y6983 w46b h205\"><div class=\"t m0 x1ed h38 y6563 ff1 fs17 fc3 sc0 ls21 ws20\">2024<span class=\"_ _3eb\"> </span></div></td><td></td></tr><tr><td></td><td></td><td></td><td class=\"t m0 x1477 h38 y6984 ff5 fs17 fc0 sc0 ls21 ws20\">Long-term </td><td></td><td></td><td class=\"t m0 x1478 h39 y6984 ff1 fs17 fc3 sc0 ls21 ws20\">Long-term </td></tr><tr><td></td><td></td><td class=\"t m0 x8bc h38 y6985 ff5 fs17 fc0 sc0 ls21 ws20\">Pre Tax </td><td class=\"t m0 x1479 h38 y6985 ff5 fs17 fc0 sc0 ls21 ws20\">forecast GDP </td><td></td><td class=\"t m0 x8fa h39 y6985 ff1 fs17 fc3 sc0 ls21 ws0\">Pre Tax </td><td class=\"t m0 x11c3 h39 y6985 ff1 fs17 fc3 sc0 ls21 ws0\">forecast GDP </td></tr><tr><td></td><td class=\"t m0 x52f h38 y6986 ff5 fs17 fc0 sc0 ls21 ws20\">Goodwill<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xd2b h38 y6986 ff2 fs17 fc0 sc0 ls21 ws0\">Discount rates<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x9cb h38 y6986 ff5 fs17 fc0 sc0 ls21 ws20\">growth rates<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xb9a h39 y6986 ff1 fs17 fc3 sc0 ls21 ws20\">Goodwill<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x147a h39 y6986 ff1 fs17 fc3 sc0 ls21 ws0\">Discount rates<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x147b h39 y6986 ff1 fs17 fc3 sc0 ls21 ws0\">growth rates<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c x1ee y6988 wa77 h1ff\"><div class=\"t m0 x1ed h8 y68e4 ff5 fs5 fc3 sc0 ls5 ws5\">Cash generating unit</div><div class=\"t m0 x147c h93 y6987 ff6 fs1b fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x8f9 h38 y6989 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1206 h38 y6989 ff2 fs17 fc0 sc0 ls21 ws0\">per cent<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x404 h38 y6989 ff2 fs17 fc0 sc0 ls21 ws0\">per cent<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x405 h2c y6989 ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x10c7 h39 y6989 ff1 fs17 fc3 sc0 ls21 ws0\">per cent<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x12b1 h39 y6989 ff1 fs17 fc3 sc0 ls21 ws0\">per cent<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"t m0 x221 h8 y698a ff5 fs5 fc3 sc0 ls5 ws5\">Country CGUs<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y655b w461 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff5 fs5 fc3 sc0 ls5 ws5\">Asia<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x147d y655b wa50 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">1,036<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td class=\"c n x147e y655b w1f4 h1fe\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">1,014<span class=\"_ _3eb\"> </span></div></td><td></td><td></td></tr><tr><td class=\"c n x40b y655c wa78 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Hong Kong<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x147f y655c w8a6 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">358<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1480 y655c wa79 h201\"><div class=\"t m0 x1ed h3d y6548 ff7 fs5 fc3 sc0 ls5 ws5\">13.0<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1481 y655c w45e h201\"><div class=\"t m0 x1ed h3d y6548 ff7 fs5 fc3 sc0 ls5 ws5\">1.0<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1482 y655c w4ee h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">359<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1483 y655c wa7a h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">13.0<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1484 y655c wa7b h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">1.1<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x40b y655d wa7c h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">Taiwan<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1485 y655d wa7d h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">327<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1486 y655d we7 h201\"><div class=\"t m0 x1ed h3d y6548 ff7 fs5 fc3 sc0 ls5 ws5\">12.2<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1487 y655d wa7e h201\"><div class=\"t m0 x1ed h3d y6548 ff7 fs5 fc3 sc0 ls5 ws5\">1.3<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1488 y655d w4bd h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">316<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1489 y655d wa7f h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">12.2<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x148a y655d wa80 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">1.5<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x40b y6573 wa81 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">Singapore<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x148b y6573 w3ed h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">351<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x148c y6573 wa82 h201\"><div class=\"t m0 x1ed h3d y6548 ff7 fs5 fc3 sc0 ls5 ws5\">13.1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x148d y6573 w44f h201\"><div class=\"t m0 x1ed h3d y6548 ff7 fs5 fc3 sc0 ls5 ws5\">2.0<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x148e y6573 w382 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">339<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x148f y6573 wa7a h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">13.0<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1490 y6573 w6e3 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">2.3<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6574 wa83 h201\"><div class=\"t m0 x1ed h3d y6548 ff5 fs5 fc3 sc0 ls5 ws5\">Africa &amp; Middle East<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1491 y6574 wa84 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">80<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td class=\"c n x1492 y6574 we3 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">81<span class=\"_ _3eb\"> </span></div></td><td></td><td></td></tr><tr><td class=\"c n x40b y6560 wa85 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">Pakistan<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1493 y6560 w423 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">31<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1494 y6560 wc9 h201\"><div class=\"t m0 x1ed h3d y6548 ff7 fs5 fc3 sc0 ls5 ws5\">33.9<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1495 y6560 wa86 h201\"><div class=\"t m0 x1ed h3d y6548 ff7 fs5 fc3 sc0 ls5 ws5\">2.5<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1496 y6560 wa2 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">32<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1497 y6560 wa87 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">35.9<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1498 y6560 wa88 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">3.3<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x40b y6561 w2f6 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">Bahrain<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1499 y6561 w7be h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">49<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x149a y6561 wa89 h201\"><div class=\"t m0 x1ed h3d y6548 ff7 fs5 fc3 sc0 ls5 ws5\">16.1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x149b y6561 wa8a h201\"><div class=\"t m0 x1ed h3d y6548 ff7 fs5 fc3 sc0 ls5 ws5\">1.0<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x149c y6561 w475 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">49<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x149d y6561 wa8b h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">12.4<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x149e y6561 wa8c h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">0.8<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6562 wa8d h201\"><div class=\"t m0 x1ed h3d y6548 ff5 fs5 fc3 sc0 ls5 ws5\">Global CGUs<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x149f y6562 wa8e h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">1,303<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td class=\"c n x14a0 y6562 wa75 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">1,292<span class=\"_ _3eb\"> </span></div></td><td></td><td></td></tr><tr><td class=\"c n x40b y6610 wa8f h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Wealth Management<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x14a1 y6610 w9a7 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">83<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x14a2 y6610 w859 h201\"><div class=\"t m0 x1ed h3d y6548 ff7 fs5 fc3 sc0 ls5 ws5\">15.1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x14a3 y6610 wa90 h201\"><div class=\"t m0 x1ed h3d y6548 ff7 fs5 fc3 sc0 ls5 ws5\">1.6<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x14a4 y6610 w3a6 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">83<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x14a5 y6610 wa91 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">15.0<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x14a6 y6610 wac h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">1.8<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x40b y6577 w48e h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Corporate &amp; Investment Banking<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x14a7 y6577 w126 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">1,220<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x14a8 y6577 wa92 h201\"><div class=\"t m0 x1ed h3d y6548 ff7 fs5 fc3 sc0 ls5 ws5\">15.9<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x14a9 y6577 wa93 h201\"><div class=\"t m0 x1ed h3d y6548 ff7 fs5 fc3 sc0 ls5 ws5\">2.1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x14aa y6577 w4d6 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">1,209<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x14ab y6577 wa94 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">15.5<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x14ac y6577 w6e3 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">2.3<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td class=\"c n xa20 y6567 wa95 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">2,419<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td class=\"c n x14ad y6567 wa62 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">2,387<span class=\"_ _3eb\"> </span></div></td><td></td><td></td></tr></table>1 <span class=\"_ _b\"> </span><span class=\"ff4\">Excludes other goodwill balances of $4 million.<span class=\"_ _3eb\"> </span></span>In the current year, there are no CGUs for which reasonably possible changes on key estimates (cashflow, discount rate and<span class=\"_ gs36\"> </span>GDP growth) would cause an impairment.",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfIntangibleAssetsAndGoodwillExplanatory",
    "language": "en",
    "entity": "scheme:U4LOSYZ7YG4W3S5F2G91",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-637": {
   "value": "17. Goodwill and <span class=\"_ _1b\"></span>intangible assets<span class=\"_ _3eb\"> </span>Accounting policy<span class=\"_ _3eb\"> </span>Goodwill<span class=\"_ _3eb\"> </span>Goodwill on acquisitions of subsidiaries is <span class=\"_ _7\"></span>included in intangible assets. Goodwill on acquisitions <span class=\"_ _7\"></span>of associates is included in<span class=\"_ gs36\"> </span>Investments in associates and joint ventures. <span class=\"_ _7\"></span>Goodwill included in intangible assets is assessed <span class=\"_ _7\"></span>at each balance sheet date<span class=\"_ gs36\"> </span>for impairment and carried at cost <span class=\"_ _7\"></span>less any accumulated impairment losses. Gains and <span class=\"_ _7\"></span>losses on the disposal of an entity include the carrying amount of <span class=\"_ _7\"></span>goodwill relating to the entity sold. Detailed <span class=\"_ _7\"></span>calculations are performed based on forecasting expected cash flows of the <span class=\"_ _7\"></span>relevant cash generating units (CGUs) and discounting <span class=\"_ _7\"></span>these at an appropriate discount rate, the<span class=\"_ gs36\"> </span>determination of which requires <span class=\"_ _7\"></span>the exercise of judgement. Goodwill is allocated <span class=\"_ _7\"></span>to CGUs for the purpose of impairment testing. CGUs represent the <span class=\"_ _7\"></span>lowest level within the Group which generate <span class=\"_ _7\"></span>separate cash inflows and at which the goodwill is monitored for internal <span class=\"_ _7\"></span>management purposes. These are equal to or <span class=\"_ _7\"></span>smaller than the Group\u2019s reportable segments (as set out in Note <span class=\"_ _7\"></span>2) as the Group views its reportable <span class=\"_ _7\"></span>segments on a global basis. The <span class=\"_ _7\"></span>major CGUs to which goodwill has been allocated are set <span class=\"_ _7\"></span>out in the CGU table.<span class=\"_ _3eb\"> </span>Other accounting <span class=\"_ _7\"></span>estimates and <span class=\"_ _7\"></span>judgements<span class=\"_ _3eb\"> </span>The carrying amount of goodwill is <span class=\"_ _7\"></span>based on the application of judgements including <span class=\"_ _7\"></span>the basis of goodwill impairment calculation assumptions. Judgement is also applied <span class=\"_ _7\"></span>in determination of CGUs.<span class=\"_ _3eb\"> </span>Estimates include forecasts used for determining <span class=\"_ _7\"></span>cash flows for CGUs, the appropriate long-term <span class=\"_ _7\"></span>growth rates to use and<span class=\"_ gs36\"> </span>discount rates which factor in country <span class=\"_ _7\"></span>risk-free rates and applicable risk premiums. The <span class=\"_ _7\"></span>Group undertakes an annual assessment to evaluate whether the carrying <span class=\"_ _7\"></span>value of goodwill is impaired. The estimation <span class=\"_ _7\"></span>of future cash flows and the level<span class=\"_ gs36\"> </span>to which they are discounted is <span class=\"_ _7\"></span>inherently uncertain and requires significant judgement and <span class=\"_ _7\"></span>is subject to potential change over time.<span class=\"_ _3eb\"> </span>Acquired intangibles<span class=\"_ _3eb\"> </span>At the date of acquisition of <span class=\"_ _7\"></span>a subsidiary or associate, intangible assets which <span class=\"_ _7\"></span>are deemed separable and that arise <span class=\"_ _7\"></span>from contractual or other legal rights are <span class=\"_ _7\"></span>capitalised and included within the net identifiable <span class=\"_ _7\"></span>assets acquired. These intangible assets are initially measured at fair <span class=\"_ _7\"></span>value, which reflects market expectations of the <span class=\"_ _7\"></span>probability that the future economic benefits embodied in the asset will flow to the entity and are amortised on the basis of their expected useful lives (4 to 16<span class=\"_ gs36\"> </span>years). At each balance sheet date, <span class=\"_ _7\"></span>these assets are assessed for indicators of <span class=\"_ _7\"></span>impairment. In the event that an <span class=\"_ _7\"></span>asset\u2019s carrying amount is determined to be <span class=\"_ _7\"></span>greater than its recoverable amount, the asset <span class=\"_ _7\"></span>is written down immediately to the recoverable amount.<span class=\"_ _3eb\"> </span>Computer software<span class=\"_ _3eb\"> </span>Acquired computer software licences are capitalised <span class=\"_ _7\"></span>on the basis of the costs incurred <span class=\"_ _7\"></span>to acquire and bring to use <span class=\"_ _7\"></span>the specific<span class=\"_ gs36\"> </span>software. Internally generated software represents substantially all <span class=\"_ _7\"></span>of the total software capitalised. Direct costs <span class=\"_ _7\"></span>of the development of separately identifiable internally generated software <span class=\"_ _7\"></span>are capitalised where it is probable that <span class=\"_ _7\"></span>future economic benefits attributable to the software will flow <span class=\"_ _7\"></span>from its use. These costs include staff <span class=\"_ _7\"></span>remuneration costs such as salaries, statutory payments and share-based payments, materials, service providers and contractors provided their time is directly attributable to the software build. Costs incurred <span class=\"_ _7\"></span>in the ongoing maintenance of software are <span class=\"_ _7\"></span>expensed immediately when incurred. Internally generated software is amortised over <span class=\"_ _7\"></span>each asset\u2019s useful life to a maximum <span class=\"_ _7\"></span>of 10 years. On an annual <span class=\"_ _7\"></span>basis residual values and useful lives of software <span class=\"_ _7\"></span>assets, including software under development, are reviewed, <span class=\"_ _7\"></span>including assessing for indicators of impairment. Indicators of impairment <span class=\"_ _7\"></span>include loss of business relevance, obsolescence, exit <span class=\"_ _7\"></span>of the business to which the software relates, technological changes, change in use of the asset, reduction in useful life, plans to reduce usage or scope.<span class=\"_ _3eb\"> </span>For capitalised software that is internally <span class=\"_ _7\"></span>generated, judgement is required to determine which <span class=\"_ _7\"></span>costs relate to research (expensed) and which costs relate to <span class=\"_ _7\"></span>development (capitalised). Further judgement is required to <span class=\"_ _7\"></span>determine the technical feasibility of completing the software such <span class=\"_ _7\"></span>that it will be available for use. <span class=\"_ _7\"></span>Estimates are used to determine how <span class=\"_ _7\"></span>the software will generate probable future economic benefits: <span class=\"_ _7\"></span>these estimates include cost savings, income increases, <span class=\"_ _7\"></span>balance sheet improvements, improved functionality or improved asset <span class=\"_ _7\"></span>safeguarding.<span class=\"_ _3eb\"> </span>Software as a Service (SaaS) and <span class=\"_ _7\"></span>similar cloud service models is a contractual <span class=\"_ _7\"></span>arrangement that conveys the right to <span class=\"_ _7\"></span>receive access to the supplier\u2019s software application <span class=\"_ _7\"></span>over the contract term. As such, the <span class=\"_ _7\"></span>Group does not have control and <span class=\"_ _7\"></span>as a result recognises an operating expense for these <span class=\"_ _7\"></span>costs over the contract term.<span class=\"_ _3eb\"> </span><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs62b\">Certain costs, including customisation costs related <span class=\"_ _7\"></span>to implementation of the SaaS may meet <span class=\"_ _7\"></span>the definition of an intangible </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs62c\">asset in their own right if <span class=\"_ _7\"></span>it is separately identifiable and control is <span class=\"_ _7\"></span>established. These costs are capitalised if <span class=\"_ _7\"></span>it is expected to </div><div class=\"t m0 h9 ff1 fs2 fc3 sc0 ls2 ws0 gs62d\">provide the Group with future economic benefits flowing from the underlying resource and the Group can restrict others from </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs62e\">accessing those benefits.<span class=\"_ _3eb\"> </span></div><div class=\"gs326\"><table class=\"s wa4d h272\" id=\"_9404a6a9-8635-4ebc-95a3-d68707e9dd98\"><tr><td></td><td></td><td class=\"c n x86a y697a w306 h215\"><div class=\"t m0 x1ed h38 y6563 ff5 fs17 fc0 sc0 ls21 ws20\">2025<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td></td><td class=\"c n x86b y697a w46b h205\"><div class=\"t m0 x1ed h38 y6563 ff1 fs17 fc3 sc0 ls21 ws20\">2024<span class=\"_ _3eb\"> </span></div></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"t m0 x66f h38 y697b ff5 fs17 fc0 sc0 ls21 ws20\">Acquired </td><td class=\"t m0 x12e4 h38 y697b ff5 fs17 fc0 sc0 ls21 ws20\">Computer </td><td></td><td></td><td class=\"t m0 x2db h39 y697b ff1 fs17 fc3 sc0 ls21 ws20\">Acquired </td><td class=\"t m0 x230 h39 y697b ff1 fs17 fc3 sc0 ls21 ws20\">Computer </td><td></td></tr><tr><td></td><td class=\"t m0 x1278 h38 y697c ff5 fs17 fc0 sc0 ls21 ws20\">Goodwill<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x4b2 h38 y697c ff5 fs17 fc0 sc0 ls21 ws20\">intangibles<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xc2c h38 y697c ff5 fs17 fc0 sc0 ls21 ws20\">software<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x86e h38 y697c ff5 fs17 fc0 sc0 ls21 ws20\">Total<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x4ad h39 y697c ff1 fs17 fc3 sc0 ls21 ws20\">Goodwill<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x4ae h2c y697c ff4 fs17 fc3 sc0 ls21 ws20\">intangibles<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x4c1 h39 y697c ff1 fs17 fc3 sc0 ls21 ws20\">software<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x6cb h39 y697c ff1 fs17 fc3 sc0 ls21 ws20\">Total<span class=\"_ _3eb\"> </span></td></tr><tr><td></td><td class=\"t m0 x1407 h38 y697d ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x4bc h38 y697d ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x6bc h38 y697d ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x4be h38 y697d ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x4bf h2c y697d ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x4c0 h2c y697d ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x6bb h2c y697d ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x234 h2c y697d ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"t m0 x235 h8 y697e ff5 fs5 fc3 sc0 ls5 ws5\">Cost<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y6557 wa4e h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">At 1 January<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1408 y6557 w2cc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">2,387<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1409 y6557 wa4f h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">252<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8e0 y6557 wa50 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">6,301<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x140a y6557 wa51 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">8,940<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x140b y6557 w3af h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">2,429<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x140c y6557 w344 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">278<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x140d y6557 w9a2 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">6,168<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x140e y6557 w9dd h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">8,875<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6558 wa52 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Exchange translation differences<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x140f y6558 w1e6 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">32<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1410 y6558 w4b0 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">6<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1411 y6558 wa4f h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">225<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1412 y6558 w4c7 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">263<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1413 y6558 w270 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(42)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1414 y6558 wa53 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(18)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1415 y6558 w2d3 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(109)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1416 y6558 w9a2 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(169)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y658b wa54 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">Additions<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1417 y658b w47b h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">4<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1418 y658b w2f1 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1419 y658b w60 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">1,032<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x141a y658b w1bd h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">1,037<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x516 y658b w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x141b y658b w41a h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x141c y658b wa55 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">952<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x94f y658b w4ee h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">953<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6570 wa56 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">Disposals<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x141d y6570 w2bc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x141e y6570 w2bc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x141f y6570 w312 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(13)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1420 y6570 w95 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(13)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1421 y6570 w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1422 y6570 w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1423 y6570 w4db h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(5)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1424 y6570 w4db h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(5)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y655b wa57 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">Impairment<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1425 y655b w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1426 y655b w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c x1428 y655b wa58 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(121)</div><div class=\"t m0 x1427 h93 y697f ff6 fs1b fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1429 y655b wa59 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(121)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x142a y655b w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x142b y655b w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c x142d y655b wa5a h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(663)</div><div class=\"t m0 x142c h3c y697f ff1 fs1b fc3 sc0 ls2a ws29\">1,2</div></td><td class=\"t m0 x142e h1a y6980 ff4 fs5 fc3 sc0 ls5 ws5\">(663)<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c n x1ee y655c wa5b h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Amounts written off<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x142f y655c w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1430 y655c w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1431 y655c wa5c h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(21)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1432 y655c w266 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(21)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1433 y655c w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1434 y655c w4c8 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(9)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1435 y655c w277 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(42)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1436 y655c wa5d h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(51)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y655d wa5e h201\"><div class=\"t m0 x1ed h3d y6548 ff5 fs5 fc3 sc0 ls5 ws5\">At 31 December<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1437 y655d wa5f h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">2,423<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1438 y655d wa60 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">259<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1439 y655d w78f h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">7,403<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x143a y655d wa61 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">10,085<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x143b y655d wa62 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">2,387<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x143c y655d w380 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">252<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x143d y655d wa63 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">6,301<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x143e y655d w2a4 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">8,940<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x235 h8 y6981 ff5 fs5 fc3 sc0 ls5 ws5\">Provision for amortisation<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y6574 wa4e h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">At 1 January<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x143f y6574 w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1440 y6574 w377 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">249<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1441 y6574 w392 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">2,900<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1442 y6574 w1bd h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">3,149<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1443 y6574 w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1444 y6574 wa64 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">265<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1445 y6574 wa65 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">2,396<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1446 y6574 w8e7 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">2,661<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6560 wa52 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Exchange translation differences<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1447 y6560 w2bc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1448 y6560 w47b h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">4<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1449 y6560 w31f h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">115<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x144a y6560 wa66 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">119<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1443 y6560 w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x144b y6560 w8fa h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(20)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x144c y6560 w9aa h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(48)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x144d y6560 wa67 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(68)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6575 wa68 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">Amortisation<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x144e y6575 w2bc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x144f y6575 w2f0 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1450 y6575 wa69 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">687<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1451 y6575 wa6a h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">689<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1452 y6575 w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1453 y6575 w3c h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls0 ws0\">4<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1454 y6575 w3f2 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">695<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1455 y6575 w398 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">699<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y658d wa6b h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Impairment charge<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1456 y658d w2bc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1457 y658d w2bc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c x1459 y658d wa6c h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(76)</div><div class=\"t m0 x1458 h93 y6803 ff6 fs1b fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x145a y658d w8e3 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(76)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x145b y658d w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x145c y658d w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c x145e y658d wa6d h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(102)</div><div class=\"t m0 x145d h3c y6803 ff1 fs1b fc3 sc0 ls2a ws29\">1,2</div></td><td class=\"t m0 x96f h1a y6982 ff4 fs5 fc3 sc0 ls5 ws5\">(102)<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c n x1ee y658e wa56 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">Disposals<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x141d y658e w2bc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x141e y658e w2bc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x145f y658e w4a4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(6)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1460 y658e w4a4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(6)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1461 y658e w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1462 y658e w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1463 y658e w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1464 y658e w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6577 wa5b h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Amounts written off<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x142f y6577 w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1430 y6577 w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1431 y6577 wa5c h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(21)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1432 y6577 w266 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(21)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1433 y6577 w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1465 y6577 w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1466 y6577 w4c7 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(41)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1467 y6577 wa6e h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(41)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6566 wa5e h201\"><div class=\"t m0 x1ed h3d y6548 ff5 fs5 fc3 sc0 ls5 ws5\">At 31 December<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1468 y6566 w2bc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1469 y6566 wa6f h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">255<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x146a y6566 wa70 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">3,599<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x146b y6566 w1b4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">3,854<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x146c y6566 w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x146d y6566 w3db h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">249<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x146e y6566 w31a h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">2,900<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x146f y6566 w29a h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">3,149<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6567 wa71 h203\"><div class=\"t m0 x1ed h3d y655f ff5 fs5 fc3 sc0 ls5 ws5\">Net book value<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1470 y6567 wa72 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">2,423<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1471 y6567 w263 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">4<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1472 y6567 wa73 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">3,804<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1473 y6567 we0 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">6,231<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1474 y6567 w31d h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">2,387<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf29 y6567 w32 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls0 ws0\">3<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1475 y6567 wa74 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">3,401<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1476 y6567 wa75 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">5,791<span class=\"_ _3eb\"> </span></div></td></tr></table></div><div class=\"t m0 hb ff1 fs7 fc3 sc0 ls7 ws7 gs62f\">1 <span class=\"_ _b\"> </span><span class=\"ff4\">The Group has performed its annual review of computer software intangibles to determine <span class=\"_ _7\"></span>instances when carrying value is greater than its <span class=\"_ _7\"></span>recoverable amount </span></div><div class=\"t m0 hb ff4 fs7 fc3 sc0 ls7 ws7 gs630\">and impaired $45 million (31 December 2024: $78 <span class=\"_ _7\"></span>million).<span class=\"_ _3eb\"> </span></div><div class=\"t m0 hb ff1 fs7 fc3 sc0 ls7 ws7 gs631\">2 <span class=\"_ _f\"> </span><span class=\"ff4\">During 2024, the Group performed a review of its computer software intangibles <span class=\"_ _7\"></span>which were capitalised as at 31 December 2023, <span class=\"_ _7\"></span>and impaired $483 million </span></div><div class=\"t m0 hb ff4 fs7 fc3 sc0 ls7 ws7 gs632\">of<span class=\"_ gs1a2\"> </span>the<span class=\"_ gs1a2\"> </span>2024 net book value due to limitations in <span class=\"_ _7\"></span>the available evidence to support the continued capitalisation <span class=\"_ _7\"></span>of the assets.<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs633\">At 31 December 2025, accumulated goodwill <span class=\"_ _7\"></span>impairment losses incurred from 1 January 2005 <span class=\"_ _7\"></span>amounted to $3,331 million </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs634\">(31<span class=\"_ gs36\"> </span>December 2024: $3,331 million), of which <span class=\"_ _7\"></span>$nil was recognised in 2025 (31 December <span class=\"_ _7\"></span>2024: $nil).<span class=\"_ _3eb\"> </span></div><div class=\"t m0 hc ff6 fs8 fc2 sc0 ls8 ws0 gs635\">CGU structure<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs636\">When considering the generation of independent <span class=\"_ _7\"></span>cash inflows and appropriate level of management, <span class=\"_ _7\"></span>Corporate &amp; Investment </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs637\">Banking and Wealth Management are managed <span class=\"_ _7\"></span>on a global basis, while Retail Banking <span class=\"_ _7\"></span>and others including Treasury Market </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs638\">activities are managed on a country <span class=\"_ _7\"></span>basis.<span class=\"_ _3eb\"> </span></div><div class=\"t m0 hc ff7 fs8 fc2 sc0 ls8 wsb gs639\">Outcome of impairment <span class=\"_ _7\"></span>assessment<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs63a\">An annual assessment is made as <span class=\"_ _7\"></span>to whether the current carrying value of <span class=\"_ _7\"></span>goodwill is impaired. For the purposes <span class=\"_ _7\"></span>of impairment </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs63b\">testing, goodwill is allocated at the <span class=\"_ _7\"></span>date of acquisition to a CGU. Goodwill <span class=\"_ _7\"></span>is considered to be impaired if <span class=\"_ _7\"></span>the carrying amount </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs63c\">of the relevant CGU exceeds its <span class=\"_ _7\"></span>recoverable amount. Indicators of impairment include changes <span class=\"_ _7\"></span>in the economic performance </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs63d\">and outlook of the region including <span class=\"_ _7\"></span>geopolitical changes, changes in market value of <span class=\"_ _7\"></span>regional investments, large credit defaults </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs63e\">and strategic decisions to exit certain <span class=\"_ _7\"></span>regions. </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs63f\">The recoverable amounts for all the <span class=\"_ _7\"></span>CGUs were measured based on value in <span class=\"_ _7\"></span>use (VIU). The calculation of VIU <span class=\"_ _7\"></span>for each CGU </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs640\">is<span class=\"_ gs36\"> </span>calculated using five-year cashflow projections and <span class=\"_ _7\"></span>an estimated terminal value based on a <span class=\"_ _7\"></span>perpetuity value after year five. </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs641\">The cashflow projections are based on <span class=\"_ _7\"></span>forecasts approved by management up to 2030. </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs642\">The perpetuity terminal value amount is <span class=\"_ _7\"></span>calculated using year five cashflows using long-term <span class=\"_ _7\"></span>GDP growth rates. All cashflows </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs643\">are discounted using discount rates which <span class=\"_ _7\"></span>reflect market rates appropriate to the CGU.<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs644\">The goodwill allocated to material CGUs <span class=\"_ _7\"></span>and key assumptions used in determining the <span class=\"_ _7\"></span>recoverable amounts are set out below </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs645\">and are solely estimates for the <span class=\"_ _7\"></span>purposes of assessing impairment of acquired goodwill.<span class=\"_ _3eb\"> </span></div><div class=\"gs3ff\"><table class=\"s wa76 h273\" id=\"_05249617-d8b5-4148-965b-783391d541c9\"><tr><td></td><td></td><td class=\"c n x113c y6983 w306 h215\"><div class=\"t m0 x1ed h38 y6563 ff5 fs17 fc0 sc0 ls21 ws20\">2025<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td class=\"c n x113d y6983 w46b h205\"><div class=\"t m0 x1ed h38 y6563 ff1 fs17 fc3 sc0 ls21 ws20\">2024<span class=\"_ _3eb\"> </span></div></td><td></td></tr><tr><td></td><td></td><td></td><td class=\"t m0 x1477 h38 y6984 ff5 fs17 fc0 sc0 ls21 ws20\">Long-term </td><td></td><td></td><td class=\"t m0 x1478 h39 y6984 ff1 fs17 fc3 sc0 ls21 ws20\">Long-term </td></tr><tr><td></td><td></td><td class=\"t m0 x8bc h38 y6985 ff5 fs17 fc0 sc0 ls21 ws20\">Pre Tax </td><td class=\"t m0 x1479 h38 y6985 ff5 fs17 fc0 sc0 ls21 ws20\">forecast GDP </td><td></td><td class=\"t m0 x8fa h39 y6985 ff1 fs17 fc3 sc0 ls21 ws0\">Pre Tax </td><td class=\"t m0 x11c3 h39 y6985 ff1 fs17 fc3 sc0 ls21 ws0\">forecast GDP </td></tr><tr><td></td><td class=\"t m0 x52f h38 y6986 ff5 fs17 fc0 sc0 ls21 ws20\">Goodwill<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xd2b h38 y6986 ff2 fs17 fc0 sc0 ls21 ws0\">Discount rates<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x9cb h38 y6986 ff5 fs17 fc0 sc0 ls21 ws20\">growth rates<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xb9a h39 y6986 ff1 fs17 fc3 sc0 ls21 ws20\">Goodwill<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x147a h39 y6986 ff1 fs17 fc3 sc0 ls21 ws0\">Discount rates<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x147b h39 y6986 ff1 fs17 fc3 sc0 ls21 ws0\">growth rates<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c x1ee y6988 wa77 h1ff\"><div class=\"t m0 x1ed h8 y68e4 ff5 fs5 fc3 sc0 ls5 ws5\">Cash generating unit</div><div class=\"t m0 x147c h93 y6987 ff6 fs1b fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x8f9 h38 y6989 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1206 h38 y6989 ff2 fs17 fc0 sc0 ls21 ws0\">per cent<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x404 h38 y6989 ff2 fs17 fc0 sc0 ls21 ws0\">per cent<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x405 h2c y6989 ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x10c7 h39 y6989 ff1 fs17 fc3 sc0 ls21 ws0\">per cent<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x12b1 h39 y6989 ff1 fs17 fc3 sc0 ls21 ws0\">per cent<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"t m0 x221 h8 y698a ff5 fs5 fc3 sc0 ls5 ws5\">Country CGUs<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y655b w461 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff5 fs5 fc3 sc0 ls5 ws5\">Asia<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x147d y655b wa50 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">1,036<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td class=\"c n x147e y655b w1f4 h1fe\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">1,014<span class=\"_ _3eb\"> </span></div></td><td></td><td></td></tr><tr><td class=\"c n x40b y655c wa78 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Hong Kong<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x147f y655c w8a6 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">358<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1480 y655c wa79 h201\"><div class=\"t m0 x1ed h3d y6548 ff7 fs5 fc3 sc0 ls5 ws5\">13.0<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1481 y655c w45e h201\"><div class=\"t m0 x1ed h3d y6548 ff7 fs5 fc3 sc0 ls5 ws5\">1.0<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1482 y655c w4ee h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">359<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1483 y655c wa7a h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">13.0<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1484 y655c wa7b h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">1.1<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x40b y655d wa7c h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">Taiwan<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1485 y655d wa7d h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">327<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1486 y655d we7 h201\"><div class=\"t m0 x1ed h3d y6548 ff7 fs5 fc3 sc0 ls5 ws5\">12.2<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1487 y655d wa7e h201\"><div class=\"t m0 x1ed h3d y6548 ff7 fs5 fc3 sc0 ls5 ws5\">1.3<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1488 y655d w4bd h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">316<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1489 y655d wa7f h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">12.2<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x148a y655d wa80 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">1.5<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x40b y6573 wa81 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">Singapore<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x148b y6573 w3ed h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">351<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x148c y6573 wa82 h201\"><div class=\"t m0 x1ed h3d y6548 ff7 fs5 fc3 sc0 ls5 ws5\">13.1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x148d y6573 w44f h201\"><div class=\"t m0 x1ed h3d y6548 ff7 fs5 fc3 sc0 ls5 ws5\">2.0<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x148e y6573 w382 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">339<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x148f y6573 wa7a h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">13.0<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1490 y6573 w6e3 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">2.3<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6574 wa83 h201\"><div class=\"t m0 x1ed h3d y6548 ff5 fs5 fc3 sc0 ls5 ws5\">Africa &amp; Middle East<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1491 y6574 wa84 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">80<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td class=\"c n x1492 y6574 we3 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">81<span class=\"_ _3eb\"> </span></div></td><td></td><td></td></tr><tr><td class=\"c n x40b y6560 wa85 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">Pakistan<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1493 y6560 w423 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">31<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1494 y6560 wc9 h201\"><div class=\"t m0 x1ed h3d y6548 ff7 fs5 fc3 sc0 ls5 ws5\">33.9<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1495 y6560 wa86 h201\"><div class=\"t m0 x1ed h3d y6548 ff7 fs5 fc3 sc0 ls5 ws5\">2.5<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1496 y6560 wa2 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">32<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1497 y6560 wa87 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">35.9<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1498 y6560 wa88 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">3.3<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x40b y6561 w2f6 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">Bahrain<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1499 y6561 w7be h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">49<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x149a y6561 wa89 h201\"><div class=\"t m0 x1ed h3d y6548 ff7 fs5 fc3 sc0 ls5 ws5\">16.1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x149b y6561 wa8a h201\"><div class=\"t m0 x1ed h3d y6548 ff7 fs5 fc3 sc0 ls5 ws5\">1.0<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x149c y6561 w475 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">49<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x149d y6561 wa8b h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">12.4<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x149e y6561 wa8c h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">0.8<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6562 wa8d h201\"><div class=\"t m0 x1ed h3d y6548 ff5 fs5 fc3 sc0 ls5 ws5\">Global CGUs<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x149f y6562 wa8e h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">1,303<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td class=\"c n x14a0 y6562 wa75 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">1,292<span class=\"_ _3eb\"> </span></div></td><td></td><td></td></tr><tr><td class=\"c n x40b y6610 wa8f h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Wealth Management<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x14a1 y6610 w9a7 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">83<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x14a2 y6610 w859 h201\"><div class=\"t m0 x1ed h3d y6548 ff7 fs5 fc3 sc0 ls5 ws5\">15.1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x14a3 y6610 wa90 h201\"><div class=\"t m0 x1ed h3d y6548 ff7 fs5 fc3 sc0 ls5 ws5\">1.6<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x14a4 y6610 w3a6 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">83<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x14a5 y6610 wa91 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">15.0<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x14a6 y6610 wac h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">1.8<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x40b y6577 w48e h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Corporate &amp; Investment Banking<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x14a7 y6577 w126 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">1,220<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x14a8 y6577 wa92 h201\"><div class=\"t m0 x1ed h3d y6548 ff7 fs5 fc3 sc0 ls5 ws5\">15.9<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x14a9 y6577 wa93 h201\"><div class=\"t m0 x1ed h3d y6548 ff7 fs5 fc3 sc0 ls5 ws5\">2.1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x14aa y6577 w4d6 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">1,209<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x14ab y6577 wa94 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">15.5<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x14ac y6577 w6e3 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">2.3<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td class=\"c n xa20 y6567 wa95 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">2,419<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td class=\"c n x14ad y6567 wa62 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">2,387<span class=\"_ _3eb\"> </span></div></td><td></td><td></td></tr></table></div><div class=\"t m0 hb ff1 fs7 fc3 sc0 ls7 ws7 gs647\">1 <span class=\"_ _b\"> </span><span class=\"ff4\">Excludes other goodwill balances of $4 million.<span class=\"_ _3eb\"> </span></span></div><div class=\"t m0 h9 ff1 fs2 fc3 sc0 ls2 ws0 gs648\">In the current year, there are no CGUs for which reasonably possible changes on key estimates (cashflow, discount rate </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs649\">and<span class=\"_ gs36\"> </span>GDP growth) would cause an impairment.</div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfGoodwillExplanatory",
    "language": "en",
    "entity": "scheme:U4LOSYZ7YG4W3S5F2G91",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-713": {
   "value": "Accounting policy<span class=\"_ _3eb\"> </span>Goodwill<span class=\"_ _3eb\"> </span>Goodwill on acquisitions of subsidiaries is <span class=\"_ _7\"></span>included in intangible assets. Goodwill on acquisitions <span class=\"_ _7\"></span>of associates is included in<span class=\"_ gs36\"> </span>Investments in associates and joint ventures. <span class=\"_ _7\"></span>Goodwill included in intangible assets is assessed <span class=\"_ _7\"></span>at each balance sheet date<span class=\"_ gs36\"> </span>for impairment and carried at cost <span class=\"_ _7\"></span>less any accumulated impairment losses. Gains and <span class=\"_ _7\"></span>losses on the disposal of an entity include the carrying amount of <span class=\"_ _7\"></span>goodwill relating to the entity sold. Detailed <span class=\"_ _7\"></span>calculations are performed based on forecasting expected cash flows of the <span class=\"_ _7\"></span>relevant cash generating units (CGUs) and discounting <span class=\"_ _7\"></span>these at an appropriate discount rate, the<span class=\"_ gs36\"> </span>determination of which requires <span class=\"_ _7\"></span>the exercise of judgement. Goodwill is allocated <span class=\"_ _7\"></span>to CGUs for the purpose of impairment testing. CGUs represent the <span class=\"_ _7\"></span>lowest level within the Group which generate <span class=\"_ _7\"></span>separate cash inflows and at which the goodwill is monitored for internal <span class=\"_ _7\"></span>management purposes. These are equal to or <span class=\"_ _7\"></span>smaller than the Group\u2019s reportable segments (as set out in Note <span class=\"_ _7\"></span>2) as the Group views its reportable <span class=\"_ _7\"></span>segments on a global basis. The <span class=\"_ _7\"></span>major CGUs to which goodwill has been allocated are set <span class=\"_ _7\"></span>out in the CGU table.<span class=\"_ _3eb\"> </span>Other accounting <span class=\"_ _7\"></span>estimates and <span class=\"_ _7\"></span>judgements<span class=\"_ _3eb\"> </span>The carrying amount of goodwill is <span class=\"_ _7\"></span>based on the application of judgements including <span class=\"_ _7\"></span>the basis of goodwill impairment calculation assumptions. Judgement is also applied <span class=\"_ _7\"></span>in determination of CGUs.<span class=\"_ _3eb\"> </span>Estimates include forecasts used for determining <span class=\"_ _7\"></span>cash flows for CGUs, the appropriate long-term <span class=\"_ _7\"></span>growth rates to use and<span class=\"_ gs36\"> </span>discount rates which factor in country <span class=\"_ _7\"></span>risk-free rates and applicable risk premiums. The <span class=\"_ _7\"></span>Group undertakes an annual assessment to evaluate whether the carrying <span class=\"_ _7\"></span>value of goodwill is impaired. The estimation <span class=\"_ _7\"></span>of future cash flows and the level<span class=\"_ gs36\"> </span>to which they are discounted is <span class=\"_ _7\"></span>inherently uncertain and requires significant judgement and <span class=\"_ _7\"></span>is subject to potential change over time.<span class=\"_ _3eb\"> </span>Acquired intangibles<span class=\"_ _3eb\"> </span>At the date of acquisition of <span class=\"_ _7\"></span>a subsidiary or associate, intangible assets which <span class=\"_ _7\"></span>are deemed separable and that arise <span class=\"_ _7\"></span>from contractual or other legal rights are <span class=\"_ _7\"></span>capitalised and included within the net identifiable <span class=\"_ _7\"></span>assets acquired. These intangible assets are initially measured at fair <span class=\"_ _7\"></span>value, which reflects market expectations of the <span class=\"_ _7\"></span>probability that the future economic benefits embodied in the asset will flow to the entity and are amortised on the basis of their expected useful lives (4 to 16<span class=\"_ gs36\"> </span>years). At each balance sheet date, <span class=\"_ _7\"></span>these assets are assessed for indicators of <span class=\"_ _7\"></span>impairment. In the event that an <span class=\"_ _7\"></span>asset\u2019s carrying amount is determined to be <span class=\"_ _7\"></span>greater than its recoverable amount, the asset <span class=\"_ _7\"></span>is written down immediately to the recoverable amount.<span class=\"_ _3eb\"> </span>Computer software<span class=\"_ _3eb\"> </span>Acquired computer software licences are capitalised <span class=\"_ _7\"></span>on the basis of the costs incurred <span class=\"_ _7\"></span>to acquire and bring to use <span class=\"_ _7\"></span>the specific<span class=\"_ gs36\"> </span>software. Internally generated software represents substantially all <span class=\"_ _7\"></span>of the total software capitalised. Direct costs <span class=\"_ _7\"></span>of the development of separately identifiable internally generated software <span class=\"_ _7\"></span>are capitalised where it is probable that <span class=\"_ _7\"></span>future economic benefits attributable to the software will flow <span class=\"_ _7\"></span>from its use. These costs include staff <span class=\"_ _7\"></span>remuneration costs such as salaries, statutory payments and share-based payments, materials, service providers and contractors provided their time is directly attributable to the software build. Costs incurred <span class=\"_ _7\"></span>in the ongoing maintenance of software are <span class=\"_ _7\"></span>expensed immediately when incurred. Internally generated software is amortised over <span class=\"_ _7\"></span>each asset\u2019s useful life to a maximum <span class=\"_ _7\"></span>of 10 years. On an annual <span class=\"_ _7\"></span>basis residual values and useful lives of software <span class=\"_ _7\"></span>assets, including software under development, are reviewed, <span class=\"_ _7\"></span>including assessing for indicators of impairment. Indicators of impairment <span class=\"_ _7\"></span>include loss of business relevance, obsolescence, exit <span class=\"_ _7\"></span>of the business to which the software relates, technological changes, change in use of the asset, reduction in useful life, plans to reduce usage or scope.<span class=\"_ _3eb\"> </span>For capitalised software that is internally <span class=\"_ _7\"></span>generated, judgement is required to determine which <span class=\"_ _7\"></span>costs relate to research (expensed) and which costs relate to <span class=\"_ _7\"></span>development (capitalised). Further judgement is required to <span class=\"_ _7\"></span>determine the technical feasibility of completing the software such <span class=\"_ _7\"></span>that it will be available for use. <span class=\"_ _7\"></span>Estimates are used to determine how <span class=\"_ _7\"></span>the software will generate probable future economic benefits: <span class=\"_ _7\"></span>these estimates include cost savings, income increases, <span class=\"_ _7\"></span>balance sheet improvements, improved functionality or improved asset <span class=\"_ _7\"></span>safeguarding.<span class=\"_ _3eb\"> </span>Software as a Service (SaaS) and <span class=\"_ _7\"></span>similar cloud service models is a contractual <span class=\"_ _7\"></span>arrangement that conveys the right to <span class=\"_ _7\"></span>receive access to the supplier\u2019s software application <span class=\"_ _7\"></span>over the contract term. As such, the <span class=\"_ _7\"></span>Group does not have control and <span class=\"_ _7\"></span>as a result recognises an operating expense for these <span class=\"_ _7\"></span>costs over the contract term.<span class=\"_ _3eb\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForIntangibleAssetsAndGoodwillExplanatory",
    "language": "en",
    "entity": "scheme:U4LOSYZ7YG4W3S5F2G91",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-739": {
   "value": "Goodwill<span class=\"_ _3eb\"> </span>Goodwill on acquisitions of subsidiaries is <span class=\"_ _7\"></span>included in intangible assets. Goodwill on acquisitions <span class=\"_ _7\"></span>of associates is included in<span class=\"_ gs36\"> </span>Investments in associates and joint ventures. <span class=\"_ _7\"></span>Goodwill included in intangible assets is assessed <span class=\"_ _7\"></span>at each balance sheet date<span class=\"_ gs36\"> </span>for impairment and carried at cost <span class=\"_ _7\"></span>less any accumulated impairment losses. Gains and <span class=\"_ _7\"></span>losses on the disposal of an entity include the carrying amount of <span class=\"_ _7\"></span>goodwill relating to the entity sold. Detailed <span class=\"_ _7\"></span>calculations are performed based on forecasting expected cash flows of the <span class=\"_ _7\"></span>relevant cash generating units (CGUs) and discounting <span class=\"_ _7\"></span>these at an appropriate discount rate, the<span class=\"_ gs36\"> </span>determination of which requires <span class=\"_ _7\"></span>the exercise of judgement. Goodwill is allocated <span class=\"_ _7\"></span>to CGUs for the purpose of impairment testing. CGUs represent the <span class=\"_ _7\"></span>lowest level within the Group which generate <span class=\"_ _7\"></span>separate cash inflows and at which the goodwill is monitored for internal <span class=\"_ _7\"></span>management purposes. These are equal to or <span class=\"_ _7\"></span>smaller than the Group\u2019s reportable segments (as set out in Note <span class=\"_ _7\"></span>2) as the Group views its reportable <span class=\"_ _7\"></span>segments on a global basis. The <span class=\"_ _7\"></span>major CGUs to which goodwill has been allocated are set <span class=\"_ _7\"></span>out in the CGU table.<span class=\"_ _3eb\"> </span>Other accounting <span class=\"_ _7\"></span>estimates and <span class=\"_ _7\"></span>judgements<span class=\"_ _3eb\"> </span>The carrying amount of goodwill is <span class=\"_ _7\"></span>based on the application of judgements including <span class=\"_ _7\"></span>the basis of goodwill impairment calculation assumptions. Judgement is also applied <span class=\"_ _7\"></span>in determination of CGUs.<span class=\"_ _3eb\"> </span>Estimates include forecasts used for determining <span class=\"_ _7\"></span>cash flows for CGUs, the appropriate long-term <span class=\"_ _7\"></span>growth rates to use and<span class=\"_ gs36\"> </span>discount rates which factor in country <span class=\"_ _7\"></span>risk-free rates and applicable risk premiums. The <span class=\"_ _7\"></span>Group undertakes an annual assessment to evaluate whether the carrying <span class=\"_ _7\"></span>value of goodwill is impaired. The estimation <span class=\"_ _7\"></span>of future cash flows and the level<span class=\"_ gs36\"> </span>to which they are discounted is <span class=\"_ _7\"></span>inherently uncertain and requires significant judgement and <span class=\"_ _7\"></span>is subject to potential change over time.<span class=\"_ _3eb\"> </span>Acquired intangibles<span class=\"_ _3eb\"> </span>At the date of acquisition of <span class=\"_ _7\"></span>a subsidiary or associate, intangible assets which <span class=\"_ _7\"></span>are deemed separable and that arise <span class=\"_ _7\"></span>from contractual or other legal rights are <span class=\"_ _7\"></span>capitalised and included within the net identifiable <span class=\"_ _7\"></span>assets acquired. These intangible assets are initially measured at fair <span class=\"_ _7\"></span>value, which reflects market expectations of the <span class=\"_ _7\"></span>probability that the future economic benefits embodied in the asset will flow to the entity and are amortised on the basis of their expected useful lives (4 to 16<span class=\"_ gs36\"> </span>years). At each balance sheet date, <span class=\"_ _7\"></span>these assets are assessed for indicators of <span class=\"_ _7\"></span>impairment. In the event that an <span class=\"_ _7\"></span>asset\u2019s carrying amount is determined to be <span class=\"_ _7\"></span>greater than its recoverable amount, the asset <span class=\"_ _7\"></span>is written down immediately to the recoverable amount.<span class=\"_ _3eb\"> </span>Computer software<span class=\"_ _3eb\"> </span>Acquired computer software licences are capitalised <span class=\"_ _7\"></span>on the basis of the costs incurred <span class=\"_ _7\"></span>to acquire and bring to use <span class=\"_ _7\"></span>the specific<span class=\"_ gs36\"> </span>software. Internally generated software represents substantially all <span class=\"_ _7\"></span>of the total software capitalised. Direct costs <span class=\"_ _7\"></span>of the development of separately identifiable internally generated software <span class=\"_ _7\"></span>are capitalised where it is probable that <span class=\"_ _7\"></span>future economic benefits attributable to the software will flow <span class=\"_ _7\"></span>from its use. These costs include staff <span class=\"_ _7\"></span>remuneration costs such as salaries, statutory payments and share-based payments, materials, service providers and contractors provided their time is directly attributable to the software build. Costs incurred <span class=\"_ _7\"></span>in the ongoing maintenance of software are <span class=\"_ _7\"></span>expensed immediately when incurred. Internally generated software is amortised over <span class=\"_ _7\"></span>each asset\u2019s useful life to a maximum <span class=\"_ _7\"></span>of 10 years. On an annual <span class=\"_ _7\"></span>basis residual values and useful lives of software <span class=\"_ _7\"></span>assets, including software under development, are reviewed, <span class=\"_ _7\"></span>including assessing for indicators of impairment. Indicators of impairment <span class=\"_ _7\"></span>include loss of business relevance, obsolescence, exit <span class=\"_ _7\"></span>of the business to which the software relates, technological changes, change in use of the asset, reduction in useful life, plans to reduce usage or scope.<span class=\"_ _3eb\"> </span>For capitalised software that is internally <span class=\"_ _7\"></span>generated, judgement is required to determine which <span class=\"_ _7\"></span>costs relate to research (expensed) and which costs relate to <span class=\"_ _7\"></span>development (capitalised). Further judgement is required to <span class=\"_ _7\"></span>determine the technical feasibility of completing the software such <span class=\"_ _7\"></span>that it will be available for use. <span class=\"_ _7\"></span>Estimates are used to determine how <span class=\"_ _7\"></span>the software will generate probable future economic benefits: <span class=\"_ _7\"></span>these estimates include cost savings, income increases, <span class=\"_ _7\"></span>balance sheet improvements, improved functionality or improved asset <span class=\"_ _7\"></span>safeguarding.<span class=\"_ _3eb\"> </span>Software as a Service (SaaS) and <span class=\"_ _7\"></span>similar cloud service models is a contractual <span class=\"_ _7\"></span>arrangement that conveys the right to <span class=\"_ _7\"></span>receive access to the supplier\u2019s software application <span class=\"_ _7\"></span>over the contract term. As such, the <span class=\"_ _7\"></span>Group does not have control and <span class=\"_ _7\"></span>as a result recognises an operating expense for these <span class=\"_ _7\"></span>costs over the contract term.<span class=\"_ _3eb\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForIntangibleAssetsOtherThanGoodwillExplanatory",
    "language": "en",
    "entity": "scheme:U4LOSYZ7YG4W3S5F2G91",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-733": {
   "value": "Goodwill<span class=\"_ _3eb\"> </span>Goodwill on acquisitions of subsidiaries is <span class=\"_ _7\"></span>included in intangible assets. Goodwill on acquisitions <span class=\"_ _7\"></span>of associates is included in<span class=\"_ gs36\"> </span>Investments in associates and joint ventures. <span class=\"_ _7\"></span>Goodwill included in intangible assets is assessed <span class=\"_ _7\"></span>at each balance sheet date<span class=\"_ gs36\"> </span>for impairment and carried at cost <span class=\"_ _7\"></span>less any accumulated impairment losses. Gains and <span class=\"_ _7\"></span>losses on the disposal of an entity include the carrying amount of <span class=\"_ _7\"></span>goodwill relating to the entity sold. Detailed <span class=\"_ _7\"></span>calculations are performed based on forecasting expected cash flows of the <span class=\"_ _7\"></span>relevant cash generating units (CGUs) and discounting <span class=\"_ _7\"></span>these at an appropriate discount rate, the<span class=\"_ gs36\"> </span>determination of which requires <span class=\"_ _7\"></span>the exercise of judgement. Goodwill is allocated <span class=\"_ _7\"></span>to CGUs for the purpose of impairment testing. CGUs represent the <span class=\"_ _7\"></span>lowest level within the Group which generate <span class=\"_ _7\"></span>separate cash inflows and at which the goodwill is monitored for internal <span class=\"_ _7\"></span>management purposes. These are equal to or <span class=\"_ _7\"></span>smaller than the Group\u2019s reportable segments (as set out in Note <span class=\"_ _7\"></span>2) as the Group views its reportable <span class=\"_ _7\"></span>segments on a global basis. The <span class=\"_ _7\"></span>major CGUs to which goodwill has been allocated are set <span class=\"_ _7\"></span>out in the CGU table.<span class=\"_ _3eb\"> </span>Other accounting <span class=\"_ _7\"></span>estimates and <span class=\"_ _7\"></span>judgements<span class=\"_ _3eb\"> </span>The carrying amount of goodwill is <span class=\"_ _7\"></span>based on the application of judgements including <span class=\"_ _7\"></span>the basis of goodwill impairment calculation assumptions. Judgement is also applied <span class=\"_ _7\"></span>in determination of CGUs.<span class=\"_ _3eb\"> </span>Estimates include forecasts used for determining <span class=\"_ _7\"></span>cash flows for CGUs, the appropriate long-term <span class=\"_ _7\"></span>growth rates to use and<span class=\"_ gs36\"> </span>discount rates which factor in country <span class=\"_ _7\"></span>risk-free rates and applicable risk premiums. The <span class=\"_ _7\"></span>Group undertakes an annual assessment to evaluate whether the carrying <span class=\"_ _7\"></span>value of goodwill is impaired. The estimation <span class=\"_ _7\"></span>of future cash flows and the level<span class=\"_ gs36\"> </span>to which they are discounted is <span class=\"_ _7\"></span>inherently uncertain and requires significant judgement and <span class=\"_ _7\"></span>is subject to potential change over time.<span class=\"_ _3eb\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForGoodwillExplanatory",
    "language": "en",
    "entity": "scheme:U4LOSYZ7YG4W3S5F2G91",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-638": {
   "value": "18. Property, plant <span class=\"_ _1b\"></span>and equipment<span class=\"_ _3eb\"> </span>Accounting policy<span class=\"_ _3eb\"> </span>All property, plant and equipment is <span class=\"_ _7\"></span>stated at cost less accumulated depreciation and <span class=\"_ _7\"></span>impairment losses. Land and buildings comprise mainly branches <span class=\"_ _7\"></span>and offices. Freehold land is not depreciated <span class=\"_ _7\"></span>although it is subject to<span class=\"_ gs36\"> </span>impairment testing. Depreciation on other assets is calculated <span class=\"_ _7\"></span>using the straight-line method to allocate their <span class=\"_ _7\"></span>cost to their residual values over their estimated useful lives, as follows:  <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ls2\">Owned premises<span class=\"_ _20c\"> </span></span> <span class=\"_ _190\"></span>\u2022<span class=\"_ _71\"> </span><span class=\"ls2\">up to 50 years</span> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ls2\">Leasehold premises<span class=\"_ _1e5\"> </span></span> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ls2\">up to 50 years</span> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ls2\">Leasehold improvements<span class=\"_ _11\"></span> <span class=\"_ _133\"> </span></span> <span class=\"_ _190\"></span>\u2022<span class=\"_ _71\"> </span><span class=\"ff4 ls2 ws1\">Shorter of remaining lease term and 10 years</span> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ls2\">Equipment and motor vehicles<span class=\"_ _11\"></span> <span class=\"_ _df\"> </span></span> <span class=\"_ _190\"></span>\u2022<span class=\"_ _71\"> </span><span class=\"ls2\">three to 15 years<span class=\"_ _3eb\"> </span></span>Where the Group is a lessee <span class=\"_ _7\"></span>of a right-of-use asset, the leased assets <span class=\"_ _7\"></span>are capitalised and included in Property, <span class=\"_ _7\"></span>plant and equipment with a corresponding liability to <span class=\"_ _7\"></span>the lessor recognised in other liabilities. The <span class=\"_ _7\"></span>accounting policy for lease assets is<span class=\"_ gs36\"> </span>set out in Note 19.<span class=\"_ _3eb\"> </span><div class=\"gs3ff\"><table class=\"s w4b8 h274\" id=\"_bb35fedf-13ea-41d7-b9e2-53c9ded8a0cb\"><tr><td></td><td></td><td></td><td class=\"c n x6b4 y698b w306 h215\"><div class=\"t m0 x1ed h38 y6563 ff5 fs17 fc0 sc0 ls21 ws20\">2025<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td></td><td></td><td class=\"c n x14ae y698b w307 h205\"><div class=\"t m0 x1ed h38 y6563 ff1 fs17 fc3 sc0 ls21 ws20\">2024<span class=\"_ _3eb\"> </span></div></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td class=\"t m0 x2ef h38 y698c ff5 fs17 fc0 sc0 ls21 ws20\">Leased<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x14af h38 y698c ff5 fs17 fc0 sc0 ls21 ws20\">Leased<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td class=\"t m0 x870 h39 y698c ff1 fs17 fc3 sc0 ls21 ws20\">Leased<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x2ea h39 y698c ff1 fs17 fc3 sc0 ls21 ws20\">Leased</td><td></td></tr><tr><td></td><td></td><td></td><td class=\"t m0 x14b0 h38 y698d ff5 fs17 fc0 sc0 ls21 ws20\"> premises</td><td class=\"t m0 x2d2 h38 y698d ff5 fs17 fc0 sc0 ls21 ws20\"> equipment </td><td></td><td></td><td></td><td class=\"t m0 x14b1 h39 y698d ff1 fs17 fc3 sc0 ls21 ws0\"> premises</td><td class=\"t m0 x96e h39 y698d ff1 fs17 fc3 sc0 ls21 ws0\"> equipment </td><td></td></tr><tr><td></td><td class=\"t m0 x2cf h38 y698e ff5 fs17 fc0 sc0 ls21 ws20\">Premises<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x14b2 h38 y698e ff5 fs17 fc0 sc0 ls21 ws20\">Equipment</td><td class=\"t m0 x2df h38 y698e ff2 fs17 fc0 sc0 ls21 ws0\"> assets<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x14b3 h38 y698e ff2 fs17 fc0 sc0 ls21 ws20\">assets<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x6c3 h38 y698e ff5 fs17 fc0 sc0 ls21 ws20\">Total<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x6b7 h39 y698e ff1 fs17 fc3 sc0 ls21 ws20\">Premises<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x13ea h39 y698e ff1 fs17 fc3 sc0 ls21 ws20\">Equipment</td><td class=\"t m0 xc2a h39 y698e ff1 fs17 fc3 sc0 ls21 ws0\"> assets<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x14b4 h39 y698e ff1 fs17 fc3 sc0 ls21 ws20\">assets<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x6cb h39 y698e ff1 fs17 fc3 sc0 ls21 ws20\">Total<span class=\"_ _3eb\"> </span></td></tr><tr><td></td><td class=\"t m0 x14b5 h38 y698f ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x66e h38 y698f ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x4bc h38 y698f ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xc2c h38 y698f ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x670 h38 y698f ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x14b6 h2c y698f ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x14b7 h2c y698f ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x14b8 h2c y698f ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xc2f h2c y698f ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x234 h2c y698f ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"t m0 x235 h3b y6990 ff1 fs5 fc3 sc0 ls5 ws0\">Cost or valuation<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y65e9 wa4e h1fe\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">At 1 January<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x14b9 y65e9 wa96 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">1,726<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x14ba y65e9 wa97 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">936<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x14bb y65e9 wa98 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">2,026<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x14bc y65e9 w15f h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">163<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x14bd y65e9 wa99 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">4,851<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x14be y65e9 w8b1 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">1,741<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x14bf y65e9 wa9a h1ff\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">810<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x14c0 y65e9 w3b3 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">1,864<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x14c1 y65e9 wa9b h1ff\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">18<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x14c2 y65e9 wa9c h1fe\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">4,433<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6991 wa52 h1fe\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Exchange translation differences<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x14c3 y6991 w66 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">26<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x14c4 y6991 w3c9 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">33<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x14c5 y6991 w8b4 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">39<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x14c6 y6991 w298 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(1)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x14c7 y6991 wa9d h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">97<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x14c8 y6991 wa6e h1ff\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(41)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x14c9 y6991 w8ce h1ff\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(31)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x14ca y6991 w9a3 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(38)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x14cb y6991 w982 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(4)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x14cc y6991 w455 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(114)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y65eb wa54 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">Additions<span class=\"_ _3eb\"> </span></div></td><td class=\"c x14ce y65eb wa9e h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">133</div><div class=\"t m0 x14cd h93 y697f ff6 fs1b fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c x2ee y65eb wa9f h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">187</div><div class=\"t m0 x14cf h93 y697f ff6 fs1b fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x14d0 y65eb waa0 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">253<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x14d1 y65eb waa1 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">56<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x14d2 y65eb wd7 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">629<span class=\"_ _3eb\"> </span></div></td><td class=\"c x14d4 y65eb waa2 h275\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">112</div><div class=\"t m0 x14d3 h3c y697f ff1 fs1b fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c x14d6 y6992 waa3 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">194</div><div class=\"t m0 x14d5 h3c y660d ff1 fs1b fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x14d7 y6992 w39e h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">213<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x14d8 y6992 waa4 h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">150<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x14d9 y6992 w398 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">669<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x235 h3b y6993 ff1 fs5 fc3 sc0 ls5 ws0\">Disposals and fully depreciated </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y6994 waa5 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">assets written off<span class=\"_ _3eb\"> </span></div></td><td class=\"c x14db y6994 waa6 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(29)</div><div class=\"t m0 x14da h93 y697f ff6 fs1b fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td><td class=\"c x14dd y6994 waa7 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(54)</div><div class=\"t m0 x14dc h93 y697f ff6 fs1b fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x14d0 y6994 w261 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(54)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x14de y6994 w298 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(1)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x14df y6994 wde h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(138)<span class=\"_ _3eb\"> </span></div></td><td class=\"c x14e1 y6994 waa8 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(61)</div><div class=\"t m0 x14e0 h3c y697f ff1 fs1b fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td><td class=\"c x14d6 y6995 waa9 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(37)</div><div class=\"t m0 x14e2 h3c y660d ff1 fs1b fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xe64 y6995 w8ce h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(13)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x14e3 y6995 wac h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(1)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x14e4 y6995 w2b8 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(112)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6996 waaa h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Transfers to assets held for sale<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x14e5 y6996 w3cc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(43)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x14e6 y6996 w2bc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x14e7 y6996 w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x14e8 y6996 w2bc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x14e9 y6996 w3cc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(43)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x14ea y6996 w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x14eb y6996 w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x14ec y6996 w1cf h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x14ed y6996 w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x14ee y6996 w1cf h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y6997 waab h25c\"><div class=\"t m0 x1ed h3b y6600 ff1 fs5 fc3 sc0 ls5 ws0\">Other movements</div><div class=\"t m0 x4c3 h3c y667e ff1 fs1b fc3 sc0 ls0 ws0\">3<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x14ef y6998 w269 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(9)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x14f0 y6998 w2bc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x14f1 y6998 w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x14f2 y6998 w2bc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x14f3 y6998 w4a4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(9)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x14f4 y6998 w3ac h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(25)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x14f5 y6998 w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x14f6 y6998 w1cf h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x14f7 y6998 w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x14f8 y6998 w3ac h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(25)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6999 waac h201\"><div class=\"t m0 x1ed h3d y6548 ff5 fs5 fc3 sc0 ls5 ws5\">As at 31 December<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x14f9 y6999 w317 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">1,804<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x14fa y6999 w352 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">1,102<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x14fb y6999 waad h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">2,264<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x14fc y6999 waae h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">217<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x310 y6999 w10c h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">5,387<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x14fd y6999 w468 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">1,726<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x14fe y6999 waaf h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">936<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x14ff y6999 w442 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">2,026<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1500 y6999 w4f5 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">163<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1501 y6999 w654 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">4,851<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x235 h1a y699a ff4 fs5 fc3 sc0 ls5 ws5\">Depreciation<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y6695 wab0 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Accumulated at 1 January<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1502 y6695 wab1 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">716<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1503 y6695 wab2 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">575<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1504 y6695 wab3 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">1,096<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1505 y6695 w8b4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">39<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1506 y6695 wa03 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">2,426<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1507 y6695 w11b h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">692<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1508 y6695 w382 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">535<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1509 y6695 wab4 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">914<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x150a y6695 we3 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">18<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x150b y6695 wab5 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">2,159<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y65f3 wa52 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Exchange translation differences<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x150c y65f3 w423 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">13<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x150d y65f3 w1e5 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">30<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x150e y65f3 w45d h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">3<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x150f y65f3 wa66 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(3)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1510 y65f3 w94c h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">43<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1511 y65f3 wab6 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(28)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1512 y65f3 w482 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(15)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1513 y65f3 wab7 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(40)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1514 y65f3 wa6e h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(14)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1515 y65f3 wab8 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(97)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y68a8 wab9 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Charge for the year<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1516 y68a8 w8bf h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">87<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1517 y68a8 waba h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">114<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1518 y68a8 wabb h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">228<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1519 y68a8 w3e7 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">52<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x151a y68a8 wee h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">481<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x151b y68a8 w2c0 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">79<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x151c y68a8 w73 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">92<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x151d y68a8 w40d h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">220<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x151e y68a8 w1f2 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">36<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x151f y68a8 wabc h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">427<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y65f5 wa6b h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Impairment charge<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1520 y65f5 w298 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(1)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1521 y65f5 w2bc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1522 y65f5 w2f1 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1523 y65f5 w2bc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1524 y65f5 w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1525 y65f5 w4da h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1526 y65f5 w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1527 y65f5 wa8 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">9<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1528 y65f5 w1cf h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1529 y65f5 wabd h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">11<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y6610 wabe h219\"><div class=\"t m0 x1ed h3b y65db ff1 fs5 fc3 sc0 ls5 ws0\">Attributable to assets sold,<span class=\"_ _3eb\"> </span></div><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">transferred or written off<span class=\"_ _3eb\"> </span></div></td><td class=\"c x152b y6610 wabf h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(19)</div><div class=\"t m0 x152a h93 y697f ff6 fs1b fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td><td class=\"c xb00 y6610 wac0 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(53)</div><div class=\"t m0 x152c h93 y697f ff6 fs1b fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x14d0 y6610 wac1 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(34)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x152d y6610 w471 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(1)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x152e y6610 w8ad h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(107)<span class=\"_ _3eb\"> </span></div></td><td class=\"c x1530 y6610 wac2 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(29)</div><div class=\"t m0 x152f h3c y697f ff1 fs1b fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td><td class=\"c x14d6 y66bd waa9 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(37)</div><div class=\"t m0 x14e2 h3c y660d ff1 fs1b fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1531 y66bd w47e h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(7)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1532 y66bd wac h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(1)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1533 y66bd wac3 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(74)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6577 waaa h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Transfers to assets held for sale<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1534 y6577 wac4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(15)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1535 y6577 w2bc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1536 y6577 w2bc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1537 y6577 w2bc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1538 y6577 wac5 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(15)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1539 y6577 w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x153a y6577 w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x153b y6577 w1cf h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x153c y6577 w1cf h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x153d y6577 w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6566 wac6 h201\"><div class=\"t m0 x1ed h3d y6548 ff5 fs5 fc3 sc0 ls5 ws5\">Accumulated at 31 December<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x14db y6566 wac7 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">781<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x153e y6566 wa5c h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">666<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x153f y6566 wa95 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">1,294<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1540 y6566 w8bf h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">87<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1541 y6566 wac8 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">2,828<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1542 y6566 w63d h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">716<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1543 y6566 w380 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">575<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1544 y6566 wac9 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">1,096<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1545 y6566 w389 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">39<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1546 y6566 w3af h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">2,426<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6567 waca h201\"><div class=\"t m0 x1ed h3d y6548 ff5 fs5 fc3 sc0 ls5 ws5\">Net book amount at 31 December<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1547 y6567 w60 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">1,023<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1548 y6567 we7 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">436<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1549 y6567 w109 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">970<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x154a y6567 w314 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">130<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x154b y6567 we4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">2,559<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x154c y6567 wacb h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">1,010<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x154d y6567 w4bd h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">361<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x154e y6567 w5de h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">930<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x154f y6567 w8ca h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">124<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1550 y6567 w82e h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">2,425<span class=\"_ _3eb\"> </span></div></td></tr></table></div><div class=\"t m0 hb ff1 fs7 fc3 sc0 ls7 ws7 gs659\">1 <span class=\"_ _b\"> </span><span class=\"ff4\">Refer to the cash flow statement under cash flows from investing activities <span class=\"_ _7\"></span>section for the purchase of property, plant and <span class=\"_ _7\"></span>equipment during the year of $320 million </span></div><div class=\"t m0 hb ff4 fs7 fc3 sc0 ls7 ws7 gs65a\">(31 December 2024: $456 million).<span class=\"_ _3eb\"> </span></div><div class=\"t m0 hb ff1 fs7 fc3 sc0 ls7 ws7 gs65b\">2 <span class=\"_ _f\"> </span><span class=\"ff4\">In the cash flow statement, disposals of property, plant and equipment of <span class=\"_ _7\"></span>$30 million (31 December 2024: $56 million) would <span class=\"_ _7\"></span>include the gains/(losses) incurred as </span></div><div class=\"t m0 hb ff4 fs7 fc3 sc0 ls7 ws7 gs65c\">part of other operating income (note 6) on <span class=\"_ _7\"></span>disposal of assets during the year and the <span class=\"_ _7\"></span>net book value disposed.<span class=\"_ _3eb\"> </span></div><div class=\"t m0 hb ff1 fs7 fc3 sc0 ls7 ws7 gs65d\">3 <span class=\"_ _f\"> </span><span class=\"ff4\">Includes revaluation surplus on initial measurement $5 million (31 December 2024: $25 million) <span class=\"_ _7\"></span>recognised in statement of other comprehensive income and </span></div><div class=\"t m0 hb ff4 fs7 fc3 sc0 ls7 ws7 gs65e\">subsequent re-measurement $14 million (31 December 2024: nil) <span class=\"_ _7\"></span>taken to income statement.</div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfPropertyPlantAndEquipmentExplanatory",
    "language": "en",
    "entity": "scheme:U4LOSYZ7YG4W3S5F2G91",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-734": {
   "value": "Accounting policy<span class=\"_ _3eb\"> </span>All property, plant and equipment is <span class=\"_ _7\"></span>stated at cost less accumulated depreciation and <span class=\"_ _7\"></span>impairment losses. Land and buildings comprise mainly branches <span class=\"_ _7\"></span>and offices. Freehold land is not depreciated <span class=\"_ _7\"></span>although it is subject to<span class=\"_ gs36\"> </span>impairment testing. Depreciation on other assets is calculated <span class=\"_ _7\"></span>using the straight-line method to allocate their <span class=\"_ _7\"></span>cost to their residual values over their estimated useful lives, as follows:  <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ls2\">Owned premises<span class=\"_ _20c\"> </span></span> <span class=\"_ _190\"></span>\u2022<span class=\"_ _71\"> </span><span class=\"ls2\">up to 50 years</span> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ls2\">Leasehold premises<span class=\"_ _1e5\"> </span></span> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ls2\">up to 50 years</span> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ls2\">Leasehold improvements<span class=\"_ _11\"></span> <span class=\"_ _133\"> </span></span> <span class=\"_ _190\"></span>\u2022<span class=\"_ _71\"> </span><span class=\"ff4 ls2 ws1\">Shorter of remaining lease term and 10 years</span> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ls2\">Equipment and motor vehicles<span class=\"_ _11\"></span> <span class=\"_ _df\"> </span></span> <span class=\"_ _190\"></span>\u2022<span class=\"_ _71\"> </span><span class=\"ls2\">three to 15 years<span class=\"_ _3eb\"> </span></span>Where the Group is a lessee <span class=\"_ _7\"></span>of a right-of-use asset, the leased assets <span class=\"_ _7\"></span>are capitalised and included in Property, <span class=\"_ _7\"></span>plant and equipment with a corresponding liability to <span class=\"_ _7\"></span>the lessor recognised in other liabilities. The <span class=\"_ _7\"></span>accounting policy for lease assets is<span class=\"_ gs36\"> </span>set out in Note 19.<span class=\"_ _3eb\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForDepreciationExpenseExplanatory",
    "language": "en",
    "entity": "scheme:U4LOSYZ7YG4W3S5F2G91",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-714": {
   "value": "Accounting policy<span class=\"_ _3eb\"> </span>All property, plant and equipment is <span class=\"_ _7\"></span>stated at cost less accumulated depreciation and <span class=\"_ _7\"></span>impairment losses. Land and buildings comprise mainly branches <span class=\"_ _7\"></span>and offices. Freehold land is not depreciated <span class=\"_ _7\"></span>although it is subject to<span class=\"_ gs36\"> </span>impairment testing. Depreciation on other assets is calculated <span class=\"_ _7\"></span>using the straight-line method to allocate their <span class=\"_ _7\"></span>cost to their residual values over their estimated useful lives, as follows:  <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ls2\">Owned premises<span class=\"_ _20c\"> </span></span> <span class=\"_ _190\"></span>\u2022<span class=\"_ _71\"> </span><span class=\"ls2\">up to 50 years</span> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ls2\">Leasehold premises<span class=\"_ _1e5\"> </span></span> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ls2\">up to 50 years</span> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ls2\">Leasehold improvements<span class=\"_ _11\"></span> <span class=\"_ _133\"> </span></span> <span class=\"_ _190\"></span>\u2022<span class=\"_ _71\"> </span><span class=\"ff4 ls2 ws1\">Shorter of remaining lease term and 10 years</span> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ls2\">Equipment and motor vehicles<span class=\"_ _11\"></span> <span class=\"_ _df\"> </span></span> <span class=\"_ _190\"></span>\u2022<span class=\"_ _71\"> </span><span class=\"ls2\">three to 15 years<span class=\"_ _3eb\"> </span></span>Where the Group is a lessee <span class=\"_ _7\"></span>of a right-of-use asset, the leased assets <span class=\"_ _7\"></span>are capitalised and included in Property, <span class=\"_ _7\"></span>plant and equipment with a corresponding liability to <span class=\"_ _7\"></span>the lessor recognised in other liabilities. The <span class=\"_ _7\"></span>accounting policy for lease assets is<span class=\"_ gs36\"> </span>set out in Note 19.<span class=\"_ _3eb\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForPropertyPlantAndEquipmentExplanatory",
    "language": "en",
    "entity": "scheme:U4LOSYZ7YG4W3S5F2G91",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-639": {
   "value": "19. Leased assets<span class=\"_ _3eb\"> </span>Accounting policy<span class=\"_ _3eb\"> </span>Where the Group is a lessee <span class=\"_ _7\"></span>and the lease is deemed in scope <span class=\"_ _7\"></span>of IFRS 16, it recognises a <span class=\"_ _7\"></span>liability equal to the present value of<span class=\"_ gs36\"> </span>lease payments over the lease term, <span class=\"_ _7\"></span>discounted using the incremental borrowing rate applicable <span class=\"_ _7\"></span>in the economic environment of the lease. The liability <span class=\"_ _7\"></span>is recognised in \u2018Other liabilities\u2019. A corresponding <span class=\"_ _7\"></span>right-of-use asset equal to the liability, adjusted for any lease payments <span class=\"_ _7\"></span>made at or before the commencement date, <span class=\"_ _7\"></span>is recognised in \u2018Property, plant and<span class=\"_ gs36\"> </span>equipment\u2019. The lease term includes any <span class=\"_ _7\"></span>extension options contained in the contract that <span class=\"_ _7\"></span>the Group is reasonably certain it will exercise.<span class=\"_ _3eb\"> </span>The Group subsequently depreciates the right-of-use asset using the straight-line method over the lease term and measures<span class=\"_ gs36\"> </span>the lease liability using the effective <span class=\"_ _7\"></span>interest method. Depreciation on the asset is <span class=\"_ _7\"></span>recognised in \u2018Depreciation and<span class=\"_ gs36\"> </span>amortisation\u2019, and interest on the lease <span class=\"_ _7\"></span>liability is recognised in \u2018Interest expense\u2019.<span class=\"_ _3eb\"> </span>If a leased premise, or a <span class=\"_ _7\"></span>physically distinct portion of a premise such <span class=\"_ _7\"></span>as an individual floor, is deemed <span class=\"_ _7\"></span>by management to be surplus to the Group\u2019s needs and action has been taken to abandon the space before the lease expires, this is considered an indicator of impairment. An impairment loss <span class=\"_ _7\"></span>is recognised if the right-of-use asset, or <span class=\"_ _7\"></span>portion thereof, has a carrying value <span class=\"_ _7\"></span>in excess of its value-in-use when taking <span class=\"_ _7\"></span>into account factors such as the ability <span class=\"_ _7\"></span>and likelihood of obtaining a subtenant.<span class=\"_ _3eb\"> </span>The key judgement in determining lease <span class=\"_ _7\"></span>balances is the determination of the lease <span class=\"_ _7\"></span>term, in particular whether the Group is<span class=\"_ gs36\"> </span>reasonably certain that it will exercise <span class=\"_ _7\"></span>extension options present in lease contracts. On <span class=\"_ _7\"></span>initial recognition, the Group considers a range of characteristics such <span class=\"_ _7\"></span>as premises function, regional trends and the <span class=\"_ _7\"></span>term remaining on the lease to determine whether it is reasonably certain <span class=\"_ _7\"></span>that a contractual right to extend a <span class=\"_ _7\"></span>lease will be exercised. When there <span class=\"_ _7\"></span>are changes to assumptions the lease balances <span class=\"_ _7\"></span>are remeasured.<span class=\"_ _3eb\"> </span>The estimates involved are the determination <span class=\"_ _7\"></span>of incremental borrowing rates in the respective <span class=\"_ _7\"></span>economic environments. The<span class=\"_ gs36\"> </span>Group uses third-party broker quotes to <span class=\"_ _7\"></span>estimate its USD cost of senior unsecured <span class=\"_ _7\"></span>borrowing, then uses cross currency swap pricing information to determine the <span class=\"_ _7\"></span>equivalent cost of borrowing in other currencies. <span class=\"_ _7\"></span>If it is not possible to <span class=\"_ _7\"></span>estimate an<span class=\"_ gs36\"> </span>incremental borrowing rate through this process, <span class=\"_ _7\"></span>other proxies such as local government bond <span class=\"_ _7\"></span>yields are used.<span class=\"_ _3eb\"> </span>The Group primarily enters lease contracts <span class=\"_ _7\"></span>that grant it the right to use <span class=\"_ _7\"></span>premises such as office buildings and <span class=\"_ _7\"></span>retail branches.<span class=\"_ _3eb\"> </span>Existing lease liabilities may change in <span class=\"_ _7\"></span>future periods due to changes in assumptions <span class=\"_ _7\"></span>or decisions to exercise lease renewal or<span class=\"_ gs36\"> </span>termination options, changes in payments due <span class=\"_ _7\"></span>to renegotiations of market rental rates as <span class=\"_ _7\"></span>permitted by those contracts and changes to payments due to <span class=\"_ _7\"></span>rent being contractually linked to an inflation <span class=\"_ _7\"></span>index. In general the re-measurement of a<span class=\"_ gs36\"> </span>lease liability under these circumstances leads <span class=\"_ _7\"></span>to an equal change to the right-of-use <span class=\"_ _7\"></span>asset balance, with no immediate effect on the<span class=\"_ gs36\"> </span>income statement.<span class=\"_ _3eb\"> </span>The total cash outflow during the <span class=\"_ _7\"></span>year for premises and equipment leases was <span class=\"_ _7\"></span>$268 million (2024: $265 million).<span class=\"_ _3eb\"> </span>The right-of-use asset balances and depreciation <span class=\"_ _7\"></span>charges are disclosed in Note 18. The <span class=\"_ _7\"></span>lease liability balances are disclosed in<span class=\"_ gs36\"> </span>Note 23 and the interest expense <span class=\"_ _7\"></span>on lease liabilities is disclosed in Note <span class=\"_ _7\"></span>3.<span class=\"_ _3eb\"> </span>Maturity analysis<span class=\"_ _3eb\"> </span>The maturity profile for lease liabilities <span class=\"_ _7\"></span>associated with leased premises and equipment assets <span class=\"_ _7\"></span>is as follows:<span class=\"_ _3eb\"> </span><table class=\"s wacc h276\" id=\"_a0c7f332-02d6-400f-a214-4faad3e447ab\"><tr><td></td><td></td><td></td><td class=\"c n x527 y699b w306 h215\"><div class=\"t m0 x1ed h38 y6563 ff5 fs17 fc0 sc0 ls21 ws20\">2025<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td></td><td></td><td class=\"c n x1551 y699b w307 h205\"><div class=\"t m0 x1ed h38 y6563 ff1 fs17 fc3 sc0 ls21 ws20\">2024<span class=\"_ _3eb\"> </span></div></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"t m0 x60c h38 y699c ff5 fs17 fc0 sc0 ls21 ws20\">Between </td><td class=\"t m0 x60d h38 y699c ff5 fs17 fc0 sc0 ls21 ws20\">Between </td><td></td><td></td><td></td><td class=\"t m0 x405 h39 y699c ff1 fs17 fc3 sc0 ls21 ws20\">Between </td><td class=\"t m0 x607 h39 y699c ff1 fs17 fc3 sc0 ls21 ws20\">Between </td><td></td><td></td></tr><tr><td></td><td></td><td class=\"t m0 x60c h38 y699d ff5 fs17 fc0 sc0 ls21 ws20\">one year </td><td class=\"t m0 xde3 h38 y699d ff5 fs17 fc0 sc0 ls21 ws20\">two years </td><td></td><td></td><td></td><td class=\"t m0 x405 h39 y699d ff1 fs17 fc3 sc0 ls21 ws0\">one year </td><td class=\"t m0 xf40 h39 y699d ff1 fs17 fc3 sc0 ls21 ws0\">two years </td><td></td><td></td></tr><tr><td></td><td class=\"t m0 x52e h38 y699e ff5 fs17 fc0 sc0 ls21 ws20\">One year </td><td class=\"t m0 xf47 h38 y699e ff5 fs17 fc0 sc0 ls21 ws20\">and two </td><td class=\"t m0 x1552 h38 y699e ff5 fs17 fc0 sc0 ls21 ws20\">and five </td><td class=\"t m0 x5fd h38 y699e ff5 fs17 fc0 sc0 ls21 ws20\">More than </td><td></td><td class=\"t m0 x531 h39 y699e ff1 fs17 fc3 sc0 ls21 ws0\">One year </td><td class=\"t m0 x1553 h39 y699e ff1 fs17 fc3 sc0 ls21 ws0\">and two </td><td class=\"t m0 x9d8 h39 y699e ff1 fs17 fc3 sc0 ls21 ws0\">and five </td><td class=\"t m0 x1554 h39 y699e ff1 fs17 fc3 sc0 ls21 ws0\">More than </td><td></td></tr><tr><td></td><td class=\"t m0 x1555 h38 y699f ff5 fs17 fc0 sc0 ls21 ws20\">or less<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xd2d h38 y699f ff5 fs17 fc0 sc0 ls21 ws20\">years<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1556 h38 y699f ff5 fs17 fc0 sc0 ls21 ws20\">years<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x537 h38 y699f ff5 fs17 fc0 sc0 ls21 ws20\">five years<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1557 h38 y699f ff5 fs17 fc0 sc0 ls21 ws20\">Total<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xdea h39 y699f ff1 fs17 fc3 sc0 ls21 ws0\">or less<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xd31 h39 y699f ff1 fs17 fc3 sc0 ls21 ws20\">years<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x10c3 h39 y699f ff1 fs17 fc3 sc0 ls21 ws20\">years<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x53c h39 y699f ff1 fs17 fc3 sc0 ls21 ws0\">five years<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x60a h39 y699f ff1 fs17 fc3 sc0 ls21 ws20\">Total<span class=\"_ _3eb\"> </span></td></tr><tr><td></td><td class=\"t m0 x1558 h38 y69a0 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xb9b h38 y69a0 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x536 h38 y69a0 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x530 h38 y69a0 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x9cb h38 y69a0 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x610 h2c y69a0 ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x611 h2c y69a0 ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x53b h2c y69a0 ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x533 h2c y69a0 ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1ec h2c y69a0 ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c n x1ee y69a1 wacd h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">Other liabilities \u2013 lease liabilities<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1559 y69a1 w8b7 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">292</div></td><td class=\"c n x155a y69a1 w63c h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">245</div></td><td class=\"c n x155b y69a1 wa5c h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">483</div></td><td class=\"c n x155c y69a1 w43d h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">450</div></td><td class=\"c n x155d y69a1 wace h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">1,470</div></td><td class=\"c n x155e y69a1 w355 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">279</div></td><td class=\"c n x155f y69a1 w50c h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">223</div></td><td class=\"c n x1560 y69a1 wacf h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">443</div></td><td class=\"c n x1561 y69a1 we8 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">414</div></td><td class=\"c n x1562 y69a1 wad0 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">1,359</div></td></tr></table>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfLeasesExplanatory",
    "language": "en",
    "entity": "scheme:U4LOSYZ7YG4W3S5F2G91",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-715": {
   "value": "Accounting policy<span class=\"_ _3eb\"> </span>Where the Group is a lessee <span class=\"_ _7\"></span>and the lease is deemed in scope <span class=\"_ _7\"></span>of IFRS 16, it recognises a <span class=\"_ _7\"></span>liability equal to the present value of<span class=\"_ gs36\"> </span>lease payments over the lease term, <span class=\"_ _7\"></span>discounted using the incremental borrowing rate applicable <span class=\"_ _7\"></span>in the economic environment of the lease. The liability <span class=\"_ _7\"></span>is recognised in \u2018Other liabilities\u2019. A corresponding <span class=\"_ _7\"></span>right-of-use asset equal to the liability, adjusted for any lease payments <span class=\"_ _7\"></span>made at or before the commencement date, <span class=\"_ _7\"></span>is recognised in \u2018Property, plant and<span class=\"_ gs36\"> </span>equipment\u2019. The lease term includes any <span class=\"_ _7\"></span>extension options contained in the contract that <span class=\"_ _7\"></span>the Group is reasonably certain it will exercise.<span class=\"_ _3eb\"> </span>The Group subsequently depreciates the right-of-use asset using the straight-line method over the lease term and measures<span class=\"_ gs36\"> </span>the lease liability using the effective <span class=\"_ _7\"></span>interest method. Depreciation on the asset is <span class=\"_ _7\"></span>recognised in \u2018Depreciation and<span class=\"_ gs36\"> </span>amortisation\u2019, and interest on the lease <span class=\"_ _7\"></span>liability is recognised in \u2018Interest expense\u2019.<span class=\"_ _3eb\"> </span>If a leased premise, or a <span class=\"_ _7\"></span>physically distinct portion of a premise such <span class=\"_ _7\"></span>as an individual floor, is deemed <span class=\"_ _7\"></span>by management to be surplus to the Group\u2019s needs and action has been taken to abandon the space before the lease expires, this is considered an indicator of impairment. An impairment loss <span class=\"_ _7\"></span>is recognised if the right-of-use asset, or <span class=\"_ _7\"></span>portion thereof, has a carrying value <span class=\"_ _7\"></span>in excess of its value-in-use when taking <span class=\"_ _7\"></span>into account factors such as the ability <span class=\"_ _7\"></span>and likelihood of obtaining a subtenant.<span class=\"_ _3eb\"> </span>The key judgement in determining lease <span class=\"_ _7\"></span>balances is the determination of the lease <span class=\"_ _7\"></span>term, in particular whether the Group is<span class=\"_ gs36\"> </span>reasonably certain that it will exercise <span class=\"_ _7\"></span>extension options present in lease contracts. On <span class=\"_ _7\"></span>initial recognition, the Group considers a range of characteristics such <span class=\"_ _7\"></span>as premises function, regional trends and the <span class=\"_ _7\"></span>term remaining on the lease to determine whether it is reasonably certain <span class=\"_ _7\"></span>that a contractual right to extend a <span class=\"_ _7\"></span>lease will be exercised. When there <span class=\"_ _7\"></span>are changes to assumptions the lease balances <span class=\"_ _7\"></span>are remeasured.<span class=\"_ _3eb\"> </span>The estimates involved are the determination <span class=\"_ _7\"></span>of incremental borrowing rates in the respective <span class=\"_ _7\"></span>economic environments. The<span class=\"_ gs36\"> </span>Group uses third-party broker quotes to <span class=\"_ _7\"></span>estimate its USD cost of senior unsecured <span class=\"_ _7\"></span>borrowing, then uses cross currency swap pricing information to determine the <span class=\"_ _7\"></span>equivalent cost of borrowing in other currencies. <span class=\"_ _7\"></span>If it is not possible to <span class=\"_ _7\"></span>estimate an<span class=\"_ gs36\"> </span>incremental borrowing rate through this process, <span class=\"_ _7\"></span>other proxies such as local government bond <span class=\"_ _7\"></span>yields are used.<span class=\"_ _3eb\"> </span>The Group primarily enters lease contracts <span class=\"_ _7\"></span>that grant it the right to use <span class=\"_ _7\"></span>premises such as office buildings and <span class=\"_ _7\"></span>retail branches.<span class=\"_ _3eb\"> </span>Existing lease liabilities may change in <span class=\"_ _7\"></span>future periods due to changes in assumptions <span class=\"_ _7\"></span>or decisions to exercise lease renewal or<span class=\"_ gs36\"> </span>termination options, changes in payments due <span class=\"_ _7\"></span>to renegotiations of market rental rates as <span class=\"_ _7\"></span>permitted by those contracts and changes to payments due to <span class=\"_ _7\"></span>rent being contractually linked to an inflation <span class=\"_ _7\"></span>index. In general the re-measurement of a<span class=\"_ gs36\"> </span>lease liability under these circumstances leads <span class=\"_ _7\"></span>to an equal change to the right-of-use <span class=\"_ _7\"></span>asset balance, with no immediate effect on the<span class=\"_ gs36\"> </span>income statement.<span class=\"_ _3eb\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForLeasesExplanatory",
    "language": "en",
    "entity": "scheme:U4LOSYZ7YG4W3S5F2G91",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-640": {
   "value": "<div class=\"t m0 hf ff8 fsb fc2 sc0 lsb ws9 gs67f\">20. Other assets<span class=\"_ _3eb\"> </span></div><div class=\"gs1ee\"><table class=\"s wad1 h277\" id=\"_03100f76-3eef-4289-bb88-7fafc195f679\"><tr><td></td><td class=\"t m0 x1e8 h38 y69a2 ff5 fs17 fc0 sc0 ls21 ws20\">2025<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1e9 h39 y69a2 ff1 fs17 fc3 sc0 ls21 ws20\">2024<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"t m0 x221 h1a y69a3 ff4 fs5 fc3 sc0 ls5 ws5\">Other assets include:<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1eb h38 y69a3 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1ec h2c y69a3 ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"t m0 x221 h1a y69a4 ff4 fs5 fc3 sc0 ls5 ws5\">Financial assets held at amortised cost (Note <span class=\"_ _7\"></span>13):<span class=\"_ _3eb\"> </span></td><td></td><td></td></tr><tr><td class=\"c x40b y69a5 wad2 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Hong Kong SAR Government certificates of indebtedness <span class=\"_ _7\"></span>(Note 23)</div><div class=\"t m0 x1563 h3c y65df ff1 fs1b fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8bd y6573 w2ed h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">6,448<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1564 y6573 w34 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">6,369<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x40b y69a6 wad3 h231\"><div class=\"t m0 x1ed h3b y6600 ff1 fs5 fc3 sc0 ls5 ws0\">Cash collateral</div><div class=\"t m0 x1565 h3c y667e ff1 fs1b fc3 sc0 ls0 ws0\">3<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xeeb y6574 w923 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">12,868<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1566 y6574 w7c9 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">11,046<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x40b y6560 wad4 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Acceptances and endorsements<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1567 y6560 w215 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">6,561<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1568 y6560 wad5 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">5,476<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x40b y6575 wad6 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">Unsettled trades and other financial assets<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1569 y6575 wad7 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">10,893<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x156a y6575 w69 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">11,694<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td class=\"c n xf08 y658d wad8 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">36,770<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x156b y658d wad9 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">34,585<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x221 h1a y69a7 ff4 fs5 fc3 sc0 ls5 ws5\">Non-financial assets:<span class=\"_ _3eb\"> </span></td><td></td><td></td></tr><tr><td class=\"c x40b y69a8 wada h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Commodities and emissions certificates</div><div class=\"t m0 x156c h3c y660d ff1 fs1b fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8bb y6577 wadb h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">30,619<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x156d y6577 wdb h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">8,358<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x40b y6566 wd2 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Other assets<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x156e y6566 w63c h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">542<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x156f y6566 wee h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">525<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td class=\"c n xeeb y6567 wd4 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">67,931<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1570 y6567 wd5 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">43,468<span class=\"_ _3eb\"> </span></div></td></tr></table></div><div class=\"t m0 hb ff1 fs7 fc3 sc0 ls7 ws7 gs680\">1 <span class=\"_ _b\"> </span><span class=\"ff4\">The Hong Kong SAR Government certificates of indebtedness are subordinated to the claims <span class=\"_ _7\"></span>of other parties in respect of bank notes <span class=\"_ _7\"></span>issued.<span class=\"_ _3eb\"> </span></span></div><div class=\"t m0 hb ff1 fs7 fc3 sc0 ls7 ws7 gs681\">2 <span class=\"_ _f\"> </span><span class=\"ff4\">Comprises precious metals and emission certificates, being inventory that is carried at <span class=\"_ _7\"></span>fair value less costs to sell. $25.1 billion <span class=\"_ _7\"></span>is precious metals which are classified </span></div><div class=\"t m0 hb ff4 fs7 fc3 sc0 ls7 ws7 gs682\">as Level 1, the fair value of which <span class=\"_ _7\"></span>being derived from observable spot or short-term futures <span class=\"_ _7\"></span>prices from relevant exchanges (31 December 2024: $5.6 <span class=\"_ _7\"></span>billion). </div><div class=\"t m0 hb ff4 fs7 fc3 sc0 ls7 ws7 gs683\">$5.5 billion is emissions certificates and other commodity <span class=\"_ _7\"></span>related balances classified as Level 2 (31 December <span class=\"_ _7\"></span>2024: $2.7 billion).<span class=\"_ _3eb\"> </span></div><div class=\"t m0 hb ff1 fs7 fc3 sc0 ls7 ws7 gs684\">3 <span class=\"_ _f\"> </span><span class=\"ff4\">Cash collateral are margins placed to collateralise net derivative mark-to-market (MTM) positions.</span></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfOtherAssetsExplanatory",
    "language": "en",
    "entity": "scheme:U4LOSYZ7YG4W3S5F2G91",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-667": {
   "value": "21. Assets held <span class=\"_ _1b\"></span>for sale and associated <span class=\"_ _7\"></span>liabilities<span class=\"_ _3eb\"> </span>Accounting Policy<span class=\"_ _3eb\"> </span>Upon reclassification property, plant and equipment <span class=\"_ _7\"></span>are measured at the lower of their <span class=\"_ _7\"></span>carrying amount and fair value less costs to sell. Financial instruments continue <span class=\"_ _7\"></span>to be measured per the accounting policies <span class=\"_ _7\"></span>in Note 13 Financial instruments.<span class=\"_ _3eb\"> </span>The assets below have been presented as held for sale following the approval of Group management and the transactions are expected to complete in 2026.<span class=\"_ _3eb\"> </span>Assets held for sale<span class=\"_ _3eb\"> </span>The financial assets reported below are <span class=\"_ _7\"></span>classified under Level 1: $74 million (2024: <span class=\"_ _7\"></span>$58 million), Level 2: $178 million (2024:<span class=\"_ gs36\"> </span>$353 million) and Level 3: $790 <span class=\"_ _7\"></span>million (2024: $473 million).<span class=\"_ _3eb\"> </span><table class=\"s wadc h278\" id=\"_e36efb65-f2cf-4828-9664-200c875a5557\"><tr><td></td><td class=\"t m0 x230 h38 y69a9 ff5 fs17 fc0 sc0 ls21 ws20\">2025<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x231 h39 y69a9 ff1 fs17 fc3 sc0 ls21 ws20\">2024<span class=\"_ _3eb\"> </span></td></tr><tr><td></td><td class=\"t m0 x233 h38 y69aa ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x234 h2c y69aa ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c n x1ee y655c wadd h201\"><div class=\"t m0 x1ed h3d y6548 ff5 fs5 fc3 sc0 ls5 ws5\">Financial assets held at fair value through <span class=\"_ _7\"></span>profit or loss<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1571 y655c w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1572 y655c w40 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls0 ws0\">5<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x236 y655d wc8 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Loans and advances to banks<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb4e y655d w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1573 y655d w40 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls0 ws0\">5<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6574 wade h201\"><div class=\"t m0 x1ed h3d y6548 ff5 fs5 fc3 sc0 ls5 ws5\">Financial assets held at amortised cost<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1574 y6574 wadf h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">1,042<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1575 y6574 wae0 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">884<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x236 y6560 wbd h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Cash and balances at central banks<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1576 y6560 w1cf h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1577 y6560 w1e9 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">109<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x236 y6575 wc8 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Loans and advances to banks<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb4e y6575 w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1578 y6575 wa9b h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">18<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x236 y6562 wcb h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Loans and advances to customers<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1579 y6562 wae1 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">1,042<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x157a y6562 w3f2 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">656<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x236 y6610 wae2 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">Debt securities held at amortised cost<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x157b y6610 w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x157c y6610 wae3 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">101<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y69ab wae4 h201\"><div class=\"t m0 x1ed h8 y666e ff5 fs5 fc3 sc0 ls5 ws5\">Property, plant and equipment</div><div class=\"t m0 x157d h93 y666f ff6 fs1b fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x990 y6577 w1e6 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">32<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x157e y6577 w4be h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">15<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6566 wae5 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">Others<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x157f y6566 w3e7 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">25<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1580 y6566 w131 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">28<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td class=\"c n x7d8 y6567 wed h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">1,099<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1581 y6567 wee h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">932<span class=\"_ _3eb\"> </span></div></td></tr></table>1 <span class=\"_ _b\"> </span><span class=\"ff4\">Consideration on disposal of Property, plant and equipment classified under assets held for <span class=\"_ _7\"></span>sale was $128 million (31 December 2024: $53 <span class=\"_ _7\"></span>million).<span class=\"_ _3eb\"> </span></span>Liabilities held for <span class=\"_ _7\"></span>sale<span class=\"_ _3eb\"> </span>The financial liabilities reported below are <span class=\"_ _7\"></span>classified under Level 1: $147 million (2024: <span class=\"_ _7\"></span>$89 million) and Level 2: $761 <span class=\"_ _7\"></span>million (2024:<span class=\"_ gs36\"> </span>$271 million).<span class=\"_ _3eb\"> </span><table class=\"s wae6 h279\" id=\"_cd0d1517-e454-42ec-8291-ee11c7bdc800\"><tr><td></td><td class=\"t m0 x230 h38 y69ac ff5 fs17 fc0 sc0 ls21 ws20\">2025<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x231 h39 y69ac ff1 fs17 fc3 sc0 ls21 ws20\">2024<span class=\"_ _3eb\"> </span></td></tr><tr><td></td><td class=\"t m0 x233 h38 y69ad ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x234 h2c y69ad ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c n x1ee y6575 wae7 h203\"><div class=\"t m0 x1ed h3d y655f ff5 fs5 fc3 sc0 ls5 ws5\">Financial liabilities held at amortised cost<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1582 y6575 w5c5 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">908<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1583 y6575 w5de h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">360<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x236 y658d wf5 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Customer accounts<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1584 y658d w5c5 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">908<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1585 y658d w5de h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">360<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6659 w105 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">Other liabilities<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1586 y6659 w4b0 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">6<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x12aa y6659 w2b4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">16<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6566 w115 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">Provisions for liabilities and charges<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1587 y6566 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1588 y6566 w1df h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls0 ws0\">5<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td class=\"c n x996 y6567 w11e h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">914<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1589 y6567 w288 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">381<span class=\"_ _3eb\"> </span></div></td></tr></table>The amounts included in the tables <span class=\"_ _7\"></span>above include $741 million of assets and <span class=\"_ _7\"></span>$914 million of liabilities forming part <span class=\"_ _7\"></span>of the Botswana, Uganda, Zambia and Sri Lanka <span class=\"_ _7\"></span>WRB businesses transferred to held for sale <span class=\"_ _7\"></span>during the year.",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfNoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSaleExplanatory",
    "language": "en",
    "entity": "scheme:U4LOSYZ7YG4W3S5F2G91",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-641": {
   "value": "21. Assets held <span class=\"_ _1b\"></span>for sale and associated <span class=\"_ _7\"></span>liabilities<span class=\"_ _3eb\"> </span>Accounting Policy<span class=\"_ _3eb\"> </span>Upon reclassification property, plant and equipment <span class=\"_ _7\"></span>are measured at the lower of their <span class=\"_ _7\"></span>carrying amount and fair value less costs to sell. Financial instruments continue <span class=\"_ _7\"></span>to be measured per the accounting policies <span class=\"_ _7\"></span>in Note 13 Financial instruments.<span class=\"_ _3eb\"> </span>The assets below have been presented as held for sale following the approval of Group management and the transactions are expected to complete in 2026.<span class=\"_ _3eb\"> </span>Assets held for sale<span class=\"_ _3eb\"> </span>The financial assets reported below are <span class=\"_ _7\"></span>classified under Level 1: $74 million (2024: <span class=\"_ _7\"></span>$58 million), Level 2: $178 million (2024:<span class=\"_ gs36\"> </span>$353 million) and Level 3: $790 <span class=\"_ _7\"></span>million (2024: $473 million).<span class=\"_ _3eb\"> </span><table class=\"s wadc h278\" id=\"_e36efb65-f2cf-4828-9664-200c875a5557\"><tr><td></td><td class=\"t m0 x230 h38 y69a9 ff5 fs17 fc0 sc0 ls21 ws20\">2025<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x231 h39 y69a9 ff1 fs17 fc3 sc0 ls21 ws20\">2024<span class=\"_ _3eb\"> </span></td></tr><tr><td></td><td class=\"t m0 x233 h38 y69aa ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x234 h2c y69aa ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c n x1ee y655c wadd h201\"><div class=\"t m0 x1ed h3d y6548 ff5 fs5 fc3 sc0 ls5 ws5\">Financial assets held at fair value through <span class=\"_ _7\"></span>profit or loss<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1571 y655c w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1572 y655c w40 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls0 ws0\">5<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x236 y655d wc8 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Loans and advances to banks<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb4e y655d w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1573 y655d w40 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls0 ws0\">5<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6574 wade h201\"><div class=\"t m0 x1ed h3d y6548 ff5 fs5 fc3 sc0 ls5 ws5\">Financial assets held at amortised cost<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1574 y6574 wadf h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">1,042<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1575 y6574 wae0 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">884<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x236 y6560 wbd h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Cash and balances at central banks<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1576 y6560 w1cf h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1577 y6560 w1e9 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">109<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x236 y6575 wc8 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Loans and advances to banks<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb4e y6575 w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1578 y6575 wa9b h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">18<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x236 y6562 wcb h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Loans and advances to customers<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1579 y6562 wae1 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">1,042<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x157a y6562 w3f2 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">656<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x236 y6610 wae2 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">Debt securities held at amortised cost<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x157b y6610 w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x157c y6610 wae3 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">101<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y69ab wae4 h201\"><div class=\"t m0 x1ed h8 y666e ff5 fs5 fc3 sc0 ls5 ws5\">Property, plant and equipment</div><div class=\"t m0 x157d h93 y666f ff6 fs1b fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x990 y6577 w1e6 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">32<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x157e y6577 w4be h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">15<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6566 wae5 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">Others<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x157f y6566 w3e7 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">25<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1580 y6566 w131 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">28<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td class=\"c n x7d8 y6567 wed h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">1,099<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1581 y6567 wee h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">932<span class=\"_ _3eb\"> </span></div></td></tr></table>1 <span class=\"_ _b\"> </span><span class=\"ff4\">Consideration on disposal of Property, plant and equipment classified under assets held for <span class=\"_ _7\"></span>sale was $128 million (31 December 2024: $53 <span class=\"_ _7\"></span>million).<span class=\"_ _3eb\"> </span></span>Liabilities held for <span class=\"_ _7\"></span>sale<span class=\"_ _3eb\"> </span>The financial liabilities reported below are <span class=\"_ _7\"></span>classified under Level 1: $147 million (2024: <span class=\"_ _7\"></span>$89 million) and Level 2: $761 <span class=\"_ _7\"></span>million (2024:<span class=\"_ gs36\"> </span>$271 million).<span class=\"_ _3eb\"> </span><table class=\"s wae6 h279\" id=\"_cd0d1517-e454-42ec-8291-ee11c7bdc800\"><tr><td></td><td class=\"t m0 x230 h38 y69ac ff5 fs17 fc0 sc0 ls21 ws20\">2025<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x231 h39 y69ac ff1 fs17 fc3 sc0 ls21 ws20\">2024<span class=\"_ _3eb\"> </span></td></tr><tr><td></td><td class=\"t m0 x233 h38 y69ad ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x234 h2c y69ad ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c n x1ee y6575 wae7 h203\"><div class=\"t m0 x1ed h3d y655f ff5 fs5 fc3 sc0 ls5 ws5\">Financial liabilities held at amortised cost<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1582 y6575 w5c5 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">908<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1583 y6575 w5de h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">360<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x236 y658d wf5 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Customer accounts<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1584 y658d w5c5 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">908<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1585 y658d w5de h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">360<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6659 w105 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">Other liabilities<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1586 y6659 w4b0 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">6<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x12aa y6659 w2b4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">16<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6566 w115 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">Provisions for liabilities and charges<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1587 y6566 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1588 y6566 w1df h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls0 ws0\">5<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td class=\"c n x996 y6567 w11e h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">914<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1589 y6567 w288 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">381<span class=\"_ _3eb\"> </span></div></td></tr></table>The amounts included in the tables <span class=\"_ _7\"></span>above include $741 million of assets and <span class=\"_ _7\"></span>$914 million of liabilities forming part <span class=\"_ _7\"></span>of the Botswana, Uganda, Zambia and Sri Lanka <span class=\"_ _7\"></span>WRB businesses transferred to held for sale <span class=\"_ _7\"></span>during the year.",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfNoncurrentAssetsHeldForSaleAndDiscontinuedOperationsExplanatory",
    "language": "en",
    "entity": "scheme:U4LOSYZ7YG4W3S5F2G91",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-735": {
   "value": "Accounting Policy<span class=\"_ _3eb\"> </span>Upon reclassification property, plant and equipment <span class=\"_ _7\"></span>are measured at the lower of their <span class=\"_ _7\"></span>carrying amount and fair value less costs to sell. Financial instruments continue <span class=\"_ _7\"></span>to be measured per the accounting policies <span class=\"_ _7\"></span>in Note 13 Financial instruments.<span class=\"_ _3eb\"> </span>The assets below have been presented as held for sale following the approval of Group management and the transactions are expected to complete in 2026.<span class=\"_ _3eb\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForNoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSaleAndDiscontinuedOperationsExplanatory",
    "language": "en",
    "entity": "scheme:U4LOSYZ7YG4W3S5F2G91",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-716": {
   "value": "Accounting Policy<span class=\"_ _3eb\"> </span>Upon reclassification property, plant and equipment <span class=\"_ _7\"></span>are measured at the lower of their <span class=\"_ _7\"></span>carrying amount and fair value less costs to sell. Financial instruments continue <span class=\"_ _7\"></span>to be measured per the accounting policies <span class=\"_ _7\"></span>in Note 13 Financial instruments.<span class=\"_ _3eb\"> </span>The assets below have been presented as held for sale following the approval of Group management and the transactions are expected to complete in 2026.<span class=\"_ _3eb\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForNoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSaleExplanatory",
    "language": "en",
    "entity": "scheme:U4LOSYZ7YG4W3S5F2G91",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-668": {
   "value": "22. Debt securities <span class=\"_ _1b\"></span>in issue<span class=\"_ _3eb\"> </span>Accounting policy<span class=\"_ _3eb\"> </span>Refer to Note 13 Financial instruments <span class=\"_ _7\"></span>for the relevant accounting policy.<span class=\"_ _3eb\"> </span><table class=\"s wae8 h27a\" id=\"_7ff62e85-ec35-4ef8-a105-2d72e5e5b18e\"><tr><td></td><td></td><td class=\"c n x113c y69ae w306 h215\"><div class=\"t m0 x1ed h38 y6563 ff5 fs17 fc0 sc0 ls21 ws20\">2025<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td class=\"c n x113d y69ae w46b h205\"><div class=\"t m0 x1ed h38 y6563 ff1 fs17 fc3 sc0 ls21 ws20\">2024<span class=\"_ _3eb\"> </span></div></td><td></td></tr><tr><td></td><td class=\"t m0 xf43 h38 y69af ff5 fs17 fc0 sc0 ls21 ws20\">Certificates of<span class=\"_ _3eb\"> </span></td><td></td><td></td><td class=\"t m0 x12cd h2c y69af ff4 fs17 fc3 sc0 ls21 ws20\">Certificates of<span class=\"_ _3eb\"> </span></td><td></td><td></td></tr><tr><td></td><td class=\"t m0 xde8 h38 y69b0 ff5 fs17 fc0 sc0 ls21 ws20\">deposit of<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x158a h38 y69b0 ff5 fs17 fc0 sc0 ls21 ws20\">Other debt<span class=\"_ _3eb\"> </span></td><td></td><td class=\"t m0 x158b h39 y69b0 ff1 fs17 fc3 sc0 ls21 ws0\">deposit of<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x158c h39 y69b0 ff1 fs17 fc3 sc0 ls21 ws0\">Other debt<span class=\"_ _3eb\"> </span></td><td></td></tr><tr><td></td><td class=\"t m0 xd2d h38 y69b1 ff5 fs17 fc0 sc0 ls21 ws20\">$100,000<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x158d h38 y69b1 ff5 fs17 fc0 sc0 ls21 ws20\">securities<span class=\"_ _3eb\"> </span></td><td></td><td class=\"t m0 xf49 h2c y69b1 ff4 fs17 fc3 sc0 ls21 ws20\">$100,000<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xb9e h2c y69b1 ff4 fs17 fc3 sc0 ls21 ws20\">securities<span class=\"_ _3eb\"> </span></td><td></td></tr><tr><td></td><td class=\"t m0 x8f9 h38 y69b2 ff5 fs17 fc0 sc0 ls21 ws20\">or more<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x158e h38 y69b2 ff2 fs17 fc0 sc0 ls21 ws0\">in issue<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x11c5 h38 y69b2 ff5 fs17 fc0 sc0 ls21 ws20\">Total<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x405 h39 y69b2 ff1 fs17 fc3 sc0 ls21 ws0\">or more<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x158f h39 y69b2 ff1 fs17 fc3 sc0 ls21 ws0\">in issue<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x60a h39 y69b2 ff1 fs17 fc3 sc0 ls21 ws20\">Total<span class=\"_ _3eb\"> </span></td></tr><tr><td></td><td class=\"t m0 x8f9 h38 y69b3 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x8bc h38 y69b3 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x404 h38 y69b3 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x405 h2c y69b3 ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x8fa h2c y69b3 ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1ec h2c y69b3 ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c n x1ee y68ab w101 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">Debt securities in issue<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x126c y68ab wae9 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">21,876<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1590 y68ab waea h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">50,982<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1591 y68ab w103 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">72,858<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1592 y68ab w9f5 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">18,113<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1593 y68ab waeb h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">46,496<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1594 y68ab w104 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">64,609<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x221 h1a y69b4 ff4 fs5 fc3 sc0 ls5 ws5\">Debt securities in issue included within:<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1ee y6566 waec h216\"><div class=\"t m0 x1ed h1a y65db ff4 fs5 fc3 sc0 ls5 ws5\">Financial liabilities held at fair value<span class=\"_ _3eb\"> </span></div><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">through profit or loss (Note13)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1595 y6566 w2bc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1596 y6566 w5b4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">16,009<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1597 y6566 w5b4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">16,009<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1598 y6566 w1cf h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1599 y6566 waed h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">13,731<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x159a y6566 w5d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">13,731<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6567 waee h201\"><div class=\"t m0 x1ed h3d y6548 ff5 fs5 fc3 sc0 ls5 ws5\">Total debt securities in issue<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x159b y6567 wae9 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">21,876<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x159c y6567 w32f h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">66,991<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x159d y6567 waef h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">88,867<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x159e y6567 w9f5 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">18,113<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x159f y6567 waf0 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">60,227<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15a0 y6567 waf1 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">78,340<span class=\"_ _3eb\"> </span></div></td></tr></table>In 2025, the Company issued a <span class=\"_ _7\"></span>total of $7.9 billion senior notes for <span class=\"_ _7\"></span>general business purposes of the Group <span class=\"_ _7\"></span>as shown below: <table class=\"s waf2 h27b\" id=\"_7beaa539-21ea-46d1-b6c3-1383c7238d9f\"><tr><td class=\"c n x1ee y69b5 waf3 h201\"><div class=\"t m0 x1ed h8 y666e ff5 fs5 fc3 sc0 ls5 ws5\">Securities<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15a1 y69b6 w173 h215\"><div class=\"t m0 x1ed h8 y65c7 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y69b7 waf4 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">$1,000 million fixed rate senior notes due <span class=\"_ _7\"></span>2029 (callable 2028)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15a2 y69b7 w5ce h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">1,000<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y69b8 waf5 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">$1,000 million fixed rate senior notes due <span class=\"_ _7\"></span>2036 (callable 2035)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15a3 y69b8 w5ce h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">1,000<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y69b9 waf6 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">$500 million floating rate senior notes due <span class=\"_ _7\"></span>2029 (callable 2028)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15a4 y69b9 waf7 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">500<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y69ba waf8 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">HKD 1,250 million fixed rate senior notes <span class=\"_ _7\"></span>due 2029 (callable 2028)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15a5 y69ba wa66 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">161<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y69bb waf9 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">EUR 1,000 million fixed rate senior notes <span class=\"_ _7\"></span>due 2033 (callable 2032)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15a6 y69bb w32d h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">1,174<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y69bc wafa h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">$1,000 million fixed rate senior notes due <span class=\"_ _7\"></span>2031 (callable 2030)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15a7 y69bc w5ce h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">1,000<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y69bd wafb h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">$750 million floating rate senior notes due <span class=\"_ _7\"></span>2031 (callable 2030)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15a8 y69bd w137 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">750<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y69be wafc h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">$2,000 million fixed rate senior notes due <span class=\"_ _7\"></span>2036 (callable 2035)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15a9 y69be w785 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">2,000<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y69bf wafd h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">HKD 1,500 million fixed rate senior notes <span class=\"_ _7\"></span>due 2029 (callable 2028)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15aa y69bf w15f h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">193<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x15ab y69c0 wafe h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">$50 million fixed rate senior notes <span class=\"_ _7\"></span>due 2029 (callable 2028)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15ac y69c0 w38e h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">50<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x15ab y69c1 waff h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">CNY 500 million fixed rate senior <span class=\"_ _7\"></span>notes due 2030 (callable 2029)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15ad y69c1 w7be h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">70<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x15ab y6566 wb00 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">CNY 400 million fixed rate senior <span class=\"_ _7\"></span>notes due 2030 (callable 2029)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15ae y6566 w205 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">56<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6567 wb01 h203\"><div class=\"t m0 x1ed h3d y655f ff5 fs5 fc3 sc0 ls5 ws5\">Total Senior Notes issued<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15af y6567 w184 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">7,954<span class=\"_ _3eb\"> </span></div></td></tr></table>In 2024, the Company issued a <span class=\"_ _7\"></span>total of $7.4 billion senior notes for <span class=\"_ _7\"></span>general business purposes of the Group <span class=\"_ _7\"></span>as shown below:<span class=\"_ _3eb\"> </span><table class=\"s wb02 h27c\" id=\"_92cf9e15-ee47-4bc5-9354-5dc72ca563fb\"><tr><td class=\"c n x1ee y69c2 waf3 h203\"><div class=\"t m0 x1ed h8 y666e ff5 fs5 fc3 sc0 ls5 ws5\">Securities<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15b0 y69c3 wb03 h204\"><div class=\"t m0 x1ed h8 y6696 ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y69c4 wb04 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">$1,500 million fixed-rate senior notes due 2035 <span class=\"_ _7\"></span>(callable 2034)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15b1 y69c4 wb05 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">1,500<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y69c5 wb06 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">SGD 335 million fixed-rate senior notes due <span class=\"_ _7\"></span>2030 (callable 2029)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2ab y69c5 w3db h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">246<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y69c6 wb07 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">EUR 1,000 million fixed-rate senior notes due <span class=\"_ _7\"></span>2032 (callable 2031)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15b2 y69c6 w952 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">1,035<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6575 wb08 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">HKD 1,100 million fixed-rate senior notes due <span class=\"_ _7\"></span>2027 (callable 2026)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15b3 y6575 w8ca h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">142<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y658d wb09 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">$500 million floating-rate senior notes due 2028 <span class=\"_ _7\"></span>(callable 2027)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15b4 y658d wb0a h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">500<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y658e wb0b h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">$1,000 million fixed-rate senior notes due 2028 <span class=\"_ _7\"></span>(callable 2027)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15b5 y658e w49a h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">1,000<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6659 wb04 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">$1,500 million fixed-rate senior notes due 2035 <span class=\"_ _7\"></span>(callable 2034)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15b1 y6659 wb05 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">1,500<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6566 wb0c h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">$1,500 million fixed-rate senior notes due 2030 <span class=\"_ _7\"></span>(callable 2029)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15b1 y6566 wb05 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">1,500<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6567 wb01 h203\"><div class=\"t m0 x1ed h1a y65de ff5 fs5 fc3 sc0 ls5 ws5\">Total Senior Notes issued<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15b6 y6567 wb7 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">7,423</div></td></tr></table>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfDebtSecuritiesExplanatory",
    "language": "en",
    "entity": "scheme:U4LOSYZ7YG4W3S5F2G91",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-717": {
   "value": "Accounting policy<span class=\"_ _3eb\"> </span>Refer to Note 13 Financial instruments <span class=\"_ _7\"></span>for the relevant accounting policy.<span class=\"_ _3eb\"> </span>",
   "dimensions": {
    "concept": "standardcharteredplc:DescriptionOfAccountingPolicyForDebtSecuritiesInIssue",
    "language": "en",
    "entity": "scheme:U4LOSYZ7YG4W3S5F2G91",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-642": {
   "value": "23. Other liabilities<span class=\"_ _3eb\"> </span>Accounting policy<span class=\"_ _3eb\"> </span>Refer to Note 13 Financial instruments <span class=\"_ _7\"></span>for the relevant accounting policy for financial <span class=\"_ _7\"></span>liabilities, Note 19 Leased assets for<span class=\"_ gs36\"> </span>the<span class=\"_ gs36\"> </span>accounting policy for leases, and Note <span class=\"_ _7\"></span>31 Share-based payments for the accounting policy <span class=\"_ _7\"></span>for cash-settled <span class=\"ff1 ls0 ws0\"> </span>share-based<span class=\"_ gs36\"> </span>payments.<span class=\"_ _3eb\"> </span><table class=\"s wb0d h27d\" id=\"_2afe35a4-48ad-427c-b2b2-9b951b17a74d\"><tr><td></td><td class=\"t m0 x230 h38 y69c7 ff5 fs17 fc0 sc0 ls21 ws20\">2025<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x231 h39 y69c7 ff1 fs17 fc3 sc0 ls21 ws20\">2024<span class=\"_ _3eb\"> </span></td></tr><tr><td></td><td class=\"t m0 x233 h38 y69c8 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x234 h2c y69c8 ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"t m0 x235 h8 y69c9 ff5 fs5 fc3 sc0 ls5 ws5\">Financial liabilities held at amortised cost (Note <span class=\"_ _7\"></span>13)<span class=\"_ _3eb\"> </span></td><td></td><td></td></tr><tr><td class=\"c x236 y69ca wb0e h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Notes in circulation</div><div class=\"t m0 x15b7 h3c y65df ff1 fs1b fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1531 y69cb w2ed h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">6,448<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15b8 y69cb w34 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">6,369<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x236 y69cc wad4 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Acceptances and endorsements<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15b9 y69cc w9db h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">6,567<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15ba y69cc w3af h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">5,476<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x236 y69cd wb0f h220\"><div class=\"t m0 x1ed h3b y6600 ff1 fs5 fc3 sc0 ls5 ws0\">Cash collateral</div><div class=\"t m0 x15bb h3c y6601 ff1 fs1b fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15bc y6573 wb10 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">14,168<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15bd y6573 wb11 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">15,005<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x236 y6574 wb12 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Property leases<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15be y6574 w125 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">1,097<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15bf y6574 w1f4 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">1,041<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x236 y6560 wb13 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Equipment leases<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15c0 y6560 w14a h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">121<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15c1 y6560 w4e0 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">115<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x236 y6575 wb14 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">Unsettled trades and other financial liabilities<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15c2 y6575 wb15 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">17,387<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15c3 y6575 wb16 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">16,041<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td class=\"c n x14d7 y658d w5c0 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">45,788<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15c4 y658d w5dc h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">44,047<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x235 h8 y69ce ff5 fs5 fc3 sc0 ls5 ws5\">Non-financial liabilities<span class=\"_ _3eb\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x236 y6659 wb17 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Cash-settled share-based payments<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7e7 y6659 wb18 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">247<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15c5 y6659 w46f h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">131<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x236 y6826 w105 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">Other liabilities<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15c6 y6826 wb19 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">620<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15c7 y6826 w4fd h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">503<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td class=\"c n x14d7 y6567 w106 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">46,655<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15c8 y6567 wa2b h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">44,681<span class=\"_ _3eb\"> </span></div></td></tr></table>1 <span class=\"_ _b\"> </span><span class=\"ff4\">Hong Kong currency notes in circulation of $6,448 million (31 December 2024: $6,369 <span class=\"_ _7\"></span>million) that are secured by the Government of <span class=\"_ _7\"></span>Hong Kong SAR certificates </span>of<span class=\"_ gs1a2\"> </span>indebtedness of the same amount included in other <span class=\"_ _7\"></span>assets (Note 20).<span class=\"_ _3eb\"> </span>2 <span class=\"_ _f\"> </span><span class=\"ff4\">Cash collateral are margins received against collateralise net derivative mark-to-market positions.</span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfOtherLiabilitiesExplanatory",
    "language": "en",
    "entity": "scheme:U4LOSYZ7YG4W3S5F2G91",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-718": {
   "value": "Accounting policy<span class=\"_ _3eb\"> </span>Refer to Note 13 Financial instruments <span class=\"_ _7\"></span>for the relevant accounting policy for financial <span class=\"_ _7\"></span>liabilities, Note 19 Leased assets for<span class=\"_ gs36\"> </span>the<span class=\"_ gs36\"> </span>accounting policy for leases, and Note <span class=\"_ _7\"></span>31 Share-based payments for the accounting policy <span class=\"_ _7\"></span>for cash-settled <span class=\"ff1 ls0 ws0\"> </span>share-based<span class=\"_ gs36\"> </span>payments.<span class=\"_ _3eb\"> </span>",
   "dimensions": {
    "concept": "standardcharteredplc:DescriptionOfAccountingPolicyForOtherLiabilities",
    "language": "en",
    "entity": "scheme:U4LOSYZ7YG4W3S5F2G91",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-669": {
   "value": "24. Provisions for <span class=\"_ _1b\"></span>liabilities and charges<span class=\"_ _3eb\"> </span>Accounting policy<span class=\"_ _3eb\"> </span>The recognition and measurement of provisions <span class=\"_ _7\"></span>for liabilities and charges requires significant judgement <span class=\"_ _7\"></span>and the use of<span class=\"_ gs36\"> </span>estimates about uncertain future conditions or <span class=\"_ _7\"></span>events. Estimates include the best estimate of <span class=\"_ _7\"></span>the probability of outflow of economic resources, <span class=\"_ _7\"></span>cost of settling a provision and timing of settlement. Judgement is required <span class=\"_ _7\"></span>to assess inherently uncertain areas such as <span class=\"_ _7\"></span>the anticipated outcome and financial impact of legal claims and <span class=\"_ _7\"></span>regulatory and enforcement investigations and proceedings.<span class=\"_ _3eb\"> </span><table class=\"s wb1a h27e\" id=\"_d230a4c1-78f3-4cf4-ab5e-b7b7d5e6d959\"><tr><td></td><td></td><td class=\"c n x86a y69cf w306 h204\"><div class=\"t m0 x1ed h38 y6563 ff5 fs17 fc0 sc0 ls21 ws20\">2025<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td class=\"c n x86b y69cf w46b h205\"><div class=\"t m0 x1ed h38 y6563 ff1 fs17 fc3 sc0 ls21 ws20\">2024<span class=\"_ _3eb\"> </span></div></td><td></td></tr><tr><td></td><td class=\"t m0 x1052 h38 y69d0 ff5 fs17 fc0 sc0 ls21 ws20\">Provision </td><td></td><td></td><td class=\"t m0 x118c h2c y69d0 ff4 fs17 fc3 sc0 ls21 ws20\">Provision </td><td></td><td></td></tr><tr><td></td><td class=\"t m0 x15c9 h38 y69d1 ff5 fs17 fc0 sc0 ls21 ws20\">for credit<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x12e4 h38 y69d1 ff5 fs17 fc0 sc0 ls21 ws20\">Other<span class=\"_ _3eb\"> </span></td><td></td><td class=\"t m0 x1053 h39 y69d1 ff1 fs17 fc3 sc0 ls21 ws0\">for credit<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x2dc h39 y69d1 ff1 fs17 fc3 sc0 ls21 ws20\">Other </td><td></td></tr><tr><td></td><td class=\"c x15ca y69d2 wb1b h21b\"><div class=\"t m0 x1ed h38 y6563 ff5 fs17 fc0 sc0 ls21 ws20\">commitments</div><div class=\"t m0 x1086 ha7 y65fd ff5 fs19 fc0 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c x13e8 y69d2 wb1c h21b\"><div class=\"t m0 x1ed h38 y6563 ff5 fs17 fc0 sc0 ls21 ws20\">provisions</div><div class=\"t m0 x15cb ha7 y65fd ff5 fs19 fc0 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x86e h38 y69d3 ff5 fs17 fc0 sc0 ls21 ws20\">Total<span class=\"_ _3eb\"> </span></td><td class=\"c x15cd y69d4 wb1d h223\"><div class=\"t m0 x1ed h39 y6632 ff1 fs17 fc3 sc0 ls21 ws0\">commitments</div><div class=\"t m0 x15cc h3a y6633 ff1 fs19 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c x15cf y69d6 wb1e h204\"><div class=\"t m0 x1ed h2c y6696 ff4 fs17 fc3 sc0 ls21 ws20\">provisions</div><div class=\"t m0 x15ce h3a y69d5 ff1 fs19 fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x6cb h39 y69d3 ff1 fs17 fc3 sc0 ls21 ws20\">Total<span class=\"_ _3eb\"> </span></td></tr><tr><td></td><td class=\"t m0 x2f7 h38 y69d7 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x2c9 h38 y69d7 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x4be h38 y69d7 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x2fa h2c y69d7 ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x233 h2c y69d7 ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x234 h2c y69d7 ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c n x1ee y6561 wa4e h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">At 1 January<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15d0 y6561 wa6f h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">255<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x878 y6561 w7be h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">94<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15d1 y6561 we7 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">349<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15d2 y6561 wb1f h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">227<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15d3 y6561 wb20 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">72<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15d4 y6561 w395 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">299<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6562 wa52 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Exchange translation differences<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15d5 y6562 w4a5 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(7)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15d6 y6562 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15d7 y6562 w4a5 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(7)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15d8 y6562 w6c h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">10<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15d9 y6562 w4db h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(5)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15da y6562 w40 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls0 ws0\">5<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6610 wb21 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(Release)/charge against profit<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15db y6610 w255 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(24)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15dc y6610 w314 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">130<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15dd y6610 wb22 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">106<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x283 y6610 we3 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">18<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15de y6610 w4f5 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">136<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15df y6610 w3de h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">154<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6577 wb23 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">Provisions utilised<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15e0 y6577 w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15e1 y6577 wb24 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(47)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15e2 y6577 wb25 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(47)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15e3 y6577 w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15e4 y6577 w4df h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(121)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15e5 y6577 w4df h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(121)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y665a waab h231\"><div class=\"t m0 x1ed h3b y6600 ff1 fs5 fc3 sc0 ls5 ws0\">Other movements</div><div class=\"t m0 x4c3 h3c y667e ff1 fs1b fc3 sc0 ls0 ws0\">3<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15e6 y6566 w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15e7 y6566 w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15e8 y6566 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15e9 y6566 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15ea y6566 w11d h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">12<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15eb y6566 w7c h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">12<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6567 wb26 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">At 31 December<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15ec y6567 wb27 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">224<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf96 y6567 w4a6 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">177<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11e5 y6567 w37d h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">401<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15ed y6567 wb28 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">255<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15ee y6567 w475 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">94<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15ef y6567 w118 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">349<span class=\"_ _3eb\"> </span></div></td></tr></table>1 <span class=\"_ _b\"> </span><span class=\"ff4\">Expected credit loss for credit commitment comprises those undrawn contractually committed facilities where <span class=\"_ _7\"></span>there is doubt as to the borrowers\u2019 ability <span class=\"_ _7\"></span>to meet </span>their repayment obligations.<span class=\"_ _3eb\"> </span>2 <span class=\"_ _f\"> </span><span class=\"ff4\">Other provisions consist mainly of provisions for legal claims and regulatory and <span class=\"_ _7\"></span>enforcement investigations and proceedings; including provision for Korea </span>equity-linked securities (ELS) portfolio. While a provision has <span class=\"_ _7\"></span>been made in relation to the Korea ELS <span class=\"_ _7\"></span>matter, a description of the matter is contained <span class=\"_ _7\"></span>in note 26.<span class=\"_ _3eb\"> </span>3 <span class=\"_ _f\"> </span><span class=\"ff4\">Includes the provisions transferred to held for sale.<span class=\"_ _3eb\"> </span></span>25. Contingent liabilities <span class=\"_ _1b\"></span>and commitments<span class=\"_ _3eb\"> </span>Accounting policy<span class=\"_ _3eb\"> </span>Financial guarantee contracts and loan commitments<span class=\"_ _3eb\"> </span>Financial guarantee contracts and any loan <span class=\"_ _7\"></span>commitments issued at below-market interest rates are <span class=\"_ _7\"></span>initially recognised at their fair value as a financial <span class=\"_ _7\"></span>liability, and subsequently measured at the higher <span class=\"_ _7\"></span>of the initial value less the <span class=\"_ _7\"></span>cumulative amount of income recognised and their expected <span class=\"_ _7\"></span>credit loss provision. Loan commitments may be <span class=\"_ _7\"></span>designated at fair value through profit or loss where that is <span class=\"_ _7\"></span>the business model under which such contracts <span class=\"_ _7\"></span>are held. Notional values of financial <span class=\"_ _7\"></span>guarantee contracts and loan commitments are disclosed <span class=\"_ _7\"></span>in the table below. Financial guarantees, trade credits and irrevocable <span class=\"_ _7\"></span>letters of credit are the notional values <span class=\"_ _7\"></span>of contracts issued by the Group\u2019s Transaction Banking business for which an <span class=\"_ _7\"></span>obligation to make a payment has not <span class=\"_ _7\"></span>arisen at the reporting date. Transaction Banking will issue contracts to clients and counterparties of clients, whereby in the event the holder of the contract is not paid, the Group will reimburse the <span class=\"_ _7\"></span>holder of the contract for the actual <span class=\"_ _7\"></span>financial loss suffered. These contracts have <span class=\"_ _7\"></span>various legal forms such as letters of <span class=\"_ _7\"></span>credit, guarantee contracts and performance bonds. The <span class=\"_ _7\"></span>contracts are issued to facilitate trade<span class=\"_ gs36\"> </span>through export and import business and <span class=\"_ _7\"></span>provide guarantees to financial institutions where the <span class=\"_ _7\"></span>Group has a local presence, as<span class=\"_ gs36\"> </span>well as guaranteeing project financing <span class=\"_ _7\"></span>involving large construction projects undertaken by sovereigns <span class=\"_ _7\"></span>and corporates. The<span class=\"_ gs36\"> </span>contracts may contain performance clauses <span class=\"_ _7\"></span>which require the counterparty performing services or <span class=\"_ _7\"></span>providing goods to<span class=\"_ gs36\"> </span>meet certain conditions before a <span class=\"_ _7\"></span>right to payment is achieved, however the <span class=\"_ _7\"></span>Group does not guarantee this performance. The<span class=\"_ gs36\"> </span>Group will only guarantee the <span class=\"_ _7\"></span>credit of the counterparty paying for the <span class=\"_ _7\"></span>services or goods.<span class=\"_ _3eb\"> </span>Commitments are where the Group has <span class=\"_ _7\"></span>confirmed its intention to provide funds to <span class=\"_ _7\"></span>a customer or on behalf of <span class=\"_ _7\"></span>a customer under pre-specified terms and conditions in <span class=\"_ _7\"></span>the form of loans, overdrafts or future <span class=\"_ _7\"></span>guarantees whether cancellable or not and the Group has not made <span class=\"_ _7\"></span>payments at the balance sheet date; those <span class=\"_ _7\"></span>instruments are included in these financial statements as commitments. Some of these <span class=\"_ _7\"></span>commitments are considered on demand as the <span class=\"_ _7\"></span>Group may have to honour them, or the client may draw <span class=\"_ _7\"></span>down at any time.<span class=\"_ _3eb\"> </span>Capital commitments are contractual commitments the <span class=\"_ _7\"></span>Group has entered into to purchase non-financial <span class=\"_ _7\"></span>assets.<span class=\"_ _3eb\"> </span>The table below shows the contract <span class=\"_ _7\"></span>or underlying principal amounts of unmatured off-balance <span class=\"_ _7\"></span>sheet transactions at the balance sheet date. The contract or <span class=\"_ _7\"></span>underlying principal amounts indicate the volume of <span class=\"_ _7\"></span>business outstanding and do not represent amounts at risk.<span class=\"_ _3eb\"> </span><table class=\"s wb29 h27f\" id=\"_daa46862-4920-4179-9050-95a6b260024a\"><tr><td></td><td class=\"t m0 x1e8 h38 y69d8 ff5 fs17 fc0 sc0 ls21 ws20\">2025<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1e9 h39 y69d8 ff1 fs17 fc3 sc0 ls21 ws20\">2024<span class=\"_ _3eb\"> </span></td></tr><tr><td></td><td class=\"t m0 x1eb h38 y69d9 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1ec h2c y69d9 ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"t m0 x221 h8 y69da ff5 fs5 fc3 sc0 ls5 ws5\">Financial guarantees and other contingent liabilities<span class=\"_ _3eb\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x1ee y655d wb2a h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">Financial guarantees, trade and irrevocable letters of <span class=\"_ _7\"></span>credit<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15f0 y655d wb2b h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">114,193<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15f1 y655d wb2c h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">90,632<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td class=\"c n xf08 y6573 wb2b h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">114,193<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15f2 y6573 wd5 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">90,632<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x221 h8 y69db ff5 fs5 fc3 sc0 ls5 ws5\">Commitments<span class=\"_ _3eb\"> </span></td><td></td><td></td></tr><tr><td class=\"t m0 x221 h1a y69dc ff4 fs5 fc3 sc0 ls5 ws5\">Undrawn formal standby facilities, credit lines and <span class=\"_ _7\"></span>other commitments to lend<span class=\"_ _3eb\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x40b y6561 wb2d h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">One year and over<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15f3 y6561 wb2e h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">89,147<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15f4 y6561 wb2f h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">76,915<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x40b y6562 wb30 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Less than one year<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15f5 y6562 wb31 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">31,922<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15f6 y6562 wb32 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">29,249<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x40b y6610 wb33 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">Unconditionally cancellable<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15f7 y6610 wb34 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">78,176<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15f8 y6610 wb35 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">76,365<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td class=\"c n x15f9 y6577 wb36 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">199,245<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15fa y6577 wb37 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">182,529<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x221 h8 y69dd ff5 fs5 fc3 sc0 ls5 ws5\">Capital Commitments<span class=\"_ _3eb\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x1ee y6567 wb38 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Contracted capital expenditure approved by the directors but not provided for in these accounts<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15fb y6567 w66 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">62<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15fc y6567 w39f h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">123<span class=\"_ _3eb\"> </span></div></td></tr></table>As set out in Note 26, <span class=\"_ _7\"></span>the Group has contingent liabilities in respect <span class=\"_ _7\"></span>of certain legal and regulatory matters. <span class=\"_ _7\"></span>Note 26 also describes a matter relating to equity <span class=\"_ _7\"></span>linked securities sold by Standard Chartered Bank <span class=\"_ _7\"></span>Korea, for which the Group has recognised a provision. ",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfOtherProvisionsContingentLiabilitiesAndContingentAssetsExplanatory",
    "language": "en",
    "entity": "scheme:U4LOSYZ7YG4W3S5F2G91",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-643": {
   "value": "24. Provisions for <span class=\"_ _1b\"></span>liabilities and charges<span class=\"_ _3eb\"> </span>Accounting policy<span class=\"_ _3eb\"> </span>The recognition and measurement of provisions <span class=\"_ _7\"></span>for liabilities and charges requires significant judgement <span class=\"_ _7\"></span>and the use of<span class=\"_ gs36\"> </span>estimates about uncertain future conditions or <span class=\"_ _7\"></span>events. Estimates include the best estimate of <span class=\"_ _7\"></span>the probability of outflow of economic resources, <span class=\"_ _7\"></span>cost of settling a provision and timing of settlement. Judgement is required <span class=\"_ _7\"></span>to assess inherently uncertain areas such as <span class=\"_ _7\"></span>the anticipated outcome and financial impact of legal claims and <span class=\"_ _7\"></span>regulatory and enforcement investigations and proceedings.<span class=\"_ _3eb\"> </span><table class=\"s wb1a h27e\" id=\"_d230a4c1-78f3-4cf4-ab5e-b7b7d5e6d959\"><tr><td></td><td></td><td class=\"c n x86a y69cf w306 h204\"><div class=\"t m0 x1ed h38 y6563 ff5 fs17 fc0 sc0 ls21 ws20\">2025<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td class=\"c n x86b y69cf w46b h205\"><div class=\"t m0 x1ed h38 y6563 ff1 fs17 fc3 sc0 ls21 ws20\">2024<span class=\"_ _3eb\"> </span></div></td><td></td></tr><tr><td></td><td class=\"t m0 x1052 h38 y69d0 ff5 fs17 fc0 sc0 ls21 ws20\">Provision </td><td></td><td></td><td class=\"t m0 x118c h2c y69d0 ff4 fs17 fc3 sc0 ls21 ws20\">Provision </td><td></td><td></td></tr><tr><td></td><td class=\"t m0 x15c9 h38 y69d1 ff5 fs17 fc0 sc0 ls21 ws20\">for credit<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x12e4 h38 y69d1 ff5 fs17 fc0 sc0 ls21 ws20\">Other<span class=\"_ _3eb\"> </span></td><td></td><td class=\"t m0 x1053 h39 y69d1 ff1 fs17 fc3 sc0 ls21 ws0\">for credit<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x2dc h39 y69d1 ff1 fs17 fc3 sc0 ls21 ws20\">Other </td><td></td></tr><tr><td></td><td class=\"c x15ca y69d2 wb1b h21b\"><div class=\"t m0 x1ed h38 y6563 ff5 fs17 fc0 sc0 ls21 ws20\">commitments</div><div class=\"t m0 x1086 ha7 y65fd ff5 fs19 fc0 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c x13e8 y69d2 wb1c h21b\"><div class=\"t m0 x1ed h38 y6563 ff5 fs17 fc0 sc0 ls21 ws20\">provisions</div><div class=\"t m0 x15cb ha7 y65fd ff5 fs19 fc0 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x86e h38 y69d3 ff5 fs17 fc0 sc0 ls21 ws20\">Total<span class=\"_ _3eb\"> </span></td><td class=\"c x15cd y69d4 wb1d h223\"><div class=\"t m0 x1ed h39 y6632 ff1 fs17 fc3 sc0 ls21 ws0\">commitments</div><div class=\"t m0 x15cc h3a y6633 ff1 fs19 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c x15cf y69d6 wb1e h204\"><div class=\"t m0 x1ed h2c y6696 ff4 fs17 fc3 sc0 ls21 ws20\">provisions</div><div class=\"t m0 x15ce h3a y69d5 ff1 fs19 fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x6cb h39 y69d3 ff1 fs17 fc3 sc0 ls21 ws20\">Total<span class=\"_ _3eb\"> </span></td></tr><tr><td></td><td class=\"t m0 x2f7 h38 y69d7 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x2c9 h38 y69d7 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x4be h38 y69d7 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x2fa h2c y69d7 ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x233 h2c y69d7 ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x234 h2c y69d7 ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c n x1ee y6561 wa4e h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">At 1 January<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15d0 y6561 wa6f h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">255<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x878 y6561 w7be h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">94<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15d1 y6561 we7 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">349<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15d2 y6561 wb1f h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">227<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15d3 y6561 wb20 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">72<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15d4 y6561 w395 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">299<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6562 wa52 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Exchange translation differences<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15d5 y6562 w4a5 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(7)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15d6 y6562 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15d7 y6562 w4a5 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(7)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15d8 y6562 w6c h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">10<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15d9 y6562 w4db h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(5)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15da y6562 w40 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls0 ws0\">5<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6610 wb21 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(Release)/charge against profit<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15db y6610 w255 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(24)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15dc y6610 w314 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">130<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15dd y6610 wb22 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">106<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x283 y6610 we3 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">18<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15de y6610 w4f5 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">136<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15df y6610 w3de h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">154<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6577 wb23 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">Provisions utilised<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15e0 y6577 w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15e1 y6577 wb24 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(47)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15e2 y6577 wb25 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(47)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15e3 y6577 w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15e4 y6577 w4df h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(121)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15e5 y6577 w4df h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(121)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y665a waab h231\"><div class=\"t m0 x1ed h3b y6600 ff1 fs5 fc3 sc0 ls5 ws0\">Other movements</div><div class=\"t m0 x4c3 h3c y667e ff1 fs1b fc3 sc0 ls0 ws0\">3<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15e6 y6566 w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15e7 y6566 w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15e8 y6566 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15e9 y6566 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15ea y6566 w11d h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">12<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15eb y6566 w7c h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">12<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6567 wb26 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">At 31 December<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15ec y6567 wb27 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">224<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xf96 y6567 w4a6 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">177<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11e5 y6567 w37d h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">401<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15ed y6567 wb28 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">255<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15ee y6567 w475 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">94<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15ef y6567 w118 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">349<span class=\"_ _3eb\"> </span></div></td></tr></table>1 <span class=\"_ _b\"> </span><span class=\"ff4\">Expected credit loss for credit commitment comprises those undrawn contractually committed facilities where <span class=\"_ _7\"></span>there is doubt as to the borrowers\u2019 ability <span class=\"_ _7\"></span>to meet </span>their repayment obligations.<span class=\"_ _3eb\"> </span>2 <span class=\"_ _f\"> </span><span class=\"ff4\">Other provisions consist mainly of provisions for legal claims and regulatory and <span class=\"_ _7\"></span>enforcement investigations and proceedings; including provision for Korea </span>equity-linked securities (ELS) portfolio. While a provision has <span class=\"_ _7\"></span>been made in relation to the Korea ELS <span class=\"_ _7\"></span>matter, a description of the matter is contained <span class=\"_ _7\"></span>in note 26.<span class=\"_ _3eb\"> </span>3 <span class=\"_ _f\"> </span><span class=\"ff4\">Includes the provisions transferred to held for sale.<span class=\"_ _3eb\"> </span></span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfProvisionsExplanatory",
    "language": "en",
    "entity": "scheme:U4LOSYZ7YG4W3S5F2G91",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-719": {
   "value": "Accounting policy<span class=\"_ _3eb\"> </span>The recognition and measurement of provisions <span class=\"_ _7\"></span>for liabilities and charges requires significant judgement <span class=\"_ _7\"></span>and the use of<span class=\"_ gs36\"> </span>estimates about uncertain future conditions or <span class=\"_ _7\"></span>events. Estimates include the best estimate of <span class=\"_ _7\"></span>the probability of outflow of economic resources, <span class=\"_ _7\"></span>cost of settling a provision and timing of settlement. Judgement is required <span class=\"_ _7\"></span>to assess inherently uncertain areas such as <span class=\"_ _7\"></span>the anticipated outcome and financial impact of legal claims and <span class=\"_ _7\"></span>regulatory and enforcement investigations and proceedings.<span class=\"_ _3eb\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForProvisionsExplanatory",
    "language": "en",
    "entity": "scheme:U4LOSYZ7YG4W3S5F2G91",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-696": {
   "value": "25. Contingent liabilities <span class=\"_ _1b\"></span>and commitments<span class=\"_ _3eb\"> </span>Accounting policy<span class=\"_ _3eb\"> </span>Financial guarantee contracts and loan commitments<span class=\"_ _3eb\"> </span>Financial guarantee contracts and any loan <span class=\"_ _7\"></span>commitments issued at below-market interest rates are <span class=\"_ _7\"></span>initially recognised at their fair value as a financial <span class=\"_ _7\"></span>liability, and subsequently measured at the higher <span class=\"_ _7\"></span>of the initial value less the <span class=\"_ _7\"></span>cumulative amount of income recognised and their expected <span class=\"_ _7\"></span>credit loss provision. Loan commitments may be <span class=\"_ _7\"></span>designated at fair value through profit or loss where that is <span class=\"_ _7\"></span>the business model under which such contracts <span class=\"_ _7\"></span>are held. Notional values of financial <span class=\"_ _7\"></span>guarantee contracts and loan commitments are disclosed <span class=\"_ _7\"></span>in the table below. Financial guarantees, trade credits and irrevocable <span class=\"_ _7\"></span>letters of credit are the notional values <span class=\"_ _7\"></span>of contracts issued by the Group\u2019s Transaction Banking business for which an <span class=\"_ _7\"></span>obligation to make a payment has not <span class=\"_ _7\"></span>arisen at the reporting date. Transaction Banking will issue contracts to clients and counterparties of clients, whereby in the event the holder of the contract is not paid, the Group will reimburse the <span class=\"_ _7\"></span>holder of the contract for the actual <span class=\"_ _7\"></span>financial loss suffered. These contracts have <span class=\"_ _7\"></span>various legal forms such as letters of <span class=\"_ _7\"></span>credit, guarantee contracts and performance bonds. The <span class=\"_ _7\"></span>contracts are issued to facilitate trade<span class=\"_ gs36\"> </span>through export and import business and <span class=\"_ _7\"></span>provide guarantees to financial institutions where the <span class=\"_ _7\"></span>Group has a local presence, as<span class=\"_ gs36\"> </span>well as guaranteeing project financing <span class=\"_ _7\"></span>involving large construction projects undertaken by sovereigns <span class=\"_ _7\"></span>and corporates. The<span class=\"_ gs36\"> </span>contracts may contain performance clauses <span class=\"_ _7\"></span>which require the counterparty performing services or <span class=\"_ _7\"></span>providing goods to<span class=\"_ gs36\"> </span>meet certain conditions before a <span class=\"_ _7\"></span>right to payment is achieved, however the <span class=\"_ _7\"></span>Group does not guarantee this performance. The<span class=\"_ gs36\"> </span>Group will only guarantee the <span class=\"_ _7\"></span>credit of the counterparty paying for the <span class=\"_ _7\"></span>services or goods.<span class=\"_ _3eb\"> </span>Commitments are where the Group has <span class=\"_ _7\"></span>confirmed its intention to provide funds to <span class=\"_ _7\"></span>a customer or on behalf of <span class=\"_ _7\"></span>a customer under pre-specified terms and conditions in <span class=\"_ _7\"></span>the form of loans, overdrafts or future <span class=\"_ _7\"></span>guarantees whether cancellable or not and the Group has not made <span class=\"_ _7\"></span>payments at the balance sheet date; those <span class=\"_ _7\"></span>instruments are included in these financial statements as commitments. Some of these <span class=\"_ _7\"></span>commitments are considered on demand as the <span class=\"_ _7\"></span>Group may have to honour them, or the client may draw <span class=\"_ _7\"></span>down at any time.<span class=\"_ _3eb\"> </span>Capital commitments are contractual commitments the <span class=\"_ _7\"></span>Group has entered into to purchase non-financial <span class=\"_ _7\"></span>assets.<span class=\"_ _3eb\"> </span>The table below shows the contract <span class=\"_ _7\"></span>or underlying principal amounts of unmatured off-balance <span class=\"_ _7\"></span>sheet transactions at the balance sheet date. The contract or <span class=\"_ _7\"></span>underlying principal amounts indicate the volume of <span class=\"_ _7\"></span>business outstanding and do not represent amounts at risk.<span class=\"_ _3eb\"> </span><table class=\"s wb29 h27f\" id=\"_daa46862-4920-4179-9050-95a6b260024a\"><tr><td></td><td class=\"t m0 x1e8 h38 y69d8 ff5 fs17 fc0 sc0 ls21 ws20\">2025<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1e9 h39 y69d8 ff1 fs17 fc3 sc0 ls21 ws20\">2024<span class=\"_ _3eb\"> </span></td></tr><tr><td></td><td class=\"t m0 x1eb h38 y69d9 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1ec h2c y69d9 ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"t m0 x221 h8 y69da ff5 fs5 fc3 sc0 ls5 ws5\">Financial guarantees and other contingent liabilities<span class=\"_ _3eb\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x1ee y655d wb2a h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">Financial guarantees, trade and irrevocable letters of <span class=\"_ _7\"></span>credit<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15f0 y655d wb2b h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">114,193<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15f1 y655d wb2c h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">90,632<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td class=\"c n xf08 y6573 wb2b h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">114,193<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15f2 y6573 wd5 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">90,632<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x221 h8 y69db ff5 fs5 fc3 sc0 ls5 ws5\">Commitments<span class=\"_ _3eb\"> </span></td><td></td><td></td></tr><tr><td class=\"t m0 x221 h1a y69dc ff4 fs5 fc3 sc0 ls5 ws5\">Undrawn formal standby facilities, credit lines and <span class=\"_ _7\"></span>other commitments to lend<span class=\"_ _3eb\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x40b y6561 wb2d h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">One year and over<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15f3 y6561 wb2e h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">89,147<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15f4 y6561 wb2f h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">76,915<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x40b y6562 wb30 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Less than one year<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15f5 y6562 wb31 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">31,922<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15f6 y6562 wb32 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">29,249<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x40b y6610 wb33 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">Unconditionally cancellable<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15f7 y6610 wb34 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">78,176<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15f8 y6610 wb35 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">76,365<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td class=\"c n x15f9 y6577 wb36 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">199,245<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15fa y6577 wb37 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">182,529<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x221 h8 y69dd ff5 fs5 fc3 sc0 ls5 ws5\">Capital Commitments<span class=\"_ _3eb\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x1ee y6567 wb38 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Contracted capital expenditure approved by the directors but not provided for in these accounts<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15fb y6567 w66 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">62<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15fc y6567 w39f h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">123<span class=\"_ _3eb\"> </span></div></td></tr></table>As set out in Note 26, <span class=\"_ _7\"></span>the Group has contingent liabilities in respect <span class=\"_ _7\"></span>of certain legal and regulatory matters. <span class=\"_ _7\"></span>Note 26 also describes a matter relating to equity <span class=\"_ _7\"></span>linked securities sold by Standard Chartered Bank <span class=\"_ _7\"></span>Korea, for which the Group has recognised a provision. ",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfCommitmentsExplanatory",
    "language": "en",
    "entity": "scheme:U4LOSYZ7YG4W3S5F2G91",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-686": {
   "value": "25. Contingent liabilities <span class=\"_ _1b\"></span>and commitments<span class=\"_ _3eb\"> </span>Accounting policy<span class=\"_ _3eb\"> </span>Financial guarantee contracts and loan commitments<span class=\"_ _3eb\"> </span>Financial guarantee contracts and any loan <span class=\"_ _7\"></span>commitments issued at below-market interest rates are <span class=\"_ _7\"></span>initially recognised at their fair value as a financial <span class=\"_ _7\"></span>liability, and subsequently measured at the higher <span class=\"_ _7\"></span>of the initial value less the <span class=\"_ _7\"></span>cumulative amount of income recognised and their expected <span class=\"_ _7\"></span>credit loss provision. Loan commitments may be <span class=\"_ _7\"></span>designated at fair value through profit or loss where that is <span class=\"_ _7\"></span>the business model under which such contracts <span class=\"_ _7\"></span>are held. Notional values of financial <span class=\"_ _7\"></span>guarantee contracts and loan commitments are disclosed <span class=\"_ _7\"></span>in the table below. Financial guarantees, trade credits and irrevocable <span class=\"_ _7\"></span>letters of credit are the notional values <span class=\"_ _7\"></span>of contracts issued by the Group\u2019s Transaction Banking business for which an <span class=\"_ _7\"></span>obligation to make a payment has not <span class=\"_ _7\"></span>arisen at the reporting date. Transaction Banking will issue contracts to clients and counterparties of clients, whereby in the event the holder of the contract is not paid, the Group will reimburse the <span class=\"_ _7\"></span>holder of the contract for the actual <span class=\"_ _7\"></span>financial loss suffered. These contracts have <span class=\"_ _7\"></span>various legal forms such as letters of <span class=\"_ _7\"></span>credit, guarantee contracts and performance bonds. The <span class=\"_ _7\"></span>contracts are issued to facilitate trade<span class=\"_ gs36\"> </span>through export and import business and <span class=\"_ _7\"></span>provide guarantees to financial institutions where the <span class=\"_ _7\"></span>Group has a local presence, as<span class=\"_ gs36\"> </span>well as guaranteeing project financing <span class=\"_ _7\"></span>involving large construction projects undertaken by sovereigns <span class=\"_ _7\"></span>and corporates. The<span class=\"_ gs36\"> </span>contracts may contain performance clauses <span class=\"_ _7\"></span>which require the counterparty performing services or <span class=\"_ _7\"></span>providing goods to<span class=\"_ gs36\"> </span>meet certain conditions before a <span class=\"_ _7\"></span>right to payment is achieved, however the <span class=\"_ _7\"></span>Group does not guarantee this performance. The<span class=\"_ gs36\"> </span>Group will only guarantee the <span class=\"_ _7\"></span>credit of the counterparty paying for the <span class=\"_ _7\"></span>services or goods.<span class=\"_ _3eb\"> </span>Commitments are where the Group has <span class=\"_ _7\"></span>confirmed its intention to provide funds to <span class=\"_ _7\"></span>a customer or on behalf of <span class=\"_ _7\"></span>a customer under pre-specified terms and conditions in <span class=\"_ _7\"></span>the form of loans, overdrafts or future <span class=\"_ _7\"></span>guarantees whether cancellable or not and the Group has not made <span class=\"_ _7\"></span>payments at the balance sheet date; those <span class=\"_ _7\"></span>instruments are included in these financial statements as commitments. Some of these <span class=\"_ _7\"></span>commitments are considered on demand as the <span class=\"_ _7\"></span>Group may have to honour them, or the client may draw <span class=\"_ _7\"></span>down at any time.<span class=\"_ _3eb\"> </span>Capital commitments are contractual commitments the <span class=\"_ _7\"></span>Group has entered into to purchase non-financial <span class=\"_ _7\"></span>assets.<span class=\"_ _3eb\"> </span>The table below shows the contract <span class=\"_ _7\"></span>or underlying principal amounts of unmatured off-balance <span class=\"_ _7\"></span>sheet transactions at the balance sheet date. The contract or <span class=\"_ _7\"></span>underlying principal amounts indicate the volume of <span class=\"_ _7\"></span>business outstanding and do not represent amounts at risk.<span class=\"_ _3eb\"> </span><table class=\"s wb29 h27f\" id=\"_daa46862-4920-4179-9050-95a6b260024a\"><tr><td></td><td class=\"t m0 x1e8 h38 y69d8 ff5 fs17 fc0 sc0 ls21 ws20\">2025<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1e9 h39 y69d8 ff1 fs17 fc3 sc0 ls21 ws20\">2024<span class=\"_ _3eb\"> </span></td></tr><tr><td></td><td class=\"t m0 x1eb h38 y69d9 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1ec h2c y69d9 ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"t m0 x221 h8 y69da ff5 fs5 fc3 sc0 ls5 ws5\">Financial guarantees and other contingent liabilities<span class=\"_ _3eb\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x1ee y655d wb2a h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">Financial guarantees, trade and irrevocable letters of <span class=\"_ _7\"></span>credit<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15f0 y655d wb2b h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">114,193<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15f1 y655d wb2c h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">90,632<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td class=\"c n xf08 y6573 wb2b h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">114,193<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15f2 y6573 wd5 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">90,632<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x221 h8 y69db ff5 fs5 fc3 sc0 ls5 ws5\">Commitments<span class=\"_ _3eb\"> </span></td><td></td><td></td></tr><tr><td class=\"t m0 x221 h1a y69dc ff4 fs5 fc3 sc0 ls5 ws5\">Undrawn formal standby facilities, credit lines and <span class=\"_ _7\"></span>other commitments to lend<span class=\"_ _3eb\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x40b y6561 wb2d h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">One year and over<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15f3 y6561 wb2e h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">89,147<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15f4 y6561 wb2f h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">76,915<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x40b y6562 wb30 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Less than one year<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15f5 y6562 wb31 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">31,922<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15f6 y6562 wb32 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">29,249<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x40b y6610 wb33 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">Unconditionally cancellable<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15f7 y6610 wb34 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">78,176<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15f8 y6610 wb35 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">76,365<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td class=\"c n x15f9 y6577 wb36 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">199,245<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15fa y6577 wb37 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">182,529<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x221 h8 y69dd ff5 fs5 fc3 sc0 ls5 ws5\">Capital Commitments<span class=\"_ _3eb\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x1ee y6567 wb38 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Contracted capital expenditure approved by the directors but not provided for in these accounts<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15fb y6567 w66 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">62<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15fc y6567 w39f h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">123<span class=\"_ _3eb\"> </span></div></td></tr></table>As set out in Note 26, <span class=\"_ _7\"></span>the Group has contingent liabilities in respect <span class=\"_ _7\"></span>of certain legal and regulatory matters. <span class=\"_ _7\"></span>Note 26 also describes a matter relating to equity <span class=\"_ _7\"></span>linked securities sold by Standard Chartered Bank <span class=\"_ _7\"></span>Korea, for which the Group has recognised a provision. ",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfContingentLiabilitiesExplanatory",
    "language": "en",
    "entity": "scheme:U4LOSYZ7YG4W3S5F2G91",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-644": {
   "value": "25. Contingent liabilities <span class=\"_ _1b\"></span>and commitments<span class=\"_ _3eb\"> </span>Accounting policy<span class=\"_ _3eb\"> </span>Financial guarantee contracts and loan commitments<span class=\"_ _3eb\"> </span>Financial guarantee contracts and any loan <span class=\"_ _7\"></span>commitments issued at below-market interest rates are <span class=\"_ _7\"></span>initially recognised at their fair value as a financial <span class=\"_ _7\"></span>liability, and subsequently measured at the higher <span class=\"_ _7\"></span>of the initial value less the <span class=\"_ _7\"></span>cumulative amount of income recognised and their expected <span class=\"_ _7\"></span>credit loss provision. Loan commitments may be <span class=\"_ _7\"></span>designated at fair value through profit or loss where that is <span class=\"_ _7\"></span>the business model under which such contracts <span class=\"_ _7\"></span>are held. Notional values of financial <span class=\"_ _7\"></span>guarantee contracts and loan commitments are disclosed <span class=\"_ _7\"></span>in the table below. Financial guarantees, trade credits and irrevocable <span class=\"_ _7\"></span>letters of credit are the notional values <span class=\"_ _7\"></span>of contracts issued by the Group\u2019s Transaction Banking business for which an <span class=\"_ _7\"></span>obligation to make a payment has not <span class=\"_ _7\"></span>arisen at the reporting date. Transaction Banking will issue contracts to clients and counterparties of clients, whereby in the event the holder of the contract is not paid, the Group will reimburse the <span class=\"_ _7\"></span>holder of the contract for the actual <span class=\"_ _7\"></span>financial loss suffered. These contracts have <span class=\"_ _7\"></span>various legal forms such as letters of <span class=\"_ _7\"></span>credit, guarantee contracts and performance bonds. The <span class=\"_ _7\"></span>contracts are issued to facilitate trade<span class=\"_ gs36\"> </span>through export and import business and <span class=\"_ _7\"></span>provide guarantees to financial institutions where the <span class=\"_ _7\"></span>Group has a local presence, as<span class=\"_ gs36\"> </span>well as guaranteeing project financing <span class=\"_ _7\"></span>involving large construction projects undertaken by sovereigns <span class=\"_ _7\"></span>and corporates. The<span class=\"_ gs36\"> </span>contracts may contain performance clauses <span class=\"_ _7\"></span>which require the counterparty performing services or <span class=\"_ _7\"></span>providing goods to<span class=\"_ gs36\"> </span>meet certain conditions before a <span class=\"_ _7\"></span>right to payment is achieved, however the <span class=\"_ _7\"></span>Group does not guarantee this performance. The<span class=\"_ gs36\"> </span>Group will only guarantee the <span class=\"_ _7\"></span>credit of the counterparty paying for the <span class=\"_ _7\"></span>services or goods.<span class=\"_ _3eb\"> </span>Commitments are where the Group has <span class=\"_ _7\"></span>confirmed its intention to provide funds to <span class=\"_ _7\"></span>a customer or on behalf of <span class=\"_ _7\"></span>a customer under pre-specified terms and conditions in <span class=\"_ _7\"></span>the form of loans, overdrafts or future <span class=\"_ _7\"></span>guarantees whether cancellable or not and the Group has not made <span class=\"_ _7\"></span>payments at the balance sheet date; those <span class=\"_ _7\"></span>instruments are included in these financial statements as commitments. Some of these <span class=\"_ _7\"></span>commitments are considered on demand as the <span class=\"_ _7\"></span>Group may have to honour them, or the client may draw <span class=\"_ _7\"></span>down at any time.<span class=\"_ _3eb\"> </span>Capital commitments are contractual commitments the <span class=\"_ _7\"></span>Group has entered into to purchase non-financial <span class=\"_ _7\"></span>assets.<span class=\"_ _3eb\"> </span>The table below shows the contract <span class=\"_ _7\"></span>or underlying principal amounts of unmatured off-balance <span class=\"_ _7\"></span>sheet transactions at the balance sheet date. The contract or <span class=\"_ _7\"></span>underlying principal amounts indicate the volume of <span class=\"_ _7\"></span>business outstanding and do not represent amounts at risk.<span class=\"_ _3eb\"> </span><table class=\"s wb29 h27f\" id=\"_daa46862-4920-4179-9050-95a6b260024a\"><tr><td></td><td class=\"t m0 x1e8 h38 y69d8 ff5 fs17 fc0 sc0 ls21 ws20\">2025<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1e9 h39 y69d8 ff1 fs17 fc3 sc0 ls21 ws20\">2024<span class=\"_ _3eb\"> </span></td></tr><tr><td></td><td class=\"t m0 x1eb h38 y69d9 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1ec h2c y69d9 ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"t m0 x221 h8 y69da ff5 fs5 fc3 sc0 ls5 ws5\">Financial guarantees and other contingent liabilities<span class=\"_ _3eb\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x1ee y655d wb2a h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">Financial guarantees, trade and irrevocable letters of <span class=\"_ _7\"></span>credit<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15f0 y655d wb2b h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">114,193<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15f1 y655d wb2c h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">90,632<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td class=\"c n xf08 y6573 wb2b h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">114,193<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15f2 y6573 wd5 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">90,632<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x221 h8 y69db ff5 fs5 fc3 sc0 ls5 ws5\">Commitments<span class=\"_ _3eb\"> </span></td><td></td><td></td></tr><tr><td class=\"t m0 x221 h1a y69dc ff4 fs5 fc3 sc0 ls5 ws5\">Undrawn formal standby facilities, credit lines and <span class=\"_ _7\"></span>other commitments to lend<span class=\"_ _3eb\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x40b y6561 wb2d h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">One year and over<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15f3 y6561 wb2e h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">89,147<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15f4 y6561 wb2f h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">76,915<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x40b y6562 wb30 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Less than one year<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15f5 y6562 wb31 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">31,922<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15f6 y6562 wb32 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">29,249<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x40b y6610 wb33 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">Unconditionally cancellable<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15f7 y6610 wb34 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">78,176<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15f8 y6610 wb35 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">76,365<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td class=\"c n x15f9 y6577 wb36 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">199,245<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15fa y6577 wb37 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">182,529<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x221 h8 y69dd ff5 fs5 fc3 sc0 ls5 ws5\">Capital Commitments<span class=\"_ _3eb\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x1ee y6567 wb38 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Contracted capital expenditure approved by the directors but not provided for in these accounts<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15fb y6567 w66 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">62<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15fc y6567 w39f h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">123<span class=\"_ _3eb\"> </span></div></td></tr></table>As set out in Note 26, <span class=\"_ _7\"></span>the Group has contingent liabilities in respect <span class=\"_ _7\"></span>of certain legal and regulatory matters. <span class=\"_ _7\"></span>Note 26 also describes a matter relating to equity <span class=\"_ _7\"></span>linked securities sold by Standard Chartered Bank <span class=\"_ _7\"></span>Korea, for which the Group has recognised a provision. ",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfCommitmentsAndContingentLiabilitiesExplanatory",
    "language": "en",
    "entity": "scheme:U4LOSYZ7YG4W3S5F2G91",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-720": {
   "value": "Accounting policy<span class=\"_ _3eb\"> </span>Financial guarantee contracts and loan commitments<span class=\"_ _3eb\"> </span>Financial guarantee contracts and any loan <span class=\"_ _7\"></span>commitments issued at below-market interest rates are <span class=\"_ _7\"></span>initially recognised at their fair value as a financial <span class=\"_ _7\"></span>liability, and subsequently measured at the higher <span class=\"_ _7\"></span>of the initial value less the <span class=\"_ _7\"></span>cumulative amount of income recognised and their expected <span class=\"_ _7\"></span>credit loss provision. Loan commitments may be <span class=\"_ _7\"></span>designated at fair value through profit or loss where that is <span class=\"_ _7\"></span>the business model under which such contracts <span class=\"_ _7\"></span>are held. Notional values of financial <span class=\"_ _7\"></span>guarantee contracts and loan commitments are disclosed <span class=\"_ _7\"></span>in the table below. Financial guarantees, trade credits and irrevocable <span class=\"_ _7\"></span>letters of credit are the notional values <span class=\"_ _7\"></span>of contracts issued by the Group\u2019s Transaction Banking business for which an <span class=\"_ _7\"></span>obligation to make a payment has not <span class=\"_ _7\"></span>arisen at the reporting date. Transaction Banking will issue contracts to clients and counterparties of clients, whereby in the event the holder of the contract is not paid, the Group will reimburse the <span class=\"_ _7\"></span>holder of the contract for the actual <span class=\"_ _7\"></span>financial loss suffered. These contracts have <span class=\"_ _7\"></span>various legal forms such as letters of <span class=\"_ _7\"></span>credit, guarantee contracts and performance bonds. The <span class=\"_ _7\"></span>contracts are issued to facilitate trade<span class=\"_ gs36\"> </span>through export and import business and <span class=\"_ _7\"></span>provide guarantees to financial institutions where the <span class=\"_ _7\"></span>Group has a local presence, as<span class=\"_ gs36\"> </span>well as guaranteeing project financing <span class=\"_ _7\"></span>involving large construction projects undertaken by sovereigns <span class=\"_ _7\"></span>and corporates. The<span class=\"_ gs36\"> </span>contracts may contain performance clauses <span class=\"_ _7\"></span>which require the counterparty performing services or <span class=\"_ _7\"></span>providing goods to<span class=\"_ gs36\"> </span>meet certain conditions before a <span class=\"_ _7\"></span>right to payment is achieved, however the <span class=\"_ _7\"></span>Group does not guarantee this performance. The<span class=\"_ gs36\"> </span>Group will only guarantee the <span class=\"_ _7\"></span>credit of the counterparty paying for the <span class=\"_ _7\"></span>services or goods.<span class=\"_ _3eb\"> </span>Commitments are where the Group has <span class=\"_ _7\"></span>confirmed its intention to provide funds to <span class=\"_ _7\"></span>a customer or on behalf of <span class=\"_ _7\"></span>a customer under pre-specified terms and conditions in <span class=\"_ _7\"></span>the form of loans, overdrafts or future <span class=\"_ _7\"></span>guarantees whether cancellable or not and the Group has not made <span class=\"_ _7\"></span>payments at the balance sheet date; those <span class=\"_ _7\"></span>instruments are included in these financial statements as commitments. Some of these <span class=\"_ _7\"></span>commitments are considered on demand as the <span class=\"_ _7\"></span>Group may have to honour them, or the client may draw <span class=\"_ _7\"></span>down at any time.<span class=\"_ _3eb\"> </span>Capital commitments are contractual commitments the <span class=\"_ _7\"></span>Group has entered into to purchase non-financial <span class=\"_ _7\"></span>assets.<span class=\"_ _3eb\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForContingentLiabilitiesAndContingentAssetsExplanatory",
    "language": "en",
    "entity": "scheme:U4LOSYZ7YG4W3S5F2G91",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-645": {
   "value": "26. Legal and <span class=\"_ _1b\"></span>regulatory matters<span class=\"_ _3eb\"> </span>Accounting policy<span class=\"_ _3eb\"> </span>Where appropriate, the Group recognises a <span class=\"_ _7\"></span>provision for liabilities when it is probable <span class=\"_ _7\"></span>that an outflow of economic <span class=\"ff1 ls0 ws0\"> </span>resources embodying economic benefits will be <span class=\"_ _7\"></span>required, and for which a reliable estimate <span class=\"_ _7\"></span>can be made of the obligation. The uncertainties inherent in legal and <span class=\"_ _7\"></span>regulatory matters affect the amount and timing <span class=\"_ _7\"></span>of any potential outflows with respect to which provisions have been <span class=\"_ _7\"></span>established. These uncertainties also mean that it <span class=\"_ _7\"></span>is not possible to give an aggregate<span class=\"_ gs36\"> </span>estimate of contingent liabilities arising from <span class=\"_ _7\"></span>such legal and regulatory matters.<span class=\"_ _3eb\"> </span><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs6b7\">The Group receives legal claims against <span class=\"_ _7\"></span>it in a number of jurisdictions and <span class=\"_ _7\"></span>is subject to regulatory and enforcement </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs6b8\">investigations and proceedings from time to <span class=\"_ _7\"></span>time. Apart from the matters described below, <span class=\"_ _7\"></span>the Group currently considers none </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs6b9\">of the ongoing claims, investigations or <span class=\"_ _7\"></span>proceedings to be individually material. However, in <span class=\"_ _7\"></span>light of the uncertainties involved in </div><div class=\"t m0 h9 ff1 fs2 fc3 sc0 ls2 ws0 gs6ba\">such matters there can be no assurance that the outcome of a particular matter or matters currently not considered to be </div><div class=\"t m0 h9 ff1 fs2 fc3 sc0 ls2 ws0 gs6bb\">material may not ultimately be material to the Group\u2019s results in a particular reporting period depending on, among other </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs6bc\">things, the amount of the loss <span class=\"_ _7\"></span>resulting from the matter(s) and the results <span class=\"_ _7\"></span>otherwise reported for such period.<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs6bd\">Since 2014, the Group has been <span class=\"_ _7\"></span>named as a defendant in a series <span class=\"_ _7\"></span>of lawsuits filed in the United <span class=\"_ _7\"></span>States District Courts for the </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs6be\">Southern and Eastern Districts of New <span class=\"_ _7\"></span>York against a number of banks on <span class=\"_ _7\"></span>behalf of plaintiffs who are, or <span class=\"_ _7\"></span>are relatives of, victims </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs6bf\">of attacks in Iraq, Afghanistan and <span class=\"_ _7\"></span>Israel. The plaintiffs in each of these <span class=\"_ _7\"></span>lawsuits allege that the defendant banks <span class=\"_ _7\"></span>aided and </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs6c0\">abetted the unlawful conduct of <span class=\"_ _7\"></span>parties with connections to terrorist <span class=\"_ _7\"></span>organisations in breach of the <span class=\"_ _7\"></span>United States Anti-Terrorism </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs6c1\">Act. None of the lawsuits specify <span class=\"_ _7\"></span>the amount of damages claimed. The Group <span class=\"_ _7\"></span>continues to defend these lawsuits. </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs6c2\">In January 2020, a shareholder derivative <span class=\"_ _7\"></span>complaint was filed by the City of <span class=\"_ _7\"></span>Philadelphia in New York State Court <span class=\"_ _7\"></span>against </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs6c3\">45<span class=\"_ gs36\"> </span>current and former directors and senior <span class=\"_ _7\"></span>officers of the Group. It is alleged <span class=\"_ _7\"></span>that the individuals breached their duties <span class=\"_ _7\"></span>to the </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs6c4\">Group and caused a waste of <span class=\"_ _7\"></span>corporate assets by permitting the conduct that <span class=\"_ _7\"></span>gave rise to the costs and <span class=\"_ _7\"></span>losses to the Group </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs6c5\">related to legacy conduct and control <span class=\"_ _7\"></span>issues. In February 2022, the New York <span class=\"_ _7\"></span>State Court ruled in favour of <span class=\"_ _7\"></span>Standard Chartered </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs6c6\">PLC\u2019s motion to dismiss the complaint. <span class=\"_ _7\"></span>The plaintiffs are pursuing an appeal against <span class=\"_ _7\"></span>the February 2022 ruling. A ruling <span class=\"_ _7\"></span>on the </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs6c7\">plaintiffs\u2019 appeal is awaited.<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs6c8\">Bernard Madoff\u2019s 2008 confession to running <span class=\"_ _7\"></span>a Ponzi scheme through Bernard L. Madoff <span class=\"_ _7\"></span>Investment Securities LLC (BMIS) gave </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs6c9\">rise to a number of lawsuits <span class=\"_ _7\"></span>against the Group. BMIS and the Fairfield <span class=\"_ _7\"></span>funds (which invested in BMIS) are <span class=\"_ _7\"></span>in bankruptcy and </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs6ca\">liquidation, respectively. Between 2010 and 2012, <span class=\"_ _7\"></span>five lawsuits were brought against the Group <span class=\"_ _7\"></span>by the BMIS bankruptcy trustee </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs6cb\">and the Fairfield funds\u2019 liquidators, in <span class=\"_ _7\"></span>each case seeking to recover funds paid <span class=\"_ _7\"></span>to the Group\u2019s clients pursuant to <span class=\"_ _7\"></span>redemption </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs6cc\">requests made prior to BMIS\u2019 bankruptcy <span class=\"_ _7\"></span>filing. The total amount sought in these <span class=\"_ _7\"></span>cases exceeds U.S.$300 million, excluding </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs6cd\">any<span class=\"_ gs36\"> </span>pre-judgment interest that may be awarded. <span class=\"_ _7\"></span>Three of the four lawsuits commenced by <span class=\"_ _7\"></span>the Fairfield funds\u2019 liquidators have </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs6ce\">been dismissed and those dismissals were <span class=\"_ _7\"></span>upheld by the appeal court. The fourth <span class=\"_ _7\"></span>lawsuit has been dismissed and is <span class=\"_ _7\"></span>not the </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs6cf\">subject of any further appeal. The <span class=\"_ _7\"></span>Group continues to defend the lawsuit brought <span class=\"_ _7\"></span>by the BMIS bankruptcy trustee. </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs6d0\">In June 2025, a lawsuit was <span class=\"_ _7\"></span>filed in the Singapore High Court against <span class=\"_ _7\"></span>Standard Chartered Bank (Singapore) Limited (\u2018Standard </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs6d1\">Chartered Singapore\u2019), by three companies now <span class=\"_ _7\"></span>in liquidation that had misappropriated funds from <span class=\"_ _7\"></span>1Malaysia Development </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs6d2\">Berhad (1MDB), seeking U.S.$2.7 billion. The <span class=\"_ _7\"></span>companies allege, among other things, that Standard <span class=\"_ _7\"></span>Chartered Singapore knew </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs6d3\">or<span class=\"_ gs36\"> </span>ought to have known that these <span class=\"_ _7\"></span>companies were engaged in the fraud on <span class=\"_ _7\"></span>1MDB at the time that Standard <span class=\"_ _7\"></span>Chartered </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs6d4\">Singapore effected transfers instructed by these <span class=\"_ _7\"></span>companies. The companies allege that in doing <span class=\"_ _7\"></span>so, Standard Chartered </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs6d5\">Singapore breached its mandate and applicable <span class=\"_ _7\"></span>duties. Standard Chartered Singapore had reported the <span class=\"_ _7\"></span>transaction activities </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs6d6\">of these companies before it closed <span class=\"_ _7\"></span>their accounts in early 2013. Standard Chartered <span class=\"_ _7\"></span>Singapore denies any and all liability </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs6d7\">and<span class=\"_ gs36\"> </span>will defend this lawsuit. </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs6d8\">The Group is defending a lawsuit <span class=\"_ _7\"></span>filed in the courts of Victoria, Australia, <span class=\"_ _7\"></span>against a number of financial institutions <span class=\"_ _7\"></span>by two </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs6d9\">companies in liquidation, Jabiru Satellite Limited <span class=\"_ _7\"></span>and NewSat Limited. The claimants allege that <span class=\"_ _7\"></span>the defendants breached </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs6da\">implied obligations under 2013 loan agreements <span class=\"_ _7\"></span>and acted unconscionably by declining to waive <span class=\"_ _7\"></span>breaches and events of </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs6db\">default and by refusing to continue <span class=\"_ _7\"></span>funding their satellite project, ultimately resulting in <span class=\"_ _7\"></span>the claimants entering receivership. </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs6dc\">The<span class=\"_ gs36\"> </span>claimants have asserted loss and damage <span class=\"_ _7\"></span>of up to U.S.$4.81 billion from the <span class=\"_ _7\"></span>defendants. In addition to having denied <span class=\"_ _7\"></span>any </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs6dd\">and all liability, the defendants will <span class=\"_ _7\"></span>contest the claimants\u2019 alleged losses, which the <span class=\"_ _7\"></span>Group considers to be baseless. The <span class=\"_ _7\"></span>trial </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs6de\">of<span class=\"_ gs36\"> </span>this claim is due to start <span class=\"_ _7\"></span>in Q2 2026.<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs6df\">The Group has concluded that the <span class=\"_ _7\"></span>threshold for recording provisions pursuant to IAS <span class=\"_ _7\"></span>37 Provisions, Contingent Liabilities </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs6e0\">and<span class=\"_ gs36\"> </span>Contingent Assets is not met with <span class=\"_ _7\"></span>respect to the above matters; however, the <span class=\"_ _7\"></span>outcomes of these matters are inherently </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs6e1\">uncertain and difficult to predict.<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h9 ff1 fs2 fc3 sc0 ls2 ws0 gs6e2\">By way of update on other legal and regulatory matters which have previously been included in this Note on account of being </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs6e3\">treated as contingent liabilities but are <span class=\"_ _7\"></span>no longer treated as such, either because <span class=\"_ _7\"></span>the matter has concluded (in the <span class=\"_ _7\"></span>case of (a)) </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs6e4\">or a provision has been recognised <span class=\"_ _7\"></span>(in the case of (b)):<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs6e6\">(a) Since October 2020, four lawsuits <span class=\"_ _7\"></span>had been filed in the English High <span class=\"_ _7\"></span>Court against Standard Chartered PLC on <span class=\"_ _7\"></span>behalf of </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs6e7\">more than 200 shareholders in relation <span class=\"_ _7\"></span>to alleged untrue and/or misleading statements and/or <span class=\"_ _7\"></span>omissions in information </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs6e8\">published by<span class=\"_ gs36\"> </span>Standard Chartered PLC in its <span class=\"_ _7\"></span>rights issue prospectuses of 2008, 2010 and <span class=\"_ _7\"></span>2015 and/or public statements </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs6e9\">regarding the Group\u2019s historic sanctions, money <span class=\"_ _7\"></span>laundering and financial crime compliance issues. These <span class=\"_ _7\"></span>lawsuits were brought </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs6ea\">under sections 90 and 90A of <span class=\"_ _7\"></span>the Financial Services and Markets Act 2000. <span class=\"_ _7\"></span>The trial of these lawsuits was <span class=\"_ _7\"></span>due to start in late </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs6eb\">2026; however, in<span class=\"_ gs36\"> </span>December 2025, a settlement <span class=\"_ _7\"></span>was reached with the claimants, and this <span class=\"_ _7\"></span>matter is now concluded.<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs6ec\">(b) A number of Korean banks <span class=\"_ _7\"></span>sold equity linked securities (ELS) to customers, <span class=\"_ _7\"></span>the redemption values of which are <span class=\"_ _7\"></span>determined </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs6ed\">by the performance of various stock <span class=\"_ _7\"></span>indices. From January 2021 to May 2023, <span class=\"_ _7\"></span>Standard Chartered Bank Korea sold relevant <span class=\"_ _7\"></span>ELS </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs6ee\">to its customers. Due to the <span class=\"_ _7\"></span>performance of the Hang Seng China Enterprise <span class=\"_ _7\"></span>Index, many customers of Korean banks </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs6ef\">experienced loss on their ELS investments. <span class=\"_ _7\"></span>Standard Chartered Bank Korea has paid or <span class=\"_ _7\"></span>offered compensation to its impacted </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs6f0\">customers. In<span class=\"_ gs36\"> </span>November 2025, the Financial Supervisory <span class=\"_ _7\"></span>Service issued a notice of a proposed <span class=\"_ _7\"></span>regulatory penalty relating to the </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs6f1\">ELS matter, which Standard Chartered Bank <span class=\"_ _7\"></span>Korea is contesting. Appropriate provisions have been <span class=\"_ _7\"></span>recognised with respect to </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs6f2\">the proposed penalty amount and outstanding <span class=\"_ _7\"></span>compensation claims (see Note 24). </div>",
   "dimensions": {
    "concept": "standardcharteredplc:DisclosureOfLegalAndRegulatoryMatters",
    "language": "en",
    "entity": "scheme:U4LOSYZ7YG4W3S5F2G91",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-721": {
   "value": "Accounting policy<span class=\"_ _3eb\"> </span>Where appropriate, the Group recognises a <span class=\"_ _7\"></span>provision for liabilities when it is probable <span class=\"_ _7\"></span>that an outflow of economic <span class=\"ff1 ls0 ws0\"> </span>resources embodying economic benefits will be <span class=\"_ _7\"></span>required, and for which a reliable estimate <span class=\"_ _7\"></span>can be made of the obligation. The uncertainties inherent in legal and <span class=\"_ _7\"></span>regulatory matters affect the amount and timing <span class=\"_ _7\"></span>of any potential outflows with respect to which provisions have been <span class=\"_ _7\"></span>established. These uncertainties also mean that it <span class=\"_ _7\"></span>is not possible to give an aggregate<span class=\"_ gs36\"> </span>estimate of contingent liabilities arising from <span class=\"_ _7\"></span>such legal and regulatory matters.<span class=\"_ _3eb\"> </span>",
   "dimensions": {
    "concept": "standardcharteredplc:DescriptionOfAccountingPolicyForLegalAndRegulatoryMatters",
    "language": "en",
    "entity": "scheme:U4LOSYZ7YG4W3S5F2G91",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-646": {
   "value": "27. Subordinated liabilities <span class=\"_ _1b\"></span>and other borrowed funds<span class=\"_ _3eb\"> </span>Accounting policy<span class=\"_ _3eb\"> </span>Refer to Note 13 Financial instruments <span class=\"_ _7\"></span>for the relevant accounting policy.<span class=\"_ _3eb\"> </span><table class=\"s wb39 h280\" id=\"_c1e00ed2-d3f2-4f37-9aa1-4b2da1dbfd74\"><tr><td></td><td class=\"t m0 x1e8 h38 y69de ff5 fs17 fc0 sc0 ls21 ws20\">2025<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1e9 h39 y69de ff1 fs17 fc3 sc0 ls21 ws20\">2024<span class=\"_ _3eb\"> </span></td></tr><tr><td></td><td class=\"t m0 x1eb h38 y69df ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1ec h2c y69df ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"t m0 x221 h8 y69e0 ff5 fs5 fc3 sc0 ls5 ws5\">Subordinated loan capital \u2013 issued by subsidiary <span class=\"_ _7\"></span>undertakings<span class=\"_ _3eb\"> </span></td><td></td><td></td></tr><tr><td class=\"c x1ee y69e1 wb3a h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">$700 million 8.0 per cent subordinated notes <span class=\"_ _7\"></span>due 2031</div><div class=\"t m0 x15fd h3c y65df ff1 fs1b fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x804 y6555 wb3b h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">330<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15fe y6555 wee h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">326<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y69e2 wb3c h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">NPR2.4 billion 10.3 per cent fixed rate <span class=\"_ _7\"></span>subordinated notes due 2028</div><div class=\"t m0 x15ff h3c y65df ff1 fs1b fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1600 y6556 w268 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">17<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1601 y6556 wa9b h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">18<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td class=\"c n x804 y6557 wb3d h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">347<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1602 y6557 wacf h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">344<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y69e3 wb3e h203\"><div class=\"t m0 x1ed h8 y666e ff5 fs5 fc3 sc0 ls5 ws5\">Subordinated loan capital \u2013 issued by the <span class=\"_ _7\"></span>Company</div><div class=\"t m0 x1603 h93 y66c4 ff6 fs1b fc3 sc0 ls0 ws0\">3<span class=\"_ _3eb\"> </span></div></td><td></td><td></td></tr><tr><td class=\"c n x1ee y658b wb3f h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">\u00a3900 million 5.125 per cent subordinated notes <span class=\"_ _7\"></span>due 2034<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1604 y658b wb40 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">657<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1605 y658b w1e9 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">601<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6570 wb41 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">$2 billion 5.7 per cent subordinated notes <span class=\"_ _7\"></span>due 2044<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1606 y6570 wb42 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">2,222<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7cd y6570 w425 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">2,179<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y655b wb43 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">$750 million 5.3 per cent subordinated notes <span class=\"_ _7\"></span>due 2043<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1607 y655b wab1 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">716<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1608 y655b w4ce h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">691<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y655c wb44 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">$1.25 billion 4.3 per cent subordinated notes <span class=\"_ _7\"></span>due 2027<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1609 y655c w1d8 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">1,218<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x160a y655c w8b1 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">1,174<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y655d wb45 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">$1 billion 3.516 per cent fixed rate <span class=\"_ _7\"></span>reset subordinated notes due 2030 (callable <span class=\"_ _7\"></span>2025)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x806 y655d w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x160b y655d w398 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">996<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6573 w3ca h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">$500 million 4.866 per cent fixed rate <span class=\"_ _7\"></span>reset subordinated notes due 2033 (callable <span class=\"_ _7\"></span>2028)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x160c y6573 we7 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">493<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x160d y6573 w8dc h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">478<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6574 wb46 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">\u00a396.035 million 7.375 per cent Non-Cum Pref <span class=\"_ _7\"></span>Shares (reclassed as Debt) \u2013 Other <span class=\"_ _7\"></span>borrowings<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x160e y6574 w9f h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">129<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x160f y6574 w1e5 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">121<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6560 wb47 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">\u00a399.250 million 8.25 per cent Non-Cum Pref <span class=\"_ _7\"></span>Shares (reclassed as Debt) \u2013 Other <span class=\"_ _7\"></span>borrowings<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1610 y6560 w3e5 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">134<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1611 y6560 w8ca h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">124<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6575 wb48 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">$750 million 3.603 per cent fixed rate <span class=\"_ _7\"></span>reset subordinated notes due 2033 (callable <span class=\"_ _7\"></span>2032)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1612 y6575 wab1 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">671<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1613 y6575 w118 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">634<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y658d wb49 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">\u20ac1 billion 2.5 per cent fixed rate <span class=\"_ _7\"></span>reset subordinated notes due 2030 (callable <span class=\"_ _7\"></span>2025)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1614 y658d w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1615 y658d w9f7 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">1,015<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y658e wb4a h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">$1.25 billion 3.265 per cent fixed rate <span class=\"_ _7\"></span>reset subordinated notes due 2036 (callable <span class=\"_ _7\"></span>2030)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1616 y658e w5f h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">1,094<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1617 y658e w8fc h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">1,032<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6577 wb4b h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">\u20ac1 billion 1.200 per cent fixed rate <span class=\"_ _7\"></span>reset subordinated notes due 2031 (callable <span class=\"_ _7\"></span>2026)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1618 y6577 w322 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">1,153<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1619 y6577 wd8 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">993<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td class=\"c n x7b2 y6566 wb4c h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">8,487<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x161a y6566 wb4d h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">10,038<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6567 wb4e h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Total for Group<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x161b y6567 w110 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">8,834<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x114a y6567 w5dd h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">10,382<span class=\"_ _3eb\"> </span></div></td></tr></table>1 <span class=\"_ _b\"> </span><span class=\"ff4\">Issued by Standard Chartered Bank.<span class=\"_ _3eb\"> </span></span>2 <span class=\"_ _f\"> </span><span class=\"ff4\">Issued by Standard Chartered Bank Nepal Limited. NPR refers to Nepalese Rupee.<span class=\"_ _3eb\"> </span></span>3 <span class=\"_ _f\"> </span><span class=\"ff4\">In the balance sheet of the Company the amount recognised is $8,684 million <span class=\"_ _7\"></span>(2024: $10,338 million), with the difference on account <span class=\"_ _7\"></span>of hedge accounting achieved </span>on a Group basis.<span class=\"_ _3eb\"> </span><table class=\"s wb4f h281\" id=\"_05f2a10b-a4c3-4118-9ba0-b5ff5cba8018\"><tr><td></td><td></td><td></td><td class=\"c n x527 y69e4 w306 h204\"><div class=\"t m0 x1ed h38 y6563 ff5 fs17 fc0 sc0 ls21 ws20\">2025<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td></td><td></td><td class=\"c n x1551 y69e4 w307 h205\"><div class=\"t m0 x1ed h38 y6563 ff1 fs17 fc3 sc0 ls21 ws20\">2024<span class=\"_ _3eb\"> </span></div></td><td></td><td></td></tr><tr><td></td><td class=\"t m0 xd2c h38 y69e5 ff2 fs17 fc0 sc0 ls21 ws20\">USD<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x161c h38 y69e5 ff5 fs17 fc0 sc0 ls21 ws20\">EUR<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x161d h38 y69e5 ff5 fs17 fc0 sc0 ls21 ws20\">GBP<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x161e h38 y69e5 ff2 fs17 fc0 sc0 ls21 ws20\">NPR<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1557 h38 y69e5 ff5 fs17 fc0 sc0 ls21 ws20\">Total<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x8b4 h39 y69e5 ff1 fs17 fc3 sc0 ls21 ws20\">USD<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x161f h39 y69e5 ff1 fs17 fc3 sc0 ls21 ws20\">EUR<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1620 h39 y69e5 ff1 fs17 fc3 sc0 ls21 ws20\">GBP<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1621 h39 y69e5 ff1 fs17 fc3 sc0 ls21 ws20\">NPR<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x60a h39 y69e5 ff1 fs17 fc3 sc0 ls21 ws20\">Total<span class=\"_ _3eb\"> </span></td></tr><tr><td></td><td class=\"t m0 x1558 h38 y69e6 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xb9b h38 y69e6 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x536 h38 y69e6 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x530 h38 y69e6 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x9cb h38 y69e6 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x610 h2c y69e6 ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x611 h2c y69e6 ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x53b h2c y69e6 ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x533 h2c y69e6 ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1ec h2c y69e6 ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c n x1ee y6567 wb50 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Fixed rate subordinated debt<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1622 y6567 wb51 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">6,744<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1623 y6567 w335 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">1,153<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1624 y6567 wb52 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">920<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1625 y6567 w268 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">17<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1626 y6567 w5c3 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">8,834<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1627 y6567 wb53 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">7,510<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1628 y6567 w236 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">2,008<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1629 y6567 w99a h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">846<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x162a y6567 wa9b h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">18<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x162b y6567 w111 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">10,382<span class=\"_ _3eb\"> </span></div></td></tr></table>Redemptions and repurchases <span class=\"_ _7\"></span>during the <span class=\"_ _7\"></span>year.<span class=\"_ _3eb\"> </span>Standard Chartered PLC exercised its right <span class=\"_ _7\"></span>to redeem $1 billion 3.516 per cent <span class=\"_ _7\"></span>subordinated notes 2025 and \u20ac1 billion <span class=\"_ _7\"></span>2.5 per cent subordinated notes 2025.<span class=\"_ _3eb\"> </span>Issuance during the year<span class=\"_ _3eb\"> </span>There was no issuance during the <span class=\"_ _7\"></span>period.",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfSubordinatedLiabilitiesExplanatory",
    "language": "en",
    "entity": "scheme:U4LOSYZ7YG4W3S5F2G91",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-722": {
   "value": "Accounting policy<span class=\"_ _3eb\"> </span>Refer to Note 13 Financial instruments <span class=\"_ _7\"></span>for the relevant accounting policy.<span class=\"_ _3eb\"> </span>",
   "dimensions": {
    "concept": "standardcharteredplc:DescriptionOfAccountingPolicyForSubordinatedLiabilitiesAndOtherBorrowedFunds",
    "language": "en",
    "entity": "scheme:U4LOSYZ7YG4W3S5F2G91",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-687": {
   "value": "28. Share capital, <span class=\"_ _1b\"></span>other equity instruments and <span class=\"_ _7\"></span>reserves<span class=\"_ _3eb\"> </span>Accounting policy<span class=\"_ _3eb\"> </span>Securities which carry a discretionary coupon <span class=\"_ _7\"></span>and have no fixed maturity or redemption <span class=\"_ _7\"></span>date are classified as other equity instruments. Interest payments on these securities <span class=\"_ _7\"></span>are recognised, net of tax, as distributions <span class=\"_ _7\"></span>from equity in the period in which they are paid. Where the Company or other members of the consolidated Group purchase the Company\u2019s equity share capital, the consideration paid is deducted from the <span class=\"_ _7\"></span>total shareholders\u2019 equity of the Group and/or <span class=\"_ _7\"></span>of the Company as treasury shares until they are cancelled. Where such <span class=\"_ _7\"></span>shares are subsequently sold or reissued, any <span class=\"_ _7\"></span>consideration received is included in shareholders\u2019 equity of the Group and/or <span class=\"_ _7\"></span>the Company.<span class=\"_ _3eb\"> </span><table class=\"s wb54 h282\" id=\"_3cfc0942-7635-4792-989f-0ddfc8f92d0c\"><tr><td></td><td></td><td></td><td></td><td class=\"t m0 x13ea h38 y69e7 ff5 fs17 fc0 sc0 ls21 ws20\">Preference </td><td class=\"t m0 x162c h38 y69e7 ff5 fs17 fc0 sc0 ls21 ws20\">Total share </td><td></td></tr><tr><td></td><td class=\"t m0 x162d h38 y69e8 ff5 fs17 fc0 sc0 ls21 ws20\">Number of </td><td class=\"t m0 x2c7 h38 y69e8 ff5 fs17 fc0 sc0 ls21 ws20\">Ordinary<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1051 h38 y69e8 ff5 fs17 fc0 sc0 ls21 ws20\">Ordinary </td><td class=\"t m0 x2f2 h38 y69e8 ff5 fs17 fc0 sc0 ls21 ws20\">share capital and<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xc2a h38 y69e8 ff5 fs17 fc0 sc0 ls21 ws20\">capital<span class=\"_ gs40f\"> </span>and </td><td class=\"t m0 x1277 h38 y69e8 ff5 fs17 fc0 sc0 ls21 ws20\">Other equity </td></tr><tr><td></td><td class=\"t m0 x162e h38 y69e9 ff5 fs17 fc0 sc0 ls21 ws20\">ordinary shares<span class=\"_ _3eb\"> </span></td><td class=\"c xc58 y69ea wb55 h21b\"><div class=\"t m0 x1ed h38 y6563 ff5 fs17 fc0 sc0 ls21 ws20\">share capital</div><div class=\"t m0 x162f ha7 y65fd ff5 fs19 fc0 sc0 ls0 ws0\">1</div></td><td class=\"t m0 x13e9 h38 y69e9 ff5 fs17 fc0 sc0 ls21 ws20\">Share premium<span class=\"_ _3eb\"> </span></td><td class=\"c x1242 y69ea wb56 h21b\"><div class=\"t m0 x1ed h38 y6563 ff5 fs17 fc0 sc0 ls21 ws20\">share premium</div><div class=\"t m0 x1241 ha7 y65fd ff5 fs19 fc0 sc0 ls0 ws0\">2</div></td><td class=\"t m0 xbef h38 y69e9 ff5 fs17 fc0 sc0 ls21 ws20\">share premium<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1630 h38 y69e9 ff5 fs17 fc0 sc0 ls21 ws20\">instruments<span class=\"_ _3eb\"> </span></td></tr><tr><td></td><td class=\"t m0 x1631 h38 y69eb ff5 fs17 fc0 sc0 ls21 ws20\">million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x2c9 h38 y69eb ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x4be h38 y69eb ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x2fa h38 y69eb ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x233 h38 y69eb ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x4c2 h38 y69eb ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c n x1ee y69ec wb57 h203\"><div class=\"t m0 x1ed h1a y65de ff5 fs5 fc3 sc0 ls5 ws5\">At 1 January 2024<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1632 y69ec w7a0 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">2,665<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1633 y69ec wb58 h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">1,332<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1634 y69ec w98 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">3,989<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x146c y69ec wb59 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">1,494<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1635 y69ec w211 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">6,815<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1636 y69ec wb5a h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">5,512<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x235 h1a y69ed ff4 fs5 fc3 sc0 ls5 ws5\">Cancellation of shares including share </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y69ee wb5b h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">buyback<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1637 y69ee wb5c h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(240)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1638 y69ee wb5d h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(120)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb85 y69ee w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb86 y69ee w1cf h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1639 y69ee w209 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(120)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1125 y69ee w1cf h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y681f wb5e h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Additional Tier 1 equity issuance</div><div class=\"t m0 x163a h3c y660d ff1 fs1b fc3 sc0 ls0 ws0\">4<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15e6 y681f w2bc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15e7 y681f w2bc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15e8 y681f w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15e9 y681f w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x163b y681f w1cf h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x163c y681f w211 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">1,568<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y6820 wb5f h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Additional Tier 1 Redemption</div><div class=\"t m0 x163d h3c y660d ff1 fs1b fc3 sc0 ls0 ws0\">5<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15e6 y6820 w2bc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15e7 y6820 w2bc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15e8 y6820 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15e9 y6820 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x163b y6820 w1cf h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x163e y6820 w215 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(553)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y69ef wb60 h25c\"><div class=\"t m0 x1ed h3b y6600 ff1 fs5 fc3 sc0 ls5 ws0\">Other movements</div><div class=\"t m0 x4c3 h3c y667e ff1 fs1b fc3 sc0 ls0 ws0\">5<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15e6 y69f0 w2bc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15e7 y69f0 w2bc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15e8 y69f0 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15e9 y69f0 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x163b y69f0 w1cf h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x163f y69f0 w3ac h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(25)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y68a8 w8cb h201\"><div class=\"t m0 x1ed h3d y6548 ff5 fs5 fc3 sc0 ls5 ws5\">At 31 December 2024<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1640 y68a8 w724 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">2,425<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1641 y68a8 w1ca h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">1,212<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1642 y68a8 wa15 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">3,989<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1643 y68a8 w8bd h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">1,494<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1644 y68a8 w1b4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">6,695<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1645 y68a8 wb61 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">6,502<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x235 h1a y69f1 ff4 fs5 fc3 sc0 ls5 ws5\">Cancellation of shares including share </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y658d wb5b h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">buyback<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1646 y658d w58a h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(162)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1647 y658d w2b0 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(81)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1648 y658d w1cf h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1649 y658d w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbea y658d w2b0 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(81)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x164a y658d w1cf h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y6658 wb5e h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Additional Tier 1 equity issuance</div><div class=\"t m0 x163a h3c y65df ff1 fs1b fc3 sc0 ls0 ws0\">4<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15e6 y658e w2bc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15e7 y658e w2bc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15e8 y658e w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15e9 y658e w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x163b y658e w1cf h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x164b y658e w80 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">1,989<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y69f2 wb5f h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Additional Tier 1 Redemption</div><div class=\"t m0 x163d h3c y65df ff1 fs1b fc3 sc0 ls0 ws0\">5<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15e6 y6659 w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15e7 y6659 w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15e8 y6659 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15e9 y6659 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x163b y6659 w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x164c y6659 w2fa h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(1,000)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y69f3 waab h231\"><div class=\"t m0 x1ed h3b y6600 ff1 fs5 fc3 sc0 ls5 ws0\">Other movements</div><div class=\"t m0 x4c3 h3c y667e ff1 fs1b fc3 sc0 ls0 ws0\">3<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15e6 y6826 w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15e7 y6826 w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15e8 y6826 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15e9 y6826 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x163b y6826 w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x164d y6826 w124 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">37<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6567 w8b6 h203\"><div class=\"t m0 x1ed h3d y655f ff5 fs5 fc3 sc0 ls5 ws5\">At 31 December 2025<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x164e y6567 wb62 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">2,263<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x164f y6567 wa3 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">1,131<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1650 y6567 wa15 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">3,989<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1651 y6567 w8bd h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">1,494<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1652 y6567 wb63 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">6,614<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1653 y6567 w132 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">7,528<span class=\"_ _3eb\"> </span></div></td></tr></table>1 <span class=\"_ _b\"> </span><span class=\"ff4\">Issued and fully paid ordinary shares of 50 cents each.<span class=\"_ _3eb\"> </span></span>2 <span class=\"_ _f\"> </span><span class=\"ff4\">Includes preference share capital of $75,000.<span class=\"_ _3eb\"> </span></span>3 <span class=\"_ _f\"> </span><span class=\"ff4\">2025 include transfer of $25 million realised translation loss on redemption of AT1 <span class=\"_ _7\"></span>securities of SGD 750 million to retained earnings. </span>4 <span class=\"_ _e\"> </span><span class=\"ff4\">Movement in 2025 relates to $994 million and $995 million fixed rate <span class=\"_ _7\"></span>resetting perpetual subordinated contingent convertible AT1 securities issued <span class=\"_ _7\"></span>by Standard </span>Chartered PLC. Movement in 2024 includes $993 million <span class=\"_ _7\"></span>and $575 million (SGD 750 million) fixed rate <span class=\"_ _7\"></span>resetting perpetual subordinated contingent convertible AT1<span class=\"_ gs1a2\"> </span>securities issued by Standard Chartered PLC.<span class=\"_ _3eb\"> </span>5 <span class=\"_ _f\"> </span><span class=\"ff4\">Movement in 2025 relates to redemption of $1,000 million Fixed <span class=\"_ _7\"></span>Rate Resetting Perpetual Contingent Convertible Securities on its <span class=\"_ _7\"></span>first optional redemption date </span>of<span class=\"_ gs1a2\"> </span>26 July 2025. Movement in 2024 relates to <span class=\"_ _7\"></span>redemption of AT1 securities of SGD 750 million <span class=\"_ _7\"></span>($553 million) and realised translation loss ($25 million) <span class=\"_ _7\"></span>reported in<span class=\"_ gs1a2\"> </span>other<span class=\"_ gs1a2\"> </span>movements.<span class=\"_ _3eb\"> </span>Share buyback<span class=\"_ _3eb\"> </span>On 30 July 2024, the Group <span class=\"_ _7\"></span>announced the buyback programme for a share <span class=\"_ _7\"></span>buyback of its ordinary shares of <span class=\"_ _7\"></span>$0.50 each. Nominal value of share purchases was <span class=\"_ _7\"></span>$69 million, the total consideration paid was <span class=\"_ _7\"></span>$1,500 million, and the buyback completed on 30 January 2025. The total <span class=\"_ _7\"></span>number of shares purchased of 137,562,542 representing <span class=\"_ _7\"></span>5.39 per cent of the ordinary <span class=\"_ _7\"></span>shares in issue at the beginning of the <span class=\"_ _7\"></span>programme. The nominal value of the shares <span class=\"_ _7\"></span>was transferred from the share capital <span class=\"_ _7\"></span>to the capital redemption reserve account. On 21 February 2025, the Group <span class=\"_ _7\"></span>announced the buyback programme for a share <span class=\"_ _7\"></span>buyback of its ordinary shares of <span class=\"_ _7\"></span>$0.50 each. Nominal value of share purchases was <span class=\"_ _7\"></span>$49 million, the total consideration paid was <span class=\"_ _7\"></span>$1,500 million, and the buyback completed on 30 July 2025. The total <span class=\"_ _7\"></span>number of shares purchased of 98,162,451 representing <span class=\"_ _7\"></span>4.07 per cent of the ordinary <span class=\"_ _7\"></span>shares in issue at<span class=\"_ gs36\"> </span>the beginning of the programme. The <span class=\"_ _7\"></span>nominal value of the shares was transferred <span class=\"_ _7\"></span>from the share capital to the <span class=\"_ _7\"></span>capital redemption reserve account. On 31 July 2025, the Group <span class=\"_ _7\"></span>announced the buyback programme for a share <span class=\"_ _7\"></span>buyback of its ordinary shares of <span class=\"_ _7\"></span>$0.50 each. As<span class=\"_ gs36\"> </span>at<span class=\"_ gs36\"> </span>31 December 2025, nominal value of <span class=\"_ _7\"></span>share purchases was $27 million, the total <span class=\"_ _7\"></span>consideration paid was $1,073 million and the total number of shares purchased <span class=\"_ _7\"></span>was 53,061,718, representing 2.29 per cent of <span class=\"_ _7\"></span>the ordinary shares in issue at <span class=\"_ _7\"></span>the beginning of the programme. <span class=\"_ _7\"></span>The buyback was <span class=\"_ _1b\"></span>completed on 26 January 2026 <span class=\"_ _7\"></span>with a further <span class=\"_ _7\"></span>$227million consideration <span class=\"_ _7\"></span>paid and recognised as irrevocable obligation to buyback shares. <span class=\"_ _7\"></span>The nominal value of the shares was <span class=\"_ _7\"></span>transferred from the share capital to <span class=\"_ _7\"></span>the capital redemption reserve account.<span class=\"_ _3eb\"> </span>The shares were purchased by Standard <span class=\"_ _7\"></span>Chartered PLC on various exchanges not including <span class=\"_ _7\"></span>the Hong Kong Stock Exchange.<span class=\"_ _3eb\"> </span><table class=\"s wb64 h283\" id=\"_3125e88a-28b3-4255-8a90-98ad358f19a4\"><tr><td></td><td></td><td></td><td></td><td class=\"t m0 x5fb h39 y69f4 ff1 fs17 fc3 sc0 ls21 ws20\">Average </td><td></td><td></td></tr><tr><td></td><td></td><td class=\"t m0 x8bc h39 y69f5 ff1 fs17 fc3 sc0 ls21 ws20\">Highest </td><td class=\"t m0 x11c0 h39 y69f5 ff1 fs17 fc3 sc0 ls21 ws20\">Lowest </td><td class=\"t m0 x158b h39 y69f5 ff1 fs17 fc3 sc0 ls21 ws0\">price paid </td><td class=\"t m0 x158c h39 y69f5 ff1 fs17 fc3 sc0 ls21 ws20\">Aggregate<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1654 h39 y69f5 ff1 fs17 fc3 sc0 ls21 ws20\">Aggregate<span class=\"_ _3eb\"> </span></td></tr><tr><td></td><td class=\"t m0 x53f h39 y69f6 ff1 fs17 fc3 sc0 ls21 ws0\">Number of </td><td class=\"t m0 xb98 h39 y69f6 ff1 fs17 fc3 sc0 ls21 ws0\">price Paid<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1557 h39 y69f6 ff1 fs17 fc3 sc0 ls21 ws0\">price paid </td><td class=\"t m0 xf49 h39 y69f6 ff1 fs17 fc3 sc0 ls21 ws0\">per share</td><td class=\"t m0 x9cf h39 y69f6 ff1 fs17 fc3 sc0 ls21 ws0\"> price paid</td><td class=\"t m0 xeb6 h39 y69f6 ff1 fs17 fc3 sc0 ls21 ws0\"> price paid<span class=\"_ _3eb\"> </span></td></tr><tr><td></td><td class=\"t m0 x1655 h39 y69f7 ff1 fs17 fc3 sc0 ls21 ws0\">ordinary shares<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1656 h2c y69f7 ff4 fs17 fc3 sc0 ls0 ws0\">\u00a3<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x531 h2c y69f7 ff4 fs17 fc3 sc0 ls0 ws0\">\u00a3<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1657 h2c y69f7 ff4 fs17 fc3 sc0 ls0 ws0\">\u00a3<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x9d7 h2c y69f7 ff4 fs17 fc3 sc0 ls0 ws0\">\u00a3<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1658 h2c y69f7 ff4 fs17 fc3 sc0 ls0 ws0\">$<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c n x1ee y655b wb65 h1fe\"><div class=\"t m0 x1ed h1a y6640 ff1 fs5 fc3 sc0 ls5 ws0\">January 2025<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1659 y655b wb66 h1ff\"><div class=\"t m0 x1ed h1a y6640 ff4 fs5 fc3 sc0 ls5 ws5\">11,300,128<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x165a y655b wb67 h1ff\"><div class=\"t m0 x1ed h1a y6640 ff4 fs5 fc3 sc0 ls5 ws5\">10.87<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x165b y655b wb68 h1ff\"><div class=\"t m0 x1ed h1a y6640 ff4 fs5 fc3 sc0 ls5 ws5\">9.704<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x165c y655b w29c h1ff\"><div class=\"t m0 x1ed h1a y6640 ff4 fs5 fc3 sc0 ls5 ws5\">10.4136<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x165d y655b wb69 h1ff\"><div class=\"t m0 x1ed h1a y6640 ff4 fs5 fc3 sc0 ls5 ws5\">117,671,362<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x165e y655b wb6a h1ff\"><div class=\"t m0 x1ed h1a y6640 ff4 fs5 fc3 sc0 ls5 ws5\">145,286,293<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y655c wb6b h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">February 2025<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x165f y655c wb6c h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">3,395,890<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1660 y655c w319 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">12.725<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1661 y655c w41f h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">11.79<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1662 y655c w342 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">12.33<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1663 y655c wb6d h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">41,849,427<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1664 y655c wb6e h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">52,884,831<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y655d wb6f h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">March 2025<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1665 y655d wb70 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">24,636,534<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1666 y655d wb71 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">12.81<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1667 y655d wb67 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">11.175<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1668 y655d wb72 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">11.8839<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1669 y655d wb73 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">292,546,496<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x166a y655d wb74 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">377,784,647<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6573 wb75 h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">April 2025<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x166b y6573 wb76 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">19,971,649<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x166c y6573 wb77 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">11.545<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x166d y6573 w2c6 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">8.728<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x166e y6573 wb78 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">10.201<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x166f y6573 wb79 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">201,750,555<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1670 y6573 wb7a h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">264,351,775<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6574 wb7b h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">May 2025<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1671 y6574 wb7c h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">18,340,963<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10d0 y6574 wb4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">11.755<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1672 y6574 wb7d h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">10.385<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1673 y6574 wb7e h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">11.2748<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1674 y6574 wb7f h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">205,669,905<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1675 y6574 wb80 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">274,781,456<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6560 wb81 h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">June 2025<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1676 y6560 wb82 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">15,903,416<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1677 y6560 wb83 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">12.2<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1678 y6560 wb84 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">11.16<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1679 y6560 wb85 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">11.7<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x167a y6560 wb86 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">186,026,636<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x167b y6560 wb87 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">252,365,331<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6575 wb88 h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">July 2025<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x167c y6575 w90b h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">15,913,999<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x167d y6575 w1ca h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">13.78<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x167e y6575 wb89 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">11.675<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x167f y6575 wb8a h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">12.9343<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1680 y6575 wb8b h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">205,721,926<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1681 y6575 wb8c h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">277,831,848<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6562 wb8d h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">August 2025<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1682 y6562 wb8e h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">10,425,043<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1683 y6562 wb8f h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">14.31<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1684 y6562 w392 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">12.855<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1685 y6562 wa25 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">13.7655<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1686 y6562 wb90 h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">143,350,111<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1687 y6562 wb91 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">192,812,669<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6610 wb92 h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">September 2025<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1688 y6610 w754 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">11,517,686<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1689 y6610 wb93 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">14.65<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x168a y6610 w202 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">13.545<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x168b y6610 wb94 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">14.1412<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x168c y6610 wb95 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">162,803,283<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x168d y6610 wb96 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">219,854,779<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6577 wb97 h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">October 2025<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x168e y6577 wb98 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">10,604,541<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x168f y6577 wb99 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">15.645<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1690 y6577 wb42 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">13.515<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1691 y6577 wb9a h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">14.5063<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1692 y6577 wb9b h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">153,001,512<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1693 y6577 wb9c h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">204,574,723<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6566 wb9d h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">November 2025<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1694 y6566 wb9e h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">9,494,913<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1695 y6566 wb9f h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">16.83<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1696 y6566 wba0 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">15.255<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1697 y6566 wba1 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">16.0656<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1698 y6566 wba2 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">152,484,758<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1699 y6566 wba3 h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">200,451,254<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6567 wba4 h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">December 2025<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x169a y6567 wba5 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">11,019,535<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x169b y6567 wba6 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">18.345<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x169c y6567 wba7 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">16.235<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x169d y6567 wba8 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">17.4014<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x169e y6567 wba9 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">191,126,325<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x169f y6567 wbaa h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">255,662,097<span class=\"_ _3eb\"> </span></div></td></tr></table>Ordinary share capital In accordance with the Companies Act <span class=\"_ _7\"></span>2006 the Company does not have authorised <span class=\"_ _7\"></span>share capital. The nominal value of <span class=\"_ _7\"></span>each ordinary share is 50 cents.<span class=\"_ _3eb\"> </span>During the period nil shares were <span class=\"_ _7\"></span>issued under employee share plans. Preference share capital<span class=\"_ _3eb\"> </span>At 31 December 2025, the Company <span class=\"_ _7\"></span>has 15,000 $5 non-cumulative redeemable preference shares <span class=\"_ _7\"></span>in issue, with a premium of<span class=\"_ gs36\"> </span>$99,995 making a paid up amount <span class=\"_ _7\"></span>per preference share of $100,000. The preference <span class=\"_ _7\"></span>shares are redeemable at the option of<span class=\"_ gs36\"> </span>the Company and are classified in <span class=\"_ _7\"></span>equity.<span class=\"_ _3eb\"> </span>The available profits of the Company <span class=\"_ _7\"></span>are distributed to the holders of the <span class=\"_ _7\"></span>issued preference shares in priority to <span class=\"_ _7\"></span>payments made to holders of the ordinary shares <span class=\"_ _7\"></span>and in priority to, or pari passu <span class=\"_ _7\"></span>with, any payments to the holders <span class=\"_ _7\"></span>of any other class of shares <span class=\"_ _7\"></span>in issue. On a winding up, the <span class=\"_ _7\"></span>assets of the Company are applied to <span class=\"_ _7\"></span>the holders of the preference shares <span class=\"_ _7\"></span>in priority to any payment to the ordinary shareholders and in <span class=\"_ _7\"></span>priority to, or pari passu with, the <span class=\"_ _7\"></span>holders of any other shares in <span class=\"_ _7\"></span>issue, for an amount equal to<span class=\"_ gs36\"> </span>any dividends payable (on approval of <span class=\"_ _7\"></span>the Board) and the nominal value of <span class=\"_ _7\"></span>the shares together with any premium <span class=\"_ _7\"></span>as determined by the Board. The redeemable <span class=\"_ _7\"></span>preference shares are redeemable at the paid <span class=\"_ _7\"></span>up amount (which includes premium) at the option of the Company <span class=\"_ _7\"></span>in accordance with the terms of the <span class=\"_ _7\"></span>shares. The holders of the preference <span class=\"_ _7\"></span>shares are not entitled to attend or vote at any <span class=\"_ _7\"></span>general meeting except where any relevant dividend <span class=\"_ _7\"></span>due is not paid in full <span class=\"_ _7\"></span>or where a resolution is proposed varying the rights of the <span class=\"_ _7\"></span>preference shares.<span class=\"_ _3eb\"> </span>Other equity instruments<span class=\"_ _3eb\"> </span>The table provides details of outstanding <span class=\"_ _7\"></span>Fixed Rate Resetting Perpetual Subordinated Contingent Convertible <span class=\"_ _7\"></span>AT1 securities issued by Standard Chartered PLC. All <span class=\"_ _7\"></span>issuances are made for general business purposes <span class=\"_ _7\"></span>and to increase the regulatory capital base of the Group.<span class=\"_ _3eb\"> </span><table class=\"s wbab h284\" id=\"_31db3da3-ed37-4d43-a8e0-13e8a4511f31\"><tr><td></td><td></td><td class=\"t m0 x1555 h39 y69f8 ff1 fs17 fc3 sc0 ls21 ws0\">Proceeds net of <span class=\"ls0\"> </span></td><td></td><td></td><td></td><td class=\"t m0 x1654 h39 y69f8 ff1 fs17 fc3 sc0 ls21 ws20\">Conversion <span class=\"ls0 ws0\"> </span></td></tr><tr><td></td><td class=\"t m0 x16a0 h39 y69f9 ff1 fs17 fc3 sc0 ls21 ws0\">Nominal value<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x16a1 h39 y69f9 ff1 fs17 fc3 sc0 ls21 ws0\">issue costs<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x161d h39 y69f9 ff1 fs17 fc3 sc0 ls21 ws20\">Interest </td><td></td><td></td><td class=\"t m0 x7bd h39 y69f9 ff1 fs17 fc3 sc0 ls21 ws0\">price per<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"t m0 x221 h39 y69fa ff1 fs17 fc3 sc0 ls21 ws0\">Issuance date<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x16a0 h2c y69fa ff4 fs17 fc3 sc0 ls21 ws20\">million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x16a2 h2c y69fa ff4 fs17 fc3 sc0 ls21 ws20\">$ million<span class=\"_ _3eb\"> </span></td><td class=\"c x8f4 y69fb wbac h26a\"><div class=\"t m0 x1ed h39 y6632 ff1 fs17 fc3 sc0 ls21 ws20\">rate</div><div class=\"t m0 x16a3 h3a y6938 ff1 fs19 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c x16a5 y69fb wbad h26a\"><div class=\"t m0 x1ed h39 y6632 ff1 fs17 fc3 sc0 ls21 ws0\">Coupon payment dates each year</div><div class=\"t m0 x16a4 h3a y6938 ff1 fs19 fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td><td class=\"c x16a7 y69fb wbae h26a\"><div class=\"t m0 x1ed h39 y6632 ff1 fs17 fc3 sc0 ls21 ws0\">First reset dates</div><div class=\"t m0 x16a6 h3a y6938 ff1 fs19 fc3 sc0 ls0 ws0\">3<span class=\"_ _3eb\"> </span></div></td><td class=\"c x16a9 y69fb wbaf h26a\"><div class=\"t m0 x1ed h39 y6632 ff1 fs17 fc3 sc0 ls21 ws0\">ordinary share</div><div class=\"t m0 x16a8 h3a y6938 ff1 fs19 fc3 sc0 ls0 ws0\">4<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6574 wbb0 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">14 January 2021<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16aa y6574 w8c7 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">$1,250<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16ab y6574 wb5a h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">1,239<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16ac y6574 wbb1 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">4.75%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16ad y6574 wbb2 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">14 January, 14 July<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16ae y6574 wb80 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">14 July 2031<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16af y6574 w8c8 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">$6.353<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6646 wbb3 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">19 August 2021<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16b0 y6646 wbb4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">$1,500<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16b1 y6646 w3b3 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">1,489<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16b2 y6646 wbb5 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">4.30%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16b3 y6646 wbb6 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">19 February, 19 August<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16b4 y6646 wbb7 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">19 August 2028<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16b5 y6646 wbb8 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">$6.382<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6561 wbb9 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">15 August 2022<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16b6 y6561 w8c7 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">$1,250<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16b7 y6561 wb5a h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">1,239<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16b8 y6561 wbba h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">7.75%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16b9 y6561 wbbb h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">15 February, 15 August<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8c0 y6561 wbbc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">15 February 2028<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16ba y6561 wbbd h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">$7.333<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6562 wbbe h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">08 March 2024<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16bb y6562 wbbf h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">$1,000<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16bc y6562 wbc0 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">993<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16bd y6562 w5b8 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">7.875%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16be y6562 wbc1 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">8 March, 8 <span class=\"_ _7\"></span>September<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16bf y6562 wbc2 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">8 September 2030<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16c0 y6562 wc7 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">$8.216<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6610 wbc3 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">19 September 2024<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16c1 y6610 wbc4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">SGD750<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16c2 y6610 wbc5 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">579<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16c3 y6610 wbc6 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">5.300%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16c4 y6610 wbc7 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">19 March, 19 September<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16c5 y6610 wbc8 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">19 March 2030<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16c6 y6610 wbc9 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">SGD12.929<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6577 wbca h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">16 January 2025<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16c7 y6577 wbcb h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">$1,000<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16c8 y6577 wbcc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">994<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16c9 y6577 wbcd h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">7.625%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16ca y6577 wbce h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">16 January, 16 July<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16cb y6577 wbcf h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">16 July 2032<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16cc y6577 wbd0 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">$12.330<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6566 wbd1 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">14 November 2025<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16cd y6566 wbbf h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">$1,000<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16ce y6566 w3f2 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">995<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16cf y6566 wbd2 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">7.00%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16d0 y6566 wbd3 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">14 May, 14 November<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16d1 y6566 wbd4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">14 May 2036<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16d2 y6566 wbd5 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">$20.760<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td class=\"c n x16d3 y6567 w293 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">Total<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16d4 y6567 wbd6 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">7,528<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td></td><td></td></tr></table>1 <span class=\"_ _b\"> </span><span class=\"ff4\">Interest rates for the period from (and including) the issue date to (but <span class=\"_ _7\"></span>excluding) the first reset date.<span class=\"_ _3eb\"> </span></span>2 <span class=\"_ _f\"> </span><span class=\"ff4\">Interest payable semi-annually in arrears.<span class=\"_ _3eb\"> </span></span>3 <span class=\"_ _f\"> </span><span class=\"ff4\">Securities are resettable each date falling five years, or an integral multiple of <span class=\"_ _7\"></span>five years, after the first reset date.<span class=\"_ _3eb\"> </span></span>4 <span class=\"_ _e\"> </span><span class=\"ff4\">Conversion price set at the time of pricing with reference to closing <span class=\"_ _7\"></span>share price and any applicable discount.<span class=\"_ _3eb\"> </span></span>The AT1 issuances above are primarily <span class=\"_ _7\"></span>purchased by institutional investors.<span class=\"_ _3eb\"> </span>The principal terms of the AT1 <span class=\"_ _7\"></span>securities are described below: <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">The securities are perpetual and redeemable, at the option of Standard Chartered <span class=\"_ _7\"></span>PLC in whole but not in <span class=\"_ _7\"></span>part, on the first </span>interest reset date and each date falling five years after the first reset date <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">The securities are also redeemable for certain regulatory or tax reasons on <span class=\"_ _7\"></span>any date at 100 per cent <span class=\"_ _7\"></span>of their principal amount </span>together with any accrued but unpaid <span class=\"_ _7\"></span>interest up to (but excluding) the date <span class=\"_ _7\"></span>fixed for redemption. Any redemption is <span class=\"_ _7\"></span>subject to Standard Chartered PLC giving notice <span class=\"_ _7\"></span>to the relevant regulator and the regulator <span class=\"_ _7\"></span>granting permission to redeem <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">Interest payments on these securities will be accounted for as a dividend</span> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">Interest on the securities is due and payable only at the sole <span class=\"_ _7\"></span>and absolute discretion of Standard Chartered <span class=\"_ _7\"></span>PLC, subject </span>to<span class=\"_ gs36\"> </span>certain additional restrictions set out in <span class=\"_ _7\"></span>the terms and conditions. Accordingly, Standard Chartered <span class=\"_ _7\"></span>PLC may at any time elect to cancel any interest payment <span class=\"_ _7\"></span>(or part thereof) which would otherwise be <span class=\"_ _7\"></span>payable on any interest payment date <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">The securities convert into ordinary shares of Standard Chartered PLC, at a <span class=\"_ _7\"></span>pre-determined price detailed in the table <span class=\"_ _7\"></span>above, </span>should the fully loaded Common Equity <span class=\"_ _7\"></span>Tier 1 ratio of the Group fall <span class=\"_ _7\"></span>below 7.0 per cent. Approximately 911 <span class=\"_ _7\"></span>million ordinary shares would be required to satisfy <span class=\"_ _7\"></span>the conversion of all the securities mentioned <span class=\"_ _7\"></span>above.<span class=\"_ _3eb\"> </span>The securities rank behind the claims <span class=\"_ _7\"></span>against Standard Chartered PLC of (a) unsubordinated <span class=\"_ _7\"></span>creditors, (b) which are expressed to be subordinated to the claims <span class=\"_ _7\"></span>of unsubordinated creditors of Standard Chartered PLC <span class=\"_ _7\"></span>but not further or otherwise; or <span class=\"_ _7\"></span>(c) which are, or are expressed to <span class=\"_ _7\"></span>be, junior to the claims of other <span class=\"_ _7\"></span>creditors of Standard Chartered PLC, whether <span class=\"_ _7\"></span>subordinated or<span class=\"_ gs36\"> </span>unsubordinated, other than claims which rank, <span class=\"_ _7\"></span>or are expressed to rank, pari passu <span class=\"_ _7\"></span>with, or junior to, the claims <span class=\"_ _7\"></span>of holders of<span class=\"_ gs36\"> </span>the AT1 securities in a winding\u2013up <span class=\"_ _7\"></span>occurring prior to the conversion trigger.<span class=\"_ _3eb\"> </span>Reserves<span class=\"_ _3eb\"> </span>The constituents of the reserves are <span class=\"_ _7\"></span>summarised as follows: <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">The capital reserve represents the exchange difference on redenomination of share capital <span class=\"_ _7\"></span>and share premium from </span>sterling<span class=\"_ gs36\"> </span>to US dollars in 2001. The <span class=\"_ _7\"></span>capital redemption reserve represents the nominal value <span class=\"_ _7\"></span>of preference shares redeemed <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">The amounts in the \u2018Capital and Merger Reserve\u2019 represents the premium arising <span class=\"_ _7\"></span>on shares issued using a cash <span class=\"_ _7\"></span>box financing </span>structure, which required the Company to <span class=\"_ _7\"></span>create a merger reserve under section 612 <span class=\"_ _7\"></span>of the Companies Act 2006. Shares <span class=\"_ _7\"></span>were issued using this structure in 2005 <span class=\"_ _7\"></span>and 2006 to assist in the funding <span class=\"_ _7\"></span>of Korea ($1.9 billion) and Taiwan <span class=\"_ _7\"></span>($1.2 billion) acquisitions, in 2008, 2010 and 2015 <span class=\"_ _7\"></span>for the shares issued by way of <span class=\"_ _7\"></span>a rights issue, primarily for capital <span class=\"_ _7\"></span>maintenance requirements and for the shares issued <span class=\"_ _7\"></span>in 2009 by way of an accelerated <span class=\"_ _7\"></span>book build, the proceeds of which <span class=\"_ _7\"></span>were used in the ordinary course of business of the <span class=\"_ _7\"></span>Group. The funding raised by the 2008, <span class=\"_ _7\"></span>2010 and 2015 rights issues and <span class=\"_ _7\"></span>2009 share issue was fully retained within the <span class=\"_ _7\"></span>Company. Of the 2015 funding, <span class=\"_ _7\"></span>$1.5 billion was used to <span class=\"_ _7\"></span>subscribe to additional equity in <span class=\"_ _7\"></span>Standard Chartered Bank, a wholly owned subsidiary <span class=\"_ _7\"></span>of the Company. Apart from the Korea, <span class=\"_ _7\"></span>Taiwan and Standard Chartered Bank funding, the merger reserve is considered <span class=\"_ _7\"></span>realised and distributable <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">Own credit adjustment reserve represents the cumulative gains and losses on financial <span class=\"_ _7\"></span>liabilities designated at fair </span>value<span class=\"_ gs36\"> </span>through profit or loss relating to <span class=\"_ _7\"></span>own credit. Gains and losses on financial <span class=\"_ _7\"></span>liabilities designated at fair value through profit or<span class=\"_ gs36\"> </span>loss relating to own credit <span class=\"_ _7\"></span>in the year have been taken through <span class=\"_ _7\"></span>other comprehensive income into this reserve. On<span class=\"_ gs36\"> </span>derecognition of applicable instruments the balance <span class=\"_ _7\"></span>of any OCA will not be recycled <span class=\"_ _7\"></span>to the income statement, but will be<span class=\"_ gs36\"> </span>transferred within equity to retained earning <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">Fair value through other comprehensive income (FVOCI) debt reserve represents the unrealised <span class=\"_ _7\"></span>fair value gains and losses </span>in<span class=\"_ gs36\"> </span>respect of financial assets classified as <span class=\"_ _7\"></span>FVOCI, net of expected credit losses and <span class=\"_ _7\"></span>taxation. Gains and losses are deferred in<span class=\"_ gs36\"> </span>this reserve and are reclassified to <span class=\"_ _7\"></span>the income statement when the underlying asset <span class=\"_ _7\"></span>is sold, matures or becomes impaired  <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">FVOCI equity reserve represents unrealised fair value gains and losses in respect <span class=\"_ _7\"></span>of financial assets classified as FVOCI, <span class=\"_ _7\"></span>net </span>of<span class=\"_ gs36\"> </span>taxation. Gains and losses are recorded <span class=\"_ _7\"></span>in this reserve and never recycled to <span class=\"_ _7\"></span>the income statement <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">Cash flow hedge reserve represents the effective portion of the gains and <span class=\"_ _7\"></span>losses on derivatives that meet the <span class=\"_ _7\"></span>criteria for </span>these types of hedges. Gains and <span class=\"_ _7\"></span>losses are deferred in this reserve and <span class=\"_ _7\"></span>are reclassified to the income statement <span class=\"_ _7\"></span>when the<span class=\"_ gs36\"> </span>underlying hedged item affects profit and <span class=\"_ _7\"></span>loss or when a forecast transaction is <span class=\"_ _7\"></span>no longer expected to occur <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ls2\">Translation reserve represents the cumulative foreign exchange gains and losses on translation of the net investment<span class=\"_ _11\"></span> </span>of<span class=\"_ gs36\"> </span>the<span class=\"_ gs36\"> </span>Group in foreign operations. Since 1 <span class=\"_ _7\"></span>January 2004, gains and losses are deferred <span class=\"_ _7\"></span>to this reserve and are reclassified to<span class=\"_ gs36\"> </span>the<span class=\"_ gs36\"> </span>income statement when the underlying foreign <span class=\"_ _7\"></span>operation is disposed. Gains and losses arising <span class=\"_ _7\"></span>from derivatives used as<span class=\"_ gs36\"> </span>hedges of net investments are netted <span class=\"_ _7\"></span>against the foreign exchange gains and losses <span class=\"_ _7\"></span>on translation of the net investment of the foreign operations <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ls2\">Retained earnings represents profits and other comprehensive income earned by the Group and Company in the current<span class=\"_ _11\"></span> </span>and<span class=\"_ gs36\"> </span>prior periods, together with the after <span class=\"_ _7\"></span>tax increase relating to equity-settled share options, <span class=\"_ _7\"></span>less dividend distributions, own shares held (treasury shares) and share <span class=\"_ _7\"></span>buybacks.<span class=\"_ _3eb\"> </span>A substantial part of the Group\u2019s <span class=\"_ _7\"></span>reserves is held in overseas subsidiary undertakings <span class=\"_ _7\"></span>and branches, principally to support local operations or to comply with local <span class=\"_ _7\"></span>regulations. The maintenance of local regulatory capital <span class=\"_ _7\"></span>ratios could potentially restrict the amount of reserves which can be <span class=\"_ _7\"></span>remitted. In addition, if these overseas reserves <span class=\"_ _7\"></span>were to be remitted, further unprovided taxation liabilities might arise.<span class=\"_ _3eb\"> </span>As at 31 December 2025, the <span class=\"_ _7\"></span>distributable reserves of Standard Chartered PLC (the <span class=\"_ _7\"></span>Company) were $14.1 billion (31 December 2024: $14.1 billion). Distributable reserves of <span class=\"_ _7\"></span>the Company were $14.1 billion, which include <span class=\"_ _7\"></span>the distributable portions of retained earnings. Distributable reserves are derived from <span class=\"_ _7\"></span>the Merger reserve and Retained earnings, reduced <span class=\"_ _7\"></span>by ordinary dividend payments, distributions on AT1 instruments, share <span class=\"_ _7\"></span>buybacks, impairments in investments in subsidiaries, restricted <span class=\"_ _7\"></span>items in line with section 830 and 831 of <span class=\"_ _7\"></span>the Companies Act 2006. They are increased <span class=\"_ _7\"></span>by profits and the realisation of <span class=\"_ _7\"></span>retained earnings.<span class=\"_ _3eb\"> </span>Own shares<span class=\"_ _3eb\"> </span>The 2004 Employee Benefit Trust (2004 <span class=\"_ _7\"></span>Trust) is used in conjunction with the <span class=\"_ _7\"></span>Group\u2019s employee share schemes and other employee share-based payments (such as upfront <span class=\"_ _7\"></span>shares and salary shares). Computershare Trustees (Jersey) <span class=\"_ _7\"></span>Limited is the trustee of the 2004 Trust. Group <span class=\"_ _7\"></span>companies fund the 2004 Trust from time <span class=\"_ _7\"></span>to time to enable the trustees <span class=\"_ _7\"></span>to acquire shares in<span class=\"_ gs36\"> </span>Standard Chartered PLC to satisfy these <span class=\"_ _7\"></span>arrangements. Details of the shares purchased and <span class=\"_ _7\"></span>held by the 2004 Trust are set <span class=\"_ _7\"></span>out below. <table class=\"s wbd7 h285\" id=\"_935a2f84-410a-4f26-95dc-b7ff18e20f88\"><tr><td></td><td class=\"c n x16d5 y69fc wbd8 h205\"><div class=\"t m0 x1ed h39 y65c3 ff1 fs17 fc3 sc0 ls21 ws0\">2004<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16d6 y69fc w63c h205\"><div class=\"t m0 x1ed h39 y65c3 ff1 fs17 fc3 sc0 ls21 ws0\">Trust<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td class=\"c n x804 y69fd w36d h215\"><div class=\"t m0 x1ed h38 y6563 ff5 fs17 fc0 sc0 ls21 ws20\">2025<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16d7 y69fd w46b h205\"><div class=\"t m0 x1ed h38 y6563 ff1 fs17 fc3 sc0 ls21 ws20\">2024<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y658e wbd9 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Shares purchased during the period<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16d8 y658e wb87 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">24,477,541<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16d9 y658e wbda h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">19,604,557<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6659 wbdb h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">Market price of shares purchased ($million)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16da y6659 wbdc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">508<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16db y6659 w50c h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">223<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6566 wbdd h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Shares held at the end of the period<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16dc y6566 wbde h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">16,474,859<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16dd y6566 wbdf h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">17,589,987<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6567 wbe0 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Maximum number of shares held during the period<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16de y6567 wbe1 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">25,082,882<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa98 y6567 wbe2 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">28,085,688<span class=\"_ _3eb\"> </span></div></td></tr></table>Except as disclosed, neither the Company <span class=\"_ _7\"></span>nor any of its subsidiaries has bought, <span class=\"_ _7\"></span>sold or redeemed any securities of <span class=\"_ _7\"></span>the Company listed on The Stock Exchange <span class=\"_ _7\"></span>of Hong Kong Limited during the period.<span class=\"_ _3eb\"> </span>Computershare Trustees (Jersey) Limited abstains from <span class=\"_ _7\"></span>voting on the Standard Chartered PLC shares <span class=\"_ _7\"></span>held in the 2004 Trust.<span class=\"_ _3eb\"> </span>Dividend waivers<span class=\"_ _3eb\"> </span>The trustees of the 2004 Trust, which holds ordinary shares in Standard Chartered PLC in connection with the operation of<span class=\"_ gs36\"> </span>its<span class=\"_ gs36\"> </span>employee share plans, waive any dividend <span class=\"_ _7\"></span>on the balance of ordinary shares that <span class=\"_ _7\"></span>have not been allocated to employees, except for 0.01p per share.<span class=\"_ _3eb\"> </span>Changes in share <span class=\"_ _7\"></span>capital and <span class=\"_ _7\"></span>other equity instruments <span class=\"_ _7\"></span>of Standard <span class=\"_ _7\"></span>Chartered PLC subsidiaries<span class=\"_ _3eb\"> </span>The table below details the transactions <span class=\"_ _7\"></span>in equity instruments (including convertible and hybrid <span class=\"_ _7\"></span>instruments) of the Group\u2019s subsidiaries, including issuances, conversions, redemptions, purchase <span class=\"_ _7\"></span>or cancellation during the financial year. This <span class=\"_ _7\"></span>is required under the Hong Kong Listing requirements, <span class=\"_ _7\"></span>appendix D2 paragraph 10.<span class=\"_ _3eb\"> </span><table class=\"s wbe3 h286\" id=\"_304bc7af-c51f-4e57-bd17-08217eca3cf1\"><tr><td></td><td class=\"t m0 x404 h2c y69fe ff4 fs17 fc3 sc0 ls21 ws20\">Description of<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xb9a h2c y69fe ff4 fs17 fc3 sc0 ls21 ws20\">Issued/(redeemed) </td><td class=\"t m0 x9d4 h2c y69fe ff4 fs17 fc3 sc0 ls21 ws20\">Issued/(redeemed) </td></tr><tr><td class=\"t m0 x221 h3b y69ff ff1 fs5 fc3 sc0 ls5 ws5\">Name<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x16df h39 y69ff ff1 fs17 fc3 sc0 ls21 ws20\">Shares<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x8b5 h39 y69ff ff1 fs17 fc3 sc0 ls21 ws20\">Shares<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xf4d h39 y69ff ff1 fs17 fc3 sc0 ls21 ws20\">capital<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c n x1ee y6555 wbe4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Anchorpoint Financial Limited<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16e0 y6555 wbe5 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">HKD<span class=\"_ gs1a1\"> </span>Ordinary<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16e1 y6555 wbe6 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">9,360,000<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16e2 y6555 wbe7 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">HKD93,600,000<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6556 wbe8 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Appro Onboarding Solutions FZ-LLC<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16e3 y6556 wbe9 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">AED1,000.00 Ordinary<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16e4 y6556 wbea h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">55,609<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16e5 y6556 wbeb h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">AED55,609,000<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6a00 wbec h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Audax Financial Technology Pte. Ltd<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16e6 y6a00 wbed h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">US$1.00 Ordinary<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16e7 y6a00 wbee h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">8,600,000<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16e8 y6a00 wbef h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">USD8,600,000<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6a01 wbf0 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">CashEnable Pte. Ltd.<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16e9 y6a01 wbf1 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">US$<span class=\"_ gs1a1\"> </span>Ordinary<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16ea y6a01 wbf2 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">4,200,000<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16eb y6a01 wbf3 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">USD4,200,000<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6559 wbf4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Financial Inclusion Technologies Ltd<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16ec y6559 wbf5 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">US$<span class=\"_ gs1a1\"> </span>Ordinary<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16ed y6559 wbf6 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">17,513,444<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16ee y6559 w52f h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">USD17,513,444<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y655a wbf7 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Fourtwothree Pte. Ltd<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16ef y655a wbf8 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">US$ Ordinary<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16f0 y655a wbf9 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">2,300,000<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16f1 y655a wbfa h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">USD2,300,000<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y655b wbfb h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Furaha Holding Ltd<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16f2 y655b wbed h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">US$1.00 Ordinary<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16f3 y655b wbfc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">8,500,000<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16f4 y655b wbfd h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">USD8,500,000<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y655c wbfe h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Letsbloom India Private Limited<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16f5 y655c wbff h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">INR10.00 Equity<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16f6 y655c wc00 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">3,815,713<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16f7 y655c wc01 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">INR38,157,130<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y655d wc02 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Letsbloom Pte. Ltd.<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16f8 y655d wc03 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">US$<span class=\"_ gs1a1\"> </span>Ordinary-A<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16f9 y655d wb76 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">1,470,000<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16fa y655d wc04 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">USD1,470,000<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6573 wc05 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Libeara (Singapore) Pte. Ltd.<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16fb y6573 wc06 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">US$ Ordinary<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16fc y6573 wc07 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">4,300,000<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16fd y6573 wc08 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">USD4,300,000<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y667a wc09 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Libeara Pte. Ltd.<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16fe y667a wbf8 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">US$ Ordinary<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16ff y667a wc0a h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">3,500,000<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1700 y667a wc0b h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">USD3,500,000<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6646 wc0c h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Mox Bank Limited<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x573 y6646 wc0d h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">HKD<span class=\"_ gs1a1\"> </span>Ordinary<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1701 y6646 wc0e h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">93,840,000<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1702 y6646 wc0f h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">HKD938,400,000<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6561 wc10 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">myZoi Financial Inclusion Technologies LLC<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1703 y6561 wc11 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">AED1.00 Ordinary<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1704 y6561 wc12 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">40,000,000<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1705 y6561 w529 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">AED40,000,000<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6562 wc13 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Power2SME Pte. Ltd.<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1706 y6562 wc14 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">US$<span class=\"_ gs1a1\"> </span>Ordinary<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1707 y6562 wc15 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">9,175,676<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1708 y6562 wc16 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">USD9,175,676<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6610 wc17 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">PT Labamu Sejahtera Indonesia<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1709 y6610 wc18 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">IDR10,000.00 Ordinary<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x170a y6610 wc19 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">6,090,299<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x170b y6610 wc1a h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">IDR60,902,990,000<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6577 wc1b h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Qatalyst Pte. Ltd.<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x170c y6577 wbed h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">US$1.00 Ordinary<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x170d y6577 wc1c h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">1,100,000<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x170e y6577 wc1d h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">USD1,100,000<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6566 wc1e h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">SC Ventures Holdings Limited<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x170f y6566 wbed h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">US$1.00 Ordinary<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1710 y6566 wc1f h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">44,190,000<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1711 y6566 wc20 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">USD44,190,000<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6567 wc21 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">SCV Master Holding Company Pte. Ltd.<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1712 y6567 wc14 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">US$<span class=\"_ gs1a1\"> </span>Ordinary<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1713 y6567 wc22 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">66,200,000<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1714 y6567 wba4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">USD66,200,000<span class=\"_ _3eb\"> </span></div></td></tr></table><table class=\"s wc2c h288\" id=\"_0ad854ff-695d-4dd6-89c9-1a1ed052b9e3\"><tr><td></td><td class=\"t m0 x4be h2c y6a04 ff4 fs17 fc3 sc0 ls21 ws20\">Description of<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1053 h2c y6a04 ff4 fs17 fc3 sc0 ls21 ws20\">Issued/(redeemed) </td><td class=\"t m0 x2ea h2c y6a04 ff4 fs17 fc3 sc0 ls21 ws20\">Issued/(redeemed) </td></tr><tr><td class=\"t m0 x235 h3b y6a05 ff1 fs5 fc3 sc0 ls5 ws5\">Name<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1721 h39 y6a05 ff1 fs17 fc3 sc0 ls21 ws20\">Shares<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x127c h39 y6a05 ff1 fs17 fc3 sc0 ls21 ws20\">Shares<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xbf0 h39 y6a05 ff1 fs17 fc3 sc0 ls21 ws20\">capital<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c n x1ee y656c wc2d h1ff\"><div class=\"t m0 x1ed h1a y6640 ff4 fs5 fc3 sc0 ls5 ws5\">SCV Research and Development Pte. Ltd.<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1722 y656c wc2e h1ff\"><div class=\"t m0 x1ed h1a y6640 ff4 fs5 fc3 sc0 ls5 ws5\">US$<span class=\"_ gs1a1\"> </span>Ordinary-A<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1723 y656c wc2f h1ff\"><div class=\"t m0 x1ed h1a y6640 ff4 fs5 fc3 sc0 ls5 ws5\">18,526,896<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1724 y656c wc30 h1ff\"><div class=\"t m0 x1ed h1a y6640 ff4 fs5 fc3 sc0 ls5 ws5\">USD18,526,896<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y656d wc31 h1ff\"><div class=\"t m0 x1ed h1a y6640 ff4 fs5 fc3 sc0 ls5 ws5\">Sky Harmony Holdings Limited<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1725 y656d wc32 h1ff\"><div class=\"t m0 x1ed h1a y6640 ff4 fs5 fc3 sc0 ls5 ws5\">USD1.00 Ordinary<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1726 y656d w41a h1fe\"><div class=\"t m0 x1ed h1a y6640 ff1 fs5 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x68c y656d wc33 h1fe\"><div class=\"t m0 x1ed h1a y6640 ff1 fs5 fc3 sc0 ls5 ws5\">USD1<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6a06 wc34 h1ff\"><div class=\"t m0 x1ed h1a y6640 ff4 fs5 fc3 sc0 ls5 ws5\">Solv Vietnam Company Limited<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb28 y6a06 wc35 h1ff\"><div class=\"t m0 x1ed h1a y6640 ff4 fs5 fc3 sc0 ls5 ws5\">VND<span class=\"_ gs1a1\"> </span>Charter<span class=\"_ gs1a1\"> </span>Capital<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1727 y6a06 wc36 h1ff\"><div class=\"t m0 x1ed h1a y6640 ff4 fs5 fc3 sc0 ls5 ws5\">12,845,000,000<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1728 y6a06 wc37 h1ff\"><div class=\"t m0 x1ed h1a y6640 ff4 fs5 fc3 sc0 ls5 ws5\">VND12,845,000,000<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6a07 wc38 h1fe\"><div class=\"t m0 x1ed h1a y6640 ff1 fs5 fc3 sc0 ls5 ws0\">Solvezy Technology Ghana Ltd<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1729 y6a07 wc39 h1ff\"><div class=\"t m0 x1ed h1a y6640 ff4 fs5 fc3 sc0 ls5 ws5\">GHS<span class=\"_ gs1a1\"> </span>Ordinary<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x172a y6a07 wc3a h1ff\"><div class=\"t m0 x1ed h1a y6640 ff4 fs5 fc3 sc0 ls5 ws5\">40,957,952<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x172b y6a07 wc3b h1ff\"><div class=\"t m0 x1ed h1a y6640 ff4 fs5 fc3 sc0 ls5 ws5\">GHS40,957,952<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6555 wc3c h1ff\"><div class=\"t m0 x1ed h1a y6640 ff4 fs5 fc3 sc0 ls5 ws5\">Solvezy Technology Kenya Limited<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x172c y6555 wc3d h1ff\"><div class=\"t m0 x1ed h1a y6640 ff4 fs5 fc3 sc0 ls5 ws5\">KES1,000.00 Ordinary<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x172d y6555 w5e3 h1ff\"><div class=\"t m0 x1ed h1a y6640 ff4 fs5 fc3 sc0 ls5 ws5\">289,482<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x172e y6555 wc3e h1ff\"><div class=\"t m0 x1ed h1a y6640 ff4 fs5 fc3 sc0 ls5 ws5\">KES289,482,000<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6556 wc3f h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Solv-India Pte. Ltd.<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x172f y6556 wc14 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">US$<span class=\"_ gs1a1\"> </span>Ordinary<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1730 y6556 wc40 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">54,900,000<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1731 y6556 wc41 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">USD54,900,000<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6557 wc42 h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Standard Chartered Bank C\u00f4te d\u2019Ivoire SA<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1732 y6557 wc43 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">XOF100,000.00<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1733 y6557 wd4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">52,566<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1734 y6557 wc44 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">XOF5,256,600,000<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6558 wc45 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Standard Chartered Bank Nigeria Limited<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1735 y6558 wc46 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">NGN1.00 Ordinary<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1736 y6558 wc47 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">9,151,152,653<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1737 y6558 wc48 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">NGN9,151,152,653<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y658b wc49 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Standard Chartered Holdings Limited<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1738 y658b wc4a h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">US$2.00 Ordinary<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1739 y658b wc4b h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">11,624,204<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x173a y658b wc4c h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">USD23,248,408<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6570 wc4d h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Standard Chartered I H Limited<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x173b y6570 wbed h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">US$1.00 Ordinary<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x173c y6570 wc4e h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">23,248,408<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x173d y6570 wc4f h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">USD23,248,408<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6571 wc50 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Standard Chartered Luxembourg S.A.<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x173e y6571 wc51 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">\u20ac1.00 Ordinary<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x173f y6571 wc52 h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">1,500,000<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1740 y6571 wc53 h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">EUR1,500,000<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y69cb wc54 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Standard Chartered Private Equity (Mauritius) Limited<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1741 y69cb wc55 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">US$1.00 Ordinary<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1742 y69cb wc56 h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">500,000<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1743 y69cb wc57 h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">USD500,000<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y655d wc58 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Standard Chartered Private Equity (Mauritius) lll Limited<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1744 y655d wbed h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">US$1.00 Ordinary<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1745 y655d wb76 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">38,813,419<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1746 y655d wc04 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">USD38,813,419<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6573 wc59 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Standard Chartered Research and Technology India Private <span class=\"_ _7\"></span>Limited<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1747 y6573 wbff h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">INR10.00 Equity<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1748 y6573 wc5a h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">34,617,793<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1749 y6573 wc5b h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">INR346,177,930<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6574 wc5c h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Standard Chartered Strategic Investments Limited<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x174a y6574 wc55 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">US$1.00 Ordinary<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x174b y6574 wc5d h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">5,949,826<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x174c y6574 wc5e h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">USD5,949,826<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6560 wc5f h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">TASConnect (Malaysia) Sdn. Bhd.<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x174d y6560 wc60 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">RM5.00 Ordinary<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x174e y6560 wc61 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">687,900<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x174f y6560 wc62 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">MYR3,439,500<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6575 wc63 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Trust Bank Singapore Limited<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1750 y6575 wc64 h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">SGD Ordinary<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1751 y6575 wc65 h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">25,000,000<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1752 y6575 wc66 h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">SGD25,000,000<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y658d wc67 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Zodia Custody (Europe) S.A.<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1753 y658d wc68 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">\u20ac100.00 Ordinary<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1754 y658d wc69 h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">300<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1755 y658d wc6a h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">EUR30,000<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y658e wc6b h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Zodia Holdings Limited<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1756 y658e wc55 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">US$1.00 Ordinary<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1757 y658e wc6c h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">41,401,604<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1758 y658e wc6d h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">USD41,401,604<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6659 wc6e h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Zodia Markets (AME) Limited<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1759 y6659 wc14 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">US$<span class=\"_ gs1a1\"> </span>Ordinary<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x175a y6659 wc6f h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">1,200,000<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x175b y6659 wc70 h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">USD1,200,000<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6826 wc71 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Zodia Markets (Jersey) Limited<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x175c y6826 wc14 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">US$<span class=\"_ gs1a1\"> </span>Ordinary<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x175d y6826 wc72 h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">10,000<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x175e y6826 wc73 h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">USD10,000<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6567 wc74 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Zodia Markets Holdings Limited<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x175f y6567 wc75 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">US$1.00 Series A<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1760 y6567 w5f h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">4,560<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1761 y6567 wc76 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">USD4,560<span class=\"_ _3eb\"> </span></div></td></tr></table>Please see Note 22 Debt securities <span class=\"_ _7\"></span>in issue for issuances and redemptions of <span class=\"_ _7\"></span>senior notes.<span class=\"_ _3eb\"> </span>Please see Note 27 Subordinated liabilities <span class=\"_ _7\"></span>and other borrowed funds for issuance and <span class=\"_ _7\"></span>redemptions of subordinated liabilities.<span class=\"_ _3eb\"> </span>Please see Note 41 Related undertakings <span class=\"_ _7\"></span>of the Group for subsidiaries liquidated, dissolved <span class=\"_ _7\"></span>or sold during the year.",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfReservesAndOtherEquityInterestExplanatory",
    "language": "en",
    "entity": "scheme:U4LOSYZ7YG4W3S5F2G91",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-670": {
   "value": "28. Share capital, <span class=\"_ _1b\"></span>other equity instruments and <span class=\"_ _7\"></span>reserves<span class=\"_ _3eb\"> </span>Accounting policy<span class=\"_ _3eb\"> </span>Securities which carry a discretionary coupon <span class=\"_ _7\"></span>and have no fixed maturity or redemption <span class=\"_ _7\"></span>date are classified as other equity instruments. Interest payments on these securities <span class=\"_ _7\"></span>are recognised, net of tax, as distributions <span class=\"_ _7\"></span>from equity in the period in which they are paid. Where the Company or other members of the consolidated Group purchase the Company\u2019s equity share capital, the consideration paid is deducted from the <span class=\"_ _7\"></span>total shareholders\u2019 equity of the Group and/or <span class=\"_ _7\"></span>of the Company as treasury shares until they are cancelled. Where such <span class=\"_ _7\"></span>shares are subsequently sold or reissued, any <span class=\"_ _7\"></span>consideration received is included in shareholders\u2019 equity of the Group and/or <span class=\"_ _7\"></span>the Company.<span class=\"_ _3eb\"> </span><table class=\"s wb54 h282\" id=\"_3cfc0942-7635-4792-989f-0ddfc8f92d0c\"><tr><td></td><td></td><td></td><td></td><td class=\"t m0 x13ea h38 y69e7 ff5 fs17 fc0 sc0 ls21 ws20\">Preference </td><td class=\"t m0 x162c h38 y69e7 ff5 fs17 fc0 sc0 ls21 ws20\">Total share </td><td></td></tr><tr><td></td><td class=\"t m0 x162d h38 y69e8 ff5 fs17 fc0 sc0 ls21 ws20\">Number of </td><td class=\"t m0 x2c7 h38 y69e8 ff5 fs17 fc0 sc0 ls21 ws20\">Ordinary<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1051 h38 y69e8 ff5 fs17 fc0 sc0 ls21 ws20\">Ordinary </td><td class=\"t m0 x2f2 h38 y69e8 ff5 fs17 fc0 sc0 ls21 ws20\">share capital and<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xc2a h38 y69e8 ff5 fs17 fc0 sc0 ls21 ws20\">capital<span class=\"_ gs40f\"> </span>and </td><td class=\"t m0 x1277 h38 y69e8 ff5 fs17 fc0 sc0 ls21 ws20\">Other equity </td></tr><tr><td></td><td class=\"t m0 x162e h38 y69e9 ff5 fs17 fc0 sc0 ls21 ws20\">ordinary shares<span class=\"_ _3eb\"> </span></td><td class=\"c xc58 y69ea wb55 h21b\"><div class=\"t m0 x1ed h38 y6563 ff5 fs17 fc0 sc0 ls21 ws20\">share capital</div><div class=\"t m0 x162f ha7 y65fd ff5 fs19 fc0 sc0 ls0 ws0\">1</div></td><td class=\"t m0 x13e9 h38 y69e9 ff5 fs17 fc0 sc0 ls21 ws20\">Share premium<span class=\"_ _3eb\"> </span></td><td class=\"c x1242 y69ea wb56 h21b\"><div class=\"t m0 x1ed h38 y6563 ff5 fs17 fc0 sc0 ls21 ws20\">share premium</div><div class=\"t m0 x1241 ha7 y65fd ff5 fs19 fc0 sc0 ls0 ws0\">2</div></td><td class=\"t m0 xbef h38 y69e9 ff5 fs17 fc0 sc0 ls21 ws20\">share premium<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1630 h38 y69e9 ff5 fs17 fc0 sc0 ls21 ws20\">instruments<span class=\"_ _3eb\"> </span></td></tr><tr><td></td><td class=\"t m0 x1631 h38 y69eb ff5 fs17 fc0 sc0 ls21 ws20\">million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x2c9 h38 y69eb ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x4be h38 y69eb ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x2fa h38 y69eb ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x233 h38 y69eb ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x4c2 h38 y69eb ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c n x1ee y69ec wb57 h203\"><div class=\"t m0 x1ed h1a y65de ff5 fs5 fc3 sc0 ls5 ws5\">At 1 January 2024<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1632 y69ec w7a0 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">2,665<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1633 y69ec wb58 h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">1,332<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1634 y69ec w98 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">3,989<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x146c y69ec wb59 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">1,494<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1635 y69ec w211 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">6,815<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1636 y69ec wb5a h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">5,512<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x235 h1a y69ed ff4 fs5 fc3 sc0 ls5 ws5\">Cancellation of shares including share </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y69ee wb5b h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">buyback<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1637 y69ee wb5c h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(240)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1638 y69ee wb5d h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(120)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb85 y69ee w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb86 y69ee w1cf h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1639 y69ee w209 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(120)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1125 y69ee w1cf h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y681f wb5e h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Additional Tier 1 equity issuance</div><div class=\"t m0 x163a h3c y660d ff1 fs1b fc3 sc0 ls0 ws0\">4<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15e6 y681f w2bc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15e7 y681f w2bc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15e8 y681f w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15e9 y681f w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x163b y681f w1cf h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x163c y681f w211 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">1,568<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y6820 wb5f h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Additional Tier 1 Redemption</div><div class=\"t m0 x163d h3c y660d ff1 fs1b fc3 sc0 ls0 ws0\">5<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15e6 y6820 w2bc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15e7 y6820 w2bc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15e8 y6820 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15e9 y6820 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x163b y6820 w1cf h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x163e y6820 w215 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(553)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y69ef wb60 h25c\"><div class=\"t m0 x1ed h3b y6600 ff1 fs5 fc3 sc0 ls5 ws0\">Other movements</div><div class=\"t m0 x4c3 h3c y667e ff1 fs1b fc3 sc0 ls0 ws0\">5<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15e6 y69f0 w2bc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15e7 y69f0 w2bc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15e8 y69f0 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15e9 y69f0 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x163b y69f0 w1cf h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x163f y69f0 w3ac h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(25)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y68a8 w8cb h201\"><div class=\"t m0 x1ed h3d y6548 ff5 fs5 fc3 sc0 ls5 ws5\">At 31 December 2024<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1640 y68a8 w724 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">2,425<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1641 y68a8 w1ca h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">1,212<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1642 y68a8 wa15 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">3,989<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1643 y68a8 w8bd h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">1,494<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1644 y68a8 w1b4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">6,695<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1645 y68a8 wb61 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">6,502<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x235 h1a y69f1 ff4 fs5 fc3 sc0 ls5 ws5\">Cancellation of shares including share </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y658d wb5b h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">buyback<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1646 y658d w58a h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(162)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1647 y658d w2b0 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(81)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1648 y658d w1cf h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1649 y658d w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbea y658d w2b0 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(81)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x164a y658d w1cf h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y6658 wb5e h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Additional Tier 1 equity issuance</div><div class=\"t m0 x163a h3c y65df ff1 fs1b fc3 sc0 ls0 ws0\">4<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15e6 y658e w2bc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15e7 y658e w2bc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15e8 y658e w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15e9 y658e w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x163b y658e w1cf h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x164b y658e w80 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">1,989<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y69f2 wb5f h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Additional Tier 1 Redemption</div><div class=\"t m0 x163d h3c y65df ff1 fs1b fc3 sc0 ls0 ws0\">5<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15e6 y6659 w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15e7 y6659 w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15e8 y6659 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15e9 y6659 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x163b y6659 w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x164c y6659 w2fa h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(1,000)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y69f3 waab h231\"><div class=\"t m0 x1ed h3b y6600 ff1 fs5 fc3 sc0 ls5 ws0\">Other movements</div><div class=\"t m0 x4c3 h3c y667e ff1 fs1b fc3 sc0 ls0 ws0\">3<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15e6 y6826 w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15e7 y6826 w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15e8 y6826 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15e9 y6826 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x163b y6826 w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x164d y6826 w124 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">37<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6567 w8b6 h203\"><div class=\"t m0 x1ed h3d y655f ff5 fs5 fc3 sc0 ls5 ws5\">At 31 December 2025<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x164e y6567 wb62 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">2,263<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x164f y6567 wa3 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">1,131<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1650 y6567 wa15 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">3,989<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1651 y6567 w8bd h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">1,494<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1652 y6567 wb63 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">6,614<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1653 y6567 w132 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">7,528<span class=\"_ _3eb\"> </span></div></td></tr></table>1 <span class=\"_ _b\"> </span><span class=\"ff4\">Issued and fully paid ordinary shares of 50 cents each.<span class=\"_ _3eb\"> </span></span>2 <span class=\"_ _f\"> </span><span class=\"ff4\">Includes preference share capital of $75,000.<span class=\"_ _3eb\"> </span></span>3 <span class=\"_ _f\"> </span><span class=\"ff4\">2025 include transfer of $25 million realised translation loss on redemption of AT1 <span class=\"_ _7\"></span>securities of SGD 750 million to retained earnings. </span>4 <span class=\"_ _e\"> </span><span class=\"ff4\">Movement in 2025 relates to $994 million and $995 million fixed rate <span class=\"_ _7\"></span>resetting perpetual subordinated contingent convertible AT1 securities issued <span class=\"_ _7\"></span>by Standard </span>Chartered PLC. Movement in 2024 includes $993 million <span class=\"_ _7\"></span>and $575 million (SGD 750 million) fixed rate <span class=\"_ _7\"></span>resetting perpetual subordinated contingent convertible AT1<span class=\"_ gs1a2\"> </span>securities issued by Standard Chartered PLC.<span class=\"_ _3eb\"> </span>5 <span class=\"_ _f\"> </span><span class=\"ff4\">Movement in 2025 relates to redemption of $1,000 million Fixed <span class=\"_ _7\"></span>Rate Resetting Perpetual Contingent Convertible Securities on its <span class=\"_ _7\"></span>first optional redemption date </span>of<span class=\"_ gs1a2\"> </span>26 July 2025. Movement in 2024 relates to <span class=\"_ _7\"></span>redemption of AT1 securities of SGD 750 million <span class=\"_ _7\"></span>($553 million) and realised translation loss ($25 million) <span class=\"_ _7\"></span>reported in<span class=\"_ gs1a2\"> </span>other<span class=\"_ gs1a2\"> </span>movements.<span class=\"_ _3eb\"> </span>Share buyback<span class=\"_ _3eb\"> </span>On 30 July 2024, the Group <span class=\"_ _7\"></span>announced the buyback programme for a share <span class=\"_ _7\"></span>buyback of its ordinary shares of <span class=\"_ _7\"></span>$0.50 each. Nominal value of share purchases was <span class=\"_ _7\"></span>$69 million, the total consideration paid was <span class=\"_ _7\"></span>$1,500 million, and the buyback completed on 30 January 2025. The total <span class=\"_ _7\"></span>number of shares purchased of 137,562,542 representing <span class=\"_ _7\"></span>5.39 per cent of the ordinary <span class=\"_ _7\"></span>shares in issue at the beginning of the <span class=\"_ _7\"></span>programme. The nominal value of the shares <span class=\"_ _7\"></span>was transferred from the share capital <span class=\"_ _7\"></span>to the capital redemption reserve account. On 21 February 2025, the Group <span class=\"_ _7\"></span>announced the buyback programme for a share <span class=\"_ _7\"></span>buyback of its ordinary shares of <span class=\"_ _7\"></span>$0.50 each. Nominal value of share purchases was <span class=\"_ _7\"></span>$49 million, the total consideration paid was <span class=\"_ _7\"></span>$1,500 million, and the buyback completed on 30 July 2025. The total <span class=\"_ _7\"></span>number of shares purchased of 98,162,451 representing <span class=\"_ _7\"></span>4.07 per cent of the ordinary <span class=\"_ _7\"></span>shares in issue at<span class=\"_ gs36\"> </span>the beginning of the programme. The <span class=\"_ _7\"></span>nominal value of the shares was transferred <span class=\"_ _7\"></span>from the share capital to the <span class=\"_ _7\"></span>capital redemption reserve account. On 31 July 2025, the Group <span class=\"_ _7\"></span>announced the buyback programme for a share <span class=\"_ _7\"></span>buyback of its ordinary shares of <span class=\"_ _7\"></span>$0.50 each. As<span class=\"_ gs36\"> </span>at<span class=\"_ gs36\"> </span>31 December 2025, nominal value of <span class=\"_ _7\"></span>share purchases was $27 million, the total <span class=\"_ _7\"></span>consideration paid was $1,073 million and the total number of shares purchased <span class=\"_ _7\"></span>was 53,061,718, representing 2.29 per cent of <span class=\"_ _7\"></span>the ordinary shares in issue at <span class=\"_ _7\"></span>the beginning of the programme. <span class=\"_ _7\"></span>The buyback was <span class=\"_ _1b\"></span>completed on 26 January 2026 <span class=\"_ _7\"></span>with a further <span class=\"_ _7\"></span>$227million consideration <span class=\"_ _7\"></span>paid and recognised as irrevocable obligation to buyback shares. <span class=\"_ _7\"></span>The nominal value of the shares was <span class=\"_ _7\"></span>transferred from the share capital to <span class=\"_ _7\"></span>the capital redemption reserve account.<span class=\"_ _3eb\"> </span>The shares were purchased by Standard <span class=\"_ _7\"></span>Chartered PLC on various exchanges not including <span class=\"_ _7\"></span>the Hong Kong Stock Exchange.<span class=\"_ _3eb\"> </span><table class=\"s wb64 h283\" id=\"_3125e88a-28b3-4255-8a90-98ad358f19a4\"><tr><td></td><td></td><td></td><td></td><td class=\"t m0 x5fb h39 y69f4 ff1 fs17 fc3 sc0 ls21 ws20\">Average </td><td></td><td></td></tr><tr><td></td><td></td><td class=\"t m0 x8bc h39 y69f5 ff1 fs17 fc3 sc0 ls21 ws20\">Highest </td><td class=\"t m0 x11c0 h39 y69f5 ff1 fs17 fc3 sc0 ls21 ws20\">Lowest </td><td class=\"t m0 x158b h39 y69f5 ff1 fs17 fc3 sc0 ls21 ws0\">price paid </td><td class=\"t m0 x158c h39 y69f5 ff1 fs17 fc3 sc0 ls21 ws20\">Aggregate<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1654 h39 y69f5 ff1 fs17 fc3 sc0 ls21 ws20\">Aggregate<span class=\"_ _3eb\"> </span></td></tr><tr><td></td><td class=\"t m0 x53f h39 y69f6 ff1 fs17 fc3 sc0 ls21 ws0\">Number of </td><td class=\"t m0 xb98 h39 y69f6 ff1 fs17 fc3 sc0 ls21 ws0\">price Paid<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1557 h39 y69f6 ff1 fs17 fc3 sc0 ls21 ws0\">price paid </td><td class=\"t m0 xf49 h39 y69f6 ff1 fs17 fc3 sc0 ls21 ws0\">per share</td><td class=\"t m0 x9cf h39 y69f6 ff1 fs17 fc3 sc0 ls21 ws0\"> price paid</td><td class=\"t m0 xeb6 h39 y69f6 ff1 fs17 fc3 sc0 ls21 ws0\"> price paid<span class=\"_ _3eb\"> </span></td></tr><tr><td></td><td class=\"t m0 x1655 h39 y69f7 ff1 fs17 fc3 sc0 ls21 ws0\">ordinary shares<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1656 h2c y69f7 ff4 fs17 fc3 sc0 ls0 ws0\">\u00a3<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x531 h2c y69f7 ff4 fs17 fc3 sc0 ls0 ws0\">\u00a3<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1657 h2c y69f7 ff4 fs17 fc3 sc0 ls0 ws0\">\u00a3<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x9d7 h2c y69f7 ff4 fs17 fc3 sc0 ls0 ws0\">\u00a3<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1658 h2c y69f7 ff4 fs17 fc3 sc0 ls0 ws0\">$<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c n x1ee y655b wb65 h1fe\"><div class=\"t m0 x1ed h1a y6640 ff1 fs5 fc3 sc0 ls5 ws0\">January 2025<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1659 y655b wb66 h1ff\"><div class=\"t m0 x1ed h1a y6640 ff4 fs5 fc3 sc0 ls5 ws5\">11,300,128<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x165a y655b wb67 h1ff\"><div class=\"t m0 x1ed h1a y6640 ff4 fs5 fc3 sc0 ls5 ws5\">10.87<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x165b y655b wb68 h1ff\"><div class=\"t m0 x1ed h1a y6640 ff4 fs5 fc3 sc0 ls5 ws5\">9.704<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x165c y655b w29c h1ff\"><div class=\"t m0 x1ed h1a y6640 ff4 fs5 fc3 sc0 ls5 ws5\">10.4136<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x165d y655b wb69 h1ff\"><div class=\"t m0 x1ed h1a y6640 ff4 fs5 fc3 sc0 ls5 ws5\">117,671,362<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x165e y655b wb6a h1ff\"><div class=\"t m0 x1ed h1a y6640 ff4 fs5 fc3 sc0 ls5 ws5\">145,286,293<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y655c wb6b h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">February 2025<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x165f y655c wb6c h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">3,395,890<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1660 y655c w319 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">12.725<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1661 y655c w41f h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">11.79<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1662 y655c w342 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">12.33<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1663 y655c wb6d h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">41,849,427<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1664 y655c wb6e h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">52,884,831<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y655d wb6f h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">March 2025<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1665 y655d wb70 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">24,636,534<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1666 y655d wb71 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">12.81<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1667 y655d wb67 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">11.175<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1668 y655d wb72 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">11.8839<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1669 y655d wb73 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">292,546,496<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x166a y655d wb74 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">377,784,647<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6573 wb75 h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">April 2025<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x166b y6573 wb76 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">19,971,649<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x166c y6573 wb77 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">11.545<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x166d y6573 w2c6 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">8.728<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x166e y6573 wb78 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">10.201<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x166f y6573 wb79 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">201,750,555<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1670 y6573 wb7a h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">264,351,775<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6574 wb7b h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">May 2025<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1671 y6574 wb7c h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">18,340,963<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10d0 y6574 wb4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">11.755<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1672 y6574 wb7d h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">10.385<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1673 y6574 wb7e h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">11.2748<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1674 y6574 wb7f h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">205,669,905<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1675 y6574 wb80 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">274,781,456<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6560 wb81 h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">June 2025<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1676 y6560 wb82 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">15,903,416<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1677 y6560 wb83 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">12.2<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1678 y6560 wb84 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">11.16<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1679 y6560 wb85 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">11.7<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x167a y6560 wb86 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">186,026,636<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x167b y6560 wb87 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">252,365,331<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6575 wb88 h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">July 2025<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x167c y6575 w90b h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">15,913,999<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x167d y6575 w1ca h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">13.78<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x167e y6575 wb89 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">11.675<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x167f y6575 wb8a h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">12.9343<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1680 y6575 wb8b h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">205,721,926<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1681 y6575 wb8c h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">277,831,848<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6562 wb8d h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">August 2025<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1682 y6562 wb8e h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">10,425,043<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1683 y6562 wb8f h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">14.31<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1684 y6562 w392 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">12.855<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1685 y6562 wa25 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">13.7655<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1686 y6562 wb90 h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">143,350,111<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1687 y6562 wb91 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">192,812,669<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6610 wb92 h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">September 2025<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1688 y6610 w754 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">11,517,686<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1689 y6610 wb93 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">14.65<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x168a y6610 w202 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">13.545<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x168b y6610 wb94 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">14.1412<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x168c y6610 wb95 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">162,803,283<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x168d y6610 wb96 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">219,854,779<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6577 wb97 h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">October 2025<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x168e y6577 wb98 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">10,604,541<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x168f y6577 wb99 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">15.645<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1690 y6577 wb42 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">13.515<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1691 y6577 wb9a h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">14.5063<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1692 y6577 wb9b h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">153,001,512<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1693 y6577 wb9c h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">204,574,723<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6566 wb9d h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">November 2025<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1694 y6566 wb9e h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">9,494,913<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1695 y6566 wb9f h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">16.83<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1696 y6566 wba0 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">15.255<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1697 y6566 wba1 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">16.0656<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1698 y6566 wba2 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">152,484,758<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1699 y6566 wba3 h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">200,451,254<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6567 wba4 h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">December 2025<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x169a y6567 wba5 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">11,019,535<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x169b y6567 wba6 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">18.345<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x169c y6567 wba7 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">16.235<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x169d y6567 wba8 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">17.4014<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x169e y6567 wba9 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">191,126,325<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x169f y6567 wbaa h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">255,662,097<span class=\"_ _3eb\"> </span></div></td></tr></table>Ordinary share capital In accordance with the Companies Act <span class=\"_ _7\"></span>2006 the Company does not have authorised <span class=\"_ _7\"></span>share capital. The nominal value of <span class=\"_ _7\"></span>each ordinary share is 50 cents.<span class=\"_ _3eb\"> </span>During the period nil shares were <span class=\"_ _7\"></span>issued under employee share plans. Preference share capital<span class=\"_ _3eb\"> </span>At 31 December 2025, the Company <span class=\"_ _7\"></span>has 15,000 $5 non-cumulative redeemable preference shares <span class=\"_ _7\"></span>in issue, with a premium of<span class=\"_ gs36\"> </span>$99,995 making a paid up amount <span class=\"_ _7\"></span>per preference share of $100,000. The preference <span class=\"_ _7\"></span>shares are redeemable at the option of<span class=\"_ gs36\"> </span>the Company and are classified in <span class=\"_ _7\"></span>equity.<span class=\"_ _3eb\"> </span>The available profits of the Company <span class=\"_ _7\"></span>are distributed to the holders of the <span class=\"_ _7\"></span>issued preference shares in priority to <span class=\"_ _7\"></span>payments made to holders of the ordinary shares <span class=\"_ _7\"></span>and in priority to, or pari passu <span class=\"_ _7\"></span>with, any payments to the holders <span class=\"_ _7\"></span>of any other class of shares <span class=\"_ _7\"></span>in issue. On a winding up, the <span class=\"_ _7\"></span>assets of the Company are applied to <span class=\"_ _7\"></span>the holders of the preference shares <span class=\"_ _7\"></span>in priority to any payment to the ordinary shareholders and in <span class=\"_ _7\"></span>priority to, or pari passu with, the <span class=\"_ _7\"></span>holders of any other shares in <span class=\"_ _7\"></span>issue, for an amount equal to<span class=\"_ gs36\"> </span>any dividends payable (on approval of <span class=\"_ _7\"></span>the Board) and the nominal value of <span class=\"_ _7\"></span>the shares together with any premium <span class=\"_ _7\"></span>as determined by the Board. The redeemable <span class=\"_ _7\"></span>preference shares are redeemable at the paid <span class=\"_ _7\"></span>up amount (which includes premium) at the option of the Company <span class=\"_ _7\"></span>in accordance with the terms of the <span class=\"_ _7\"></span>shares. The holders of the preference <span class=\"_ _7\"></span>shares are not entitled to attend or vote at any <span class=\"_ _7\"></span>general meeting except where any relevant dividend <span class=\"_ _7\"></span>due is not paid in full <span class=\"_ _7\"></span>or where a resolution is proposed varying the rights of the <span class=\"_ _7\"></span>preference shares.<span class=\"_ _3eb\"> </span>Other equity instruments<span class=\"_ _3eb\"> </span>The table provides details of outstanding <span class=\"_ _7\"></span>Fixed Rate Resetting Perpetual Subordinated Contingent Convertible <span class=\"_ _7\"></span>AT1 securities issued by Standard Chartered PLC. All <span class=\"_ _7\"></span>issuances are made for general business purposes <span class=\"_ _7\"></span>and to increase the regulatory capital base of the Group.<span class=\"_ _3eb\"> </span><table class=\"s wbab h284\" id=\"_31db3da3-ed37-4d43-a8e0-13e8a4511f31\"><tr><td></td><td></td><td class=\"t m0 x1555 h39 y69f8 ff1 fs17 fc3 sc0 ls21 ws0\">Proceeds net of <span class=\"ls0\"> </span></td><td></td><td></td><td></td><td class=\"t m0 x1654 h39 y69f8 ff1 fs17 fc3 sc0 ls21 ws20\">Conversion <span class=\"ls0 ws0\"> </span></td></tr><tr><td></td><td class=\"t m0 x16a0 h39 y69f9 ff1 fs17 fc3 sc0 ls21 ws0\">Nominal value<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x16a1 h39 y69f9 ff1 fs17 fc3 sc0 ls21 ws0\">issue costs<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x161d h39 y69f9 ff1 fs17 fc3 sc0 ls21 ws20\">Interest </td><td></td><td></td><td class=\"t m0 x7bd h39 y69f9 ff1 fs17 fc3 sc0 ls21 ws0\">price per<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"t m0 x221 h39 y69fa ff1 fs17 fc3 sc0 ls21 ws0\">Issuance date<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x16a0 h2c y69fa ff4 fs17 fc3 sc0 ls21 ws20\">million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x16a2 h2c y69fa ff4 fs17 fc3 sc0 ls21 ws20\">$ million<span class=\"_ _3eb\"> </span></td><td class=\"c x8f4 y69fb wbac h26a\"><div class=\"t m0 x1ed h39 y6632 ff1 fs17 fc3 sc0 ls21 ws20\">rate</div><div class=\"t m0 x16a3 h3a y6938 ff1 fs19 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c x16a5 y69fb wbad h26a\"><div class=\"t m0 x1ed h39 y6632 ff1 fs17 fc3 sc0 ls21 ws0\">Coupon payment dates each year</div><div class=\"t m0 x16a4 h3a y6938 ff1 fs19 fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td><td class=\"c x16a7 y69fb wbae h26a\"><div class=\"t m0 x1ed h39 y6632 ff1 fs17 fc3 sc0 ls21 ws0\">First reset dates</div><div class=\"t m0 x16a6 h3a y6938 ff1 fs19 fc3 sc0 ls0 ws0\">3<span class=\"_ _3eb\"> </span></div></td><td class=\"c x16a9 y69fb wbaf h26a\"><div class=\"t m0 x1ed h39 y6632 ff1 fs17 fc3 sc0 ls21 ws0\">ordinary share</div><div class=\"t m0 x16a8 h3a y6938 ff1 fs19 fc3 sc0 ls0 ws0\">4<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6574 wbb0 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">14 January 2021<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16aa y6574 w8c7 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">$1,250<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16ab y6574 wb5a h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">1,239<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16ac y6574 wbb1 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">4.75%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16ad y6574 wbb2 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">14 January, 14 July<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16ae y6574 wb80 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">14 July 2031<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16af y6574 w8c8 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">$6.353<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6646 wbb3 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">19 August 2021<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16b0 y6646 wbb4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">$1,500<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16b1 y6646 w3b3 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">1,489<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16b2 y6646 wbb5 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">4.30%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16b3 y6646 wbb6 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">19 February, 19 August<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16b4 y6646 wbb7 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">19 August 2028<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16b5 y6646 wbb8 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">$6.382<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6561 wbb9 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">15 August 2022<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16b6 y6561 w8c7 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">$1,250<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16b7 y6561 wb5a h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">1,239<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16b8 y6561 wbba h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">7.75%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16b9 y6561 wbbb h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">15 February, 15 August<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8c0 y6561 wbbc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">15 February 2028<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16ba y6561 wbbd h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">$7.333<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6562 wbbe h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">08 March 2024<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16bb y6562 wbbf h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">$1,000<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16bc y6562 wbc0 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">993<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16bd y6562 w5b8 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">7.875%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16be y6562 wbc1 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">8 March, 8 <span class=\"_ _7\"></span>September<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16bf y6562 wbc2 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">8 September 2030<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16c0 y6562 wc7 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">$8.216<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6610 wbc3 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">19 September 2024<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16c1 y6610 wbc4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">SGD750<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16c2 y6610 wbc5 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">579<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16c3 y6610 wbc6 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">5.300%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16c4 y6610 wbc7 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">19 March, 19 September<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16c5 y6610 wbc8 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">19 March 2030<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16c6 y6610 wbc9 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">SGD12.929<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6577 wbca h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">16 January 2025<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16c7 y6577 wbcb h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">$1,000<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16c8 y6577 wbcc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">994<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16c9 y6577 wbcd h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">7.625%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16ca y6577 wbce h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">16 January, 16 July<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16cb y6577 wbcf h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">16 July 2032<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16cc y6577 wbd0 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">$12.330<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6566 wbd1 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">14 November 2025<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16cd y6566 wbbf h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">$1,000<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16ce y6566 w3f2 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">995<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16cf y6566 wbd2 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">7.00%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16d0 y6566 wbd3 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">14 May, 14 November<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16d1 y6566 wbd4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">14 May 2036<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16d2 y6566 wbd5 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">$20.760<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td class=\"c n x16d3 y6567 w293 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">Total<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16d4 y6567 wbd6 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">7,528<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td></td><td></td></tr></table>1 <span class=\"_ _b\"> </span><span class=\"ff4\">Interest rates for the period from (and including) the issue date to (but <span class=\"_ _7\"></span>excluding) the first reset date.<span class=\"_ _3eb\"> </span></span>2 <span class=\"_ _f\"> </span><span class=\"ff4\">Interest payable semi-annually in arrears.<span class=\"_ _3eb\"> </span></span>3 <span class=\"_ _f\"> </span><span class=\"ff4\">Securities are resettable each date falling five years, or an integral multiple of <span class=\"_ _7\"></span>five years, after the first reset date.<span class=\"_ _3eb\"> </span></span>4 <span class=\"_ _e\"> </span><span class=\"ff4\">Conversion price set at the time of pricing with reference to closing <span class=\"_ _7\"></span>share price and any applicable discount.<span class=\"_ _3eb\"> </span></span>The AT1 issuances above are primarily <span class=\"_ _7\"></span>purchased by institutional investors.<span class=\"_ _3eb\"> </span>The principal terms of the AT1 <span class=\"_ _7\"></span>securities are described below: <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">The securities are perpetual and redeemable, at the option of Standard Chartered <span class=\"_ _7\"></span>PLC in whole but not in <span class=\"_ _7\"></span>part, on the first </span>interest reset date and each date falling five years after the first reset date <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">The securities are also redeemable for certain regulatory or tax reasons on <span class=\"_ _7\"></span>any date at 100 per cent <span class=\"_ _7\"></span>of their principal amount </span>together with any accrued but unpaid <span class=\"_ _7\"></span>interest up to (but excluding) the date <span class=\"_ _7\"></span>fixed for redemption. Any redemption is <span class=\"_ _7\"></span>subject to Standard Chartered PLC giving notice <span class=\"_ _7\"></span>to the relevant regulator and the regulator <span class=\"_ _7\"></span>granting permission to redeem <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">Interest payments on these securities will be accounted for as a dividend</span> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">Interest on the securities is due and payable only at the sole <span class=\"_ _7\"></span>and absolute discretion of Standard Chartered <span class=\"_ _7\"></span>PLC, subject </span>to<span class=\"_ gs36\"> </span>certain additional restrictions set out in <span class=\"_ _7\"></span>the terms and conditions. Accordingly, Standard Chartered <span class=\"_ _7\"></span>PLC may at any time elect to cancel any interest payment <span class=\"_ _7\"></span>(or part thereof) which would otherwise be <span class=\"_ _7\"></span>payable on any interest payment date <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">The securities convert into ordinary shares of Standard Chartered PLC, at a <span class=\"_ _7\"></span>pre-determined price detailed in the table <span class=\"_ _7\"></span>above, </span>should the fully loaded Common Equity <span class=\"_ _7\"></span>Tier 1 ratio of the Group fall <span class=\"_ _7\"></span>below 7.0 per cent. Approximately 911 <span class=\"_ _7\"></span>million ordinary shares would be required to satisfy <span class=\"_ _7\"></span>the conversion of all the securities mentioned <span class=\"_ _7\"></span>above.<span class=\"_ _3eb\"> </span>The securities rank behind the claims <span class=\"_ _7\"></span>against Standard Chartered PLC of (a) unsubordinated <span class=\"_ _7\"></span>creditors, (b) which are expressed to be subordinated to the claims <span class=\"_ _7\"></span>of unsubordinated creditors of Standard Chartered PLC <span class=\"_ _7\"></span>but not further or otherwise; or <span class=\"_ _7\"></span>(c) which are, or are expressed to <span class=\"_ _7\"></span>be, junior to the claims of other <span class=\"_ _7\"></span>creditors of Standard Chartered PLC, whether <span class=\"_ _7\"></span>subordinated or<span class=\"_ gs36\"> </span>unsubordinated, other than claims which rank, <span class=\"_ _7\"></span>or are expressed to rank, pari passu <span class=\"_ _7\"></span>with, or junior to, the claims <span class=\"_ _7\"></span>of holders of<span class=\"_ gs36\"> </span>the AT1 securities in a winding\u2013up <span class=\"_ _7\"></span>occurring prior to the conversion trigger.<span class=\"_ _3eb\"> </span>Reserves<span class=\"_ _3eb\"> </span>The constituents of the reserves are <span class=\"_ _7\"></span>summarised as follows: <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">The capital reserve represents the exchange difference on redenomination of share capital <span class=\"_ _7\"></span>and share premium from </span>sterling<span class=\"_ gs36\"> </span>to US dollars in 2001. The <span class=\"_ _7\"></span>capital redemption reserve represents the nominal value <span class=\"_ _7\"></span>of preference shares redeemed <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">The amounts in the \u2018Capital and Merger Reserve\u2019 represents the premium arising <span class=\"_ _7\"></span>on shares issued using a cash <span class=\"_ _7\"></span>box financing </span>structure, which required the Company to <span class=\"_ _7\"></span>create a merger reserve under section 612 <span class=\"_ _7\"></span>of the Companies Act 2006. Shares <span class=\"_ _7\"></span>were issued using this structure in 2005 <span class=\"_ _7\"></span>and 2006 to assist in the funding <span class=\"_ _7\"></span>of Korea ($1.9 billion) and Taiwan <span class=\"_ _7\"></span>($1.2 billion) acquisitions, in 2008, 2010 and 2015 <span class=\"_ _7\"></span>for the shares issued by way of <span class=\"_ _7\"></span>a rights issue, primarily for capital <span class=\"_ _7\"></span>maintenance requirements and for the shares issued <span class=\"_ _7\"></span>in 2009 by way of an accelerated <span class=\"_ _7\"></span>book build, the proceeds of which <span class=\"_ _7\"></span>were used in the ordinary course of business of the <span class=\"_ _7\"></span>Group. The funding raised by the 2008, <span class=\"_ _7\"></span>2010 and 2015 rights issues and <span class=\"_ _7\"></span>2009 share issue was fully retained within the <span class=\"_ _7\"></span>Company. Of the 2015 funding, <span class=\"_ _7\"></span>$1.5 billion was used to <span class=\"_ _7\"></span>subscribe to additional equity in <span class=\"_ _7\"></span>Standard Chartered Bank, a wholly owned subsidiary <span class=\"_ _7\"></span>of the Company. Apart from the Korea, <span class=\"_ _7\"></span>Taiwan and Standard Chartered Bank funding, the merger reserve is considered <span class=\"_ _7\"></span>realised and distributable <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">Own credit adjustment reserve represents the cumulative gains and losses on financial <span class=\"_ _7\"></span>liabilities designated at fair </span>value<span class=\"_ gs36\"> </span>through profit or loss relating to <span class=\"_ _7\"></span>own credit. Gains and losses on financial <span class=\"_ _7\"></span>liabilities designated at fair value through profit or<span class=\"_ gs36\"> </span>loss relating to own credit <span class=\"_ _7\"></span>in the year have been taken through <span class=\"_ _7\"></span>other comprehensive income into this reserve. On<span class=\"_ gs36\"> </span>derecognition of applicable instruments the balance <span class=\"_ _7\"></span>of any OCA will not be recycled <span class=\"_ _7\"></span>to the income statement, but will be<span class=\"_ gs36\"> </span>transferred within equity to retained earning <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">Fair value through other comprehensive income (FVOCI) debt reserve represents the unrealised <span class=\"_ _7\"></span>fair value gains and losses </span>in<span class=\"_ gs36\"> </span>respect of financial assets classified as <span class=\"_ _7\"></span>FVOCI, net of expected credit losses and <span class=\"_ _7\"></span>taxation. Gains and losses are deferred in<span class=\"_ gs36\"> </span>this reserve and are reclassified to <span class=\"_ _7\"></span>the income statement when the underlying asset <span class=\"_ _7\"></span>is sold, matures or becomes impaired  <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">FVOCI equity reserve represents unrealised fair value gains and losses in respect <span class=\"_ _7\"></span>of financial assets classified as FVOCI, <span class=\"_ _7\"></span>net </span>of<span class=\"_ gs36\"> </span>taxation. Gains and losses are recorded <span class=\"_ _7\"></span>in this reserve and never recycled to <span class=\"_ _7\"></span>the income statement <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">Cash flow hedge reserve represents the effective portion of the gains and <span class=\"_ _7\"></span>losses on derivatives that meet the <span class=\"_ _7\"></span>criteria for </span>these types of hedges. Gains and <span class=\"_ _7\"></span>losses are deferred in this reserve and <span class=\"_ _7\"></span>are reclassified to the income statement <span class=\"_ _7\"></span>when the<span class=\"_ gs36\"> </span>underlying hedged item affects profit and <span class=\"_ _7\"></span>loss or when a forecast transaction is <span class=\"_ _7\"></span>no longer expected to occur <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ls2\">Translation reserve represents the cumulative foreign exchange gains and losses on translation of the net investment<span class=\"_ _11\"></span> </span>of<span class=\"_ gs36\"> </span>the<span class=\"_ gs36\"> </span>Group in foreign operations. Since 1 <span class=\"_ _7\"></span>January 2004, gains and losses are deferred <span class=\"_ _7\"></span>to this reserve and are reclassified to<span class=\"_ gs36\"> </span>the<span class=\"_ gs36\"> </span>income statement when the underlying foreign <span class=\"_ _7\"></span>operation is disposed. Gains and losses arising <span class=\"_ _7\"></span>from derivatives used as<span class=\"_ gs36\"> </span>hedges of net investments are netted <span class=\"_ _7\"></span>against the foreign exchange gains and losses <span class=\"_ _7\"></span>on translation of the net investment of the foreign operations <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ls2\">Retained earnings represents profits and other comprehensive income earned by the Group and Company in the current<span class=\"_ _11\"></span> </span>and<span class=\"_ gs36\"> </span>prior periods, together with the after <span class=\"_ _7\"></span>tax increase relating to equity-settled share options, <span class=\"_ _7\"></span>less dividend distributions, own shares held (treasury shares) and share <span class=\"_ _7\"></span>buybacks.<span class=\"_ _3eb\"> </span>A substantial part of the Group\u2019s <span class=\"_ _7\"></span>reserves is held in overseas subsidiary undertakings <span class=\"_ _7\"></span>and branches, principally to support local operations or to comply with local <span class=\"_ _7\"></span>regulations. The maintenance of local regulatory capital <span class=\"_ _7\"></span>ratios could potentially restrict the amount of reserves which can be <span class=\"_ _7\"></span>remitted. In addition, if these overseas reserves <span class=\"_ _7\"></span>were to be remitted, further unprovided taxation liabilities might arise.<span class=\"_ _3eb\"> </span>As at 31 December 2025, the <span class=\"_ _7\"></span>distributable reserves of Standard Chartered PLC (the <span class=\"_ _7\"></span>Company) were $14.1 billion (31 December 2024: $14.1 billion). Distributable reserves of <span class=\"_ _7\"></span>the Company were $14.1 billion, which include <span class=\"_ _7\"></span>the distributable portions of retained earnings. Distributable reserves are derived from <span class=\"_ _7\"></span>the Merger reserve and Retained earnings, reduced <span class=\"_ _7\"></span>by ordinary dividend payments, distributions on AT1 instruments, share <span class=\"_ _7\"></span>buybacks, impairments in investments in subsidiaries, restricted <span class=\"_ _7\"></span>items in line with section 830 and 831 of <span class=\"_ _7\"></span>the Companies Act 2006. They are increased <span class=\"_ _7\"></span>by profits and the realisation of <span class=\"_ _7\"></span>retained earnings.<span class=\"_ _3eb\"> </span>Own shares<span class=\"_ _3eb\"> </span>The 2004 Employee Benefit Trust (2004 <span class=\"_ _7\"></span>Trust) is used in conjunction with the <span class=\"_ _7\"></span>Group\u2019s employee share schemes and other employee share-based payments (such as upfront <span class=\"_ _7\"></span>shares and salary shares). Computershare Trustees (Jersey) <span class=\"_ _7\"></span>Limited is the trustee of the 2004 Trust. Group <span class=\"_ _7\"></span>companies fund the 2004 Trust from time <span class=\"_ _7\"></span>to time to enable the trustees <span class=\"_ _7\"></span>to acquire shares in<span class=\"_ gs36\"> </span>Standard Chartered PLC to satisfy these <span class=\"_ _7\"></span>arrangements. Details of the shares purchased and <span class=\"_ _7\"></span>held by the 2004 Trust are set <span class=\"_ _7\"></span>out below. <table class=\"s wbd7 h285\" id=\"_935a2f84-410a-4f26-95dc-b7ff18e20f88\"><tr><td></td><td class=\"c n x16d5 y69fc wbd8 h205\"><div class=\"t m0 x1ed h39 y65c3 ff1 fs17 fc3 sc0 ls21 ws0\">2004<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16d6 y69fc w63c h205\"><div class=\"t m0 x1ed h39 y65c3 ff1 fs17 fc3 sc0 ls21 ws0\">Trust<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td class=\"c n x804 y69fd w36d h215\"><div class=\"t m0 x1ed h38 y6563 ff5 fs17 fc0 sc0 ls21 ws20\">2025<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16d7 y69fd w46b h205\"><div class=\"t m0 x1ed h38 y6563 ff1 fs17 fc3 sc0 ls21 ws20\">2024<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y658e wbd9 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Shares purchased during the period<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16d8 y658e wb87 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">24,477,541<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16d9 y658e wbda h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">19,604,557<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6659 wbdb h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">Market price of shares purchased ($million)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16da y6659 wbdc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">508<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16db y6659 w50c h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">223<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6566 wbdd h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Shares held at the end of the period<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16dc y6566 wbde h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">16,474,859<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16dd y6566 wbdf h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">17,589,987<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6567 wbe0 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Maximum number of shares held during the period<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16de y6567 wbe1 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">25,082,882<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa98 y6567 wbe2 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">28,085,688<span class=\"_ _3eb\"> </span></div></td></tr></table>Except as disclosed, neither the Company <span class=\"_ _7\"></span>nor any of its subsidiaries has bought, <span class=\"_ _7\"></span>sold or redeemed any securities of <span class=\"_ _7\"></span>the Company listed on The Stock Exchange <span class=\"_ _7\"></span>of Hong Kong Limited during the period.<span class=\"_ _3eb\"> </span>Computershare Trustees (Jersey) Limited abstains from <span class=\"_ _7\"></span>voting on the Standard Chartered PLC shares <span class=\"_ _7\"></span>held in the 2004 Trust.<span class=\"_ _3eb\"> </span>Dividend waivers<span class=\"_ _3eb\"> </span>The trustees of the 2004 Trust, which holds ordinary shares in Standard Chartered PLC in connection with the operation of<span class=\"_ gs36\"> </span>its<span class=\"_ gs36\"> </span>employee share plans, waive any dividend <span class=\"_ _7\"></span>on the balance of ordinary shares that <span class=\"_ _7\"></span>have not been allocated to employees, except for 0.01p per share.<span class=\"_ _3eb\"> </span>Changes in share <span class=\"_ _7\"></span>capital and <span class=\"_ _7\"></span>other equity instruments <span class=\"_ _7\"></span>of Standard <span class=\"_ _7\"></span>Chartered PLC subsidiaries<span class=\"_ _3eb\"> </span>The table below details the transactions <span class=\"_ _7\"></span>in equity instruments (including convertible and hybrid <span class=\"_ _7\"></span>instruments) of the Group\u2019s subsidiaries, including issuances, conversions, redemptions, purchase <span class=\"_ _7\"></span>or cancellation during the financial year. This <span class=\"_ _7\"></span>is required under the Hong Kong Listing requirements, <span class=\"_ _7\"></span>appendix D2 paragraph 10.<span class=\"_ _3eb\"> </span><table class=\"s wbe3 h286\" id=\"_304bc7af-c51f-4e57-bd17-08217eca3cf1\"><tr><td></td><td class=\"t m0 x404 h2c y69fe ff4 fs17 fc3 sc0 ls21 ws20\">Description of<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xb9a h2c y69fe ff4 fs17 fc3 sc0 ls21 ws20\">Issued/(redeemed) </td><td class=\"t m0 x9d4 h2c y69fe ff4 fs17 fc3 sc0 ls21 ws20\">Issued/(redeemed) </td></tr><tr><td class=\"t m0 x221 h3b y69ff ff1 fs5 fc3 sc0 ls5 ws5\">Name<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x16df h39 y69ff ff1 fs17 fc3 sc0 ls21 ws20\">Shares<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x8b5 h39 y69ff ff1 fs17 fc3 sc0 ls21 ws20\">Shares<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xf4d h39 y69ff ff1 fs17 fc3 sc0 ls21 ws20\">capital<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c n x1ee y6555 wbe4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Anchorpoint Financial Limited<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16e0 y6555 wbe5 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">HKD<span class=\"_ gs1a1\"> </span>Ordinary<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16e1 y6555 wbe6 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">9,360,000<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16e2 y6555 wbe7 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">HKD93,600,000<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6556 wbe8 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Appro Onboarding Solutions FZ-LLC<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16e3 y6556 wbe9 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">AED1,000.00 Ordinary<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16e4 y6556 wbea h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">55,609<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16e5 y6556 wbeb h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">AED55,609,000<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6a00 wbec h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Audax Financial Technology Pte. Ltd<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16e6 y6a00 wbed h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">US$1.00 Ordinary<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16e7 y6a00 wbee h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">8,600,000<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16e8 y6a00 wbef h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">USD8,600,000<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6a01 wbf0 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">CashEnable Pte. Ltd.<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16e9 y6a01 wbf1 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">US$<span class=\"_ gs1a1\"> </span>Ordinary<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16ea y6a01 wbf2 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">4,200,000<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16eb y6a01 wbf3 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">USD4,200,000<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6559 wbf4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Financial Inclusion Technologies Ltd<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16ec y6559 wbf5 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">US$<span class=\"_ gs1a1\"> </span>Ordinary<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16ed y6559 wbf6 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">17,513,444<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16ee y6559 w52f h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">USD17,513,444<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y655a wbf7 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Fourtwothree Pte. Ltd<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16ef y655a wbf8 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">US$ Ordinary<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16f0 y655a wbf9 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">2,300,000<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16f1 y655a wbfa h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">USD2,300,000<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y655b wbfb h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Furaha Holding Ltd<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16f2 y655b wbed h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">US$1.00 Ordinary<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16f3 y655b wbfc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">8,500,000<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16f4 y655b wbfd h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">USD8,500,000<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y655c wbfe h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Letsbloom India Private Limited<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16f5 y655c wbff h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">INR10.00 Equity<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16f6 y655c wc00 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">3,815,713<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16f7 y655c wc01 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">INR38,157,130<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y655d wc02 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Letsbloom Pte. Ltd.<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16f8 y655d wc03 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">US$<span class=\"_ gs1a1\"> </span>Ordinary-A<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16f9 y655d wb76 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">1,470,000<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16fa y655d wc04 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">USD1,470,000<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6573 wc05 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Libeara (Singapore) Pte. Ltd.<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16fb y6573 wc06 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">US$ Ordinary<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16fc y6573 wc07 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">4,300,000<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16fd y6573 wc08 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">USD4,300,000<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y667a wc09 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Libeara Pte. Ltd.<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16fe y667a wbf8 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">US$ Ordinary<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16ff y667a wc0a h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">3,500,000<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1700 y667a wc0b h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">USD3,500,000<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6646 wc0c h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Mox Bank Limited<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x573 y6646 wc0d h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">HKD<span class=\"_ gs1a1\"> </span>Ordinary<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1701 y6646 wc0e h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">93,840,000<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1702 y6646 wc0f h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">HKD938,400,000<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6561 wc10 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">myZoi Financial Inclusion Technologies LLC<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1703 y6561 wc11 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">AED1.00 Ordinary<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1704 y6561 wc12 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">40,000,000<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1705 y6561 w529 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">AED40,000,000<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6562 wc13 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Power2SME Pte. Ltd.<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1706 y6562 wc14 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">US$<span class=\"_ gs1a1\"> </span>Ordinary<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1707 y6562 wc15 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">9,175,676<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1708 y6562 wc16 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">USD9,175,676<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6610 wc17 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">PT Labamu Sejahtera Indonesia<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1709 y6610 wc18 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">IDR10,000.00 Ordinary<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x170a y6610 wc19 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">6,090,299<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x170b y6610 wc1a h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">IDR60,902,990,000<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6577 wc1b h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Qatalyst Pte. Ltd.<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x170c y6577 wbed h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">US$1.00 Ordinary<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x170d y6577 wc1c h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">1,100,000<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x170e y6577 wc1d h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">USD1,100,000<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6566 wc1e h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">SC Ventures Holdings Limited<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x170f y6566 wbed h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">US$1.00 Ordinary<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1710 y6566 wc1f h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">44,190,000<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1711 y6566 wc20 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">USD44,190,000<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6567 wc21 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">SCV Master Holding Company Pte. Ltd.<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1712 y6567 wc14 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">US$<span class=\"_ gs1a1\"> </span>Ordinary<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1713 y6567 wc22 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">66,200,000<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1714 y6567 wba4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">USD66,200,000<span class=\"_ _3eb\"> </span></div></td></tr></table><table class=\"s wc2c h288\" id=\"_0ad854ff-695d-4dd6-89c9-1a1ed052b9e3\"><tr><td></td><td class=\"t m0 x4be h2c y6a04 ff4 fs17 fc3 sc0 ls21 ws20\">Description of<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1053 h2c y6a04 ff4 fs17 fc3 sc0 ls21 ws20\">Issued/(redeemed) </td><td class=\"t m0 x2ea h2c y6a04 ff4 fs17 fc3 sc0 ls21 ws20\">Issued/(redeemed) </td></tr><tr><td class=\"t m0 x235 h3b y6a05 ff1 fs5 fc3 sc0 ls5 ws5\">Name<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1721 h39 y6a05 ff1 fs17 fc3 sc0 ls21 ws20\">Shares<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x127c h39 y6a05 ff1 fs17 fc3 sc0 ls21 ws20\">Shares<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xbf0 h39 y6a05 ff1 fs17 fc3 sc0 ls21 ws20\">capital<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c n x1ee y656c wc2d h1ff\"><div class=\"t m0 x1ed h1a y6640 ff4 fs5 fc3 sc0 ls5 ws5\">SCV Research and Development Pte. Ltd.<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1722 y656c wc2e h1ff\"><div class=\"t m0 x1ed h1a y6640 ff4 fs5 fc3 sc0 ls5 ws5\">US$<span class=\"_ gs1a1\"> </span>Ordinary-A<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1723 y656c wc2f h1ff\"><div class=\"t m0 x1ed h1a y6640 ff4 fs5 fc3 sc0 ls5 ws5\">18,526,896<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1724 y656c wc30 h1ff\"><div class=\"t m0 x1ed h1a y6640 ff4 fs5 fc3 sc0 ls5 ws5\">USD18,526,896<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y656d wc31 h1ff\"><div class=\"t m0 x1ed h1a y6640 ff4 fs5 fc3 sc0 ls5 ws5\">Sky Harmony Holdings Limited<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1725 y656d wc32 h1ff\"><div class=\"t m0 x1ed h1a y6640 ff4 fs5 fc3 sc0 ls5 ws5\">USD1.00 Ordinary<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1726 y656d w41a h1fe\"><div class=\"t m0 x1ed h1a y6640 ff1 fs5 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x68c y656d wc33 h1fe\"><div class=\"t m0 x1ed h1a y6640 ff1 fs5 fc3 sc0 ls5 ws5\">USD1<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6a06 wc34 h1ff\"><div class=\"t m0 x1ed h1a y6640 ff4 fs5 fc3 sc0 ls5 ws5\">Solv Vietnam Company Limited<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb28 y6a06 wc35 h1ff\"><div class=\"t m0 x1ed h1a y6640 ff4 fs5 fc3 sc0 ls5 ws5\">VND<span class=\"_ gs1a1\"> </span>Charter<span class=\"_ gs1a1\"> </span>Capital<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1727 y6a06 wc36 h1ff\"><div class=\"t m0 x1ed h1a y6640 ff4 fs5 fc3 sc0 ls5 ws5\">12,845,000,000<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1728 y6a06 wc37 h1ff\"><div class=\"t m0 x1ed h1a y6640 ff4 fs5 fc3 sc0 ls5 ws5\">VND12,845,000,000<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6a07 wc38 h1fe\"><div class=\"t m0 x1ed h1a y6640 ff1 fs5 fc3 sc0 ls5 ws0\">Solvezy Technology Ghana Ltd<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1729 y6a07 wc39 h1ff\"><div class=\"t m0 x1ed h1a y6640 ff4 fs5 fc3 sc0 ls5 ws5\">GHS<span class=\"_ gs1a1\"> </span>Ordinary<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x172a y6a07 wc3a h1ff\"><div class=\"t m0 x1ed h1a y6640 ff4 fs5 fc3 sc0 ls5 ws5\">40,957,952<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x172b y6a07 wc3b h1ff\"><div class=\"t m0 x1ed h1a y6640 ff4 fs5 fc3 sc0 ls5 ws5\">GHS40,957,952<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6555 wc3c h1ff\"><div class=\"t m0 x1ed h1a y6640 ff4 fs5 fc3 sc0 ls5 ws5\">Solvezy Technology Kenya Limited<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x172c y6555 wc3d h1ff\"><div class=\"t m0 x1ed h1a y6640 ff4 fs5 fc3 sc0 ls5 ws5\">KES1,000.00 Ordinary<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x172d y6555 w5e3 h1ff\"><div class=\"t m0 x1ed h1a y6640 ff4 fs5 fc3 sc0 ls5 ws5\">289,482<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x172e y6555 wc3e h1ff\"><div class=\"t m0 x1ed h1a y6640 ff4 fs5 fc3 sc0 ls5 ws5\">KES289,482,000<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6556 wc3f h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Solv-India Pte. Ltd.<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x172f y6556 wc14 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">US$<span class=\"_ gs1a1\"> </span>Ordinary<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1730 y6556 wc40 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">54,900,000<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1731 y6556 wc41 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">USD54,900,000<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6557 wc42 h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Standard Chartered Bank C\u00f4te d\u2019Ivoire SA<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1732 y6557 wc43 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">XOF100,000.00<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1733 y6557 wd4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">52,566<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1734 y6557 wc44 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">XOF5,256,600,000<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6558 wc45 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Standard Chartered Bank Nigeria Limited<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1735 y6558 wc46 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">NGN1.00 Ordinary<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1736 y6558 wc47 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">9,151,152,653<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1737 y6558 wc48 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">NGN9,151,152,653<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y658b wc49 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Standard Chartered Holdings Limited<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1738 y658b wc4a h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">US$2.00 Ordinary<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1739 y658b wc4b h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">11,624,204<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x173a y658b wc4c h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">USD23,248,408<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6570 wc4d h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Standard Chartered I H Limited<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x173b y6570 wbed h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">US$1.00 Ordinary<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x173c y6570 wc4e h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">23,248,408<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x173d y6570 wc4f h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">USD23,248,408<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6571 wc50 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Standard Chartered Luxembourg S.A.<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x173e y6571 wc51 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">\u20ac1.00 Ordinary<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x173f y6571 wc52 h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">1,500,000<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1740 y6571 wc53 h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">EUR1,500,000<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y69cb wc54 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Standard Chartered Private Equity (Mauritius) Limited<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1741 y69cb wc55 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">US$1.00 Ordinary<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1742 y69cb wc56 h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">500,000<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1743 y69cb wc57 h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">USD500,000<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y655d wc58 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Standard Chartered Private Equity (Mauritius) lll Limited<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1744 y655d wbed h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">US$1.00 Ordinary<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1745 y655d wb76 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">38,813,419<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1746 y655d wc04 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">USD38,813,419<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6573 wc59 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Standard Chartered Research and Technology India Private <span class=\"_ _7\"></span>Limited<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1747 y6573 wbff h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">INR10.00 Equity<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1748 y6573 wc5a h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">34,617,793<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1749 y6573 wc5b h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">INR346,177,930<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6574 wc5c h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Standard Chartered Strategic Investments Limited<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x174a y6574 wc55 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">US$1.00 Ordinary<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x174b y6574 wc5d h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">5,949,826<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x174c y6574 wc5e h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">USD5,949,826<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6560 wc5f h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">TASConnect (Malaysia) Sdn. Bhd.<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x174d y6560 wc60 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">RM5.00 Ordinary<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x174e y6560 wc61 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">687,900<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x174f y6560 wc62 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">MYR3,439,500<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6575 wc63 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Trust Bank Singapore Limited<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1750 y6575 wc64 h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">SGD Ordinary<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1751 y6575 wc65 h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">25,000,000<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1752 y6575 wc66 h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">SGD25,000,000<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y658d wc67 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Zodia Custody (Europe) S.A.<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1753 y658d wc68 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">\u20ac100.00 Ordinary<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1754 y658d wc69 h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">300<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1755 y658d wc6a h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">EUR30,000<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y658e wc6b h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Zodia Holdings Limited<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1756 y658e wc55 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">US$1.00 Ordinary<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1757 y658e wc6c h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">41,401,604<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1758 y658e wc6d h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">USD41,401,604<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6659 wc6e h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Zodia Markets (AME) Limited<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1759 y6659 wc14 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">US$<span class=\"_ gs1a1\"> </span>Ordinary<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x175a y6659 wc6f h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">1,200,000<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x175b y6659 wc70 h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">USD1,200,000<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6826 wc71 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Zodia Markets (Jersey) Limited<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x175c y6826 wc14 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">US$<span class=\"_ gs1a1\"> </span>Ordinary<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x175d y6826 wc72 h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">10,000<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x175e y6826 wc73 h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">USD10,000<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6567 wc74 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Zodia Markets Holdings Limited<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x175f y6567 wc75 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">US$1.00 Series A<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1760 y6567 w5f h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">4,560<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1761 y6567 wc76 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">USD4,560<span class=\"_ _3eb\"> </span></div></td></tr></table>Please see Note 22 Debt securities <span class=\"_ _7\"></span>in issue for issuances and redemptions of <span class=\"_ _7\"></span>senior notes.<span class=\"_ _3eb\"> </span>Please see Note 27 Subordinated liabilities <span class=\"_ _7\"></span>and other borrowed funds for issuance and <span class=\"_ _7\"></span>redemptions of subordinated liabilities.<span class=\"_ _3eb\"> </span>Please see Note 41 Related undertakings <span class=\"_ _7\"></span>of the Group for subsidiaries liquidated, dissolved <span class=\"_ _7\"></span>or sold during the year.",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfIssuedCapitalExplanatory",
    "language": "en",
    "entity": "scheme:U4LOSYZ7YG4W3S5F2G91",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-647": {
   "value": "28. Share capital, <span class=\"_ _1b\"></span>other equity instruments and <span class=\"_ _7\"></span>reserves<span class=\"_ _3eb\"> </span>Accounting policy<span class=\"_ _3eb\"> </span>Securities which carry a discretionary coupon <span class=\"_ _7\"></span>and have no fixed maturity or redemption <span class=\"_ _7\"></span>date are classified as other equity instruments. Interest payments on these securities <span class=\"_ _7\"></span>are recognised, net of tax, as distributions <span class=\"_ _7\"></span>from equity in the period in which they are paid. Where the Company or other members of the consolidated Group purchase the Company\u2019s equity share capital, the consideration paid is deducted from the <span class=\"_ _7\"></span>total shareholders\u2019 equity of the Group and/or <span class=\"_ _7\"></span>of the Company as treasury shares until they are cancelled. Where such <span class=\"_ _7\"></span>shares are subsequently sold or reissued, any <span class=\"_ _7\"></span>consideration received is included in shareholders\u2019 equity of the Group and/or <span class=\"_ _7\"></span>the Company.<span class=\"_ _3eb\"> </span><table class=\"s wb54 h282\" id=\"_3cfc0942-7635-4792-989f-0ddfc8f92d0c\"><tr><td></td><td></td><td></td><td></td><td class=\"t m0 x13ea h38 y69e7 ff5 fs17 fc0 sc0 ls21 ws20\">Preference </td><td class=\"t m0 x162c h38 y69e7 ff5 fs17 fc0 sc0 ls21 ws20\">Total share </td><td></td></tr><tr><td></td><td class=\"t m0 x162d h38 y69e8 ff5 fs17 fc0 sc0 ls21 ws20\">Number of </td><td class=\"t m0 x2c7 h38 y69e8 ff5 fs17 fc0 sc0 ls21 ws20\">Ordinary<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1051 h38 y69e8 ff5 fs17 fc0 sc0 ls21 ws20\">Ordinary </td><td class=\"t m0 x2f2 h38 y69e8 ff5 fs17 fc0 sc0 ls21 ws20\">share capital and<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xc2a h38 y69e8 ff5 fs17 fc0 sc0 ls21 ws20\">capital<span class=\"_ gs40f\"> </span>and </td><td class=\"t m0 x1277 h38 y69e8 ff5 fs17 fc0 sc0 ls21 ws20\">Other equity </td></tr><tr><td></td><td class=\"t m0 x162e h38 y69e9 ff5 fs17 fc0 sc0 ls21 ws20\">ordinary shares<span class=\"_ _3eb\"> </span></td><td class=\"c xc58 y69ea wb55 h21b\"><div class=\"t m0 x1ed h38 y6563 ff5 fs17 fc0 sc0 ls21 ws20\">share capital</div><div class=\"t m0 x162f ha7 y65fd ff5 fs19 fc0 sc0 ls0 ws0\">1</div></td><td class=\"t m0 x13e9 h38 y69e9 ff5 fs17 fc0 sc0 ls21 ws20\">Share premium<span class=\"_ _3eb\"> </span></td><td class=\"c x1242 y69ea wb56 h21b\"><div class=\"t m0 x1ed h38 y6563 ff5 fs17 fc0 sc0 ls21 ws20\">share premium</div><div class=\"t m0 x1241 ha7 y65fd ff5 fs19 fc0 sc0 ls0 ws0\">2</div></td><td class=\"t m0 xbef h38 y69e9 ff5 fs17 fc0 sc0 ls21 ws20\">share premium<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1630 h38 y69e9 ff5 fs17 fc0 sc0 ls21 ws20\">instruments<span class=\"_ _3eb\"> </span></td></tr><tr><td></td><td class=\"t m0 x1631 h38 y69eb ff5 fs17 fc0 sc0 ls21 ws20\">million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x2c9 h38 y69eb ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x4be h38 y69eb ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x2fa h38 y69eb ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x233 h38 y69eb ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x4c2 h38 y69eb ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c n x1ee y69ec wb57 h203\"><div class=\"t m0 x1ed h1a y65de ff5 fs5 fc3 sc0 ls5 ws5\">At 1 January 2024<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1632 y69ec w7a0 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">2,665<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1633 y69ec wb58 h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">1,332<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1634 y69ec w98 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">3,989<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x146c y69ec wb59 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">1,494<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1635 y69ec w211 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">6,815<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1636 y69ec wb5a h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">5,512<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x235 h1a y69ed ff4 fs5 fc3 sc0 ls5 ws5\">Cancellation of shares including share </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y69ee wb5b h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">buyback<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1637 y69ee wb5c h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(240)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1638 y69ee wb5d h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(120)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb85 y69ee w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb86 y69ee w1cf h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1639 y69ee w209 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(120)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1125 y69ee w1cf h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y681f wb5e h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Additional Tier 1 equity issuance</div><div class=\"t m0 x163a h3c y660d ff1 fs1b fc3 sc0 ls0 ws0\">4<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15e6 y681f w2bc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15e7 y681f w2bc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15e8 y681f w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15e9 y681f w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x163b y681f w1cf h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x163c y681f w211 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">1,568<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y6820 wb5f h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Additional Tier 1 Redemption</div><div class=\"t m0 x163d h3c y660d ff1 fs1b fc3 sc0 ls0 ws0\">5<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15e6 y6820 w2bc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15e7 y6820 w2bc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15e8 y6820 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15e9 y6820 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x163b y6820 w1cf h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x163e y6820 w215 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(553)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y69ef wb60 h25c\"><div class=\"t m0 x1ed h3b y6600 ff1 fs5 fc3 sc0 ls5 ws0\">Other movements</div><div class=\"t m0 x4c3 h3c y667e ff1 fs1b fc3 sc0 ls0 ws0\">5<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15e6 y69f0 w2bc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15e7 y69f0 w2bc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15e8 y69f0 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15e9 y69f0 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x163b y69f0 w1cf h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x163f y69f0 w3ac h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(25)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y68a8 w8cb h201\"><div class=\"t m0 x1ed h3d y6548 ff5 fs5 fc3 sc0 ls5 ws5\">At 31 December 2024<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1640 y68a8 w724 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">2,425<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1641 y68a8 w1ca h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">1,212<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1642 y68a8 wa15 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">3,989<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1643 y68a8 w8bd h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">1,494<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1644 y68a8 w1b4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">6,695<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1645 y68a8 wb61 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">6,502<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x235 h1a y69f1 ff4 fs5 fc3 sc0 ls5 ws5\">Cancellation of shares including share </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y658d wb5b h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">buyback<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1646 y658d w58a h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(162)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1647 y658d w2b0 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(81)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1648 y658d w1cf h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1649 y658d w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbea y658d w2b0 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(81)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x164a y658d w1cf h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y6658 wb5e h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Additional Tier 1 equity issuance</div><div class=\"t m0 x163a h3c y65df ff1 fs1b fc3 sc0 ls0 ws0\">4<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15e6 y658e w2bc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15e7 y658e w2bc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15e8 y658e w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15e9 y658e w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x163b y658e w1cf h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x164b y658e w80 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">1,989<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y69f2 wb5f h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Additional Tier 1 Redemption</div><div class=\"t m0 x163d h3c y65df ff1 fs1b fc3 sc0 ls0 ws0\">5<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15e6 y6659 w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15e7 y6659 w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15e8 y6659 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15e9 y6659 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x163b y6659 w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x164c y6659 w2fa h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(1,000)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y69f3 waab h231\"><div class=\"t m0 x1ed h3b y6600 ff1 fs5 fc3 sc0 ls5 ws0\">Other movements</div><div class=\"t m0 x4c3 h3c y667e ff1 fs1b fc3 sc0 ls0 ws0\">3<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15e6 y6826 w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15e7 y6826 w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15e8 y6826 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15e9 y6826 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x163b y6826 w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x164d y6826 w124 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">37<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6567 w8b6 h203\"><div class=\"t m0 x1ed h3d y655f ff5 fs5 fc3 sc0 ls5 ws5\">At 31 December 2025<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x164e y6567 wb62 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">2,263<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x164f y6567 wa3 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">1,131<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1650 y6567 wa15 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">3,989<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1651 y6567 w8bd h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">1,494<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1652 y6567 wb63 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">6,614<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1653 y6567 w132 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">7,528<span class=\"_ _3eb\"> </span></div></td></tr></table>1 <span class=\"_ _b\"> </span><span class=\"ff4\">Issued and fully paid ordinary shares of 50 cents each.<span class=\"_ _3eb\"> </span></span>2 <span class=\"_ _f\"> </span><span class=\"ff4\">Includes preference share capital of $75,000.<span class=\"_ _3eb\"> </span></span>3 <span class=\"_ _f\"> </span><span class=\"ff4\">2025 include transfer of $25 million realised translation loss on redemption of AT1 <span class=\"_ _7\"></span>securities of SGD 750 million to retained earnings. </span>4 <span class=\"_ _e\"> </span><span class=\"ff4\">Movement in 2025 relates to $994 million and $995 million fixed rate <span class=\"_ _7\"></span>resetting perpetual subordinated contingent convertible AT1 securities issued <span class=\"_ _7\"></span>by Standard </span>Chartered PLC. Movement in 2024 includes $993 million <span class=\"_ _7\"></span>and $575 million (SGD 750 million) fixed rate <span class=\"_ _7\"></span>resetting perpetual subordinated contingent convertible AT1<span class=\"_ gs1a2\"> </span>securities issued by Standard Chartered PLC.<span class=\"_ _3eb\"> </span>5 <span class=\"_ _f\"> </span><span class=\"ff4\">Movement in 2025 relates to redemption of $1,000 million Fixed <span class=\"_ _7\"></span>Rate Resetting Perpetual Contingent Convertible Securities on its <span class=\"_ _7\"></span>first optional redemption date </span>of<span class=\"_ gs1a2\"> </span>26 July 2025. Movement in 2024 relates to <span class=\"_ _7\"></span>redemption of AT1 securities of SGD 750 million <span class=\"_ _7\"></span>($553 million) and realised translation loss ($25 million) <span class=\"_ _7\"></span>reported in<span class=\"_ gs1a2\"> </span>other<span class=\"_ gs1a2\"> </span>movements.<span class=\"_ _3eb\"> </span>Share buyback<span class=\"_ _3eb\"> </span>On 30 July 2024, the Group <span class=\"_ _7\"></span>announced the buyback programme for a share <span class=\"_ _7\"></span>buyback of its ordinary shares of <span class=\"_ _7\"></span>$0.50 each. Nominal value of share purchases was <span class=\"_ _7\"></span>$69 million, the total consideration paid was <span class=\"_ _7\"></span>$1,500 million, and the buyback completed on 30 January 2025. The total <span class=\"_ _7\"></span>number of shares purchased of 137,562,542 representing <span class=\"_ _7\"></span>5.39 per cent of the ordinary <span class=\"_ _7\"></span>shares in issue at the beginning of the <span class=\"_ _7\"></span>programme. The nominal value of the shares <span class=\"_ _7\"></span>was transferred from the share capital <span class=\"_ _7\"></span>to the capital redemption reserve account. On 21 February 2025, the Group <span class=\"_ _7\"></span>announced the buyback programme for a share <span class=\"_ _7\"></span>buyback of its ordinary shares of <span class=\"_ _7\"></span>$0.50 each. Nominal value of share purchases was <span class=\"_ _7\"></span>$49 million, the total consideration paid was <span class=\"_ _7\"></span>$1,500 million, and the buyback completed on 30 July 2025. The total <span class=\"_ _7\"></span>number of shares purchased of 98,162,451 representing <span class=\"_ _7\"></span>4.07 per cent of the ordinary <span class=\"_ _7\"></span>shares in issue at<span class=\"_ gs36\"> </span>the beginning of the programme. The <span class=\"_ _7\"></span>nominal value of the shares was transferred <span class=\"_ _7\"></span>from the share capital to the <span class=\"_ _7\"></span>capital redemption reserve account. On 31 July 2025, the Group <span class=\"_ _7\"></span>announced the buyback programme for a share <span class=\"_ _7\"></span>buyback of its ordinary shares of <span class=\"_ _7\"></span>$0.50 each. As<span class=\"_ gs36\"> </span>at<span class=\"_ gs36\"> </span>31 December 2025, nominal value of <span class=\"_ _7\"></span>share purchases was $27 million, the total <span class=\"_ _7\"></span>consideration paid was $1,073 million and the total number of shares purchased <span class=\"_ _7\"></span>was 53,061,718, representing 2.29 per cent of <span class=\"_ _7\"></span>the ordinary shares in issue at <span class=\"_ _7\"></span>the beginning of the programme. <span class=\"_ _7\"></span>The buyback was <span class=\"_ _1b\"></span>completed on 26 January 2026 <span class=\"_ _7\"></span>with a further <span class=\"_ _7\"></span>$227million consideration <span class=\"_ _7\"></span>paid and recognised as irrevocable obligation to buyback shares. <span class=\"_ _7\"></span>The nominal value of the shares was <span class=\"_ _7\"></span>transferred from the share capital to <span class=\"_ _7\"></span>the capital redemption reserve account.<span class=\"_ _3eb\"> </span><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs700\">The shares were purchased by Standard <span class=\"_ _7\"></span>Chartered PLC on various exchanges not including <span class=\"_ _7\"></span>the Hong Kong Stock Exchange.<span class=\"_ _3eb\"> </span></div><div class=\"gs701\"><table class=\"s wb64 h283\" id=\"_3125e88a-28b3-4255-8a90-98ad358f19a4\"><tr><td></td><td></td><td></td><td></td><td class=\"t m0 x5fb h39 y69f4 ff1 fs17 fc3 sc0 ls21 ws20\">Average </td><td></td><td></td></tr><tr><td></td><td></td><td class=\"t m0 x8bc h39 y69f5 ff1 fs17 fc3 sc0 ls21 ws20\">Highest </td><td class=\"t m0 x11c0 h39 y69f5 ff1 fs17 fc3 sc0 ls21 ws20\">Lowest </td><td class=\"t m0 x158b h39 y69f5 ff1 fs17 fc3 sc0 ls21 ws0\">price paid </td><td class=\"t m0 x158c h39 y69f5 ff1 fs17 fc3 sc0 ls21 ws20\">Aggregate<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1654 h39 y69f5 ff1 fs17 fc3 sc0 ls21 ws20\">Aggregate<span class=\"_ _3eb\"> </span></td></tr><tr><td></td><td class=\"t m0 x53f h39 y69f6 ff1 fs17 fc3 sc0 ls21 ws0\">Number of </td><td class=\"t m0 xb98 h39 y69f6 ff1 fs17 fc3 sc0 ls21 ws0\">price Paid<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1557 h39 y69f6 ff1 fs17 fc3 sc0 ls21 ws0\">price paid </td><td class=\"t m0 xf49 h39 y69f6 ff1 fs17 fc3 sc0 ls21 ws0\">per share</td><td class=\"t m0 x9cf h39 y69f6 ff1 fs17 fc3 sc0 ls21 ws0\"> price paid</td><td class=\"t m0 xeb6 h39 y69f6 ff1 fs17 fc3 sc0 ls21 ws0\"> price paid<span class=\"_ _3eb\"> </span></td></tr><tr><td></td><td class=\"t m0 x1655 h39 y69f7 ff1 fs17 fc3 sc0 ls21 ws0\">ordinary shares<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1656 h2c y69f7 ff4 fs17 fc3 sc0 ls0 ws0\">\u00a3<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x531 h2c y69f7 ff4 fs17 fc3 sc0 ls0 ws0\">\u00a3<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1657 h2c y69f7 ff4 fs17 fc3 sc0 ls0 ws0\">\u00a3<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x9d7 h2c y69f7 ff4 fs17 fc3 sc0 ls0 ws0\">\u00a3<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1658 h2c y69f7 ff4 fs17 fc3 sc0 ls0 ws0\">$<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c n x1ee y655b wb65 h1fe\"><div class=\"t m0 x1ed h1a y6640 ff1 fs5 fc3 sc0 ls5 ws0\">January 2025<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1659 y655b wb66 h1ff\"><div class=\"t m0 x1ed h1a y6640 ff4 fs5 fc3 sc0 ls5 ws5\">11,300,128<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x165a y655b wb67 h1ff\"><div class=\"t m0 x1ed h1a y6640 ff4 fs5 fc3 sc0 ls5 ws5\">10.87<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x165b y655b wb68 h1ff\"><div class=\"t m0 x1ed h1a y6640 ff4 fs5 fc3 sc0 ls5 ws5\">9.704<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x165c y655b w29c h1ff\"><div class=\"t m0 x1ed h1a y6640 ff4 fs5 fc3 sc0 ls5 ws5\">10.4136<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x165d y655b wb69 h1ff\"><div class=\"t m0 x1ed h1a y6640 ff4 fs5 fc3 sc0 ls5 ws5\">117,671,362<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x165e y655b wb6a h1ff\"><div class=\"t m0 x1ed h1a y6640 ff4 fs5 fc3 sc0 ls5 ws5\">145,286,293<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y655c wb6b h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">February 2025<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x165f y655c wb6c h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">3,395,890<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1660 y655c w319 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">12.725<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1661 y655c w41f h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">11.79<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1662 y655c w342 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">12.33<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1663 y655c wb6d h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">41,849,427<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1664 y655c wb6e h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">52,884,831<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y655d wb6f h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">March 2025<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1665 y655d wb70 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">24,636,534<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1666 y655d wb71 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">12.81<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1667 y655d wb67 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">11.175<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1668 y655d wb72 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">11.8839<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1669 y655d wb73 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">292,546,496<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x166a y655d wb74 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">377,784,647<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6573 wb75 h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">April 2025<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x166b y6573 wb76 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">19,971,649<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x166c y6573 wb77 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">11.545<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x166d y6573 w2c6 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">8.728<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x166e y6573 wb78 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">10.201<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x166f y6573 wb79 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">201,750,555<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1670 y6573 wb7a h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">264,351,775<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6574 wb7b h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">May 2025<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1671 y6574 wb7c h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">18,340,963<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10d0 y6574 wb4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">11.755<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1672 y6574 wb7d h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">10.385<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1673 y6574 wb7e h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">11.2748<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1674 y6574 wb7f h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">205,669,905<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1675 y6574 wb80 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">274,781,456<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6560 wb81 h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">June 2025<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1676 y6560 wb82 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">15,903,416<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1677 y6560 wb83 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">12.2<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1678 y6560 wb84 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">11.16<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1679 y6560 wb85 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">11.7<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x167a y6560 wb86 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">186,026,636<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x167b y6560 wb87 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">252,365,331<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6575 wb88 h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">July 2025<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x167c y6575 w90b h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">15,913,999<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x167d y6575 w1ca h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">13.78<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x167e y6575 wb89 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">11.675<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x167f y6575 wb8a h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">12.9343<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1680 y6575 wb8b h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">205,721,926<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1681 y6575 wb8c h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">277,831,848<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6562 wb8d h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">August 2025<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1682 y6562 wb8e h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">10,425,043<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1683 y6562 wb8f h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">14.31<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1684 y6562 w392 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">12.855<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1685 y6562 wa25 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">13.7655<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1686 y6562 wb90 h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">143,350,111<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1687 y6562 wb91 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">192,812,669<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6610 wb92 h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">September 2025<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1688 y6610 w754 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">11,517,686<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1689 y6610 wb93 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">14.65<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x168a y6610 w202 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">13.545<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x168b y6610 wb94 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">14.1412<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x168c y6610 wb95 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">162,803,283<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x168d y6610 wb96 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">219,854,779<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6577 wb97 h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">October 2025<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x168e y6577 wb98 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">10,604,541<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x168f y6577 wb99 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">15.645<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1690 y6577 wb42 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">13.515<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1691 y6577 wb9a h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">14.5063<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1692 y6577 wb9b h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">153,001,512<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1693 y6577 wb9c h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">204,574,723<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6566 wb9d h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">November 2025<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1694 y6566 wb9e h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">9,494,913<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1695 y6566 wb9f h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">16.83<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1696 y6566 wba0 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">15.255<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1697 y6566 wba1 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">16.0656<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1698 y6566 wba2 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">152,484,758<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1699 y6566 wba3 h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">200,451,254<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6567 wba4 h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">December 2025<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x169a y6567 wba5 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">11,019,535<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x169b y6567 wba6 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">18.345<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x169c y6567 wba7 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">16.235<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x169d y6567 wba8 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">17.4014<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x169e y6567 wba9 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">191,126,325<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x169f y6567 wbaa h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">255,662,097<span class=\"_ _3eb\"> </span></div></td></tr></table></div><div class=\"t m0 hc ff6 fs8 fc2 sc0 ls8 ws0 gs702\">Ordinary share capital </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs703\">In accordance with the Companies Act <span class=\"_ _7\"></span>2006 the Company does not have authorised <span class=\"_ _7\"></span>share capital. The nominal value of <span class=\"_ _7\"></span>each </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs704\">ordinary share is 50 cents.<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs705\">During the period nil shares were <span class=\"_ _7\"></span>issued under employee share plans. </div><div class=\"t m0 hc ff6 fs8 fc2 sc0 ls8 ws0 gs706\">Preference share capital<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs707\">At 31 December 2025, the Company <span class=\"_ _7\"></span>has 15,000 $5 non-cumulative redeemable preference shares <span class=\"_ _7\"></span>in issue, with a premium </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs708\">of<span class=\"_ gs36\"> </span>$99,995 making a paid up amount <span class=\"_ _7\"></span>per preference share of $100,000. The preference <span class=\"_ _7\"></span>shares are redeemable at the option </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs709\">of<span class=\"_ gs36\"> </span>the Company and are classified in <span class=\"_ _7\"></span>equity.<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs70a\">The available profits of the Company <span class=\"_ _7\"></span>are distributed to the holders of the <span class=\"_ _7\"></span>issued preference shares in priority to <span class=\"_ _7\"></span>payments made </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs70b\">to holders of the ordinary shares <span class=\"_ _7\"></span>and in priority to, or pari passu <span class=\"_ _7\"></span>with, any payments to the holders <span class=\"_ _7\"></span>of any other class of shares <span class=\"_ _7\"></span>in </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs70c\">issue. On a winding up, the <span class=\"_ _7\"></span>assets of the Company are applied to <span class=\"_ _7\"></span>the holders of the preference shares <span class=\"_ _7\"></span>in priority to any payment </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs70d\">to the ordinary shareholders and in <span class=\"_ _7\"></span>priority to, or pari passu with, the <span class=\"_ _7\"></span>holders of any other shares in <span class=\"_ _7\"></span>issue, for an amount equal </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs70e\">to<span class=\"_ gs36\"> </span>any dividends payable (on approval of <span class=\"_ _7\"></span>the Board) and the nominal value of <span class=\"_ _7\"></span>the shares together with any premium <span class=\"_ _7\"></span>as </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs70f\">determined by the Board. The redeemable <span class=\"_ _7\"></span>preference shares are redeemable at the paid <span class=\"_ _7\"></span>up amount (which includes premium) </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs710\">at the option of the Company <span class=\"_ _7\"></span>in accordance with the terms of the <span class=\"_ _7\"></span>shares. The holders of the preference <span class=\"_ _7\"></span>shares are not entitled </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs711\">to attend or vote at any <span class=\"_ _7\"></span>general meeting except where any relevant dividend <span class=\"_ _7\"></span>due is not paid in full <span class=\"_ _7\"></span>or where a resolution is </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs712\">proposed varying the rights of the <span class=\"_ _7\"></span>preference shares.<span class=\"_ _3eb\"> </span></div><div class=\"t m0 hc ff6 fs8 fc2 sc0 ls8 ws0 gs713\">Other equity instruments<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs714\">The table provides details of outstanding <span class=\"_ _7\"></span>Fixed Rate Resetting Perpetual Subordinated Contingent Convertible <span class=\"_ _7\"></span>AT1 securities </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs715\">issued by Standard Chartered PLC. All <span class=\"_ _7\"></span>issuances are made for general business purposes <span class=\"_ _7\"></span>and to increase the regulatory capital </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs716\">base of the Group.<span class=\"_ _3eb\"> </span></div><div class=\"gs717\"><table class=\"s wbab h284\" id=\"_31db3da3-ed37-4d43-a8e0-13e8a4511f31\"><tr><td></td><td></td><td class=\"t m0 x1555 h39 y69f8 ff1 fs17 fc3 sc0 ls21 ws0\">Proceeds net of <span class=\"ls0\"> </span></td><td></td><td></td><td></td><td class=\"t m0 x1654 h39 y69f8 ff1 fs17 fc3 sc0 ls21 ws20\">Conversion <span class=\"ls0 ws0\"> </span></td></tr><tr><td></td><td class=\"t m0 x16a0 h39 y69f9 ff1 fs17 fc3 sc0 ls21 ws0\">Nominal value<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x16a1 h39 y69f9 ff1 fs17 fc3 sc0 ls21 ws0\">issue costs<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x161d h39 y69f9 ff1 fs17 fc3 sc0 ls21 ws20\">Interest </td><td></td><td></td><td class=\"t m0 x7bd h39 y69f9 ff1 fs17 fc3 sc0 ls21 ws0\">price per<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"t m0 x221 h39 y69fa ff1 fs17 fc3 sc0 ls21 ws0\">Issuance date<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x16a0 h2c y69fa ff4 fs17 fc3 sc0 ls21 ws20\">million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x16a2 h2c y69fa ff4 fs17 fc3 sc0 ls21 ws20\">$ million<span class=\"_ _3eb\"> </span></td><td class=\"c x8f4 y69fb wbac h26a\"><div class=\"t m0 x1ed h39 y6632 ff1 fs17 fc3 sc0 ls21 ws20\">rate</div><div class=\"t m0 x16a3 h3a y6938 ff1 fs19 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c x16a5 y69fb wbad h26a\"><div class=\"t m0 x1ed h39 y6632 ff1 fs17 fc3 sc0 ls21 ws0\">Coupon payment dates each year</div><div class=\"t m0 x16a4 h3a y6938 ff1 fs19 fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td><td class=\"c x16a7 y69fb wbae h26a\"><div class=\"t m0 x1ed h39 y6632 ff1 fs17 fc3 sc0 ls21 ws0\">First reset dates</div><div class=\"t m0 x16a6 h3a y6938 ff1 fs19 fc3 sc0 ls0 ws0\">3<span class=\"_ _3eb\"> </span></div></td><td class=\"c x16a9 y69fb wbaf h26a\"><div class=\"t m0 x1ed h39 y6632 ff1 fs17 fc3 sc0 ls21 ws0\">ordinary share</div><div class=\"t m0 x16a8 h3a y6938 ff1 fs19 fc3 sc0 ls0 ws0\">4<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6574 wbb0 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">14 January 2021<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16aa y6574 w8c7 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">$1,250<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16ab y6574 wb5a h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">1,239<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16ac y6574 wbb1 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">4.75%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16ad y6574 wbb2 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">14 January, 14 July<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16ae y6574 wb80 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">14 July 2031<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16af y6574 w8c8 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">$6.353<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6646 wbb3 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">19 August 2021<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16b0 y6646 wbb4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">$1,500<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16b1 y6646 w3b3 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">1,489<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16b2 y6646 wbb5 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">4.30%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16b3 y6646 wbb6 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">19 February, 19 August<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16b4 y6646 wbb7 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">19 August 2028<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16b5 y6646 wbb8 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">$6.382<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6561 wbb9 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">15 August 2022<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16b6 y6561 w8c7 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">$1,250<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16b7 y6561 wb5a h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">1,239<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16b8 y6561 wbba h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">7.75%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16b9 y6561 wbbb h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">15 February, 15 August<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8c0 y6561 wbbc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">15 February 2028<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16ba y6561 wbbd h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">$7.333<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6562 wbbe h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">08 March 2024<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16bb y6562 wbbf h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">$1,000<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16bc y6562 wbc0 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">993<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16bd y6562 w5b8 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">7.875%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16be y6562 wbc1 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">8 March, 8 <span class=\"_ _7\"></span>September<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16bf y6562 wbc2 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">8 September 2030<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16c0 y6562 wc7 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">$8.216<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6610 wbc3 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">19 September 2024<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16c1 y6610 wbc4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">SGD750<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16c2 y6610 wbc5 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">579<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16c3 y6610 wbc6 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">5.300%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16c4 y6610 wbc7 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">19 March, 19 September<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16c5 y6610 wbc8 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">19 March 2030<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16c6 y6610 wbc9 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">SGD12.929<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6577 wbca h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">16 January 2025<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16c7 y6577 wbcb h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">$1,000<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16c8 y6577 wbcc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">994<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16c9 y6577 wbcd h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">7.625%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16ca y6577 wbce h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">16 January, 16 July<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16cb y6577 wbcf h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">16 July 2032<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16cc y6577 wbd0 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">$12.330<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6566 wbd1 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">14 November 2025<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16cd y6566 wbbf h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">$1,000<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16ce y6566 w3f2 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">995<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16cf y6566 wbd2 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">7.00%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16d0 y6566 wbd3 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">14 May, 14 November<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16d1 y6566 wbd4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">14 May 2036<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16d2 y6566 wbd5 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">$20.760<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td class=\"c n x16d3 y6567 w293 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">Total<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16d4 y6567 wbd6 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">7,528<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td></td><td></td></tr></table></div><div class=\"t m0 hb ff1 fs7 fc3 sc0 ls7 ws7 gs718\">1 <span class=\"_ _b\"> </span><span class=\"ff4\">Interest rates for the period from (and including) the issue date to (but <span class=\"_ _7\"></span>excluding) the first reset date.<span class=\"_ _3eb\"> </span></span></div><div class=\"t m0 hb ff1 fs7 fc3 sc0 ls7 ws7 gs719\">2 <span class=\"_ _f\"> </span><span class=\"ff4\">Interest payable semi-annually in arrears.<span class=\"_ _3eb\"> </span></span></div><div class=\"t m0 hb ff1 fs7 fc3 sc0 ls7 ws7 gs71a\">3 <span class=\"_ _f\"> </span><span class=\"ff4\">Securities are resettable each date falling five years, or an integral multiple of <span class=\"_ _7\"></span>five years, after the first reset date.<span class=\"_ _3eb\"> </span></span></div><div class=\"t m0 hb ff1 fs7 fc3 sc0 ls7 ws7 gs71b\">4 <span class=\"_ _e\"> </span><span class=\"ff4\">Conversion price set at the time of pricing with reference to closing <span class=\"_ _7\"></span>share price and any applicable discount.<span class=\"_ _3eb\"> </span></span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs71d\">The AT1 issuances above are primarily <span class=\"_ _7\"></span>purchased by institutional investors.<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs71e\">The principal terms of the AT1 <span class=\"_ _7\"></span>securities are described below:</div><div class=\"t m0 h5 ff1 fs2 fc3 sc0 ls0 ws0 gs71f\"> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">The securities are perpetual and redeemable, at the option of Standard Chartered <span class=\"_ _7\"></span>PLC in whole but not in <span class=\"_ _7\"></span>part, on the first </span></div><div class=\"t m0 h9 ff1 fs2 fc3 sc0 ls2 ws0 gs720\">interest reset date and each date falling five years after the first reset date</div><div class=\"t m0 h5 ff1 fs2 fc3 sc0 ls0 ws0 gs721\"> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">The securities are also redeemable for certain regulatory or tax reasons on <span class=\"_ _7\"></span>any date at 100 per cent <span class=\"_ _7\"></span>of their principal amount </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs722\">together with any accrued but unpaid <span class=\"_ _7\"></span>interest up to (but excluding) the date <span class=\"_ _7\"></span>fixed for redemption. Any redemption is <span class=\"_ _7\"></span>subject </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs723\">to Standard Chartered PLC giving notice <span class=\"_ _7\"></span>to the relevant regulator and the regulator <span class=\"_ _7\"></span>granting permission to redeem</div><div class=\"t m0 h5 ff1 fs2 fc3 sc0 ls0 ws0 gs724\"> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">Interest payments on these securities will be accounted for as a dividend</span></div><div class=\"t m0 h5 ff1 fs2 fc3 sc0 ls0 ws0 gs725\"> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">Interest on the securities is due and payable only at the sole <span class=\"_ _7\"></span>and absolute discretion of Standard Chartered <span class=\"_ _7\"></span>PLC, subject </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs726\">to<span class=\"_ gs36\"> </span>certain additional restrictions set out in <span class=\"_ _7\"></span>the terms and conditions. Accordingly, Standard Chartered <span class=\"_ _7\"></span>PLC may at any time </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs727\">elect to cancel any interest payment <span class=\"_ _7\"></span>(or part thereof) which would otherwise be <span class=\"_ _7\"></span>payable on any interest payment date</div><div class=\"t m0 h5 ff1 fs2 fc3 sc0 ls0 ws0 gs728\"> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">The securities convert into ordinary shares of Standard Chartered PLC, at a <span class=\"_ _7\"></span>pre-determined price detailed in the table <span class=\"_ _7\"></span>above, </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs729\">should the fully loaded Common Equity <span class=\"_ _7\"></span>Tier 1 ratio of the Group fall <span class=\"_ _7\"></span>below 7.0 per cent. Approximately 911 <span class=\"_ _7\"></span>million ordinary </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs72a\">shares would be required to satisfy <span class=\"_ _7\"></span>the conversion of all the securities mentioned <span class=\"_ _7\"></span>above.<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs72b\">The securities rank behind the claims <span class=\"_ _7\"></span>against Standard Chartered PLC of (a) unsubordinated <span class=\"_ _7\"></span>creditors, (b) which are expressed </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs72c\">to be subordinated to the claims <span class=\"_ _7\"></span>of unsubordinated creditors of Standard Chartered PLC <span class=\"_ _7\"></span>but not further or otherwise; or <span class=\"_ _7\"></span>(c) </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs72d\">which are, or are expressed to <span class=\"_ _7\"></span>be, junior to the claims of other <span class=\"_ _7\"></span>creditors of Standard Chartered PLC, whether <span class=\"_ _7\"></span>subordinated </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs72e\">or<span class=\"_ gs36\"> </span>unsubordinated, other than claims which rank, <span class=\"_ _7\"></span>or are expressed to rank, pari passu <span class=\"_ _7\"></span>with, or junior to, the claims <span class=\"_ _7\"></span>of holders </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs72f\">of<span class=\"_ gs36\"> </span>the AT1 securities in a winding\u2013up <span class=\"_ _7\"></span>occurring prior to the conversion trigger.<span class=\"_ _3eb\"> </span></div><div class=\"t m0 hc ff6 fs8 fc2 sc0 ls8 wsb gs730\">Reserves<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs731\">The constituents of the reserves are <span class=\"_ _7\"></span>summarised as follows:</div><div class=\"t m0 h5 ff1 fs2 fc3 sc0 ls0 ws0 gs732\"> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">The capital reserve represents the exchange difference on redenomination of share capital <span class=\"_ _7\"></span>and share premium from </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs733\">sterling<span class=\"_ gs36\"> </span>to US dollars in 2001. The <span class=\"_ _7\"></span>capital redemption reserve represents the nominal value <span class=\"_ _7\"></span>of preference shares redeemed</div><div class=\"t m0 h5 ff1 fs2 fc3 sc0 ls0 ws0 gs734\"> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">The amounts in the \u2018Capital and Merger Reserve\u2019 represents the premium arising <span class=\"_ _7\"></span>on shares issued using a cash <span class=\"_ _7\"></span>box financing </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs735\">structure, which required the Company to <span class=\"_ _7\"></span>create a merger reserve under section 612 <span class=\"_ _7\"></span>of the Companies Act 2006. Shares <span class=\"_ _7\"></span>were </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs736\">issued using this structure in 2005 <span class=\"_ _7\"></span>and 2006 to assist in the funding <span class=\"_ _7\"></span>of Korea ($1.9 billion) and Taiwan <span class=\"_ _7\"></span>($1.2 billion) </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs737\">acquisitions, in 2008, 2010 and 2015 <span class=\"_ _7\"></span>for the shares issued by way of <span class=\"_ _7\"></span>a rights issue, primarily for capital <span class=\"_ _7\"></span>maintenance </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs738\">requirements and for the shares issued <span class=\"_ _7\"></span>in 2009 by way of an accelerated <span class=\"_ _7\"></span>book build, the proceeds of which <span class=\"_ _7\"></span>were used in the </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs739\">ordinary course of business of the <span class=\"_ _7\"></span>Group. The funding raised by the 2008, <span class=\"_ _7\"></span>2010 and 2015 rights issues and <span class=\"_ _7\"></span>2009 share issue </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs73a\">was fully retained within the <span class=\"_ _7\"></span>Company. Of the 2015 funding, <span class=\"_ _7\"></span>$1.5 billion was used to <span class=\"_ _7\"></span>subscribe to additional equity in <span class=\"_ _7\"></span>Standard </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs73b\">Chartered Bank, a wholly owned subsidiary <span class=\"_ _7\"></span>of the Company. Apart from the Korea, <span class=\"_ _7\"></span>Taiwan and Standard Chartered Bank </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs73c\">funding, the merger reserve is considered <span class=\"_ _7\"></span>realised and distributable</div><div class=\"t m0 h5 ff1 fs2 fc3 sc0 ls0 ws0 gs73d\"> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">Own credit adjustment reserve represents the cumulative gains and losses on financial <span class=\"_ _7\"></span>liabilities designated at fair </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs73e\">value<span class=\"_ gs36\"> </span>through profit or loss relating to <span class=\"_ _7\"></span>own credit. Gains and losses on financial <span class=\"_ _7\"></span>liabilities designated at fair value through </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs73f\">profit or<span class=\"_ gs36\"> </span>loss relating to own credit <span class=\"_ _7\"></span>in the year have been taken through <span class=\"_ _7\"></span>other comprehensive income into this reserve. </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs740\">On<span class=\"_ gs36\"> </span>derecognition of applicable instruments the balance <span class=\"_ _7\"></span>of any OCA will not be recycled <span class=\"_ _7\"></span>to the income statement, but will </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs741\">be<span class=\"_ gs36\"> </span>transferred within equity to retained earning</div><div class=\"t m0 h5 ff1 fs2 fc3 sc0 ls0 ws0 gs742\"> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">Fair value through other comprehensive income (FVOCI) debt reserve represents the unrealised <span class=\"_ _7\"></span>fair value gains and losses </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs743\">in<span class=\"_ gs36\"> </span>respect of financial assets classified as <span class=\"_ _7\"></span>FVOCI, net of expected credit losses and <span class=\"_ _7\"></span>taxation. Gains and losses are deferred </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs744\">in<span class=\"_ gs36\"> </span>this reserve and are reclassified to <span class=\"_ _7\"></span>the income statement when the underlying asset <span class=\"_ _7\"></span>is sold, matures or becomes impaired </div><div class=\"t m0 h5 ff1 fs2 fc3 sc0 ls0 ws0 gs745\"> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">FVOCI equity reserve represents unrealised fair value gains and losses in respect <span class=\"_ _7\"></span>of financial assets classified as FVOCI, <span class=\"_ _7\"></span>net </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs746\">of<span class=\"_ gs36\"> </span>taxation. Gains and losses are recorded <span class=\"_ _7\"></span>in this reserve and never recycled to <span class=\"_ _7\"></span>the income statement</div><div class=\"t m0 h5 ff1 fs2 fc3 sc0 ls0 ws0 gs747\"> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">Cash flow hedge reserve represents the effective portion of the gains and <span class=\"_ _7\"></span>losses on derivatives that meet the <span class=\"_ _7\"></span>criteria for </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs748\">these types of hedges. Gains and <span class=\"_ _7\"></span>losses are deferred in this reserve and <span class=\"_ _7\"></span>are reclassified to the income statement <span class=\"_ _7\"></span>when </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs749\">the<span class=\"_ gs36\"> </span>underlying hedged item affects profit and <span class=\"_ _7\"></span>loss or when a forecast transaction is <span class=\"_ _7\"></span>no longer expected to occur</div><div class=\"t m0 h9 ff1 fs2 fc3 sc0 ls0 ws0 gs74a\"> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ls2\">Translation reserve represents the cumulative foreign exchange gains and losses on translation of the net investment<span class=\"_ _11\"></span> </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs74b\">of<span class=\"_ gs36\"> </span>the<span class=\"_ gs36\"> </span>Group in foreign operations. Since 1 <span class=\"_ _7\"></span>January 2004, gains and losses are deferred <span class=\"_ _7\"></span>to this reserve and are reclassified </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs74c\">to<span class=\"_ gs36\"> </span>the<span class=\"_ gs36\"> </span>income statement when the underlying foreign <span class=\"_ _7\"></span>operation is disposed. Gains and losses arising <span class=\"_ _7\"></span>from derivatives used </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs74d\">as<span class=\"_ gs36\"> </span>hedges of net investments are netted <span class=\"_ _7\"></span>against the foreign exchange gains and losses <span class=\"_ _7\"></span>on translation of the net investment </div><div class=\"t m0 h9 ff1 fs2 fc3 sc0 ls2 ws0 gs74e\">of the foreign operations</div><div class=\"t m0 h9 ff1 fs2 fc3 sc0 ls0 ws0 gs74f\"> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ls2\">Retained earnings represents profits and other comprehensive income earned by the Group and Company in the current<span class=\"_ _11\"></span> </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs750\">and<span class=\"_ gs36\"> </span>prior periods, together with the after <span class=\"_ _7\"></span>tax increase relating to equity-settled share options, <span class=\"_ _7\"></span>less dividend distributions, own </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs751\">shares held (treasury shares) and share <span class=\"_ _7\"></span>buybacks.<span class=\"_ _3eb\"> </span></div>A substantial part of the Group\u2019s <span class=\"_ _7\"></span>reserves is held in overseas subsidiary undertakings <span class=\"_ _7\"></span>and branches, principally to support local operations or to comply with local <span class=\"_ _7\"></span>regulations. The maintenance of local regulatory capital <span class=\"_ _7\"></span>ratios could potentially restrict the amount of reserves which can be <span class=\"_ _7\"></span>remitted. In addition, if these overseas reserves <span class=\"_ _7\"></span>were to be remitted, further unprovided taxation liabilities might arise.<span class=\"_ _3eb\"> </span>As at 31 December 2025, the <span class=\"_ _7\"></span>distributable reserves of Standard Chartered PLC (the <span class=\"_ _7\"></span>Company) were $14.1 billion (31 December 2024: $14.1 billion). Distributable reserves of <span class=\"_ _7\"></span>the Company were $14.1 billion, which include <span class=\"_ _7\"></span>the distributable portions of retained earnings. Distributable reserves are derived from <span class=\"_ _7\"></span>the Merger reserve and Retained earnings, reduced <span class=\"_ _7\"></span>by ordinary dividend payments, distributions on AT1 instruments, share <span class=\"_ _7\"></span>buybacks, impairments in investments in subsidiaries, restricted <span class=\"_ _7\"></span>items in line with section 830 and 831 of <span class=\"_ _7\"></span>the Companies Act 2006. They are increased <span class=\"_ _7\"></span>by profits and the realisation of <span class=\"_ _7\"></span>retained earnings.<span class=\"_ _3eb\"> </span>Own shares<span class=\"_ _3eb\"> </span>The 2004 Employee Benefit Trust (2004 <span class=\"_ _7\"></span>Trust) is used in conjunction with the <span class=\"_ _7\"></span>Group\u2019s employee share schemes and other employee share-based payments (such as upfront <span class=\"_ _7\"></span>shares and salary shares). Computershare Trustees (Jersey) <span class=\"_ _7\"></span>Limited is the trustee of the 2004 Trust. Group <span class=\"_ _7\"></span>companies fund the 2004 Trust from time <span class=\"_ _7\"></span>to time to enable the trustees <span class=\"_ _7\"></span>to acquire shares in<span class=\"_ gs36\"> </span>Standard Chartered PLC to satisfy these <span class=\"_ _7\"></span>arrangements. Details of the shares purchased and <span class=\"_ _7\"></span>held by the 2004 Trust are set <span class=\"_ _7\"></span>out below. <table class=\"s wbd7 h285\" id=\"_935a2f84-410a-4f26-95dc-b7ff18e20f88\"><tr><td></td><td class=\"c n x16d5 y69fc wbd8 h205\"><div class=\"t m0 x1ed h39 y65c3 ff1 fs17 fc3 sc0 ls21 ws0\">2004<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16d6 y69fc w63c h205\"><div class=\"t m0 x1ed h39 y65c3 ff1 fs17 fc3 sc0 ls21 ws0\">Trust<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td class=\"c n x804 y69fd w36d h215\"><div class=\"t m0 x1ed h38 y6563 ff5 fs17 fc0 sc0 ls21 ws20\">2025<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16d7 y69fd w46b h205\"><div class=\"t m0 x1ed h38 y6563 ff1 fs17 fc3 sc0 ls21 ws20\">2024<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y658e wbd9 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Shares purchased during the period<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16d8 y658e wb87 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">24,477,541<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16d9 y658e wbda h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">19,604,557<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6659 wbdb h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">Market price of shares purchased ($million)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16da y6659 wbdc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">508<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16db y6659 w50c h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">223<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6566 wbdd h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Shares held at the end of the period<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16dc y6566 wbde h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">16,474,859<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16dd y6566 wbdf h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">17,589,987<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6567 wbe0 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Maximum number of shares held during the period<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16de y6567 wbe1 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">25,082,882<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa98 y6567 wbe2 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">28,085,688<span class=\"_ _3eb\"> </span></div></td></tr></table>Except as disclosed, neither the Company <span class=\"_ _7\"></span>nor any of its subsidiaries has bought, <span class=\"_ _7\"></span>sold or redeemed any securities of <span class=\"_ _7\"></span>the Company listed on The Stock Exchange <span class=\"_ _7\"></span>of Hong Kong Limited during the period.<span class=\"_ _3eb\"> </span>Computershare Trustees (Jersey) Limited abstains from <span class=\"_ _7\"></span>voting on the Standard Chartered PLC shares <span class=\"_ _7\"></span>held in the 2004 Trust.<span class=\"_ _3eb\"> </span>Dividend waivers<span class=\"_ _3eb\"> </span>The trustees of the 2004 Trust, which holds ordinary shares in Standard Chartered PLC in connection with the operation of<span class=\"_ gs36\"> </span>its<span class=\"_ gs36\"> </span>employee share plans, waive any dividend <span class=\"_ _7\"></span>on the balance of ordinary shares that <span class=\"_ _7\"></span>have not been allocated to employees, except for 0.01p per share.<span class=\"_ _3eb\"> </span>Changes in share <span class=\"_ _7\"></span>capital and <span class=\"_ _7\"></span>other equity instruments <span class=\"_ _7\"></span>of Standard <span class=\"_ _7\"></span>Chartered PLC subsidiaries<span class=\"_ _3eb\"> </span>The table below details the transactions <span class=\"_ _7\"></span>in equity instruments (including convertible and hybrid <span class=\"_ _7\"></span>instruments) of the Group\u2019s subsidiaries, including issuances, conversions, redemptions, purchase <span class=\"_ _7\"></span>or cancellation during the financial year. This <span class=\"_ _7\"></span>is required under the Hong Kong Listing requirements, <span class=\"_ _7\"></span>appendix D2 paragraph 10.<span class=\"_ _3eb\"> </span><table class=\"s wbe3 h286\" id=\"_304bc7af-c51f-4e57-bd17-08217eca3cf1\"><tr><td></td><td class=\"t m0 x404 h2c y69fe ff4 fs17 fc3 sc0 ls21 ws20\">Description of<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xb9a h2c y69fe ff4 fs17 fc3 sc0 ls21 ws20\">Issued/(redeemed) </td><td class=\"t m0 x9d4 h2c y69fe ff4 fs17 fc3 sc0 ls21 ws20\">Issued/(redeemed) </td></tr><tr><td class=\"t m0 x221 h3b y69ff ff1 fs5 fc3 sc0 ls5 ws5\">Name<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x16df h39 y69ff ff1 fs17 fc3 sc0 ls21 ws20\">Shares<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x8b5 h39 y69ff ff1 fs17 fc3 sc0 ls21 ws20\">Shares<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xf4d h39 y69ff ff1 fs17 fc3 sc0 ls21 ws20\">capital<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c n x1ee y6555 wbe4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Anchorpoint Financial Limited<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16e0 y6555 wbe5 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">HKD<span class=\"_ gs1a1\"> </span>Ordinary<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16e1 y6555 wbe6 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">9,360,000<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16e2 y6555 wbe7 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">HKD93,600,000<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6556 wbe8 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Appro Onboarding Solutions FZ-LLC<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16e3 y6556 wbe9 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">AED1,000.00 Ordinary<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16e4 y6556 wbea h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">55,609<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16e5 y6556 wbeb h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">AED55,609,000<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6a00 wbec h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Audax Financial Technology Pte. Ltd<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16e6 y6a00 wbed h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">US$1.00 Ordinary<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16e7 y6a00 wbee h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">8,600,000<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16e8 y6a00 wbef h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">USD8,600,000<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6a01 wbf0 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">CashEnable Pte. Ltd.<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16e9 y6a01 wbf1 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">US$<span class=\"_ gs1a1\"> </span>Ordinary<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16ea y6a01 wbf2 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">4,200,000<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16eb y6a01 wbf3 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">USD4,200,000<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6559 wbf4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Financial Inclusion Technologies Ltd<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16ec y6559 wbf5 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">US$<span class=\"_ gs1a1\"> </span>Ordinary<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16ed y6559 wbf6 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">17,513,444<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16ee y6559 w52f h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">USD17,513,444<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y655a wbf7 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Fourtwothree Pte. Ltd<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16ef y655a wbf8 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">US$ Ordinary<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16f0 y655a wbf9 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">2,300,000<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16f1 y655a wbfa h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">USD2,300,000<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y655b wbfb h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Furaha Holding Ltd<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16f2 y655b wbed h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">US$1.00 Ordinary<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16f3 y655b wbfc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">8,500,000<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16f4 y655b wbfd h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">USD8,500,000<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y655c wbfe h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Letsbloom India Private Limited<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16f5 y655c wbff h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">INR10.00 Equity<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16f6 y655c wc00 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">3,815,713<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16f7 y655c wc01 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">INR38,157,130<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y655d wc02 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Letsbloom Pte. Ltd.<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16f8 y655d wc03 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">US$<span class=\"_ gs1a1\"> </span>Ordinary-A<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16f9 y655d wb76 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">1,470,000<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16fa y655d wc04 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">USD1,470,000<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6573 wc05 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Libeara (Singapore) Pte. Ltd.<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16fb y6573 wc06 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">US$ Ordinary<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16fc y6573 wc07 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">4,300,000<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16fd y6573 wc08 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">USD4,300,000<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y667a wc09 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Libeara Pte. Ltd.<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16fe y667a wbf8 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">US$ Ordinary<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16ff y667a wc0a h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">3,500,000<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1700 y667a wc0b h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">USD3,500,000<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6646 wc0c h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Mox Bank Limited<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x573 y6646 wc0d h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">HKD<span class=\"_ gs1a1\"> </span>Ordinary<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1701 y6646 wc0e h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">93,840,000<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1702 y6646 wc0f h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">HKD938,400,000<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6561 wc10 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">myZoi Financial Inclusion Technologies LLC<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1703 y6561 wc11 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">AED1.00 Ordinary<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1704 y6561 wc12 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">40,000,000<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1705 y6561 w529 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">AED40,000,000<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6562 wc13 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Power2SME Pte. Ltd.<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1706 y6562 wc14 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">US$<span class=\"_ gs1a1\"> </span>Ordinary<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1707 y6562 wc15 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">9,175,676<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1708 y6562 wc16 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">USD9,175,676<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6610 wc17 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">PT Labamu Sejahtera Indonesia<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1709 y6610 wc18 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">IDR10,000.00 Ordinary<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x170a y6610 wc19 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">6,090,299<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x170b y6610 wc1a h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">IDR60,902,990,000<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6577 wc1b h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Qatalyst Pte. Ltd.<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x170c y6577 wbed h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">US$1.00 Ordinary<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x170d y6577 wc1c h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">1,100,000<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x170e y6577 wc1d h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">USD1,100,000<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6566 wc1e h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">SC Ventures Holdings Limited<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x170f y6566 wbed h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">US$1.00 Ordinary<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1710 y6566 wc1f h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">44,190,000<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1711 y6566 wc20 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">USD44,190,000<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6567 wc21 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">SCV Master Holding Company Pte. Ltd.<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1712 y6567 wc14 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">US$<span class=\"_ gs1a1\"> </span>Ordinary<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1713 y6567 wc22 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">66,200,000<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1714 y6567 wba4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">USD66,200,000<span class=\"_ _3eb\"> </span></div></td></tr></table><div class=\"gs3ff\"><table class=\"s wc2c h288\" id=\"_0ad854ff-695d-4dd6-89c9-1a1ed052b9e3\"><tr><td></td><td class=\"t m0 x4be h2c y6a04 ff4 fs17 fc3 sc0 ls21 ws20\">Description of<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1053 h2c y6a04 ff4 fs17 fc3 sc0 ls21 ws20\">Issued/(redeemed) </td><td class=\"t m0 x2ea h2c y6a04 ff4 fs17 fc3 sc0 ls21 ws20\">Issued/(redeemed) </td></tr><tr><td class=\"t m0 x235 h3b y6a05 ff1 fs5 fc3 sc0 ls5 ws5\">Name<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1721 h39 y6a05 ff1 fs17 fc3 sc0 ls21 ws20\">Shares<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x127c h39 y6a05 ff1 fs17 fc3 sc0 ls21 ws20\">Shares<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xbf0 h39 y6a05 ff1 fs17 fc3 sc0 ls21 ws20\">capital<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c n x1ee y656c wc2d h1ff\"><div class=\"t m0 x1ed h1a y6640 ff4 fs5 fc3 sc0 ls5 ws5\">SCV Research and Development Pte. Ltd.<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1722 y656c wc2e h1ff\"><div class=\"t m0 x1ed h1a y6640 ff4 fs5 fc3 sc0 ls5 ws5\">US$<span class=\"_ gs1a1\"> </span>Ordinary-A<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1723 y656c wc2f h1ff\"><div class=\"t m0 x1ed h1a y6640 ff4 fs5 fc3 sc0 ls5 ws5\">18,526,896<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1724 y656c wc30 h1ff\"><div class=\"t m0 x1ed h1a y6640 ff4 fs5 fc3 sc0 ls5 ws5\">USD18,526,896<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y656d wc31 h1ff\"><div class=\"t m0 x1ed h1a y6640 ff4 fs5 fc3 sc0 ls5 ws5\">Sky Harmony Holdings Limited<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1725 y656d wc32 h1ff\"><div class=\"t m0 x1ed h1a y6640 ff4 fs5 fc3 sc0 ls5 ws5\">USD1.00 Ordinary<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1726 y656d w41a h1fe\"><div class=\"t m0 x1ed h1a y6640 ff1 fs5 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x68c y656d wc33 h1fe\"><div class=\"t m0 x1ed h1a y6640 ff1 fs5 fc3 sc0 ls5 ws5\">USD1<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6a06 wc34 h1ff\"><div class=\"t m0 x1ed h1a y6640 ff4 fs5 fc3 sc0 ls5 ws5\">Solv Vietnam Company Limited<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb28 y6a06 wc35 h1ff\"><div class=\"t m0 x1ed h1a y6640 ff4 fs5 fc3 sc0 ls5 ws5\">VND<span class=\"_ gs1a1\"> </span>Charter<span class=\"_ gs1a1\"> </span>Capital<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1727 y6a06 wc36 h1ff\"><div class=\"t m0 x1ed h1a y6640 ff4 fs5 fc3 sc0 ls5 ws5\">12,845,000,000<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1728 y6a06 wc37 h1ff\"><div class=\"t m0 x1ed h1a y6640 ff4 fs5 fc3 sc0 ls5 ws5\">VND12,845,000,000<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6a07 wc38 h1fe\"><div class=\"t m0 x1ed h1a y6640 ff1 fs5 fc3 sc0 ls5 ws0\">Solvezy Technology Ghana Ltd<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1729 y6a07 wc39 h1ff\"><div class=\"t m0 x1ed h1a y6640 ff4 fs5 fc3 sc0 ls5 ws5\">GHS<span class=\"_ gs1a1\"> </span>Ordinary<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x172a y6a07 wc3a h1ff\"><div class=\"t m0 x1ed h1a y6640 ff4 fs5 fc3 sc0 ls5 ws5\">40,957,952<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x172b y6a07 wc3b h1ff\"><div class=\"t m0 x1ed h1a y6640 ff4 fs5 fc3 sc0 ls5 ws5\">GHS40,957,952<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6555 wc3c h1ff\"><div class=\"t m0 x1ed h1a y6640 ff4 fs5 fc3 sc0 ls5 ws5\">Solvezy Technology Kenya Limited<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x172c y6555 wc3d h1ff\"><div class=\"t m0 x1ed h1a y6640 ff4 fs5 fc3 sc0 ls5 ws5\">KES1,000.00 Ordinary<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x172d y6555 w5e3 h1ff\"><div class=\"t m0 x1ed h1a y6640 ff4 fs5 fc3 sc0 ls5 ws5\">289,482<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x172e y6555 wc3e h1ff\"><div class=\"t m0 x1ed h1a y6640 ff4 fs5 fc3 sc0 ls5 ws5\">KES289,482,000<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6556 wc3f h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Solv-India Pte. Ltd.<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x172f y6556 wc14 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">US$<span class=\"_ gs1a1\"> </span>Ordinary<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1730 y6556 wc40 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">54,900,000<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1731 y6556 wc41 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">USD54,900,000<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6557 wc42 h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Standard Chartered Bank C\u00f4te d\u2019Ivoire SA<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1732 y6557 wc43 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">XOF100,000.00<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1733 y6557 wd4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">52,566<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1734 y6557 wc44 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">XOF5,256,600,000<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6558 wc45 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Standard Chartered Bank Nigeria Limited<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1735 y6558 wc46 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">NGN1.00 Ordinary<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1736 y6558 wc47 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">9,151,152,653<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1737 y6558 wc48 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">NGN9,151,152,653<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y658b wc49 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Standard Chartered Holdings Limited<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1738 y658b wc4a h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">US$2.00 Ordinary<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1739 y658b wc4b h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">11,624,204<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x173a y658b wc4c h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">USD23,248,408<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6570 wc4d h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Standard Chartered I H Limited<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x173b y6570 wbed h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">US$1.00 Ordinary<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x173c y6570 wc4e h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">23,248,408<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x173d y6570 wc4f h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">USD23,248,408<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6571 wc50 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Standard Chartered Luxembourg S.A.<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x173e y6571 wc51 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">\u20ac1.00 Ordinary<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x173f y6571 wc52 h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">1,500,000<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1740 y6571 wc53 h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">EUR1,500,000<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y69cb wc54 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Standard Chartered Private Equity (Mauritius) Limited<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1741 y69cb wc55 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">US$1.00 Ordinary<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1742 y69cb wc56 h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">500,000<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1743 y69cb wc57 h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">USD500,000<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y655d wc58 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Standard Chartered Private Equity (Mauritius) lll Limited<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1744 y655d wbed h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">US$1.00 Ordinary<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1745 y655d wb76 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">38,813,419<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1746 y655d wc04 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">USD38,813,419<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6573 wc59 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Standard Chartered Research and Technology India Private <span class=\"_ _7\"></span>Limited<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1747 y6573 wbff h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">INR10.00 Equity<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1748 y6573 wc5a h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">34,617,793<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1749 y6573 wc5b h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">INR346,177,930<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6574 wc5c h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Standard Chartered Strategic Investments Limited<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x174a y6574 wc55 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">US$1.00 Ordinary<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x174b y6574 wc5d h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">5,949,826<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x174c y6574 wc5e h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">USD5,949,826<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6560 wc5f h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">TASConnect (Malaysia) Sdn. Bhd.<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x174d y6560 wc60 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">RM5.00 Ordinary<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x174e y6560 wc61 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">687,900<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x174f y6560 wc62 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">MYR3,439,500<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6575 wc63 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Trust Bank Singapore Limited<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1750 y6575 wc64 h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">SGD Ordinary<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1751 y6575 wc65 h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">25,000,000<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1752 y6575 wc66 h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">SGD25,000,000<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y658d wc67 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Zodia Custody (Europe) S.A.<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1753 y658d wc68 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">\u20ac100.00 Ordinary<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1754 y658d wc69 h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">300<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1755 y658d wc6a h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">EUR30,000<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y658e wc6b h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Zodia Holdings Limited<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1756 y658e wc55 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">US$1.00 Ordinary<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1757 y658e wc6c h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">41,401,604<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1758 y658e wc6d h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">USD41,401,604<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6659 wc6e h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Zodia Markets (AME) Limited<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1759 y6659 wc14 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">US$<span class=\"_ gs1a1\"> </span>Ordinary<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x175a y6659 wc6f h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">1,200,000<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x175b y6659 wc70 h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">USD1,200,000<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6826 wc71 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Zodia Markets (Jersey) Limited<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x175c y6826 wc14 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">US$<span class=\"_ gs1a1\"> </span>Ordinary<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x175d y6826 wc72 h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">10,000<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x175e y6826 wc73 h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">USD10,000<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6567 wc74 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Zodia Markets Holdings Limited<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x175f y6567 wc75 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">US$1.00 Series A<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1760 y6567 w5f h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">4,560<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1761 y6567 wc76 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">USD4,560<span class=\"_ _3eb\"> </span></div></td></tr></table></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs75e\">Please see Note 22 Debt securities <span class=\"_ _7\"></span>in issue for issuances and redemptions of <span class=\"_ _7\"></span>senior notes.<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs75f\">Please see Note 27 Subordinated liabilities <span class=\"_ _7\"></span>and other borrowed funds for issuance and <span class=\"_ _7\"></span>redemptions of subordinated liabilities.<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs760\">Please see Note 41 Related undertakings <span class=\"_ _7\"></span>of the Group for subsidiaries liquidated, dissolved <span class=\"_ _7\"></span>or sold during the year.</div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfShareCapitalReservesAndOtherEquityInterestExplanatory",
    "language": "en",
    "entity": "scheme:U4LOSYZ7YG4W3S5F2G91",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-723": {
   "value": "Accounting policy<span class=\"_ _3eb\"> </span>Securities which carry a discretionary coupon <span class=\"_ _7\"></span>and have no fixed maturity or redemption <span class=\"_ _7\"></span>date are classified as other equity instruments. Interest payments on these securities <span class=\"_ _7\"></span>are recognised, net of tax, as distributions <span class=\"_ _7\"></span>from equity in the period in which they are paid. Where the Company or other members of the consolidated Group purchase the Company\u2019s equity share capital, the consideration paid is deducted from the <span class=\"_ _7\"></span>total shareholders\u2019 equity of the Group and/or <span class=\"_ _7\"></span>of the Company as treasury shares until they are cancelled. Where such <span class=\"_ _7\"></span>shares are subsequently sold or reissued, any <span class=\"_ _7\"></span>consideration received is included in shareholders\u2019 equity of the Group and/or <span class=\"_ _7\"></span>the Company.<span class=\"_ _3eb\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForIssuedCapitalExplanatory",
    "language": "en",
    "entity": "scheme:U4LOSYZ7YG4W3S5F2G91",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-697": {
   "value": "<div class=\"t m0 hc ff7 fs8 fc2 sc0 ls8 wsb gs753\">Own shares<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs754\">The 2004 Employee Benefit Trust (2004 <span class=\"_ _7\"></span>Trust) is used in conjunction with the <span class=\"_ _7\"></span>Group\u2019s employee share schemes and other </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs755\">employee share-based payments (such as upfront <span class=\"_ _7\"></span>shares and salary shares). Computershare Trustees (Jersey) <span class=\"_ _7\"></span>Limited is the </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs756\">trustee of the 2004 Trust. Group <span class=\"_ _7\"></span>companies fund the 2004 Trust from time <span class=\"_ _7\"></span>to time to enable the trustees <span class=\"_ _7\"></span>to acquire shares </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs757\">in<span class=\"_ gs36\"> </span>Standard Chartered PLC to satisfy these <span class=\"_ _7\"></span>arrangements. </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs758\">Details of the shares purchased and <span class=\"_ _7\"></span>held by the 2004 Trust are set <span class=\"_ _7\"></span>out below. </div><div class=\"gs759\"><table class=\"s wbd7 h285\" id=\"_935a2f84-410a-4f26-95dc-b7ff18e20f88\"><tr><td></td><td class=\"c n x16d5 y69fc wbd8 h205\"><div class=\"t m0 x1ed h39 y65c3 ff1 fs17 fc3 sc0 ls21 ws0\">2004<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16d6 y69fc w63c h205\"><div class=\"t m0 x1ed h39 y65c3 ff1 fs17 fc3 sc0 ls21 ws0\">Trust<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td class=\"c n x804 y69fd w36d h215\"><div class=\"t m0 x1ed h38 y6563 ff5 fs17 fc0 sc0 ls21 ws20\">2025<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16d7 y69fd w46b h205\"><div class=\"t m0 x1ed h38 y6563 ff1 fs17 fc3 sc0 ls21 ws20\">2024<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y658e wbd9 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Shares purchased during the period<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16d8 y658e wb87 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">24,477,541<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16d9 y658e wbda h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">19,604,557<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6659 wbdb h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">Market price of shares purchased ($million)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16da y6659 wbdc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">508<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16db y6659 w50c h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">223<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6566 wbdd h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Shares held at the end of the period<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16dc y6566 wbde h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">16,474,859<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16dd y6566 wbdf h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">17,589,987<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6567 wbe0 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Maximum number of shares held during the period<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16de y6567 wbe1 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">25,082,882<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa98 y6567 wbe2 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">28,085,688<span class=\"_ _3eb\"> </span></div></td></tr></table></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs75a\">Except as disclosed, neither the Company <span class=\"_ _7\"></span>nor any of its subsidiaries has bought, <span class=\"_ _7\"></span>sold or redeemed any securities of <span class=\"_ _7\"></span>the </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs75b\">Company listed on The Stock Exchange <span class=\"_ _7\"></span>of Hong Kong Limited during the period.<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs75c\">Computershare Trustees (Jersey) Limited abstains from <span class=\"_ _7\"></span>voting on the Standard Chartered PLC shares <span class=\"_ _7\"></span>held in the 2004 Trust.<span class=\"_ _3eb\"> </span></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfTreasurySharesExplanatory",
    "language": "en",
    "entity": "scheme:U4LOSYZ7YG4W3S5F2G91",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-648": {
   "value": "<div class=\"t m0 hf ff8 fsb fc2 sc0 lsb ws9 gs762\">29. Non-controlling interests<span class=\"_ _3eb\"> </span></div><div class=\"gs763\"><table class=\"s wc23 h287\" id=\"_2e0f548c-a8c3-4e71-bf94-dddb1c869e34\"><tr><td></td><td class=\"t m0 x230 h38 y6a02 ff5 fs17 fc0 sc0 ls21 ws20\">2025<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x231 h39 y6a02 ff1 fs17 fc3 sc0 ls21 ws20\">2024<span class=\"_ _3eb\"> </span></td></tr><tr><td></td><td class=\"t m0 x233 h38 y6a03 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x234 h2c y6a03 ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c n x1ee y6560 wc24 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">As at 1 January<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1715 y6560 we7 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">394<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1716 y6560 wd8 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">396<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6575 wc25 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">Comprehensive income/(loss) for the year<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15fb y6575 wb8 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">45<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x88d y6575 wb9 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(22)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x236 y658d wc26 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">Income/(loss) in equity attributable to non-controlling interests<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1717 y658d w3c9 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">33<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1718 y658d wa6e h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(14)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x236 y658e wc27 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">Other profits/(loss) attributable to non-controlling interests<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1719 y658e w9b2 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">12<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x171a y658e w75 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(8)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6577 wc28 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">Distributions<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x171b y6577 wc29 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(50)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x171c y6577 wc2a h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(43)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y665a wc2b h21c\"><div class=\"t m0 x1ed h3b y6600 ff1 fs5 fc3 sc0 ls5 ws0\">Other increases</div><div class=\"t m0 x171d h3c y6601 ff1 fs1b fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x992 y6566 w8b8 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">76<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x171e y6566 w1f2 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">63<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6567 waac h203\"><div class=\"t m0 x1ed h3d y655f ff5 fs5 fc3 sc0 ls5 ws5\">As at 31 December<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x171f y6567 w137 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">465<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1720 y6567 w378 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">394<span class=\"_ _3eb\"> </span></div></td></tr></table></div><div class=\"t m0 hb ff1 fs7 fc3 sc0 ls7 ws7 gs764\">1 <span class=\"_ _b\"> </span><span class=\"ff4\">Movements in 2025 are primarily from Mox Bank Limited ($26 million), Standard Chartered <span class=\"_ _7\"></span>Research and Technology India Private Limited ($12 million), <span class=\"_ _7\"></span>Zodia </span></div><div class=\"t m0 hb ff4 fs7 fc3 sc0 ls7 ws7 gs765\">Markets Holdings Limited ($15 million), Trust<span class=\"_ gs1a2\"> </span>Bank Singapore Limited <span class=\"_ _7\"></span>($8 million), Anchorpoint Financial Limited ($6 million), Financial <span class=\"_ _7\"></span>Inclusion Tech ($6 million) </div><div class=\"t m0 hb ff4 fs7 fc3 sc0 ls7 ws7 gs766\">and Furaha Holding Ltd ($3million). Movements in 2024 <span class=\"_ _7\"></span>are primarily from non-controlling interests pertaining to Trust <span class=\"_ _7\"></span>Bank Singapore Limited ($55 million) and </div><div class=\"t m0 hb ff4 fs7 fc3 sc0 ls7 ws7 gs767\">Mox Bank Limited ($14 million) partly offset by <span class=\"_ _7\"></span>disposal of SCB Angola S.A. ($6 million). Cash <span class=\"_ _7\"></span>received from additional investment was $40 million (31 <span class=\"_ _7\"></span>December </div><div class=\"t m0 hb ff4 fs7 fc3 sc0 ls7 ws7 gs768\">2024: $55 million).</div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfNoncontrollingInterestsExplanatory",
    "language": "en",
    "entity": "scheme:U4LOSYZ7YG4W3S5F2G91",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-698": {
   "value": "30. Retirement benefit <span class=\"_ _1b\"></span>obligations<span class=\"_ _3eb\"> </span>Accounting policy<span class=\"_ _3eb\"> </span>The Group operates pension and other post-retirement benefit plans around the world, which are categorised into defined contribution plans and defined benefit plans. For defined contribution plans, the Group <span class=\"_ _7\"></span>pays contributions to publicly or privately administered <span class=\"_ _7\"></span>pension plans on a statutory or contractual basis, and such <span class=\"_ _7\"></span>amounts are charged to operating expenses. The <span class=\"_ _7\"></span>Group has no further payment obligations once the contributions have been <span class=\"_ _7\"></span>paid.<span class=\"_ _3eb\"> </span>For defined benefit plans, which promise <span class=\"_ _7\"></span>levels of payments where the future cost <span class=\"_ _7\"></span>is not known with certainty: <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">The accounting obligation is calculated annually by independent actuaries using the projected <span class=\"_ _7\"></span>unit method.</span> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ls2\">Actuarial gains and losses that arise are recognised in shareholders\u2019 equity and presented in the statement of other<span class=\"_ _11\"></span> </span>comprehensive income in the period they <span class=\"_ _7\"></span>arise. <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">The Group determines the net interest expense on the net defined benefit <span class=\"_ _7\"></span>liability for the year by applying <span class=\"_ _7\"></span>the discount </span>rate used to measure the defined <span class=\"_ _7\"></span>benefit obligation at the beginning of the <span class=\"_ _7\"></span>annual period to the net defined <span class=\"_ _7\"></span>benefit liability, taking into account any changes <span class=\"_ _7\"></span>in the net defined benefit liability during <span class=\"_ _7\"></span>the year as a result of <span class=\"_ _7\"></span>contributions and<span class=\"_ gs36\"> </span>benefit payments. Net interest expense, the <span class=\"_ _7\"></span>cost of the accrual of new benefits, <span class=\"_ _7\"></span>benefit enhancements (or reductions) and administration expenses met directly from <span class=\"_ _7\"></span>plan assets are recognised in the income <span class=\"_ _7\"></span>statement in the period in which they were incurred.<span class=\"_ _3eb\"> </span>Other accounting estimates and judgements<span class=\"_ _3eb\"> </span>There are many factors that affect <span class=\"_ _7\"></span>the measurement of the retirement benefit obligations. <span class=\"_ _7\"></span>This measurement requires the<span class=\"_ gs36\"> </span>use of estimates, such as discount <span class=\"_ _7\"></span>rates, inflation, pension increases, salary increases, and <span class=\"_ _7\"></span>life expectancies which are inherently uncertain. The table below summarises <span class=\"_ _7\"></span>how these assumptions are set:<span class=\"_ _3eb\"> </span><table class=\"s wc77 h289\" id=\"_072f5440-bfc5-4cb3-a275-11c9878bb462\"><tr><td class=\"c n x1ee y6a08 wc78 h215\"><div class=\"t m0 x1ed h38 y6563 ff5 fs17 fc3 sc0 ls21 ws20\">Assumption<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1762 y6a08 wc79 h215\"><div class=\"t m0 x1ed h38 y6563 ff5 fs17 fc3 sc0 ls21 ws20\">Detail<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6a0a wc7a h28a\"><div class=\"t m0 x1ed h20 y6a09 ff6 fs2 fc3 sc0 ls2 ws0\">Discount rate<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1763 y6a0a wc7b h203\"><div class=\"t m0 x1ed h20 y6a09 ff1 fs2 fc3 sc0 ls2 ws0\">Determined by reference to market yields at the end of the reporting period on high-quality<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td class=\"t m0 x1764 h9 y6a0b ff1 fs2 fc3 sc0 ls2 ws0\">corporate bonds (or, in countries where there is no deep market in such bonds, government </td></tr><tr><td></td><td class=\"t m0 x1764 h5 y6a0c ff4 fs2 fc3 sc0 ls2 ws1\">bonds) of a currency and term <span class=\"_ _7\"></span>consistent with the currency and term of <span class=\"_ _7\"></span>the post-employment </td></tr><tr><td></td><td class=\"t m0 x1764 h5 y6a0d ff4 fs2 fc3 sc0 ls2 ws1\">benefit obligations. This is the approach <span class=\"_ _7\"></span>adopted across all our geographies. </td></tr><tr><td class=\"c n x1ee y6a0e wc7c h28a\"><div class=\"t m0 x1ed h20 y6a09 ff6 fs2 fc3 sc0 ls2 ws1\">Inflation<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1765 y6a0e wc7d h28a\"><div class=\"t m0 x1ed h20 y6a09 ff4 fs2 fc3 sc0 ls2 ws1\">Where there are inflation-linked bonds available <span class=\"_ _7\"></span>(e.g. United Kingdom and the eurozone),<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td class=\"t m0 x1764 h5 y6a0f ff4 fs2 fc3 sc0 ls2 ws1\">the<span class=\"_ gs36\"> </span>Group derives inflation based on the <span class=\"_ _7\"></span>market on those bonds, with the market <span class=\"_ _7\"></span>yield adjusted </td></tr><tr><td></td><td class=\"t m0 x1764 h5 y6a10 ff4 fs2 fc3 sc0 ls2 ws1\">in<span class=\"_ gs36\"> </span>respect of the United Kingdom to <span class=\"_ _7\"></span>take account of the fact that liabilities <span class=\"_ _7\"></span>are linked to </td></tr><tr><td></td><td class=\"t m0 x1764 h5 y6a11 ff4 fs2 fc3 sc0 ls2 ws1\">Consumer Price Index inflation, whereas the <span class=\"_ _7\"></span>reference bonds are linked to Retail Price <span class=\"_ _7\"></span>Index </td></tr><tr><td></td><td class=\"t m0 x1764 h5 y6a12 ff4 fs2 fc3 sc0 ls2 ws1\">inflation. Where no inflation-linked bonds exist, <span class=\"_ _7\"></span>we determine inflation assumptions based </td></tr><tr><td></td><td class=\"t m0 x1764 h5 y6a13 ff4 fs2 fc3 sc0 ls2 ws1\">on<span class=\"_ gs36\"> </span>a<span class=\"_ gs36\"> </span>combination of long-term forecasts and short-term <span class=\"_ _7\"></span>inflation data.<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c n x1ee y6a14 wc7e h28a\"><div class=\"t m0 x1ed h20 y6a09 ff7 fs2 fc3 sc0 ls2 ws1\">Salary growth<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1766 y6a14 wc7f h203\"><div class=\"t m0 x1ed h20 y6a09 ff1 fs2 fc3 sc0 ls2 ws0\">Salary growth assumptions reflect the Group\u2019s long-term expectations, taking into account<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td class=\"t m0 x1764 h5 y6a15 ff4 fs2 fc3 sc0 ls2 ws1\">future business plans and macroeconomic data <span class=\"_ _7\"></span>(primarily expected future long-term inflation).<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c n x1ee y6a16 wc80 h28a\"><div class=\"t m0 x1ed h20 y6a09 ff6 fs2 fc3 sc0 ls2 ws0\">Demographic assumptions<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1767 y6a16 wc81 h28a\"><div class=\"t m0 x1ed h20 y6a09 ff4 fs2 fc3 sc0 ls2 ws1\">Demographic assumptions, including mortality and turnover rates, <span class=\"_ _7\"></span>are typically set based<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td class=\"t m0 x1764 h5 y6a17 ff4 fs2 fc3 sc0 ls2 ws1\">on<span class=\"_ gs36\"> </span>the assumptions used in the most <span class=\"_ _7\"></span>recent actuarial funding valuation, and will generally </td></tr><tr><td></td><td class=\"t m0 x1764 h5 y6a18 ff4 fs2 fc3 sc0 ls2 ws1\">use<span class=\"_ gs36\"> </span>industry standard tables, adjusted where appropriate <span class=\"_ _7\"></span>to reflect recent historic experience </td></tr><tr><td></td><td class=\"t m0 x1764 h5 y6a19 ff4 fs2 fc3 sc0 ls2 ws1\">and/or future expectations.<span class=\"_ _3eb\"> </span></td></tr></table>The sensitivity of the liabilities to <span class=\"_ _7\"></span>changes in these assumptions is shown in <span class=\"_ _7\"></span>the Note below.<span class=\"_ _3eb\"> </span>Retirement benefit obligations and charge comprises:<span class=\"_ _3eb\"> </span><table class=\"s w3c7 h28b\" id=\"_59c53794-7c24-4e99-ba13-c5b1387dd5a6\"><tr><td></td><td class=\"c n x1768 y6a1a wc82 h204\"><div class=\"t m0 x1ed h2c y6696 ff4 fs17 fc3 sc0 ls21 ws20\">Obligation<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n x1769 y6a1a wc83 h205\"><div class=\"t m0 x1ed h2c y6696 ff1 fs17 fc3 sc0 ls21 ws20\">Charge<span class=\"_ _3eb\"> </span></div></td><td></td></tr><tr><td></td><td class=\"t m0 x3ff h38 y6a1b ff5 fs17 fc0 sc0 ls21 ws20\">2025<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x400 h39 y6a1b ff1 fs17 fc3 sc0 ls21 ws20\">2024<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1e8 h38 y6a1b ff5 fs17 fc0 sc0 ls21 ws20\">2025<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1e9 h39 y6a1b ff1 fs17 fc3 sc0 ls21 ws20\">2024<span class=\"_ _3eb\"> </span></td></tr><tr><td></td><td class=\"t m0 x176a h2c y6a1c ff4 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x405 h2c y6a1c ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1eb h38 y6a1c ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1ec h2c y6a1c ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c n x1ee y6577 wc84 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Defined benefit plans<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc21 y6577 w11e h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">146<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x176b y6577 wae3 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">101<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x176c y6577 we8 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">125<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x176d y6577 w73 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">62<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6566 wc85 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">Defined contribution plans<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x176e y6566 w1e6 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">23<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x176f y6566 w485 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">14<span class=\"_ _3eb\"> </span></div></td><td class=\"c x1771 y6566 wc86 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">393</div><div class=\"t m0 x1770 h93 y6657 ff6 fs1b fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x53d h1a y6a1d ff4 fs5 fc3 sc0 ls5 ws5\">389<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c n x1ee y6567 w49a h203\"><div class=\"t m0 x1ed h3d y655f ff5 fs5 fc3 sc0 ls5 ws5\">Total<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1772 y6567 w1a6 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">169<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1773 y6567 web h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">115<span class=\"_ _3eb\"> </span></div></td><td class=\"c x1612 y6567 wc87 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">518</div><div class=\"t m0 x1774 h93 y6657 ff6 fs1b fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td><td class=\"c x1776 y6963 wc88 h231\"><div class=\"t m0 x1ed h3b y6600 ff1 fs5 fc3 sc0 ls5 ws5\">451</div><div class=\"t m0 x1775 h3c y667e ff1 fs1b fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td></tr></table>1 <span class=\"_ _b\"> </span><span class=\"ff4\">The Group during the year utilised against defined contribution payments, $1 million forfeited <span class=\"_ _7\"></span>pension contributions in respect of employees who left <span class=\"_ _7\"></span>before their </span>interests vested fully. The residual balance of forfeited <span class=\"_ _7\"></span>contributions is $21 million.<span class=\"_ _3eb\"> </span>2 <span class=\"_ _f\"> </span><span class=\"ff4\">Refer to note 7 \u2013 Operating expenses.<span class=\"_ _3eb\"> </span></span>The Group operates over 60 defined <span class=\"_ _7\"></span>benefit plans across its geographies, many of <span class=\"_ _7\"></span>which are closed to new entrants <span class=\"_ _7\"></span>who now join defined contribution arrangements. The aim <span class=\"_ _7\"></span>of all these plans is, as part <span class=\"_ _7\"></span>of the Group\u2019s commitment to financial <span class=\"_ _7\"></span>wellbeing, to give employees the opportunity to save appropriately for retirement in a way that is consistent with local regulations, taxation requirements and market conditions. The <span class=\"_ _7\"></span>defined benefit plans expose the Group to <span class=\"_ _7\"></span>currency risk, interest rate risk, investment risk and actuarial risks such <span class=\"_ _7\"></span>as longevity risk.<span class=\"_ _3eb\"> </span>The disclosures required under IAS 19 <span class=\"_ _7\"></span>have been calculated by independent qualified actuaries <span class=\"_ _7\"></span>based on the most recent full actuarial valuations updated, where necessary, to <span class=\"_ _7\"></span>31 December 2025.<span class=\"_ _3eb\"> </span>Financial and demographic assumptions have remained <span class=\"_ _7\"></span>largely consistent with those used in the <span class=\"_ _7\"></span>prior year. And the impact on<span class=\"_ gs36\"> </span>the liabilities of any movements in <span class=\"_ _7\"></span>interest and inflation rates has been partially <span class=\"_ _7\"></span>hedged by the government and corporate bonds held.<span class=\"_ _3eb\"> </span>The increase in the pension deficit <span class=\"_ _7\"></span>during the year was primarily driven by <span class=\"_ _7\"></span>regulatory and legal developments in India (causing<span class=\"_ gs36\"> </span>a<span class=\"_ gs36\"> </span>past service cost of $48 million) <span class=\"_ _7\"></span>and Kenya ($19 million). In India, a <span class=\"_ _7\"></span>past service cost has been recognised <span class=\"_ _7\"></span>in relation to statutory lump sum plans, based <span class=\"_ _7\"></span>on the current interpretation of new regulations <span class=\"_ _7\"></span>that expand the definition of pay <span class=\"_ _7\"></span>on which they are calculated. The new regulations <span class=\"_ _7\"></span>were substantively enacted on 21 November and <span class=\"_ _7\"></span>applied both immediately and retrospectively; further clarification from the local <span class=\"_ _7\"></span>authorities is expected in 2026. In Kenya, <span class=\"_ _7\"></span>the Retirement Benefits Appeals Tribunal (RBAT) ruled broadly in favour <span class=\"_ _7\"></span>of a longstanding legal case brought by <span class=\"_ _7\"></span>629 former employees. A past service <span class=\"_ _7\"></span>cost reflects the financial impact of this <span class=\"_ _7\"></span>judgment, which included a mandate to fund <span class=\"_ _7\"></span>the plan. Where legacy colleagues have <span class=\"_ _7\"></span>yet to<span class=\"_ gs36\"> </span>be traced, the temporary surplus arising <span class=\"_ _7\"></span>from the mandated funding has been disregarded <span class=\"_ _7\"></span>under IFRIC 14.<span class=\"_ _3eb\"> </span>UK Fund<span class=\"_ _3eb\"> </span>The Standard Chartered Pension Fund (the <span class=\"_ _7\"></span>\u2018UK Fund\u2019) is the Group\u2019s largest pension <span class=\"_ _7\"></span>plan, representing 46 per cent (31 December 2024: 46 per cent) <span class=\"_ _7\"></span>of total pension liabilities. The UK Fund <span class=\"_ _7\"></span>is set up under a trust <span class=\"_ _7\"></span>that is legally separate from the<span class=\"_ gs36\"> </span>Bank (its formal sponsor) and, as <span class=\"_ _7\"></span>required by UK legislation, at least one <span class=\"_ _7\"></span>third of the trustee directors are <span class=\"_ _7\"></span>nominated by<span class=\"_ gs36\"> </span>members; the remainder are appointed by <span class=\"_ _7\"></span>the Bank. The trustee directors have a <span class=\"_ _7\"></span>fiduciary duty to members and are responsible<span class=\"_ gs36\"> </span>for governing the UK Fund in <span class=\"_ _7\"></span>accordance with its Trust Deed and Rules. The UK Fund was closed to <span class=\"_ _7\"></span>new entrants from 1 July 1998 and <span class=\"_ _7\"></span>closed to the accrual of new <span class=\"_ _7\"></span>benefits from 1 April 2018: all <span class=\"_ _7\"></span>UK employees are now offered membership of <span class=\"_ _7\"></span>a defined contribution plan.<span class=\"_ _3eb\"> </span>The financial position of the UK <span class=\"_ _7\"></span>Fund is regularly assessed by an independent <span class=\"_ _7\"></span>qualified actuary. The funding valuation as at<span class=\"_ gs36\"> </span>31<span class=\"_ gs36\"> </span>December 2023 was completed in December <span class=\"_ _7\"></span>2024 by the Scheme Actuary, T Kripps <span class=\"_ _7\"></span>of Willis Towers Watson, using assumptions different from those used for <span class=\"_ _7\"></span>IAS 19, and agreed with the UK <span class=\"_ _7\"></span>Fund trustee. It showed that the <span class=\"_ _7\"></span>UK Fund was 96% funded at that date, revealing a <span class=\"_ _7\"></span>past service deficit of $48 million (\u00a338 <span class=\"_ _7\"></span>million). To repair the deficit, three annual <span class=\"_ _7\"></span>cash payments each of $13 million (\u00a310 <span class=\"_ _7\"></span>million) were agreed, with the first <span class=\"_ _7\"></span>of these paid in<span class=\"_ gs36\"> </span>December 2024, and two further instalments <span class=\"_ _7\"></span>to be paid in December 2025 and <span class=\"_ _7\"></span>December 2026. However, the agreement allowed that the payments due in <span class=\"_ _7\"></span>2025 and 2026 may be varied depending <span class=\"_ _7\"></span>on the funding position at the <span class=\"_ _7\"></span>preceding 30 June provided that total payments over the <span class=\"_ _7\"></span>three year recovery plan period do not <span class=\"_ _7\"></span>exceed $38 million (\u00a330 million). Based <span class=\"_ _7\"></span>on financial conditions at 30 June 2025, <span class=\"_ _7\"></span>the Scheme Actuary determined that the 2025 <span class=\"_ _7\"></span>payment should be $7million (\u00a35 million), and this was remitted to the <span class=\"_ _7\"></span>Fund in December. As part of the <span class=\"_ _7\"></span>2023 valuation agreement, it was agreed <span class=\"_ _7\"></span>that gilts with a<span class=\"_ gs36\"> </span>nominal value of $200 million (\u00a3160 <span class=\"_ _7\"></span>million) would remain in escrow to provide <span class=\"_ _7\"></span>additional security the Trustee.<span class=\"_ _3eb\"> </span>The Group has not recognised any <span class=\"_ _7\"></span>additional liability under IFRIC 14, as the <span class=\"_ _7\"></span>Bank has control of any pension <span class=\"_ _7\"></span>surplus under the Trust Deed and Rules.<span class=\"_ _3eb\"> </span>Overseas plans<span class=\"_ _3eb\"> </span>The principal overseas defined benefit arrangements <span class=\"_ _7\"></span>operated by the Group are in Hong <span class=\"_ _7\"></span>Kong, India, Jersey, Korea, Taiwan, Thailand, United Arab Emirates (UAE) and <span class=\"_ _7\"></span>the United States of America (US). Plans <span class=\"_ _7\"></span>in Hong Kong, India, Korea, Taiwan, Thailand, and UAE remain open for <span class=\"_ _7\"></span>accrual of future benefits.<span class=\"_ _3eb\"> </span>Key assumptions<span class=\"_ _3eb\"> </span>The principal financial assumptions used at <span class=\"_ _7\"></span>31 December 2025 were:<span class=\"_ _3eb\"> </span><table class=\"s w7de h28c\" id=\"_300a9ba0-8e46-4c4b-9572-b0870e90ec53\"><tr><td></td><td></td><td class=\"c n x934 y6a1e w306 h215\"><div class=\"t m0 x1ed h38 y6563 ff5 fs17 fc0 sc0 ls21 ws20\">2025<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td class=\"c n x1777 y6a1e w46b h205\"><div class=\"t m0 x1ed h38 y6563 ff1 fs17 fc3 sc0 ls21 ws20\">2024<span class=\"_ _3eb\"> </span></div></td><td></td></tr><tr><td></td><td class=\"t m0 xeb4 h38 y6a1f ff5 fs17 fc0 sc0 ls21 ws20\">UK Funded<span class=\"_ _3eb\"> </span></td><td class=\"c x1779 y6a20 wc89 h262\"><div class=\"t m0 x1ed h38 y6563 ff5 fs17 fc0 sc0 ls21 ws20\">Overseas Plans</div><div class=\"t m0 x1778 ha7 y68e2 ff5 fs19 fc0 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c x177b y6a20 wc8a h262\"><div class=\"t m0 x1ed h38 y6563 ff5 fs17 fc0 sc0 ls21 ws20\">Unfunded Plans</div><div class=\"t m0 x177a ha7 y68e2 ff5 fs19 fc0 sc0 ls0 ws0\">2</div></td><td class=\"t m0 x531 h39 y6a1f ff1 fs17 fc3 sc0 ls21 ws0\">UK Funded<span class=\"_ _3eb\"> </span></td><td class=\"c x177c y6a22 wc8b h28d\"><div class=\"t m0 x1ed h39 y65c3 ff1 fs17 fc3 sc0 ls21 ws0\">Overseas Plans</div><div class=\"t m0 x12b6 h3a y6a21 ff1 fs19 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c x8b6 y6a22 w82c h28d\"><div class=\"t m0 x1ed h39 y65c3 ff1 fs17 fc3 sc0 ls21 ws0\">Unfunded Plans</div><div class=\"t m0 x177d h3a y6a21 ff1 fs19 fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td class=\"t m0 xeb5 h38 y6a23 ff5 fs17 fc0 sc0 ls0 ws0\">%<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x177e h38 y6a23 ff5 fs17 fc0 sc0 ls0 ws0\">%<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xf4b h38 y6a23 ff5 fs17 fc0 sc0 ls0 ws0\">%<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x177f h39 y6a23 ff1 fs17 fc3 sc0 ls0 ws0\">%<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xd32 h39 y6a23 ff1 fs17 fc3 sc0 ls0 ws0\">%<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1780 h39 y6a23 ff1 fs17 fc3 sc0 ls0 ws0\">%<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c n x1ee y6a24 wc8c h1fe\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Discount rate<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1781 y6a24 wc8d h1ff\"><div class=\"t m0 x1ed h3d y6548 ff7 fs5 fc3 sc0 ls5 ws5\">5.5<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1782 y6a24 w5fd h1ff\"><div class=\"t m0 x1ed h3d y6548 ff7 fs5 fc3 sc0 ls5 ws5\">1.3 \u2013 6.7<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1783 y6a24 wc8e h1ff\"><div class=\"t m0 x1ed h3d y6548 ff7 fs5 fc3 sc0 ls5 ws5\">1.4 \u2013 <span class=\"_ _7\"></span>6.7<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1784 y6a24 wc8f h1ff\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">5.5<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1785 y6a24 wc90 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">1.6 \u2013 6.9<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1786 y6a24 wc91 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">2.5 \u2013 6.9<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6a25 wc92 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">Price inflation<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1787 y6a25 wc93 h201\"><div class=\"t m0 x1ed h3d y6548 ff7 fs5 fc3 sc0 ls5 ws5\">2.4<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1788 y6a25 wc94 h201\"><div class=\"t m0 x1ed h3d y6548 ff7 fs5 fc3 sc0 ls5 ws5\">2.0 \u2013 5.0<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1789 y6a25 wc95 h201\"><div class=\"t m0 x1ed h3d y6548 ff7 fs5 fc3 sc0 ls5 ws5\">2.0 \u2013 5.0<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x178a y6a25 wc96 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">2.5<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x178b y6a25 wc97 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">2.0 \u2013 5.0<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x178c y6a25 wc97 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">2.0 \u2013 5.0<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6a26 wc98 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Salary increases<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x178d y6a26 wc99 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">n/a<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x178e y6a26 wc9a h201\"><div class=\"t m0 x1ed h3d y6548 ff7 fs5 fc3 sc0 ls5 ws5\">3.5 \u2013 7.5<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x178f y6a26 wc9b h201\"><div class=\"t m0 x1ed h3d y6548 ff7 fs5 fc3 sc0 ls5 ws5\">2.4 \u2013 7.5<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1790 y6a26 w8f1 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">n/a<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1791 y6a26 wc9c h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">3.5 \u2013 8.5<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1792 y6a26 wc9d h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">4.0 \u2013 8.5<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6a27 wc9e h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Pension increases<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1793 y6a27 wc9f h201\"><div class=\"t m0 x1ed h3d y6548 ff7 fs5 fc3 sc0 ls5 ws5\">2.4<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1794 y6a27 wca0 h201\"><div class=\"t m0 x1ed h3d y6548 ff7 fs5 fc3 sc0 ls5 ws5\">0 \u2013 2.8<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1795 y6a27 wca1 h201\"><div class=\"t m0 x1ed h3d y6548 ff7 fs5 fc3 sc0 ls5 ws5\">0 \u2013 2.4<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1796 y6a27 wca2 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">2.3<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1797 y6a27 wca3 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">0 \u2013 2.9<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1798 y6a27 w802 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">0 \u2013 2.3<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x221 h3b y6a28 ff1 fs5 fc3 sc0 ls5 ws5\">Post-retirement </td><td class=\"c n x1799 y6a29 wc99 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">n/a<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x179a y6a29 wc99 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">n/a<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x179b y6a29 wca4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws0\">8% in 2025 reducing<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x179c y6a2a w8f1 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">n/a<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n x179d y6a2a wca5 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">8% in 2024 reducing<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x221 h1a y6a2b ff4 fs5 fc3 sc0 ls5 ws5\">medical<span class=\"_ gs1a1\"> </span>rate<span class=\"_ _3eb\"> </span></td><td></td><td></td><td class=\"t m0 x179e h3d y6a2b ff7 fs5 fc3 sc0 ls5 ws5\">by 0.5% per annum </td><td></td><td></td><td class=\"t m0 x8f8 h1a y6a2b ff4 fs5 fc3 sc0 ls5 ws5\">by 0.5% per annum </td></tr><tr><td></td><td></td><td></td><td class=\"t m0 x8bc h3d y6a2c ff6 fs5 fc3 sc0 ls5 ws0\">to 5% in 2031<span class=\"_ _3eb\"> </span></td><td></td><td></td><td class=\"t m0 x179f h3b y6a2c ff1 fs5 fc3 sc0 ls5 ws0\">to 5% in 2030<span class=\"_ _3eb\"> </span></td></tr></table>1 <span class=\"_ _b\"> </span><span class=\"ff4\">The range of assumptions shown is for the funded defined benefit overseas plans <span class=\"_ _7\"></span>in Hong Kong, India, Jersey, Korea, Taiwan, and <span class=\"_ _7\"></span>the US. These comprise around </span>80<span class=\"_ gs1a2\"> </span>per<span class=\"_ gs1a2\"> </span>cent of the total liabilities of overseas funded <span class=\"_ _7\"></span>plans.<span class=\"_ _3eb\"> </span>2 <span class=\"_ _f\"> </span><span class=\"ff4\">The range of assumptions shown is for the main unfunded defined benefit <span class=\"_ _7\"></span>plans in India, Korea, Thailand, Hong Kong, UAE, <span class=\"_ _7\"></span>UK and the US. They comprise over </span>90<span class=\"_ gs1a2\"> </span>per cent of the total liabilities of unfunded <span class=\"_ _7\"></span>plans.<span class=\"_ _3eb\"> </span>The principal non-financial assumptions are those <span class=\"_ _7\"></span>made for UK life expectancy. The UK <span class=\"_ _7\"></span>mortality tables are S4PMA for males and S4PFA for females, projected by <span class=\"_ _7\"></span>year of birth with the CMI 2023 <span class=\"_ _7\"></span>improvement model with a 1.25 per <span class=\"_ _7\"></span>cent annual trend and initial addition parameter of 0.25 per <span class=\"_ _7\"></span>cent. Scaling factors of 81 per cent <span class=\"_ _7\"></span>for male pensioners, 93 per cent <span class=\"_ _7\"></span>for female pensioners, 81 per cent for male dependants <span class=\"_ _7\"></span>and 81 per cent for female dependants <span class=\"_ _7\"></span>have been applied. The resulting assumptions for life expectancy <span class=\"_ _7\"></span>for the UK Fund are that a <span class=\"_ _7\"></span>male member currently aged 60 will <span class=\"_ _7\"></span>live for 28 years (2024: 28 years) and a female <span class=\"_ _7\"></span>member for 29 years (2024: 29 years) <span class=\"_ _7\"></span>and a male member currently aged <span class=\"_ _7\"></span>40 will live for 29 years (2024: 29 years) and a female <span class=\"_ _7\"></span>member for 31 years (2024: 31 years) <span class=\"_ _7\"></span>after their 60th birthdays.<span class=\"_ _3eb\"> </span>Both financial and non-financial assumptions can <span class=\"_ _7\"></span>be expected to change in the future, <span class=\"_ _7\"></span>which would affect the value placed on<span class=\"_ gs36\"> </span>the liabilities. For example, changes at <span class=\"_ _7\"></span>the reporting date to one of the <span class=\"_ _7\"></span>relevant actuarial assumptions, holding other assumptions constant, would have affected the <span class=\"_ _7\"></span>defined benefit obligation by the amounts shown <span class=\"_ _7\"></span>below: <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">If the discount rate increased by 25 basis points the liability would <span class=\"_ _7\"></span>reduce by approximately $25 million for <span class=\"_ _7\"></span>the UK Fund </span>(2024:<span class=\"_ gs36\"> </span>$25 million) and $20 million for <span class=\"_ _7\"></span>the other plans (2024: $20 million) <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">If the rate of inflation increased by 25 basis points the liability, <span class=\"_ _7\"></span>allowing for the consequent impact on <span class=\"_ _7\"></span>pension and salary </span>increases, would increase by approximately $15 <span class=\"_ _7\"></span>million for the UK Fund (2024: $15 <span class=\"_ _7\"></span>million) and $10 million for the <span class=\"_ _7\"></span>other plans (2024: $15 million) <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">If the rate of salary growth relative to inflation increased by 25 <span class=\"_ _7\"></span>basis points the liability would increase <span class=\"_ _7\"></span>by nil for the UK Fund </span>(2024: nil) and approximately $10 million <span class=\"_ _7\"></span>for the other plans (2024: $10 million) <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">If longevity expectations increased by one year the liability would increase by <span class=\"_ _7\"></span>approximately $40 million for the UK <span class=\"_ _7\"></span>Fund </span>(2024: $35 million) and $10 million <span class=\"_ _7\"></span>for the other plans (2024: $10 million)<span class=\"_ _3eb\"> </span>Although this analysis does not take <span class=\"_ _7\"></span>account of the full distribution of cash <span class=\"_ _7\"></span>flows expected, it does provide an <span class=\"_ _7\"></span>approximation of<span class=\"_ gs36\"> </span>the sensitivity to the main assumptions. <span class=\"_ _7\"></span>While changes in other assumptions would also <span class=\"_ _7\"></span>have an impact, the effect would not<span class=\"_ gs36\"> </span>be as significant.<span class=\"_ _3eb\"> </span>Profile of plan <span class=\"_ _7\"></span>obligations<span class=\"_ _3eb\"> </span><table class=\"s wca6 h28e\" id=\"_0a7e8528-09bb-4690-bad1-3d998d4989ad\"><tr><td></td><td class=\"t m0 x544 h38 y6a2d ff5 fs17 fc0 sc0 ls21 ws20\">Funded plans<span class=\"_ _3eb\"> </span></td><td></td><td class=\"t m0 xeb6 h38 y6a2e ff5 fs17 fc0 sc0 ls21 ws20\">Unfunded </td></tr><tr><td></td><td class=\"c n x17a0 y6a2f wca7 h204\"><div class=\"t m0 x1ed h38 y6563 ff5 fs17 fc0 sc0 ls21 ws20\">UK Fund<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17a1 y6a2f wca8 h204\"><div class=\"t m0 x1ed h38 y6563 ff5 fs17 fc0 sc0 ls21 ws20\">Overseas<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17a2 y6a2f wca9 h204\"><div class=\"t m0 x1ed h38 y6563 ff5 fs17 fc0 sc0 ls21 ws20\">plans<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6573 wcaa h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">Duration of the defined benefit obligation (in <span class=\"_ _7\"></span>years)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17a3 y6573 w3d2 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">10<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17a4 y6573 w8a3 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">8<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17a5 y6573 w8a3 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">8<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6574 wcab h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">Duration of the defined benefit obligation \u2013 <span class=\"_ _7\"></span>2024<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17a6 y6574 wa9 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">10<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17a7 y6574 w8a3 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">8<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1259 y6574 w8a3 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">8<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x221 h3b y6a30 ff1 fs5 fc3 sc0 ls5 ws0\">Benefits expected to be paid from plans<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y6575 wcac h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">Benefits expected to be paid during 2026<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16ff y6575 w2c1 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">89<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17a8 y6575 w355 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">102<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17a9 y6575 w74 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">21<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y658d wcad h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">Benefits expected to be paid during 2027<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17aa y658d w66 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">92<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17ab y658d w63f h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">138<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17ac y658d w473 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">19<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y658e wcae h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">Benefits expected to be paid during 2028<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17ad y658e w7be h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">94<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17ae y658e wcaf h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">117<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17a9 y658e w268 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">17<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6659 wcac h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">Benefits expected to be paid during 2029<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16ff y6659 w4fa h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">96<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17af y6659 waae h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">127<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17b0 y6659 w268 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">17<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6566 wcb0 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Benefits expected to be paid during 2030<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17b1 y6566 w363 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">99<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17b2 y6566 w3d4 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">122<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17b3 y6566 w473 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">19<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6567 wcb1 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Benefits expected to be paid during 2031 to 2035<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17b4 y6567 w405 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">529<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17b5 y6567 wcb2 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">595<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17b6 y6567 w473 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">91<span class=\"_ _3eb\"> </span></div></td></tr></table>Fund values: <table class=\"s wcb3 h28f\" id=\"_c6d9b8b0-649f-4ae6-a127-1b35850870d3\"><tr><td></td><td></td><td></td><td class=\"c n x115d y6a31 w306 h215\"><div class=\"t m0 x1ed h38 y6563 ff5 fs17 fc0 sc0 ls21 ws20\">2025<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td class=\"c n x17b7 y6a31 w46b h205\"><div class=\"t m0 x1ed h38 y6563 ff1 fs17 fc3 sc0 ls21 ws20\">2024<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"c n x17b8 y6a32 wcb4 h215\"><div class=\"t m0 x1ed h38 y6563 ff5 fs17 fc0 sc0 ls21 ws20\">UK Fund<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td class=\"c n x17b9 y6a32 wcb5 h215\"><div class=\"t m0 x1ed h38 y6563 ff5 fs17 fc0 sc0 ls21 ws20\">Overseas plans<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td class=\"c n x17ba y6a32 w1c8 h205\"><div class=\"t m0 x1ed h38 y6563 ff1 fs17 fc3 sc0 ls21 ws0\">UK Fund<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td class=\"c n x17bb y6a32 wcb6 h205\"><div class=\"t m0 x1ed h38 y6563 ff1 fs17 fc3 sc0 ls21 ws0\">Overseas plans<span class=\"_ _3eb\"> </span></div></td><td></td></tr><tr><td></td><td class=\"t m0 x17bc h38 y6a33 ff5 fs17 fc0 sc0 ls21 ws20\">Quoted </td><td class=\"t m0 x17bd h38 y6a33 ff5 fs17 fc0 sc0 ls21 ws20\">Unquoted </td><td class=\"t m0 x127a h38 y6a33 ff5 fs17 fc0 sc0 ls21 ws20\">Total </td><td class=\"t m0 x2f7 h38 y6a33 ff5 fs17 fc0 sc0 ls21 ws20\">Quoted </td><td class=\"t m0 x4bc h38 y6a33 ff5 fs17 fc0 sc0 ls21 ws20\">Unquoted </td><td class=\"t m0 x12e6 h38 y6a33 ff5 fs17 fc0 sc0 ls21 ws20\">Total </td><td class=\"t m0 x667 h2c y6a33 ff4 fs17 fc3 sc0 ls21 ws20\">Quoted </td><td class=\"t m0 x6c4 h39 y6a33 ff1 fs17 fc3 sc0 ls21 ws20\">Unquoted </td><td class=\"t m0 x4b0 h39 y6a33 ff1 fs17 fc3 sc0 ls21 ws20\">Total </td><td class=\"t m0 x14b8 h2c y6a33 ff4 fs17 fc3 sc0 ls21 ws20\">Quoted </td><td class=\"t m0 x6bb h39 y6a33 ff1 fs17 fc3 sc0 ls21 ws20\">Unquoted </td><td class=\"t m0 x6cb h39 y6a33 ff1 fs17 fc3 sc0 ls21 ws20\">Total </td></tr><tr><td></td><td class=\"t m0 x17be h38 y6a34 ff2 fs17 fc0 sc0 ls21 ws20\">assets<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xe30 h38 y6a34 ff2 fs17 fc0 sc0 ls21 ws20\">assets<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x6b8 h38 y6a34 ff2 fs17 fc0 sc0 ls21 ws20\">assets<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x17bf h38 y6a34 ff2 fs17 fc0 sc0 ls21 ws20\">assets<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x17c0 h38 y6a34 ff2 fs17 fc0 sc0 ls21 ws20\">assets<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x17c1 h38 y6a34 ff2 fs17 fc0 sc0 ls21 ws20\">assets<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1051 h39 y6a34 ff1 fs17 fc3 sc0 ls21 ws20\">assets<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x2e1 h39 y6a34 ff1 fs17 fc3 sc0 ls21 ws20\">assets<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x17c2 h39 y6a34 ff1 fs17 fc3 sc0 ls21 ws20\">assets<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x162c h39 y6a34 ff1 fs17 fc3 sc0 ls21 ws20\">assets<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xc2b h39 y6a34 ff1 fs17 fc3 sc0 ls21 ws20\">assets<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x66b h39 y6a34 ff1 fs17 fc3 sc0 ls21 ws20\">assets<span class=\"_ _3eb\"> </span></td></tr><tr><td></td><td class=\"t m0 x17bc h38 y6a35 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xe33 h38 y6a35 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x17c3 h38 y6a35 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x2f7 h38 y6a35 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x2e5 h38 y6a35 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x4bd h38 y6a35 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x667 h2c y6a35 ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x2f9 h2c y6a35 ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x6be h2c y6a35 ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x14b8 h2c y6a35 ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x17c4 h2c y6a35 ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x234 h2c y6a35 ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"t m0 x235 h8 y6a36 ff5 fs5 fc3 sc0 ls5 ws5\">At 31 December<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y6a37 wcb7 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">Equities<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17c5 y6a37 w3f4 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17c6 y6a37 w2bc h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17c7 y6a37 w2f0 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17c8 y6a37 w89e h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">108<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17c9 y6a37 w2bc h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17ca y6a37 w89e h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">108<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17cb y6a37 w4da h1fe\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17cc y6a37 w1d4 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17cd y6a37 w4da h1fe\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17ce y6a37 w39f h1fe\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">132<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17cf y6a37 w1d4 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17d0 y6a37 w39e h1fe\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">132<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6a38 wcb8 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Government bonds<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17d1 y6a38 wcb9 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">332<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17d2 y6a38 w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17d3 y6a38 w11a h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">332<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17d4 y6a38 w11a h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">323<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17d5 y6a38 w2bc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17d6 y6a38 wcb9 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">323<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17d7 y6a38 w44c h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">342<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17d8 y6a38 w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17d9 y6a38 wcba h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">342<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17da y6a38 w11b h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">269<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17db y6a38 w1cf h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17dc y6a38 w11b h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">269<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6a39 wcbb h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Corporate bonds<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17dd y6a39 waba h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">411<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17de y6a39 w62a h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">134<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17df y6a39 wcbc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">545<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17e0 y6a39 wa5 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">266<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17e1 y6a39 w2bc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17e2 y6a39 wa5 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">266<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17e3 y6a39 w50c h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">357<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17e4 y6a39 wcbd h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">126<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17e5 y6a39 w9de h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">483<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17e6 y6a39 wcbd h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">291<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17e7 y6a39 w1cf h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17e8 y6a39 wcbd h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">291<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6a3a wcbe h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Hedge funds<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17e9 y6a3a w2bc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17ea y6a3a w47b h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">4<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17eb y6a3a w263 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">4<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17ec y6a3a w7be h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">94<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17ed y6a3a w2bc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17ee y6a3a w7be h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">94<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17ef y6a3a w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17f0 y6a3a w40 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls0 ws0\">5<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17f1 y6a3a w1df h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls0 ws0\">5<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17f2 y6a3a w1cf h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17f3 y6a3a w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17f4 y6a3a w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6a3b wcbf h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">Infrastructure<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17f5 y6a3b w2bc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17f6 y6a3b w47d h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">191<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17f7 y6a3b wa66 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">191<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17f8 y6a3b w2bc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17f9 y6a3b w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17fa y6a3b w2bc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17fb y6a3b w1cf h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17fc y6a3b wcc0 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">170<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17fd y6a3b wcc0 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">170<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17fe y6a3b w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17ff y6a3b w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1800 y6a3b w1cf h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6a3c wcc1 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">Property<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1801 y6a3c w2bc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1802 y6a3c wcc2 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">80<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1803 y6a3c wcc2 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">80<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n x1804 y6a3c w8b5 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">18<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1805 y6a3c w8b5 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">18<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1806 y6a3c w1cf h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1807 y6a3c we3 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">81<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1808 y6a3c we3 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">81<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1809 y6a3c w1cf h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x180a y6a3c w4be h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">15<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x180b y6a3c w4be h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">15<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6a3d wcc3 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">Derivatives<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x180c y6a3d w3f4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x180d y6a3d w265 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(2)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x180e y6a3d w2bc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb27 y6a3d w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x180f y6a3d w2bc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1810 y6a3d w2bc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1811 y6a3d w5d2 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">22<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1812 y6a3d wac h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(1)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1813 y6a3d w11d h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">21<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1814 y6a3d w1cf h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1815 y6a3d w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1816 y6a3d w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y6a3e wcc4 h219\"><div class=\"t m0 x1ed h3b y65db ff1 fs5 fc3 sc0 ls5 ws0\">Cash and<span class=\"_ _3eb\"> </span></div><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">equivalents<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1817 y6a3e w9a7 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">38<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1818 y6a3e w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1819 y6a3e w9a7 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">38<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x181a y6a3e wcc5 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">151<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x181b y6a3e w9fa h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">165\u00b2<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x181c y6a3e wcc6 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">316<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1811 y6a3e w3a7 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">35<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x181d y6a3e w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x181e y6a3e w1ea h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">35<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x181f y6a3e w364 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">60<span class=\"_ _3eb\"> </span></div></td><td class=\"c x1821 y6a3e wcc7 h275\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">153</div><div class=\"t m0 x1820 h3c y697f ff1 fs1b fc3 sc0 ls0 ws0\">2</div></td><td class=\"t m0 x1822 h3b y6a3f ff1 fs5 fc3 sc0 ls5 ws5\">213<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c n x1ee y6a40 wae5 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">Others<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1823 y6a40 w4b0 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">9<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1824 y6a40 w2bc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1825 y6a40 w4b0 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">9<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1826 y6a40 w472 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">20<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1827 y6a40 w2bc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1828 y6a40 wcc8 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">20<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1829 y6a40 w57 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">7<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x182a y6a40 w4da h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x182b y6a40 wa8 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">9<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x182c y6a40 w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x182d y6a40 w412 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">156<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x182e y6a40 w412 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">156<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x235 h8 y6a41 ff5 fs5 fc3 sc0 ls5 ws5\">Total fair value </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1ee y6a42 wcc9 h201\"><div class=\"t m0 x1ed h8 y666e ff5 fs5 fc3 sc0 ls5 ws5\">of<span class=\"_ gs1a6\"> </span>assets</div><div class=\"t m0 x182f h93 y666f ff6 fs1b fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1830 y68ca wcca h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">794<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1831 y68ca w3e2 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">407<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1832 y68ca w352 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">1,201<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1833 y68ca w397 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">962<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1834 y68ca wccb h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">183<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1835 y68ca w28f h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">1,145<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1836 y68ca w114 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">765<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1837 y68ca wccc h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">383<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1838 y68ca w455 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">1,148<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1839 y68ca w39b h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">752<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x183a y68ca w44c h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">324<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x183b y68ca wccd h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">1,076<span class=\"_ _3eb\"> </span></div></td></tr></table>1 <span class=\"_ _b\"> </span><span class=\"ff4\">Self-investment is monitored closely and is less than $1 million of Standard Chartered <span class=\"_ _7\"></span>equities and bonds for 2025 (31 December 2024: <span class=\"_ _7\"></span>&lt;$1 million). Self-investment </span>is<span class=\"_ gs1a2\"> </span>only allowed where it is not practical <span class=\"_ _7\"></span>to exclude it \u2013 for example through <span class=\"_ _7\"></span>investment in index-tracking funds where the <span class=\"_ _7\"></span>Group is a constituent of the relevant <span class=\"_ _7\"></span>index.<span class=\"_ _3eb\"> </span>2 <span class=\"_ _f\"> </span><span class=\"ff4\">Cash and equivalents includes the value of insurance contracts held in Korea <span class=\"_ _7\"></span>which invest only in short term money market <span class=\"_ _7\"></span>instruments.<span class=\"_ _3eb\"> </span></span><table class=\"s wcce h290\" id=\"_02ef47a2-7af9-4dab-abb1-6edf7aa975e5\"><tr><td></td><td></td><td class=\"c n x183c y6a43 wccf h215\"><div class=\"t m0 x1ed h38 y6563 ff5 fs17 fc0 sc0 ls21 ws20\">At 31 December 2025<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td class=\"c n x183d y6a43 wcd0 h205\"><div class=\"t m0 x1ed h38 y6563 ff1 fs17 fc3 sc0 ls21 ws0\">At 31 December 2024<span class=\"_ _3eb\"> </span></div></td><td></td></tr><tr><td></td><td class=\"c n x183e y6a44 wcd1 h215\" colspan=\"2\"><div class=\"t m0 x1ed h38 y6563 ff5 fs17 fc0 sc0 ls21 ws20\">Funded plans<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x183f y6a44 wcd2 h215\"><div class=\"t m0 x1ed h38 y6563 ff5 fs17 fc0 sc0 ls21 ws20\">Unfunded Plans<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1840 y6a44 wcd3 h205\" colspan=\"2\"><div class=\"t m0 x1ed h38 y6563 ff1 fs17 fc3 sc0 ls21 ws0\">Funded plans<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1841 y6a44 wcd4 h205\"><div class=\"t m0 x1ed h38 y6563 ff1 fs17 fc3 sc0 ls21 ws0\">Unfunded Plans<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td></td><td class=\"t m0 x1050 h38 y6a45 ff5 fs17 fc0 sc0 ls21 ws20\">Overseas </td><td></td><td></td><td class=\"t m0 x1842 h39 y6a45 ff1 fs17 fc3 sc0 ls21 ws20\">Overseas<span class=\"_ _3eb\"> </span></td><td></td></tr><tr><td></td><td class=\"t m0 x1843 h38 y6a46 ff5 fs17 fc0 sc0 ls21 ws20\">UK Fund<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x104d h38 y6a46 ff5 fs17 fc0 sc0 ls21 ws20\">Plans<span class=\"_ _3eb\"> </span></td><td></td><td class=\"t m0 x2e8 h39 y6a46 ff1 fs17 fc3 sc0 ls21 ws0\">UK Fund<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x230 h39 y6a46 ff1 fs17 fc3 sc0 ls21 ws20\">Plans<span class=\"_ _3eb\"> </span></td><td></td></tr><tr><td></td><td class=\"t m0 x2f7 h38 y6a47 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"c n x13ed y6a48 w173 h204\"><div class=\"t m0 x1ed h38 y6563 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1844 y6a48 w173 h204\"><div class=\"t m0 x1ed h38 y6563 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x2fa h2c y6a47 ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"c n x1531 y6a49 w42b h204\"><div class=\"t m0 x1ed h2c y6696 ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1845 y6a49 wcd5 h204\"><div class=\"t m0 x1ed h2c y6696 ff4 fs17 fc3 sc0 ls21 ws20\">$million\ue004<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6a24 wcd6 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Total fair value of assets<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1846 y6a24 w352 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">1,201<span class=\"_ _3eb\"> </span></div></td><td class=\"c x1848 y6a24 wcd7 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">1,141</div><div class=\"t m0 x1847 h93 y6657 ff6 fs1b fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1429 y6a24 wc99 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">n/a<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1849 y6a24 w455 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">1,148<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x184a y6a24 wccd h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">1,076<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x184b y6a24 w8f1 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">n/a<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6a4a wcd8 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">Present value of liabilities<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x184c y6a4a wcd9 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(1,133)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x184d y6a4a wcda h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(1,170)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x184e y6a4a w25d h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(185)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x184f y6a4a wcdb h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(1,070)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1850 y6a4a wcdc h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(1,075)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1851 y6a4a wcdd h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(180)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6a4b wcde h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">Net pension plan asset/(obligation)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1852 y6a4b w27b h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">68<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1853 y6a4b w478 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(29)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1854 y6a4b w25d h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(185)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc11 y6a4b w3a1 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">78<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1855 y6a4b w41a h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1856 y6a4b wcdf h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(180)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x236 y68ad wce0 h218\"><div class=\"t m0 x1ed h1a y65f2 ff4 fs5 fc3 sc0 ls5 ws5\">Of which: Total pension assets in<span class=\"_ _3eb\"> </span></div><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">respect of plans in surplus<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1857 y68ad w27b h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">68<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1858 y68ad w27b h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">86<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb58 y68ad w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1859 y68ad w3a1 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">78<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x185a y68ad w7fd h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">73<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x185b y68ad w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x236 y6567 wce1 h218\"><div class=\"t m0 x1ed h1a y65f2 ff4 fs5 fc3 sc0 ls5 ws5\">Of which: Total pension obligations in<span class=\"_ _3eb\"> </span></div><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">respect of plans in deficit<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x185c y6567 w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x185d y6567 wce2 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(115)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x185e y6567 w25d h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(185)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x185f y6567 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1860 y6567 w3cd h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(72)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1861 y6567 wcdf h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(180)<span class=\"_ _3eb\"> </span></div></td></tr></table>1 <span class=\"_ _b\"> </span><span class=\"ff4\">Overseas plan assets include an asset ceiling in Kenya and legacy Zimbabwe arrangement, <span class=\"_ _7\"></span>resulting from a restriction on the recognition of <span class=\"_ _7\"></span>surplus.<span class=\"_ _3eb\"> </span></span>The pension cost for defined benefit <span class=\"_ _7\"></span>plans was:<span class=\"_ _3eb\"> </span><table class=\"s w429 h291\" id=\"_c0a6758b-bbac-4676-85a6-d84aeac73a2f\"><tr><td></td><td></td><td class=\"c n x1862 y6a4c w306 h204\"><div class=\"t m0 x1ed h38 y6563 ff5 fs17 fc0 sc0 ls21 ws20\">2025<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td></td><td></td><td class=\"c n x1863 y6a4c w307 h205\"><div class=\"t m0 x1ed h38 y6563 ff1 fs17 fc3 sc0 ls21 ws20\">2024<span class=\"_ _3eb\"> </span></div></td><td></td></tr><tr><td></td><td></td><td class=\"t m0 xc27 h38 y6a4d ff5 fs17 fc0 sc0 ls21 ws20\">Funded plans<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td class=\"t m0 xc29 h39 y6a4d ff1 fs17 fc3 sc0 ls21 ws0\">Funded plans<span class=\"_ _3eb\"> </span></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"t m0 x2d9 h38 y6a4e ff5 fs17 fc0 sc0 ls21 ws20\">Overseas </td><td class=\"t m0 x13e9 h38 y6a4e ff5 fs17 fc0 sc0 ls21 ws20\">Unfunded </td><td></td><td></td><td class=\"t m0 x1864 h39 y6a4e ff1 fs17 fc3 sc0 ls21 ws20\">Overseas </td><td class=\"t m0 x1865 h39 y6a4e ff1 fs17 fc3 sc0 ls21 ws20\">Unfunded </td><td></td></tr><tr><td></td><td class=\"t m0 x14b0 h38 y6a4f ff5 fs17 fc0 sc0 ls21 ws20\">UK Fund<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x6c2 h38 y6a4f ff5 fs17 fc0 sc0 ls21 ws20\">plans<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x6c3 h38 y6a4f ff5 fs17 fc0 sc0 ls21 ws20\">plans </td><td class=\"t m0 x2f2 h38 y6a4f ff5 fs17 fc0 sc0 ls21 ws20\">Total<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x2fa h39 y6a4f ff1 fs17 fc3 sc0 ls21 ws0\">UK Fund<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xc2a h39 y6a4f ff1 fs17 fc3 sc0 ls21 ws20\">plans<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xc2b h39 y6a4f ff1 fs17 fc3 sc0 ls21 ws20\">plans </td><td class=\"t m0 x6cb h39 y6a4f ff1 fs17 fc3 sc0 ls21 ws20\">Total<span class=\"_ _3eb\"> </span></td></tr><tr><td></td><td class=\"t m0 x66f h38 y6a50 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x2cd h38 y6a50 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x670 h38 y6a50 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x671 h38 y6a50 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x6cc h2c y6a50 ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x673 h2c y6a50 ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x674 h2c y6a50 ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x234 h2c y6a50 ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c x1ee y6997 wce3 h231\"><div class=\"t m0 x1ed h3b y6600 ff1 fs5 fc3 sc0 ls5 ws0\">Current service cost</div><div class=\"t m0 x1866 h3c y667e ff1 fs1b fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcb0 y6998 w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1867 y6998 w38e h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">50<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1868 y6998 w4b0 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">6<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1869 y6998 waa1 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">56<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x186a y6998 w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x186b y6998 w699 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">44<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x186c y6998 w5e h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">8<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x186d y6998 w92 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">52<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y6a51 wce4 h231\"><div class=\"t m0 x1ed h3b y6600 ff1 fs5 fc3 sc0 ls5 ws0\">Past service cost and curtailments</div><div class=\"t m0 x186e h3c y667e ff1 fs1b fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcb0 y6999 w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x186f y6999 w8b8 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">67<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1870 y6999 w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1871 y6999 w8b8 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">67<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1872 y6999 w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1873 y6999 w4da h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1874 y6999 wac h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(1)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1875 y6999 w41a h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y6a52 wce5 h231\"><div class=\"t m0 x1ed h3b y6600 ff1 fs5 fc3 sc0 ls5 ws0\">Settlement cost</div><div class=\"t m0 x171d h3c y667e ff1 fs1b fc3 sc0 ls0 ws0\">3<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcb0 y68c3 w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1876 y68c3 w2f1 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1877 y68c3 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1878 y68c3 w38b h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1879 y68c3 w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x187a y68c3 w32 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls0 ws0\">3<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x187b y68c3 w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x187c y68c3 w32 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls0 ws0\">3<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6695 wce6 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Interest income on pension plan assets<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x187d y6695 w62 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(65)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x187e y6695 wce7 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(61)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x187f y6695 w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1880 y6695 w58a h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(126)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1881 y6695 wce8 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(56)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1882 y6695 wa6e h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(41)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1883 y6695 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1884 y6695 wab8 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(97)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y65f3 wce9 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">Interest on pension plan liabilities<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1885 y65f3 w8a2 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">60<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1886 y65f3 waa1 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">59<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1887 y65f3 w8a3 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">8<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1888 y65f3 waae h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">127<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1889 y65f3 w4dc h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">54<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x188a y65f3 w485 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">41<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x188b y65f3 w5e h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">8<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x188c y65f3 w26f h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">103<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y65f4 wcea h203\"><div class=\"t m0 x1ed h3d y655f ff5 fs5 fc3 sc0 ls5 ws5\">Total charge to profit before deduction of <span class=\"_ _7\"></span>tax<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x188d y65f4 wceb h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(5)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x188e y65f4 w47d h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">116<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x188f y65f4 w5b9 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">14<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1890 y65f4 we8 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">125<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1891 y65f4 w9a8 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(2)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1892 y65f4 wcec h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">49<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1893 y65f4 w4be h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">15<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x92f y65f4 w73 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">62<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y6a53 wced h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Losses/(gains) on plan assets</div><div class=\"t m0 x318 h3c y660d ff1 fs1b fc3 sc0 ls0 ws0\">4<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1894 y65f5 w8b5 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">18<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1895 y65f5 w2bd h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(36)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1896 y65f5 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1897 y65f5 w422 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(18)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1898 y65f5 w3a1 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">78<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1899 y65f5 w469 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(32)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x189a y65f5 w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x189b y65f5 w475 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">46<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y65f6 wcee h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">Losses/(gains) on liabilities<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x189c y65f6 wcef h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">10<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x189d y65f6 w8b5 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">18<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x189e y65f6 w38b h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x189f y65f6 w66 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">29<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18a0 y65f6 w35b h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(103)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18a1 y65f6 w44 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">6<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18a2 y65f6 wac h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(1)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18a3 y65f6 w1ce h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(98)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x235 h8 y6a54 ff5 fs5 fc3 sc0 ls5 ws5\">Total losses/(gains) recognised directly in statement </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y6577 wcf0 h203\"><div class=\"t m0 x1ed h3d y655f ff5 fs5 fc3 sc0 ls5 ws5\">of comprehensive income before tax<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18a4 y6577 w3a9 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">28<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18a5 y6577 w2b0 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(18)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18a6 y6577 w38b h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18a7 y6577 wcf1 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">11<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18a8 y6577 w3ac h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(25)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18a9 y6577 w4d7 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(26)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18aa y6577 wac h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(1)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18ab y6577 w3ac h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(52)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6566 wcf2 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Deferred taxation<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18ac y6566 w265 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(2)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18ad y6566 w265 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(2)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18ae y6566 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x716 y6566 w4ad h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(4)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18af y6566 w40 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls0 ws0\">5<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18b0 y6566 w957 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">7<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18b1 y6566 w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18b2 y6566 w11d h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">12<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6567 wcf3 h203\"><div class=\"t m0 x1ed h3d y655f ff5 fs5 fc3 sc0 ls5 ws5\">Total losses/(gains) after tax<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18b3 y6567 w66 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">26<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18b4 y6567 wcf4 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(20)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18b5 y6567 w4ac h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18b6 y6567 w1de h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">7<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x75b y6567 w8fa h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(20)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18b7 y6567 w46e h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(19)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18b8 y6567 wac h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(1)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18b9 y6567 wab7 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(40)<span class=\"_ _3eb\"> </span></div></td></tr></table>1 <span class=\"_ _b\"> </span><span class=\"ff4\">Includes administrative expenses paid out of plan assets of $1 million (31 December <span class=\"_ _7\"></span>2024: $1 million) and actuarial losses of $1 <span class=\"_ _7\"></span>million (31 December 2024: $1 million) </span>that are immediately recognised through P&amp;L in line <span class=\"_ _7\"></span>with the requirements of IAS 19.<span class=\"_ _3eb\"> </span>2 <span class=\"_ _f\"> </span><span class=\"ff4\">Relates to provisional impact of regulatory change in India and RBAT court <span class=\"_ _7\"></span>ruling in Kenya.<span class=\"_ _3eb\"> </span></span>3 <span class=\"_ _f\"> </span><span class=\"ff4\">Impact of settlements relates to termination benefits in Indonesia.<span class=\"_ _3eb\"> </span></span>4 <span class=\"_ _e\"> </span><span class=\"ff4\">The actual return on the UK Fund assets was a gain of <span class=\"_ _7\"></span>$47 million (31 December 2024: $22 million loss) <span class=\"_ _7\"></span>and on overseas plan assets was a gain <span class=\"_ _7\"></span>of $97 million </span>(31 December 2024: $73 million loss)<span class=\"_ _3eb\"> </span>Movement in the deficit during the <span class=\"_ _7\"></span>year comprises:<span class=\"_ _3eb\"> </span><table class=\"s wcf5 h292\" id=\"_53b70d17-196e-4cb3-8fd5-c19b48048ee7\"><tr><td></td><td></td><td></td><td class=\"c n x18ba y6a55 w306 h215\"><div class=\"t m0 x1ed h38 y6563 ff5 fs17 fc0 sc0 ls21 ws20\">2025<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td></td><td class=\"c n x18bb y6a55 w307 h205\"><div class=\"t m0 x1ed h38 y6563 ff1 fs17 fc3 sc0 ls21 ws20\">2024<span class=\"_ _3eb\"> </span></div></td><td></td></tr><tr><td></td><td></td><td class=\"t m0 x1556 h38 y6a56 ff5 fs17 fc0 sc0 ls21 ws20\">Funded plans<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td class=\"t m0 xd31 h39 y6a56 ff1 fs17 fc3 sc0 ls21 ws0\">Funded plans<span class=\"_ _3eb\"> </span></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"t m0 x537 h38 y6a57 ff5 fs17 fc0 sc0 ls21 ws20\">Overseas </td><td class=\"t m0 x18bc h38 y6a58 ff5 fs17 fc0 sc0 ls21 ws20\">Unfunded </td><td></td><td></td><td class=\"t m0 x18bd h39 y6a57 ff1 fs17 fc3 sc0 ls21 ws20\">Overseas </td><td class=\"t m0 x18be h39 y6a58 ff1 fs17 fc3 sc0 ls21 ws20\">Unfunded </td><td></td></tr><tr><td></td><td class=\"t m0 x1552 h38 y6a59 ff5 fs17 fc0 sc0 ls21 ws20\">UK Fund<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x18bf h38 y6a59 ff5 fs17 fc0 sc0 ls21 ws20\">plans<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1557 h38 y6a5a ff5 fs17 fc0 sc0 ls21 ws20\">plans<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xf45 h38 y6a5a ff5 fs17 fc0 sc0 ls21 ws20\">Total<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1553 h39 y6a59 ff1 fs17 fc3 sc0 ls21 ws0\">UK Fund<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x10c3 h39 y6a59 ff1 fs17 fc3 sc0 ls21 ws20\">plans<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x9d0 h39 y6a5a ff1 fs17 fc3 sc0 ls21 ws20\">plans<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x60a h39 y6a5a ff1 fs17 fc3 sc0 ls21 ws20\">Total<span class=\"_ _3eb\"> </span></td></tr><tr><td></td><td class=\"t m0 x536 h38 y6a5b ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x530 h38 y6a5b ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x9cb h38 y6a5c ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x610 h38 y6a5c ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x611 h2c y6a5b ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x53b h2c y6a5b ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x18c0 h2c y6a5c ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1ec h2c y6a5c ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c n x1ee y655b wcf6 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff5 fs5 fc3 sc0 ls5 ws5\">Surplus/(Deficit)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18c1 y655b w8bf h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">78<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18c2 y655b w2f1 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18c3 y655b wcf7 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(180)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18c4 y655b wcf8 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(101)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18c5 y655b w38f h1fe\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">40<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18c6 y655b w2bf h1ff\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(17)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18c7 y655b w2ba h1ff\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(189)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x96b y655b w9a2 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(166)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y655c wcf9 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">Contributions<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18c8 y655c wcfa h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">7<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18c9 y655c w268 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">71<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18ca y655c w327 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">16<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18cb y655c w7be h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">94<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18cc y655c wcf h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">13<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18cd y655c w1f2 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">39<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18ce y655c w2b4 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">16<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18cf y655c wcfb h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">68<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y6a5d wcfc h25c\"><div class=\"t m0 x1ed h3b y6600 ff1 fs5 fc3 sc0 ls5 ws0\">Current service cost</div><div class=\"t m0 x18d0 h3c y667e ff1 fs1b fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8f4 y655d w2bc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18d1 y655d wc29 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(50)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18d2 y655d w8ba h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(6)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18d3 y655d wcfd h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(56)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18d4 y655d w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18d5 y655d w481 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(44)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18d6 y655d w75 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(8)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18d7 y655d w3ac h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(52)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y69cd wcfe h25c\"><div class=\"t m0 x1ed h3b y6600 ff1 fs5 fc3 sc0 ls5 ws0\">Past service cost and curtailments</div><div class=\"t m0 x18d8 h3c y667e ff1 fs1b fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8f4 y6573 w2bc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18d9 y6573 wcff h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(67)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18da y6573 w2bc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18db y6573 w8e3 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(67)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18dc y6573 w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18dd y6573 w4d3 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(2)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18de y6573 w41a h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18df y6573 wac h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(1)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6574 wd00 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Settlement costs and transfers impact<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18e0 y6574 w2bc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18e1 y6574 w298 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(1)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18e2 y6574 w2bc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18e3 y6574 wd01 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(1)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18e4 y6574 w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18e5 y6574 w38c h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(3)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18e6 y6574 w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18e7 y6574 w38c h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(3)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6646 wd02 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">Net interest on the net defined benefit <span class=\"_ _7\"></span>asset/liability<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18e8 y6646 w91 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">5<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18e9 y6646 w3f4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc73 y6646 w480 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(8)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18ea y6646 w471 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(1)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18eb y6646 w4da h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18ec y6646 w1cf h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18ed y6646 wd03 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(8)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18ee y6646 w4c8 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(6)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6561 wd04 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">Actuarial (losses)/gains<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18ef y6561 wa3 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(28)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18f0 y6561 w8b5 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">18<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18f1 y6561 w298 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(1)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18f2 y6561 wd05 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(11)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18f3 y6561 w92 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">25<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17ce y6561 w9ae h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">26<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18f4 y6561 w41a h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18f5 y6561 w8f h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">52<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6562 wd06 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Asset held for Sale<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18f6 y6562 w2bc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18f7 y6562 w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8fd y6562 w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18f8 y6562 w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18f9 y6562 w1cf h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18fa y6562 w1cf h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18fb y6562 w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10fc y6562 w1cf h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6610 wd07 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Other movement<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18fc y6610 w2bc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18fd y6610 w2bc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18fe y6610 w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18ff y6610 w1cf h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1900 y6610 w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1901 y6610 wac h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(1)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1902 y6610 w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1903 y6610 wac h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(1)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y69a8 wd08 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Asset ceiling</div><div class=\"t m0 x1904 h3c y65df ff1 fs1b fc3 sc0 ls0 ws0\">3<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8f4 y6577 w2bc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1905 y6577 w2ae h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(4)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1906 y6577 w2bc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1907 y6577 wd09 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(4)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1908 y6577 w1cf h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1909 y6577 w1cf h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x190a y6577 w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x190b y6577 w1cf h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6566 wd0a h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Exchange rate adjustment<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x190c y6566 w4b0 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">6<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x190d y6566 w2f1 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x190e y6566 w269 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(6)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x190f y6566 w38b h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1910 y6566 w9a8 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(2)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x718 y6566 w32 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls0 ws0\">3<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1911 y6566 w57 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">7<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1912 y6566 w5e h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">8<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6567 wcf6 h201\"><div class=\"t m0 x1ed h3d y6548 ff5 fs5 fc3 sc0 ls5 ws5\">Surplus/(Deficit)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1913 y6567 w27b h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">68<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1914 y6567 w478 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(29)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1915 y6567 w25d h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(185)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1916 y6567 w8ad h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(146)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1917 y6567 w3a1 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">78<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1918 y6567 w41a h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1919 y6567 wcdd h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(180)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x191a y6567 w81 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(101)<span class=\"_ _3eb\"> </span></div></td></tr></table>1 <span class=\"_ _b\"> </span><span class=\"ff4\">Includes administrative expenses paid out of plan assets of $1 million (31 December <span class=\"_ _7\"></span>2024: $1 million).<span class=\"_ _3eb\"> </span></span>2 <span class=\"_ _f\"> </span><span class=\"ff4\">Relates to provisional impact of regulatory change in India and RBAT court <span class=\"_ _7\"></span>ruling in Kenya.<span class=\"_ _3eb\"> </span></span>3 <span class=\"_ _f\"> </span><span class=\"ff4\">Overseas plans include an asset ceiling in Kenya and a legacy Zimbabwe arrangement, <span class=\"_ _7\"></span>resulting from a restriction on the recognition of <span class=\"_ _7\"></span>surplus.<span class=\"_ _3eb\"> </span></span>The Group\u2019s expected contribution to its <span class=\"_ _7\"></span>defined benefit pension plans in 2026 is <span class=\"_ _7\"></span>$83 million.<span class=\"_ _3eb\"> </span><table class=\"s w46a h293\" id=\"_0418608c-305e-452e-a191-a4fce796d496\"><tr><td></td><td></td><td class=\"c n x113c y6a5e w306 h215\"><div class=\"t m0 x1ed h38 y6563 ff5 fs17 fc0 sc0 ls21 ws20\">2025<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td class=\"c n x113d y6a5e w46b h205\"><div class=\"t m0 x1ed h38 y6563 ff1 fs17 fc3 sc0 ls21 ws20\">2024<span class=\"_ _3eb\"> </span></div></td><td></td></tr><tr><td></td><td class=\"t m0 x191b h38 y6a5f ff5 fs17 fc0 sc0 ls21 ws20\">Assets<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x8b2 h38 y6a5f ff5 fs17 fc0 sc0 ls21 ws20\">Obligations<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x11c5 h38 y6a5f ff5 fs17 fc0 sc0 ls21 ws20\">Total<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1ea h39 y6a5f ff1 fs17 fc3 sc0 ls21 ws20\">Assets<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x10c3 h2c y6a5f ff4 fs17 fc3 sc0 ls21 ws20\">Obligations<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x60a h39 y6a5f ff1 fs17 fc3 sc0 ls21 ws20\">Total<span class=\"_ _3eb\"> </span></td></tr><tr><td></td><td class=\"t m0 x8f9 h38 y6a60 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x8bc h38 y6a60 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x404 h38 y6a60 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x405 h2c y6a60 ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x8fa h2c y6a60 ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1ec h2c y6a60 ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c n x1ee y6559 wa4e h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">At 1 January<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x191c y6559 w9e5 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">2,224<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x191d y6559 wd0b h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(2,325)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x191e y6559 wcf8 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(101)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x191f y6559 w62 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">2,119<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1920 y6559 wbf h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(2,285)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1921 y6559 wd0c h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(166)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y6a61 wd0d h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Contributions</div><div class=\"t m0 x1922 h3c y65df ff1 fs1b fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1923 y655a wd0e h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">104<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1924 y655a wd0f h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(10)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1925 y655a w7be h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">94<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1926 y655a wd10 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">69<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1927 y655a wac h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(1)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1928 y655a wcfb h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">68<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y6a62 wd11 h231\"><div class=\"t m0 x1ed h3b y6600 ff1 fs5 fc3 sc0 ls5 ws0\">Current service cost</div><div class=\"t m0 x18d0 h3c y667e ff1 fs1b fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1929 y655b w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x192a y655b w62 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(56)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x192b y655b wcfd h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(56)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x192c y655b w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x192d y655b w3ac h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(52)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x192e y655b w3ac h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(52)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y655c wd12 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Past service cost and curtailments<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x192f y655c w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1930 y655c w8e3 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(67)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11fa y655c w8e3 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(67)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1931 y655c w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1932 y655c wac h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(1)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1933 y655c wac h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(1)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y6a5d wd13 h231\"><div class=\"t m0 x1ed h3b y6600 ff1 fs5 fc3 sc0 ls5 ws0\">Settlement costs</div><div class=\"t m0 x1934 h3c y667e ff1 fs1b fc3 sc0 ls0 ws0\">3<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1929 y655d w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1935 y655d w471 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(1)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1936 y655d wd01 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(1)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1937 y655d w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1938 y655d w38c h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(3)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1939 y655d w38c h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(3)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6573 wd14 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">Interest cost on pension plan liabilities<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb8a y6573 w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x193a y6573 wd15 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(127)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x193b y6573 wd16 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(127)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10d2 y6573 w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x193c y6573 w35b h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(103)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x193d y6573 w35b h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(103)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y667a wce6 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Interest income on pension plan assets<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x193e y667a w9f h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">126<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x193f y667a w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1940 y667a w33b h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">126<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1941 y667a w2c0 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">97<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1942 y667a w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1943 y667a w2c0 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">97<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y6a63 wd17 h21c\"><div class=\"t m0 x1ed h3b y6600 ff1 fs5 fc3 sc0 ls5 ws0\">Benefits paid out</div><div class=\"t m0 xd66 h3c y6601 ff1 fs1b fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1944 y6646 w4ba h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(210)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1945 y6646 w999 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">210<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1946 y6646 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1947 y6646 w9a2 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(169)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1948 y6646 w4ce h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">169<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1949 y6646 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y6a64 wd18 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Actuarial gains/(losses)</div><div class=\"t m0 x194a h3c y660d ff1 fs1b fc3 sc0 ls0 ws0\">4<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x194b y6561 w8b5 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">18<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x194c y6561 w478 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(29)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x194d y6561 w8e h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(11)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x194e y6561 wd19 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(46)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x194f y6561 wcfb h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">98<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1950 y6561 w8f h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">52<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6562 wd1a h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Asset held for sale<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1951 y6562 w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1952 y6562 w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x12da y6562 w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1953 y6562 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1954 y6562 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1955 y6562 w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6610 wd07 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Other movement<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1956 y6610 w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1957 y6610 w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1958 y6610 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1959 y6610 wd1b h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">212<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x195a y6610 wacb h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(213)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x195b y6610 wac h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(1)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y69a8 wd1c h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Asset ceiling</div><div class=\"t m0 x1904 h3c y65df ff1 fs1b fc3 sc0 ls0 ws0\">5<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x195c y6577 w2ae h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(4)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x195d y6577 w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x195e y6577 w4ad h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(4)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x195f y6577 w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1960 y6577 w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1961 y6577 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6566 wd0a h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Exchange rate adjustment<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1962 y6566 w1f6 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">84<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1963 y6566 w9e3 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(83)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1964 y6566 w4ac h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1965 y6566 w408 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(58)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1966 y6566 w30f h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">66<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1967 y6566 w5e h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">8<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6567 wb26 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">At 31 December<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1968 y6567 wa5f h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">2,342<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17e1 y6567 wd1d h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(2,488)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1969 y6567 w8e8 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(146)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x196a y6567 wd1e h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">2,224<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x196b y6567 w3c6 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(2,325)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x196c y6567 wb0 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(101)<span class=\"_ _3eb\"> </span></div></td></tr></table>1 <span class=\"_ _b\"> </span><span class=\"ff4\">Includes employee contributions of $11 million (31 December 2024: $1 million).<span class=\"_ _3eb\"> </span></span>2 <span class=\"_ _f\"> </span><span class=\"ff4\">Includes administrative expenses paid out of plan assets of $1 million (31 <span class=\"_ _7\"></span>December 2024: $1 million).<span class=\"_ _3eb\"> </span></span>3 <span class=\"_ _f\"> </span><span class=\"ff4\">Impact of settlements relates to termination benefits in Indonesia.<span class=\"_ _3eb\"> </span></span>4 <span class=\"_ _e\"> </span><span class=\"ff4\">Actuarial loss on obligation comprises $11 million loss (31 December 2024: $127 <span class=\"_ _7\"></span>million gain) from financial assumption changes, $1 million <span class=\"_ _7\"></span>gain (31 December 2024: </span>$1 million gain) from demographic assumption changes and <span class=\"_ _7\"></span>$19 million loss (31 December 2024: $30 million <span class=\"_ _7\"></span>loss) from experience.<span class=\"_ _3eb\"> </span>5 <span class=\"_ _f\"> </span><span class=\"ff4\">Assets include a ceiling in Kenya and a legacy Zimbabwe <span class=\"_ _7\"></span>arrangement, resulting from a restriction on the recognition <span class=\"_ _7\"></span>of surplus.</span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfDefinedContributionPlansExplanatory",
    "language": "en",
    "entity": "scheme:U4LOSYZ7YG4W3S5F2G91",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-671": {
   "value": "30. Retirement benefit <span class=\"_ _1b\"></span>obligations<span class=\"_ _3eb\"> </span>Accounting policy<span class=\"_ _3eb\"> </span>The Group operates pension and other post-retirement benefit plans around the world, which are categorised into defined contribution plans and defined benefit plans. For defined contribution plans, the Group <span class=\"_ _7\"></span>pays contributions to publicly or privately administered <span class=\"_ _7\"></span>pension plans on a statutory or contractual basis, and such <span class=\"_ _7\"></span>amounts are charged to operating expenses. The <span class=\"_ _7\"></span>Group has no further payment obligations once the contributions have been <span class=\"_ _7\"></span>paid.<span class=\"_ _3eb\"> </span>For defined benefit plans, which promise <span class=\"_ _7\"></span>levels of payments where the future cost <span class=\"_ _7\"></span>is not known with certainty: <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">The accounting obligation is calculated annually by independent actuaries using the projected <span class=\"_ _7\"></span>unit method.</span> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ls2\">Actuarial gains and losses that arise are recognised in shareholders\u2019 equity and presented in the statement of other<span class=\"_ _11\"></span> </span>comprehensive income in the period they <span class=\"_ _7\"></span>arise. <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">The Group determines the net interest expense on the net defined benefit <span class=\"_ _7\"></span>liability for the year by applying <span class=\"_ _7\"></span>the discount </span>rate used to measure the defined <span class=\"_ _7\"></span>benefit obligation at the beginning of the <span class=\"_ _7\"></span>annual period to the net defined <span class=\"_ _7\"></span>benefit liability, taking into account any changes <span class=\"_ _7\"></span>in the net defined benefit liability during <span class=\"_ _7\"></span>the year as a result of <span class=\"_ _7\"></span>contributions and<span class=\"_ gs36\"> </span>benefit payments. Net interest expense, the <span class=\"_ _7\"></span>cost of the accrual of new benefits, <span class=\"_ _7\"></span>benefit enhancements (or reductions) and administration expenses met directly from <span class=\"_ _7\"></span>plan assets are recognised in the income <span class=\"_ _7\"></span>statement in the period in which they were incurred.<span class=\"_ _3eb\"> </span>Other accounting estimates and judgements<span class=\"_ _3eb\"> </span>There are many factors that affect <span class=\"_ _7\"></span>the measurement of the retirement benefit obligations. <span class=\"_ _7\"></span>This measurement requires the<span class=\"_ gs36\"> </span>use of estimates, such as discount <span class=\"_ _7\"></span>rates, inflation, pension increases, salary increases, and <span class=\"_ _7\"></span>life expectancies which are inherently uncertain. The table below summarises <span class=\"_ _7\"></span>how these assumptions are set:<span class=\"_ _3eb\"> </span><table class=\"s wc77 h289\" id=\"_072f5440-bfc5-4cb3-a275-11c9878bb462\"><tr><td class=\"c n x1ee y6a08 wc78 h215\"><div class=\"t m0 x1ed h38 y6563 ff5 fs17 fc3 sc0 ls21 ws20\">Assumption<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1762 y6a08 wc79 h215\"><div class=\"t m0 x1ed h38 y6563 ff5 fs17 fc3 sc0 ls21 ws20\">Detail<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6a0a wc7a h28a\"><div class=\"t m0 x1ed h20 y6a09 ff6 fs2 fc3 sc0 ls2 ws0\">Discount rate<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1763 y6a0a wc7b h203\"><div class=\"t m0 x1ed h20 y6a09 ff1 fs2 fc3 sc0 ls2 ws0\">Determined by reference to market yields at the end of the reporting period on high-quality<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td class=\"t m0 x1764 h9 y6a0b ff1 fs2 fc3 sc0 ls2 ws0\">corporate bonds (or, in countries where there is no deep market in such bonds, government </td></tr><tr><td></td><td class=\"t m0 x1764 h5 y6a0c ff4 fs2 fc3 sc0 ls2 ws1\">bonds) of a currency and term <span class=\"_ _7\"></span>consistent with the currency and term of <span class=\"_ _7\"></span>the post-employment </td></tr><tr><td></td><td class=\"t m0 x1764 h5 y6a0d ff4 fs2 fc3 sc0 ls2 ws1\">benefit obligations. This is the approach <span class=\"_ _7\"></span>adopted across all our geographies. </td></tr><tr><td class=\"c n x1ee y6a0e wc7c h28a\"><div class=\"t m0 x1ed h20 y6a09 ff6 fs2 fc3 sc0 ls2 ws1\">Inflation<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1765 y6a0e wc7d h28a\"><div class=\"t m0 x1ed h20 y6a09 ff4 fs2 fc3 sc0 ls2 ws1\">Where there are inflation-linked bonds available <span class=\"_ _7\"></span>(e.g. United Kingdom and the eurozone),<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td class=\"t m0 x1764 h5 y6a0f ff4 fs2 fc3 sc0 ls2 ws1\">the<span class=\"_ gs36\"> </span>Group derives inflation based on the <span class=\"_ _7\"></span>market on those bonds, with the market <span class=\"_ _7\"></span>yield adjusted </td></tr><tr><td></td><td class=\"t m0 x1764 h5 y6a10 ff4 fs2 fc3 sc0 ls2 ws1\">in<span class=\"_ gs36\"> </span>respect of the United Kingdom to <span class=\"_ _7\"></span>take account of the fact that liabilities <span class=\"_ _7\"></span>are linked to </td></tr><tr><td></td><td class=\"t m0 x1764 h5 y6a11 ff4 fs2 fc3 sc0 ls2 ws1\">Consumer Price Index inflation, whereas the <span class=\"_ _7\"></span>reference bonds are linked to Retail Price <span class=\"_ _7\"></span>Index </td></tr><tr><td></td><td class=\"t m0 x1764 h5 y6a12 ff4 fs2 fc3 sc0 ls2 ws1\">inflation. Where no inflation-linked bonds exist, <span class=\"_ _7\"></span>we determine inflation assumptions based </td></tr><tr><td></td><td class=\"t m0 x1764 h5 y6a13 ff4 fs2 fc3 sc0 ls2 ws1\">on<span class=\"_ gs36\"> </span>a<span class=\"_ gs36\"> </span>combination of long-term forecasts and short-term <span class=\"_ _7\"></span>inflation data.<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c n x1ee y6a14 wc7e h28a\"><div class=\"t m0 x1ed h20 y6a09 ff7 fs2 fc3 sc0 ls2 ws1\">Salary growth<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1766 y6a14 wc7f h203\"><div class=\"t m0 x1ed h20 y6a09 ff1 fs2 fc3 sc0 ls2 ws0\">Salary growth assumptions reflect the Group\u2019s long-term expectations, taking into account<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td class=\"t m0 x1764 h5 y6a15 ff4 fs2 fc3 sc0 ls2 ws1\">future business plans and macroeconomic data <span class=\"_ _7\"></span>(primarily expected future long-term inflation).<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c n x1ee y6a16 wc80 h28a\"><div class=\"t m0 x1ed h20 y6a09 ff6 fs2 fc3 sc0 ls2 ws0\">Demographic assumptions<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1767 y6a16 wc81 h28a\"><div class=\"t m0 x1ed h20 y6a09 ff4 fs2 fc3 sc0 ls2 ws1\">Demographic assumptions, including mortality and turnover rates, <span class=\"_ _7\"></span>are typically set based<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td class=\"t m0 x1764 h5 y6a17 ff4 fs2 fc3 sc0 ls2 ws1\">on<span class=\"_ gs36\"> </span>the assumptions used in the most <span class=\"_ _7\"></span>recent actuarial funding valuation, and will generally </td></tr><tr><td></td><td class=\"t m0 x1764 h5 y6a18 ff4 fs2 fc3 sc0 ls2 ws1\">use<span class=\"_ gs36\"> </span>industry standard tables, adjusted where appropriate <span class=\"_ _7\"></span>to reflect recent historic experience </td></tr><tr><td></td><td class=\"t m0 x1764 h5 y6a19 ff4 fs2 fc3 sc0 ls2 ws1\">and/or future expectations.<span class=\"_ _3eb\"> </span></td></tr></table>The sensitivity of the liabilities to <span class=\"_ _7\"></span>changes in these assumptions is shown in <span class=\"_ _7\"></span>the Note below.<span class=\"_ _3eb\"> </span>Retirement benefit obligations and charge comprises:<span class=\"_ _3eb\"> </span><table class=\"s w3c7 h28b\" id=\"_59c53794-7c24-4e99-ba13-c5b1387dd5a6\"><tr><td></td><td class=\"c n x1768 y6a1a wc82 h204\"><div class=\"t m0 x1ed h2c y6696 ff4 fs17 fc3 sc0 ls21 ws20\">Obligation<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n x1769 y6a1a wc83 h205\"><div class=\"t m0 x1ed h2c y6696 ff1 fs17 fc3 sc0 ls21 ws20\">Charge<span class=\"_ _3eb\"> </span></div></td><td></td></tr><tr><td></td><td class=\"t m0 x3ff h38 y6a1b ff5 fs17 fc0 sc0 ls21 ws20\">2025<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x400 h39 y6a1b ff1 fs17 fc3 sc0 ls21 ws20\">2024<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1e8 h38 y6a1b ff5 fs17 fc0 sc0 ls21 ws20\">2025<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1e9 h39 y6a1b ff1 fs17 fc3 sc0 ls21 ws20\">2024<span class=\"_ _3eb\"> </span></td></tr><tr><td></td><td class=\"t m0 x176a h2c y6a1c ff4 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x405 h2c y6a1c ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1eb h38 y6a1c ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1ec h2c y6a1c ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c n x1ee y6577 wc84 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Defined benefit plans<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc21 y6577 w11e h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">146<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x176b y6577 wae3 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">101<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x176c y6577 we8 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">125<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x176d y6577 w73 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">62<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6566 wc85 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">Defined contribution plans<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x176e y6566 w1e6 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">23<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x176f y6566 w485 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">14<span class=\"_ _3eb\"> </span></div></td><td class=\"c x1771 y6566 wc86 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">393</div><div class=\"t m0 x1770 h93 y6657 ff6 fs1b fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x53d h1a y6a1d ff4 fs5 fc3 sc0 ls5 ws5\">389<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c n x1ee y6567 w49a h203\"><div class=\"t m0 x1ed h3d y655f ff5 fs5 fc3 sc0 ls5 ws5\">Total<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1772 y6567 w1a6 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">169<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1773 y6567 web h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">115<span class=\"_ _3eb\"> </span></div></td><td class=\"c x1612 y6567 wc87 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">518</div><div class=\"t m0 x1774 h93 y6657 ff6 fs1b fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td><td class=\"c x1776 y6963 wc88 h231\"><div class=\"t m0 x1ed h3b y6600 ff1 fs5 fc3 sc0 ls5 ws5\">451</div><div class=\"t m0 x1775 h3c y667e ff1 fs1b fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td></tr></table>1 <span class=\"_ _b\"> </span><span class=\"ff4\">The Group during the year utilised against defined contribution payments, $1 million forfeited <span class=\"_ _7\"></span>pension contributions in respect of employees who left <span class=\"_ _7\"></span>before their </span>interests vested fully. The residual balance of forfeited <span class=\"_ _7\"></span>contributions is $21 million.<span class=\"_ _3eb\"> </span>2 <span class=\"_ _f\"> </span><span class=\"ff4\">Refer to note 7 \u2013 Operating expenses.<span class=\"_ _3eb\"> </span></span>The Group operates over 60 defined <span class=\"_ _7\"></span>benefit plans across its geographies, many of <span class=\"_ _7\"></span>which are closed to new entrants <span class=\"_ _7\"></span>who now join defined contribution arrangements. The aim <span class=\"_ _7\"></span>of all these plans is, as part <span class=\"_ _7\"></span>of the Group\u2019s commitment to financial <span class=\"_ _7\"></span>wellbeing, to give employees the opportunity to save appropriately for retirement in a way that is consistent with local regulations, taxation requirements and market conditions. The <span class=\"_ _7\"></span>defined benefit plans expose the Group to <span class=\"_ _7\"></span>currency risk, interest rate risk, investment risk and actuarial risks such <span class=\"_ _7\"></span>as longevity risk.<span class=\"_ _3eb\"> </span>The disclosures required under IAS 19 <span class=\"_ _7\"></span>have been calculated by independent qualified actuaries <span class=\"_ _7\"></span>based on the most recent full actuarial valuations updated, where necessary, to <span class=\"_ _7\"></span>31 December 2025.<span class=\"_ _3eb\"> </span>Financial and demographic assumptions have remained <span class=\"_ _7\"></span>largely consistent with those used in the <span class=\"_ _7\"></span>prior year. And the impact on<span class=\"_ gs36\"> </span>the liabilities of any movements in <span class=\"_ _7\"></span>interest and inflation rates has been partially <span class=\"_ _7\"></span>hedged by the government and corporate bonds held.<span class=\"_ _3eb\"> </span>The increase in the pension deficit <span class=\"_ _7\"></span>during the year was primarily driven by <span class=\"_ _7\"></span>regulatory and legal developments in India (causing<span class=\"_ gs36\"> </span>a<span class=\"_ gs36\"> </span>past service cost of $48 million) <span class=\"_ _7\"></span>and Kenya ($19 million). In India, a <span class=\"_ _7\"></span>past service cost has been recognised <span class=\"_ _7\"></span>in relation to statutory lump sum plans, based <span class=\"_ _7\"></span>on the current interpretation of new regulations <span class=\"_ _7\"></span>that expand the definition of pay <span class=\"_ _7\"></span>on which they are calculated. The new regulations <span class=\"_ _7\"></span>were substantively enacted on 21 November and <span class=\"_ _7\"></span>applied both immediately and retrospectively; further clarification from the local <span class=\"_ _7\"></span>authorities is expected in 2026. In Kenya, <span class=\"_ _7\"></span>the Retirement Benefits Appeals Tribunal (RBAT) ruled broadly in favour <span class=\"_ _7\"></span>of a longstanding legal case brought by <span class=\"_ _7\"></span>629 former employees. A past service <span class=\"_ _7\"></span>cost reflects the financial impact of this <span class=\"_ _7\"></span>judgment, which included a mandate to fund <span class=\"_ _7\"></span>the plan. Where legacy colleagues have <span class=\"_ _7\"></span>yet to<span class=\"_ gs36\"> </span>be traced, the temporary surplus arising <span class=\"_ _7\"></span>from the mandated funding has been disregarded <span class=\"_ _7\"></span>under IFRIC 14.<span class=\"_ _3eb\"> </span>UK Fund<span class=\"_ _3eb\"> </span>The Standard Chartered Pension Fund (the <span class=\"_ _7\"></span>\u2018UK Fund\u2019) is the Group\u2019s largest pension <span class=\"_ _7\"></span>plan, representing 46 per cent (31 December 2024: 46 per cent) <span class=\"_ _7\"></span>of total pension liabilities. The UK Fund <span class=\"_ _7\"></span>is set up under a trust <span class=\"_ _7\"></span>that is legally separate from the<span class=\"_ gs36\"> </span>Bank (its formal sponsor) and, as <span class=\"_ _7\"></span>required by UK legislation, at least one <span class=\"_ _7\"></span>third of the trustee directors are <span class=\"_ _7\"></span>nominated by<span class=\"_ gs36\"> </span>members; the remainder are appointed by <span class=\"_ _7\"></span>the Bank. The trustee directors have a <span class=\"_ _7\"></span>fiduciary duty to members and are responsible<span class=\"_ gs36\"> </span>for governing the UK Fund in <span class=\"_ _7\"></span>accordance with its Trust Deed and Rules. The UK Fund was closed to <span class=\"_ _7\"></span>new entrants from 1 July 1998 and <span class=\"_ _7\"></span>closed to the accrual of new <span class=\"_ _7\"></span>benefits from 1 April 2018: all <span class=\"_ _7\"></span>UK employees are now offered membership of <span class=\"_ _7\"></span>a defined contribution plan.<span class=\"_ _3eb\"> </span>The financial position of the UK <span class=\"_ _7\"></span>Fund is regularly assessed by an independent <span class=\"_ _7\"></span>qualified actuary. The funding valuation as at<span class=\"_ gs36\"> </span>31<span class=\"_ gs36\"> </span>December 2023 was completed in December <span class=\"_ _7\"></span>2024 by the Scheme Actuary, T Kripps <span class=\"_ _7\"></span>of Willis Towers Watson, using assumptions different from those used for <span class=\"_ _7\"></span>IAS 19, and agreed with the UK <span class=\"_ _7\"></span>Fund trustee. It showed that the <span class=\"_ _7\"></span>UK Fund was 96% funded at that date, revealing a <span class=\"_ _7\"></span>past service deficit of $48 million (\u00a338 <span class=\"_ _7\"></span>million). To repair the deficit, three annual <span class=\"_ _7\"></span>cash payments each of $13 million (\u00a310 <span class=\"_ _7\"></span>million) were agreed, with the first <span class=\"_ _7\"></span>of these paid in<span class=\"_ gs36\"> </span>December 2024, and two further instalments <span class=\"_ _7\"></span>to be paid in December 2025 and <span class=\"_ _7\"></span>December 2026. However, the agreement allowed that the payments due in <span class=\"_ _7\"></span>2025 and 2026 may be varied depending <span class=\"_ _7\"></span>on the funding position at the <span class=\"_ _7\"></span>preceding 30 June provided that total payments over the <span class=\"_ _7\"></span>three year recovery plan period do not <span class=\"_ _7\"></span>exceed $38 million (\u00a330 million). Based <span class=\"_ _7\"></span>on financial conditions at 30 June 2025, <span class=\"_ _7\"></span>the Scheme Actuary determined that the 2025 <span class=\"_ _7\"></span>payment should be $7million (\u00a35 million), and this was remitted to the <span class=\"_ _7\"></span>Fund in December. As part of the <span class=\"_ _7\"></span>2023 valuation agreement, it was agreed <span class=\"_ _7\"></span>that gilts with a<span class=\"_ gs36\"> </span>nominal value of $200 million (\u00a3160 <span class=\"_ _7\"></span>million) would remain in escrow to provide <span class=\"_ _7\"></span>additional security the Trustee.<span class=\"_ _3eb\"> </span>The Group has not recognised any <span class=\"_ _7\"></span>additional liability under IFRIC 14, as the <span class=\"_ _7\"></span>Bank has control of any pension <span class=\"_ _7\"></span>surplus under the Trust Deed and Rules.<span class=\"_ _3eb\"> </span>Overseas plans<span class=\"_ _3eb\"> </span>The principal overseas defined benefit arrangements <span class=\"_ _7\"></span>operated by the Group are in Hong <span class=\"_ _7\"></span>Kong, India, Jersey, Korea, Taiwan, Thailand, United Arab Emirates (UAE) and <span class=\"_ _7\"></span>the United States of America (US). Plans <span class=\"_ _7\"></span>in Hong Kong, India, Korea, Taiwan, Thailand, and UAE remain open for <span class=\"_ _7\"></span>accrual of future benefits.<span class=\"_ _3eb\"> </span>Key assumptions<span class=\"_ _3eb\"> </span>The principal financial assumptions used at <span class=\"_ _7\"></span>31 December 2025 were:<span class=\"_ _3eb\"> </span><table class=\"s w7de h28c\" id=\"_300a9ba0-8e46-4c4b-9572-b0870e90ec53\"><tr><td></td><td></td><td class=\"c n x934 y6a1e w306 h215\"><div class=\"t m0 x1ed h38 y6563 ff5 fs17 fc0 sc0 ls21 ws20\">2025<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td class=\"c n x1777 y6a1e w46b h205\"><div class=\"t m0 x1ed h38 y6563 ff1 fs17 fc3 sc0 ls21 ws20\">2024<span class=\"_ _3eb\"> </span></div></td><td></td></tr><tr><td></td><td class=\"t m0 xeb4 h38 y6a1f ff5 fs17 fc0 sc0 ls21 ws20\">UK Funded<span class=\"_ _3eb\"> </span></td><td class=\"c x1779 y6a20 wc89 h262\"><div class=\"t m0 x1ed h38 y6563 ff5 fs17 fc0 sc0 ls21 ws20\">Overseas Plans</div><div class=\"t m0 x1778 ha7 y68e2 ff5 fs19 fc0 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c x177b y6a20 wc8a h262\"><div class=\"t m0 x1ed h38 y6563 ff5 fs17 fc0 sc0 ls21 ws20\">Unfunded Plans</div><div class=\"t m0 x177a ha7 y68e2 ff5 fs19 fc0 sc0 ls0 ws0\">2</div></td><td class=\"t m0 x531 h39 y6a1f ff1 fs17 fc3 sc0 ls21 ws0\">UK Funded<span class=\"_ _3eb\"> </span></td><td class=\"c x177c y6a22 wc8b h28d\"><div class=\"t m0 x1ed h39 y65c3 ff1 fs17 fc3 sc0 ls21 ws0\">Overseas Plans</div><div class=\"t m0 x12b6 h3a y6a21 ff1 fs19 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c x8b6 y6a22 w82c h28d\"><div class=\"t m0 x1ed h39 y65c3 ff1 fs17 fc3 sc0 ls21 ws0\">Unfunded Plans</div><div class=\"t m0 x177d h3a y6a21 ff1 fs19 fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td class=\"t m0 xeb5 h38 y6a23 ff5 fs17 fc0 sc0 ls0 ws0\">%<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x177e h38 y6a23 ff5 fs17 fc0 sc0 ls0 ws0\">%<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xf4b h38 y6a23 ff5 fs17 fc0 sc0 ls0 ws0\">%<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x177f h39 y6a23 ff1 fs17 fc3 sc0 ls0 ws0\">%<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xd32 h39 y6a23 ff1 fs17 fc3 sc0 ls0 ws0\">%<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1780 h39 y6a23 ff1 fs17 fc3 sc0 ls0 ws0\">%<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c n x1ee y6a24 wc8c h1fe\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Discount rate<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1781 y6a24 wc8d h1ff\"><div class=\"t m0 x1ed h3d y6548 ff7 fs5 fc3 sc0 ls5 ws5\">5.5<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1782 y6a24 w5fd h1ff\"><div class=\"t m0 x1ed h3d y6548 ff7 fs5 fc3 sc0 ls5 ws5\">1.3 \u2013 6.7<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1783 y6a24 wc8e h1ff\"><div class=\"t m0 x1ed h3d y6548 ff7 fs5 fc3 sc0 ls5 ws5\">1.4 \u2013 <span class=\"_ _7\"></span>6.7<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1784 y6a24 wc8f h1ff\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">5.5<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1785 y6a24 wc90 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">1.6 \u2013 6.9<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1786 y6a24 wc91 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">2.5 \u2013 6.9<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6a25 wc92 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">Price inflation<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1787 y6a25 wc93 h201\"><div class=\"t m0 x1ed h3d y6548 ff7 fs5 fc3 sc0 ls5 ws5\">2.4<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1788 y6a25 wc94 h201\"><div class=\"t m0 x1ed h3d y6548 ff7 fs5 fc3 sc0 ls5 ws5\">2.0 \u2013 5.0<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1789 y6a25 wc95 h201\"><div class=\"t m0 x1ed h3d y6548 ff7 fs5 fc3 sc0 ls5 ws5\">2.0 \u2013 5.0<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x178a y6a25 wc96 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">2.5<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x178b y6a25 wc97 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">2.0 \u2013 5.0<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x178c y6a25 wc97 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">2.0 \u2013 5.0<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6a26 wc98 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Salary increases<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x178d y6a26 wc99 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">n/a<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x178e y6a26 wc9a h201\"><div class=\"t m0 x1ed h3d y6548 ff7 fs5 fc3 sc0 ls5 ws5\">3.5 \u2013 7.5<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x178f y6a26 wc9b h201\"><div class=\"t m0 x1ed h3d y6548 ff7 fs5 fc3 sc0 ls5 ws5\">2.4 \u2013 7.5<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1790 y6a26 w8f1 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">n/a<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1791 y6a26 wc9c h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">3.5 \u2013 8.5<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1792 y6a26 wc9d h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">4.0 \u2013 8.5<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6a27 wc9e h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Pension increases<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1793 y6a27 wc9f h201\"><div class=\"t m0 x1ed h3d y6548 ff7 fs5 fc3 sc0 ls5 ws5\">2.4<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1794 y6a27 wca0 h201\"><div class=\"t m0 x1ed h3d y6548 ff7 fs5 fc3 sc0 ls5 ws5\">0 \u2013 2.8<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1795 y6a27 wca1 h201\"><div class=\"t m0 x1ed h3d y6548 ff7 fs5 fc3 sc0 ls5 ws5\">0 \u2013 2.4<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1796 y6a27 wca2 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">2.3<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1797 y6a27 wca3 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">0 \u2013 2.9<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1798 y6a27 w802 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">0 \u2013 2.3<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x221 h3b y6a28 ff1 fs5 fc3 sc0 ls5 ws5\">Post-retirement </td><td class=\"c n x1799 y6a29 wc99 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">n/a<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x179a y6a29 wc99 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">n/a<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x179b y6a29 wca4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws0\">8% in 2025 reducing<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x179c y6a2a w8f1 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">n/a<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n x179d y6a2a wca5 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">8% in 2024 reducing<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x221 h1a y6a2b ff4 fs5 fc3 sc0 ls5 ws5\">medical<span class=\"_ gs1a1\"> </span>rate<span class=\"_ _3eb\"> </span></td><td></td><td></td><td class=\"t m0 x179e h3d y6a2b ff7 fs5 fc3 sc0 ls5 ws5\">by 0.5% per annum </td><td></td><td></td><td class=\"t m0 x8f8 h1a y6a2b ff4 fs5 fc3 sc0 ls5 ws5\">by 0.5% per annum </td></tr><tr><td></td><td></td><td></td><td class=\"t m0 x8bc h3d y6a2c ff6 fs5 fc3 sc0 ls5 ws0\">to 5% in 2031<span class=\"_ _3eb\"> </span></td><td></td><td></td><td class=\"t m0 x179f h3b y6a2c ff1 fs5 fc3 sc0 ls5 ws0\">to 5% in 2030<span class=\"_ _3eb\"> </span></td></tr></table>1 <span class=\"_ _b\"> </span><span class=\"ff4\">The range of assumptions shown is for the funded defined benefit overseas plans <span class=\"_ _7\"></span>in Hong Kong, India, Jersey, Korea, Taiwan, and <span class=\"_ _7\"></span>the US. These comprise around </span>80<span class=\"_ gs1a2\"> </span>per<span class=\"_ gs1a2\"> </span>cent of the total liabilities of overseas funded <span class=\"_ _7\"></span>plans.<span class=\"_ _3eb\"> </span>2 <span class=\"_ _f\"> </span><span class=\"ff4\">The range of assumptions shown is for the main unfunded defined benefit <span class=\"_ _7\"></span>plans in India, Korea, Thailand, Hong Kong, UAE, <span class=\"_ _7\"></span>UK and the US. They comprise over </span>90<span class=\"_ gs1a2\"> </span>per cent of the total liabilities of unfunded <span class=\"_ _7\"></span>plans.<span class=\"_ _3eb\"> </span>The principal non-financial assumptions are those <span class=\"_ _7\"></span>made for UK life expectancy. The UK <span class=\"_ _7\"></span>mortality tables are S4PMA for males and S4PFA for females, projected by <span class=\"_ _7\"></span>year of birth with the CMI 2023 <span class=\"_ _7\"></span>improvement model with a 1.25 per <span class=\"_ _7\"></span>cent annual trend and initial addition parameter of 0.25 per <span class=\"_ _7\"></span>cent. Scaling factors of 81 per cent <span class=\"_ _7\"></span>for male pensioners, 93 per cent <span class=\"_ _7\"></span>for female pensioners, 81 per cent for male dependants <span class=\"_ _7\"></span>and 81 per cent for female dependants <span class=\"_ _7\"></span>have been applied. The resulting assumptions for life expectancy <span class=\"_ _7\"></span>for the UK Fund are that a <span class=\"_ _7\"></span>male member currently aged 60 will <span class=\"_ _7\"></span>live for 28 years (2024: 28 years) and a female <span class=\"_ _7\"></span>member for 29 years (2024: 29 years) <span class=\"_ _7\"></span>and a male member currently aged <span class=\"_ _7\"></span>40 will live for 29 years (2024: 29 years) and a female <span class=\"_ _7\"></span>member for 31 years (2024: 31 years) <span class=\"_ _7\"></span>after their 60th birthdays.<span class=\"_ _3eb\"> </span>Both financial and non-financial assumptions can <span class=\"_ _7\"></span>be expected to change in the future, <span class=\"_ _7\"></span>which would affect the value placed on<span class=\"_ gs36\"> </span>the liabilities. For example, changes at <span class=\"_ _7\"></span>the reporting date to one of the <span class=\"_ _7\"></span>relevant actuarial assumptions, holding other assumptions constant, would have affected the <span class=\"_ _7\"></span>defined benefit obligation by the amounts shown <span class=\"_ _7\"></span>below: <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">If the discount rate increased by 25 basis points the liability would <span class=\"_ _7\"></span>reduce by approximately $25 million for <span class=\"_ _7\"></span>the UK Fund </span>(2024:<span class=\"_ gs36\"> </span>$25 million) and $20 million for <span class=\"_ _7\"></span>the other plans (2024: $20 million) <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">If the rate of inflation increased by 25 basis points the liability, <span class=\"_ _7\"></span>allowing for the consequent impact on <span class=\"_ _7\"></span>pension and salary </span>increases, would increase by approximately $15 <span class=\"_ _7\"></span>million for the UK Fund (2024: $15 <span class=\"_ _7\"></span>million) and $10 million for the <span class=\"_ _7\"></span>other plans (2024: $15 million) <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">If the rate of salary growth relative to inflation increased by 25 <span class=\"_ _7\"></span>basis points the liability would increase <span class=\"_ _7\"></span>by nil for the UK Fund </span>(2024: nil) and approximately $10 million <span class=\"_ _7\"></span>for the other plans (2024: $10 million) <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">If longevity expectations increased by one year the liability would increase by <span class=\"_ _7\"></span>approximately $40 million for the UK <span class=\"_ _7\"></span>Fund </span>(2024: $35 million) and $10 million <span class=\"_ _7\"></span>for the other plans (2024: $10 million)<span class=\"_ _3eb\"> </span>Although this analysis does not take <span class=\"_ _7\"></span>account of the full distribution of cash <span class=\"_ _7\"></span>flows expected, it does provide an <span class=\"_ _7\"></span>approximation of<span class=\"_ gs36\"> </span>the sensitivity to the main assumptions. <span class=\"_ _7\"></span>While changes in other assumptions would also <span class=\"_ _7\"></span>have an impact, the effect would not<span class=\"_ gs36\"> </span>be as significant.<span class=\"_ _3eb\"> </span>Profile of plan <span class=\"_ _7\"></span>obligations<span class=\"_ _3eb\"> </span><table class=\"s wca6 h28e\" id=\"_0a7e8528-09bb-4690-bad1-3d998d4989ad\"><tr><td></td><td class=\"t m0 x544 h38 y6a2d ff5 fs17 fc0 sc0 ls21 ws20\">Funded plans<span class=\"_ _3eb\"> </span></td><td></td><td class=\"t m0 xeb6 h38 y6a2e ff5 fs17 fc0 sc0 ls21 ws20\">Unfunded </td></tr><tr><td></td><td class=\"c n x17a0 y6a2f wca7 h204\"><div class=\"t m0 x1ed h38 y6563 ff5 fs17 fc0 sc0 ls21 ws20\">UK Fund<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17a1 y6a2f wca8 h204\"><div class=\"t m0 x1ed h38 y6563 ff5 fs17 fc0 sc0 ls21 ws20\">Overseas<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17a2 y6a2f wca9 h204\"><div class=\"t m0 x1ed h38 y6563 ff5 fs17 fc0 sc0 ls21 ws20\">plans<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6573 wcaa h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">Duration of the defined benefit obligation (in <span class=\"_ _7\"></span>years)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17a3 y6573 w3d2 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">10<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17a4 y6573 w8a3 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">8<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17a5 y6573 w8a3 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">8<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6574 wcab h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">Duration of the defined benefit obligation \u2013 <span class=\"_ _7\"></span>2024<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17a6 y6574 wa9 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">10<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17a7 y6574 w8a3 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">8<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1259 y6574 w8a3 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">8<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x221 h3b y6a30 ff1 fs5 fc3 sc0 ls5 ws0\">Benefits expected to be paid from plans<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y6575 wcac h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">Benefits expected to be paid during 2026<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16ff y6575 w2c1 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">89<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17a8 y6575 w355 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">102<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17a9 y6575 w74 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">21<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y658d wcad h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">Benefits expected to be paid during 2027<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17aa y658d w66 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">92<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17ab y658d w63f h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">138<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17ac y658d w473 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">19<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y658e wcae h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">Benefits expected to be paid during 2028<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17ad y658e w7be h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">94<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17ae y658e wcaf h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">117<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17a9 y658e w268 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">17<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6659 wcac h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">Benefits expected to be paid during 2029<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16ff y6659 w4fa h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">96<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17af y6659 waae h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">127<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17b0 y6659 w268 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">17<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6566 wcb0 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Benefits expected to be paid during 2030<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17b1 y6566 w363 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">99<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17b2 y6566 w3d4 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">122<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17b3 y6566 w473 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">19<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6567 wcb1 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Benefits expected to be paid during 2031 to 2035<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17b4 y6567 w405 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">529<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17b5 y6567 wcb2 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">595<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17b6 y6567 w473 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">91<span class=\"_ _3eb\"> </span></div></td></tr></table>Fund values: <table class=\"s wcb3 h28f\" id=\"_c6d9b8b0-649f-4ae6-a127-1b35850870d3\"><tr><td></td><td></td><td></td><td class=\"c n x115d y6a31 w306 h215\"><div class=\"t m0 x1ed h38 y6563 ff5 fs17 fc0 sc0 ls21 ws20\">2025<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td class=\"c n x17b7 y6a31 w46b h205\"><div class=\"t m0 x1ed h38 y6563 ff1 fs17 fc3 sc0 ls21 ws20\">2024<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"c n x17b8 y6a32 wcb4 h215\"><div class=\"t m0 x1ed h38 y6563 ff5 fs17 fc0 sc0 ls21 ws20\">UK Fund<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td class=\"c n x17b9 y6a32 wcb5 h215\"><div class=\"t m0 x1ed h38 y6563 ff5 fs17 fc0 sc0 ls21 ws20\">Overseas plans<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td class=\"c n x17ba y6a32 w1c8 h205\"><div class=\"t m0 x1ed h38 y6563 ff1 fs17 fc3 sc0 ls21 ws0\">UK Fund<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td class=\"c n x17bb y6a32 wcb6 h205\"><div class=\"t m0 x1ed h38 y6563 ff1 fs17 fc3 sc0 ls21 ws0\">Overseas plans<span class=\"_ _3eb\"> </span></div></td><td></td></tr><tr><td></td><td class=\"t m0 x17bc h38 y6a33 ff5 fs17 fc0 sc0 ls21 ws20\">Quoted </td><td class=\"t m0 x17bd h38 y6a33 ff5 fs17 fc0 sc0 ls21 ws20\">Unquoted </td><td class=\"t m0 x127a h38 y6a33 ff5 fs17 fc0 sc0 ls21 ws20\">Total </td><td class=\"t m0 x2f7 h38 y6a33 ff5 fs17 fc0 sc0 ls21 ws20\">Quoted </td><td class=\"t m0 x4bc h38 y6a33 ff5 fs17 fc0 sc0 ls21 ws20\">Unquoted </td><td class=\"t m0 x12e6 h38 y6a33 ff5 fs17 fc0 sc0 ls21 ws20\">Total </td><td class=\"t m0 x667 h2c y6a33 ff4 fs17 fc3 sc0 ls21 ws20\">Quoted </td><td class=\"t m0 x6c4 h39 y6a33 ff1 fs17 fc3 sc0 ls21 ws20\">Unquoted </td><td class=\"t m0 x4b0 h39 y6a33 ff1 fs17 fc3 sc0 ls21 ws20\">Total </td><td class=\"t m0 x14b8 h2c y6a33 ff4 fs17 fc3 sc0 ls21 ws20\">Quoted </td><td class=\"t m0 x6bb h39 y6a33 ff1 fs17 fc3 sc0 ls21 ws20\">Unquoted </td><td class=\"t m0 x6cb h39 y6a33 ff1 fs17 fc3 sc0 ls21 ws20\">Total </td></tr><tr><td></td><td class=\"t m0 x17be h38 y6a34 ff2 fs17 fc0 sc0 ls21 ws20\">assets<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xe30 h38 y6a34 ff2 fs17 fc0 sc0 ls21 ws20\">assets<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x6b8 h38 y6a34 ff2 fs17 fc0 sc0 ls21 ws20\">assets<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x17bf h38 y6a34 ff2 fs17 fc0 sc0 ls21 ws20\">assets<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x17c0 h38 y6a34 ff2 fs17 fc0 sc0 ls21 ws20\">assets<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x17c1 h38 y6a34 ff2 fs17 fc0 sc0 ls21 ws20\">assets<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1051 h39 y6a34 ff1 fs17 fc3 sc0 ls21 ws20\">assets<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x2e1 h39 y6a34 ff1 fs17 fc3 sc0 ls21 ws20\">assets<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x17c2 h39 y6a34 ff1 fs17 fc3 sc0 ls21 ws20\">assets<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x162c h39 y6a34 ff1 fs17 fc3 sc0 ls21 ws20\">assets<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xc2b h39 y6a34 ff1 fs17 fc3 sc0 ls21 ws20\">assets<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x66b h39 y6a34 ff1 fs17 fc3 sc0 ls21 ws20\">assets<span class=\"_ _3eb\"> </span></td></tr><tr><td></td><td class=\"t m0 x17bc h38 y6a35 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xe33 h38 y6a35 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x17c3 h38 y6a35 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x2f7 h38 y6a35 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x2e5 h38 y6a35 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x4bd h38 y6a35 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x667 h2c y6a35 ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x2f9 h2c y6a35 ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x6be h2c y6a35 ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x14b8 h2c y6a35 ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x17c4 h2c y6a35 ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x234 h2c y6a35 ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"t m0 x235 h8 y6a36 ff5 fs5 fc3 sc0 ls5 ws5\">At 31 December<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y6a37 wcb7 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">Equities<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17c5 y6a37 w3f4 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17c6 y6a37 w2bc h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17c7 y6a37 w2f0 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17c8 y6a37 w89e h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">108<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17c9 y6a37 w2bc h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17ca y6a37 w89e h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">108<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17cb y6a37 w4da h1fe\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17cc y6a37 w1d4 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17cd y6a37 w4da h1fe\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17ce y6a37 w39f h1fe\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">132<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17cf y6a37 w1d4 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17d0 y6a37 w39e h1fe\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">132<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6a38 wcb8 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Government bonds<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17d1 y6a38 wcb9 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">332<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17d2 y6a38 w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17d3 y6a38 w11a h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">332<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17d4 y6a38 w11a h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">323<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17d5 y6a38 w2bc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17d6 y6a38 wcb9 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">323<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17d7 y6a38 w44c h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">342<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17d8 y6a38 w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17d9 y6a38 wcba h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">342<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17da y6a38 w11b h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">269<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17db y6a38 w1cf h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17dc y6a38 w11b h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">269<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6a39 wcbb h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Corporate bonds<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17dd y6a39 waba h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">411<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17de y6a39 w62a h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">134<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17df y6a39 wcbc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">545<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17e0 y6a39 wa5 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">266<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17e1 y6a39 w2bc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17e2 y6a39 wa5 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">266<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17e3 y6a39 w50c h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">357<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17e4 y6a39 wcbd h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">126<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17e5 y6a39 w9de h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">483<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17e6 y6a39 wcbd h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">291<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17e7 y6a39 w1cf h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17e8 y6a39 wcbd h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">291<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6a3a wcbe h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Hedge funds<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17e9 y6a3a w2bc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17ea y6a3a w47b h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">4<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17eb y6a3a w263 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">4<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17ec y6a3a w7be h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">94<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17ed y6a3a w2bc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17ee y6a3a w7be h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">94<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17ef y6a3a w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17f0 y6a3a w40 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls0 ws0\">5<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17f1 y6a3a w1df h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls0 ws0\">5<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17f2 y6a3a w1cf h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17f3 y6a3a w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17f4 y6a3a w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6a3b wcbf h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">Infrastructure<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17f5 y6a3b w2bc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17f6 y6a3b w47d h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">191<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17f7 y6a3b wa66 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">191<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17f8 y6a3b w2bc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17f9 y6a3b w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17fa y6a3b w2bc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17fb y6a3b w1cf h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17fc y6a3b wcc0 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">170<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17fd y6a3b wcc0 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">170<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17fe y6a3b w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17ff y6a3b w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1800 y6a3b w1cf h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6a3c wcc1 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">Property<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1801 y6a3c w2bc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1802 y6a3c wcc2 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">80<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1803 y6a3c wcc2 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">80<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n x1804 y6a3c w8b5 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">18<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1805 y6a3c w8b5 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">18<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1806 y6a3c w1cf h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1807 y6a3c we3 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">81<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1808 y6a3c we3 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">81<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1809 y6a3c w1cf h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x180a y6a3c w4be h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">15<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x180b y6a3c w4be h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">15<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6a3d wcc3 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">Derivatives<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x180c y6a3d w3f4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x180d y6a3d w265 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(2)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x180e y6a3d w2bc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb27 y6a3d w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x180f y6a3d w2bc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1810 y6a3d w2bc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1811 y6a3d w5d2 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">22<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1812 y6a3d wac h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(1)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1813 y6a3d w11d h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">21<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1814 y6a3d w1cf h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1815 y6a3d w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1816 y6a3d w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y6a3e wcc4 h219\"><div class=\"t m0 x1ed h3b y65db ff1 fs5 fc3 sc0 ls5 ws0\">Cash and<span class=\"_ _3eb\"> </span></div><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">equivalents<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1817 y6a3e w9a7 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">38<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1818 y6a3e w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1819 y6a3e w9a7 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">38<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x181a y6a3e wcc5 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">151<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x181b y6a3e w9fa h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">165\u00b2<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x181c y6a3e wcc6 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">316<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1811 y6a3e w3a7 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">35<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x181d y6a3e w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x181e y6a3e w1ea h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">35<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x181f y6a3e w364 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">60<span class=\"_ _3eb\"> </span></div></td><td class=\"c x1821 y6a3e wcc7 h275\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">153</div><div class=\"t m0 x1820 h3c y697f ff1 fs1b fc3 sc0 ls0 ws0\">2</div></td><td class=\"t m0 x1822 h3b y6a3f ff1 fs5 fc3 sc0 ls5 ws5\">213<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c n x1ee y6a40 wae5 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">Others<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1823 y6a40 w4b0 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">9<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1824 y6a40 w2bc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1825 y6a40 w4b0 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">9<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1826 y6a40 w472 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">20<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1827 y6a40 w2bc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1828 y6a40 wcc8 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">20<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1829 y6a40 w57 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">7<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x182a y6a40 w4da h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x182b y6a40 wa8 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">9<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x182c y6a40 w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x182d y6a40 w412 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">156<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x182e y6a40 w412 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">156<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x235 h8 y6a41 ff5 fs5 fc3 sc0 ls5 ws5\">Total fair value </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1ee y6a42 wcc9 h201\"><div class=\"t m0 x1ed h8 y666e ff5 fs5 fc3 sc0 ls5 ws5\">of<span class=\"_ gs1a6\"> </span>assets</div><div class=\"t m0 x182f h93 y666f ff6 fs1b fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1830 y68ca wcca h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">794<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1831 y68ca w3e2 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">407<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1832 y68ca w352 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">1,201<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1833 y68ca w397 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">962<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1834 y68ca wccb h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">183<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1835 y68ca w28f h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">1,145<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1836 y68ca w114 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">765<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1837 y68ca wccc h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">383<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1838 y68ca w455 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">1,148<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1839 y68ca w39b h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">752<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x183a y68ca w44c h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">324<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x183b y68ca wccd h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">1,076<span class=\"_ _3eb\"> </span></div></td></tr></table>1 <span class=\"_ _b\"> </span><span class=\"ff4\">Self-investment is monitored closely and is less than $1 million of Standard Chartered <span class=\"_ _7\"></span>equities and bonds for 2025 (31 December 2024: <span class=\"_ _7\"></span>&lt;$1 million). Self-investment </span>is<span class=\"_ gs1a2\"> </span>only allowed where it is not practical <span class=\"_ _7\"></span>to exclude it \u2013 for example through <span class=\"_ _7\"></span>investment in index-tracking funds where the <span class=\"_ _7\"></span>Group is a constituent of the relevant <span class=\"_ _7\"></span>index.<span class=\"_ _3eb\"> </span>2 <span class=\"_ _f\"> </span><span class=\"ff4\">Cash and equivalents includes the value of insurance contracts held in Korea <span class=\"_ _7\"></span>which invest only in short term money market <span class=\"_ _7\"></span>instruments.<span class=\"_ _3eb\"> </span></span><table class=\"s wcce h290\" id=\"_02ef47a2-7af9-4dab-abb1-6edf7aa975e5\"><tr><td></td><td></td><td class=\"c n x183c y6a43 wccf h215\"><div class=\"t m0 x1ed h38 y6563 ff5 fs17 fc0 sc0 ls21 ws20\">At 31 December 2025<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td class=\"c n x183d y6a43 wcd0 h205\"><div class=\"t m0 x1ed h38 y6563 ff1 fs17 fc3 sc0 ls21 ws0\">At 31 December 2024<span class=\"_ _3eb\"> </span></div></td><td></td></tr><tr><td></td><td class=\"c n x183e y6a44 wcd1 h215\" colspan=\"2\"><div class=\"t m0 x1ed h38 y6563 ff5 fs17 fc0 sc0 ls21 ws20\">Funded plans<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x183f y6a44 wcd2 h215\"><div class=\"t m0 x1ed h38 y6563 ff5 fs17 fc0 sc0 ls21 ws20\">Unfunded Plans<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1840 y6a44 wcd3 h205\" colspan=\"2\"><div class=\"t m0 x1ed h38 y6563 ff1 fs17 fc3 sc0 ls21 ws0\">Funded plans<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1841 y6a44 wcd4 h205\"><div class=\"t m0 x1ed h38 y6563 ff1 fs17 fc3 sc0 ls21 ws0\">Unfunded Plans<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td></td><td class=\"t m0 x1050 h38 y6a45 ff5 fs17 fc0 sc0 ls21 ws20\">Overseas </td><td></td><td></td><td class=\"t m0 x1842 h39 y6a45 ff1 fs17 fc3 sc0 ls21 ws20\">Overseas<span class=\"_ _3eb\"> </span></td><td></td></tr><tr><td></td><td class=\"t m0 x1843 h38 y6a46 ff5 fs17 fc0 sc0 ls21 ws20\">UK Fund<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x104d h38 y6a46 ff5 fs17 fc0 sc0 ls21 ws20\">Plans<span class=\"_ _3eb\"> </span></td><td></td><td class=\"t m0 x2e8 h39 y6a46 ff1 fs17 fc3 sc0 ls21 ws0\">UK Fund<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x230 h39 y6a46 ff1 fs17 fc3 sc0 ls21 ws20\">Plans<span class=\"_ _3eb\"> </span></td><td></td></tr><tr><td></td><td class=\"t m0 x2f7 h38 y6a47 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"c n x13ed y6a48 w173 h204\"><div class=\"t m0 x1ed h38 y6563 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1844 y6a48 w173 h204\"><div class=\"t m0 x1ed h38 y6563 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x2fa h2c y6a47 ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"c n x1531 y6a49 w42b h204\"><div class=\"t m0 x1ed h2c y6696 ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1845 y6a49 wcd5 h204\"><div class=\"t m0 x1ed h2c y6696 ff4 fs17 fc3 sc0 ls21 ws20\">$million\ue004<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6a24 wcd6 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Total fair value of assets<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1846 y6a24 w352 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">1,201<span class=\"_ _3eb\"> </span></div></td><td class=\"c x1848 y6a24 wcd7 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">1,141</div><div class=\"t m0 x1847 h93 y6657 ff6 fs1b fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1429 y6a24 wc99 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">n/a<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1849 y6a24 w455 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">1,148<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x184a y6a24 wccd h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">1,076<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x184b y6a24 w8f1 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">n/a<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6a4a wcd8 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">Present value of liabilities<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x184c y6a4a wcd9 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(1,133)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x184d y6a4a wcda h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(1,170)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x184e y6a4a w25d h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(185)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x184f y6a4a wcdb h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(1,070)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1850 y6a4a wcdc h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(1,075)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1851 y6a4a wcdd h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(180)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6a4b wcde h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">Net pension plan asset/(obligation)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1852 y6a4b w27b h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">68<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1853 y6a4b w478 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(29)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1854 y6a4b w25d h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(185)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc11 y6a4b w3a1 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">78<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1855 y6a4b w41a h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1856 y6a4b wcdf h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(180)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x236 y68ad wce0 h218\"><div class=\"t m0 x1ed h1a y65f2 ff4 fs5 fc3 sc0 ls5 ws5\">Of which: Total pension assets in<span class=\"_ _3eb\"> </span></div><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">respect of plans in surplus<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1857 y68ad w27b h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">68<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1858 y68ad w27b h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">86<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb58 y68ad w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1859 y68ad w3a1 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">78<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x185a y68ad w7fd h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">73<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x185b y68ad w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x236 y6567 wce1 h218\"><div class=\"t m0 x1ed h1a y65f2 ff4 fs5 fc3 sc0 ls5 ws5\">Of which: Total pension obligations in<span class=\"_ _3eb\"> </span></div><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">respect of plans in deficit<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x185c y6567 w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x185d y6567 wce2 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(115)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x185e y6567 w25d h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(185)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x185f y6567 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1860 y6567 w3cd h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(72)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1861 y6567 wcdf h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(180)<span class=\"_ _3eb\"> </span></div></td></tr></table>1 <span class=\"_ _b\"> </span><span class=\"ff4\">Overseas plan assets include an asset ceiling in Kenya and legacy Zimbabwe arrangement, <span class=\"_ _7\"></span>resulting from a restriction on the recognition of <span class=\"_ _7\"></span>surplus.<span class=\"_ _3eb\"> </span></span>The pension cost for defined benefit <span class=\"_ _7\"></span>plans was:<span class=\"_ _3eb\"> </span><table class=\"s w429 h291\" id=\"_c0a6758b-bbac-4676-85a6-d84aeac73a2f\"><tr><td></td><td></td><td class=\"c n x1862 y6a4c w306 h204\"><div class=\"t m0 x1ed h38 y6563 ff5 fs17 fc0 sc0 ls21 ws20\">2025<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td></td><td></td><td class=\"c n x1863 y6a4c w307 h205\"><div class=\"t m0 x1ed h38 y6563 ff1 fs17 fc3 sc0 ls21 ws20\">2024<span class=\"_ _3eb\"> </span></div></td><td></td></tr><tr><td></td><td></td><td class=\"t m0 xc27 h38 y6a4d ff5 fs17 fc0 sc0 ls21 ws20\">Funded plans<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td class=\"t m0 xc29 h39 y6a4d ff1 fs17 fc3 sc0 ls21 ws0\">Funded plans<span class=\"_ _3eb\"> </span></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"t m0 x2d9 h38 y6a4e ff5 fs17 fc0 sc0 ls21 ws20\">Overseas </td><td class=\"t m0 x13e9 h38 y6a4e ff5 fs17 fc0 sc0 ls21 ws20\">Unfunded </td><td></td><td></td><td class=\"t m0 x1864 h39 y6a4e ff1 fs17 fc3 sc0 ls21 ws20\">Overseas </td><td class=\"t m0 x1865 h39 y6a4e ff1 fs17 fc3 sc0 ls21 ws20\">Unfunded </td><td></td></tr><tr><td></td><td class=\"t m0 x14b0 h38 y6a4f ff5 fs17 fc0 sc0 ls21 ws20\">UK Fund<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x6c2 h38 y6a4f ff5 fs17 fc0 sc0 ls21 ws20\">plans<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x6c3 h38 y6a4f ff5 fs17 fc0 sc0 ls21 ws20\">plans </td><td class=\"t m0 x2f2 h38 y6a4f ff5 fs17 fc0 sc0 ls21 ws20\">Total<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x2fa h39 y6a4f ff1 fs17 fc3 sc0 ls21 ws0\">UK Fund<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xc2a h39 y6a4f ff1 fs17 fc3 sc0 ls21 ws20\">plans<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xc2b h39 y6a4f ff1 fs17 fc3 sc0 ls21 ws20\">plans </td><td class=\"t m0 x6cb h39 y6a4f ff1 fs17 fc3 sc0 ls21 ws20\">Total<span class=\"_ _3eb\"> </span></td></tr><tr><td></td><td class=\"t m0 x66f h38 y6a50 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x2cd h38 y6a50 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x670 h38 y6a50 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x671 h38 y6a50 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x6cc h2c y6a50 ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x673 h2c y6a50 ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x674 h2c y6a50 ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x234 h2c y6a50 ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c x1ee y6997 wce3 h231\"><div class=\"t m0 x1ed h3b y6600 ff1 fs5 fc3 sc0 ls5 ws0\">Current service cost</div><div class=\"t m0 x1866 h3c y667e ff1 fs1b fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcb0 y6998 w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1867 y6998 w38e h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">50<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1868 y6998 w4b0 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">6<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1869 y6998 waa1 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">56<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x186a y6998 w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x186b y6998 w699 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">44<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x186c y6998 w5e h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">8<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x186d y6998 w92 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">52<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y6a51 wce4 h231\"><div class=\"t m0 x1ed h3b y6600 ff1 fs5 fc3 sc0 ls5 ws0\">Past service cost and curtailments</div><div class=\"t m0 x186e h3c y667e ff1 fs1b fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcb0 y6999 w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x186f y6999 w8b8 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">67<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1870 y6999 w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1871 y6999 w8b8 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">67<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1872 y6999 w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1873 y6999 w4da h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1874 y6999 wac h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(1)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1875 y6999 w41a h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y6a52 wce5 h231\"><div class=\"t m0 x1ed h3b y6600 ff1 fs5 fc3 sc0 ls5 ws0\">Settlement cost</div><div class=\"t m0 x171d h3c y667e ff1 fs1b fc3 sc0 ls0 ws0\">3<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcb0 y68c3 w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1876 y68c3 w2f1 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1877 y68c3 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1878 y68c3 w38b h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1879 y68c3 w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x187a y68c3 w32 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls0 ws0\">3<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x187b y68c3 w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x187c y68c3 w32 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls0 ws0\">3<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6695 wce6 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Interest income on pension plan assets<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x187d y6695 w62 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(65)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x187e y6695 wce7 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(61)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x187f y6695 w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1880 y6695 w58a h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(126)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1881 y6695 wce8 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(56)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1882 y6695 wa6e h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(41)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1883 y6695 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1884 y6695 wab8 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(97)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y65f3 wce9 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">Interest on pension plan liabilities<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1885 y65f3 w8a2 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">60<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1886 y65f3 waa1 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">59<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1887 y65f3 w8a3 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">8<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1888 y65f3 waae h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">127<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1889 y65f3 w4dc h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">54<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x188a y65f3 w485 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">41<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x188b y65f3 w5e h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">8<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x188c y65f3 w26f h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">103<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y65f4 wcea h203\"><div class=\"t m0 x1ed h3d y655f ff5 fs5 fc3 sc0 ls5 ws5\">Total charge to profit before deduction of <span class=\"_ _7\"></span>tax<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x188d y65f4 wceb h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(5)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x188e y65f4 w47d h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">116<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x188f y65f4 w5b9 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">14<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1890 y65f4 we8 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">125<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1891 y65f4 w9a8 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(2)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1892 y65f4 wcec h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">49<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1893 y65f4 w4be h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">15<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x92f y65f4 w73 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">62<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y6a53 wced h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Losses/(gains) on plan assets</div><div class=\"t m0 x318 h3c y660d ff1 fs1b fc3 sc0 ls0 ws0\">4<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1894 y65f5 w8b5 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">18<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1895 y65f5 w2bd h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(36)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1896 y65f5 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1897 y65f5 w422 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(18)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1898 y65f5 w3a1 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">78<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1899 y65f5 w469 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(32)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x189a y65f5 w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x189b y65f5 w475 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">46<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y65f6 wcee h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">Losses/(gains) on liabilities<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x189c y65f6 wcef h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">10<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x189d y65f6 w8b5 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">18<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x189e y65f6 w38b h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x189f y65f6 w66 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">29<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18a0 y65f6 w35b h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(103)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18a1 y65f6 w44 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">6<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18a2 y65f6 wac h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(1)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18a3 y65f6 w1ce h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(98)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x235 h8 y6a54 ff5 fs5 fc3 sc0 ls5 ws5\">Total losses/(gains) recognised directly in statement </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y6577 wcf0 h203\"><div class=\"t m0 x1ed h3d y655f ff5 fs5 fc3 sc0 ls5 ws5\">of comprehensive income before tax<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18a4 y6577 w3a9 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">28<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18a5 y6577 w2b0 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(18)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18a6 y6577 w38b h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18a7 y6577 wcf1 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">11<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18a8 y6577 w3ac h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(25)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18a9 y6577 w4d7 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(26)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18aa y6577 wac h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(1)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18ab y6577 w3ac h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(52)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6566 wcf2 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Deferred taxation<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18ac y6566 w265 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(2)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18ad y6566 w265 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(2)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18ae y6566 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x716 y6566 w4ad h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(4)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18af y6566 w40 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls0 ws0\">5<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18b0 y6566 w957 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">7<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18b1 y6566 w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18b2 y6566 w11d h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">12<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6567 wcf3 h203\"><div class=\"t m0 x1ed h3d y655f ff5 fs5 fc3 sc0 ls5 ws5\">Total losses/(gains) after tax<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18b3 y6567 w66 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">26<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18b4 y6567 wcf4 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(20)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18b5 y6567 w4ac h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18b6 y6567 w1de h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">7<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x75b y6567 w8fa h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(20)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18b7 y6567 w46e h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(19)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18b8 y6567 wac h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(1)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18b9 y6567 wab7 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(40)<span class=\"_ _3eb\"> </span></div></td></tr></table>1 <span class=\"_ _b\"> </span><span class=\"ff4\">Includes administrative expenses paid out of plan assets of $1 million (31 December <span class=\"_ _7\"></span>2024: $1 million) and actuarial losses of $1 <span class=\"_ _7\"></span>million (31 December 2024: $1 million) </span>that are immediately recognised through P&amp;L in line <span class=\"_ _7\"></span>with the requirements of IAS 19.<span class=\"_ _3eb\"> </span>2 <span class=\"_ _f\"> </span><span class=\"ff4\">Relates to provisional impact of regulatory change in India and RBAT court <span class=\"_ _7\"></span>ruling in Kenya.<span class=\"_ _3eb\"> </span></span>3 <span class=\"_ _f\"> </span><span class=\"ff4\">Impact of settlements relates to termination benefits in Indonesia.<span class=\"_ _3eb\"> </span></span>4 <span class=\"_ _e\"> </span><span class=\"ff4\">The actual return on the UK Fund assets was a gain of <span class=\"_ _7\"></span>$47 million (31 December 2024: $22 million loss) <span class=\"_ _7\"></span>and on overseas plan assets was a gain <span class=\"_ _7\"></span>of $97 million </span>(31 December 2024: $73 million loss)<span class=\"_ _3eb\"> </span>.<span class=\"_ _3eb\"> </span>Movement in the deficit during the <span class=\"_ _7\"></span>year comprises:<span class=\"_ _3eb\"> </span><table class=\"s wcf5 h292\" id=\"_53b70d17-196e-4cb3-8fd5-c19b48048ee7\"><tr><td></td><td></td><td></td><td class=\"c n x18ba y6a55 w306 h215\"><div class=\"t m0 x1ed h38 y6563 ff5 fs17 fc0 sc0 ls21 ws20\">2025<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td></td><td class=\"c n x18bb y6a55 w307 h205\"><div class=\"t m0 x1ed h38 y6563 ff1 fs17 fc3 sc0 ls21 ws20\">2024<span class=\"_ _3eb\"> </span></div></td><td></td></tr><tr><td></td><td></td><td class=\"t m0 x1556 h38 y6a56 ff5 fs17 fc0 sc0 ls21 ws20\">Funded plans<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td class=\"t m0 xd31 h39 y6a56 ff1 fs17 fc3 sc0 ls21 ws0\">Funded plans<span class=\"_ _3eb\"> </span></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"t m0 x537 h38 y6a57 ff5 fs17 fc0 sc0 ls21 ws20\">Overseas </td><td class=\"t m0 x18bc h38 y6a58 ff5 fs17 fc0 sc0 ls21 ws20\">Unfunded </td><td></td><td></td><td class=\"t m0 x18bd h39 y6a57 ff1 fs17 fc3 sc0 ls21 ws20\">Overseas </td><td class=\"t m0 x18be h39 y6a58 ff1 fs17 fc3 sc0 ls21 ws20\">Unfunded </td><td></td></tr><tr><td></td><td class=\"t m0 x1552 h38 y6a59 ff5 fs17 fc0 sc0 ls21 ws20\">UK Fund<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x18bf h38 y6a59 ff5 fs17 fc0 sc0 ls21 ws20\">plans<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1557 h38 y6a5a ff5 fs17 fc0 sc0 ls21 ws20\">plans<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xf45 h38 y6a5a ff5 fs17 fc0 sc0 ls21 ws20\">Total<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1553 h39 y6a59 ff1 fs17 fc3 sc0 ls21 ws0\">UK Fund<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x10c3 h39 y6a59 ff1 fs17 fc3 sc0 ls21 ws20\">plans<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x9d0 h39 y6a5a ff1 fs17 fc3 sc0 ls21 ws20\">plans<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x60a h39 y6a5a ff1 fs17 fc3 sc0 ls21 ws20\">Total<span class=\"_ _3eb\"> </span></td></tr><tr><td></td><td class=\"t m0 x536 h38 y6a5b ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x530 h38 y6a5b ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x9cb h38 y6a5c ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x610 h38 y6a5c ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x611 h2c y6a5b ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x53b h2c y6a5b ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x18c0 h2c y6a5c ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1ec h2c y6a5c ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c n x1ee y655b wcf6 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff5 fs5 fc3 sc0 ls5 ws5\">Surplus/(Deficit)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18c1 y655b w8bf h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">78<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18c2 y655b w2f1 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18c3 y655b wcf7 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(180)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18c4 y655b wcf8 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(101)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18c5 y655b w38f h1fe\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">40<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18c6 y655b w2bf h1ff\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(17)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18c7 y655b w2ba h1ff\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(189)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x96b y655b w9a2 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(166)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y655c wcf9 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">Contributions<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18c8 y655c wcfa h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">7<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18c9 y655c w268 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">71<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18ca y655c w327 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">16<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18cb y655c w7be h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">94<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18cc y655c wcf h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">13<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18cd y655c w1f2 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">39<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18ce y655c w2b4 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">16<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18cf y655c wcfb h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">68<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y6a5d wcfc h25c\"><div class=\"t m0 x1ed h3b y6600 ff1 fs5 fc3 sc0 ls5 ws0\">Current service cost</div><div class=\"t m0 x18d0 h3c y667e ff1 fs1b fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8f4 y655d w2bc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18d1 y655d wc29 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(50)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18d2 y655d w8ba h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(6)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18d3 y655d wcfd h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(56)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18d4 y655d w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18d5 y655d w481 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(44)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18d6 y655d w75 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(8)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18d7 y655d w3ac h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(52)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y69cd wcfe h25c\"><div class=\"t m0 x1ed h3b y6600 ff1 fs5 fc3 sc0 ls5 ws0\">Past service cost and curtailments</div><div class=\"t m0 x18d8 h3c y667e ff1 fs1b fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8f4 y6573 w2bc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18d9 y6573 wcff h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(67)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18da y6573 w2bc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18db y6573 w8e3 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(67)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18dc y6573 w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18dd y6573 w4d3 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(2)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18de y6573 w41a h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18df y6573 wac h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(1)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6574 wd00 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Settlement costs and transfers impact<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18e0 y6574 w2bc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18e1 y6574 w298 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(1)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18e2 y6574 w2bc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18e3 y6574 wd01 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(1)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18e4 y6574 w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18e5 y6574 w38c h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(3)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18e6 y6574 w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18e7 y6574 w38c h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(3)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6646 wd02 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">Net interest on the net defined benefit <span class=\"_ _7\"></span>asset/liability<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18e8 y6646 w91 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">5<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18e9 y6646 w3f4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc73 y6646 w480 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(8)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18ea y6646 w471 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(1)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18eb y6646 w4da h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18ec y6646 w1cf h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18ed y6646 wd03 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(8)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18ee y6646 w4c8 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(6)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6561 wd04 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">Actuarial (losses)/gains<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18ef y6561 wa3 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(28)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18f0 y6561 w8b5 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">18<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18f1 y6561 w298 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(1)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18f2 y6561 wd05 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(11)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18f3 y6561 w92 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">25<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17ce y6561 w9ae h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">26<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18f4 y6561 w41a h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18f5 y6561 w8f h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">52<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6562 wd06 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Asset held for Sale<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18f6 y6562 w2bc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18f7 y6562 w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8fd y6562 w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18f8 y6562 w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18f9 y6562 w1cf h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18fa y6562 w1cf h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18fb y6562 w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10fc y6562 w1cf h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6610 wd07 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Other movement<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18fc y6610 w2bc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18fd y6610 w2bc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18fe y6610 w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18ff y6610 w1cf h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1900 y6610 w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1901 y6610 wac h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(1)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1902 y6610 w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1903 y6610 wac h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(1)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y69a8 wd08 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Asset ceiling</div><div class=\"t m0 x1904 h3c y65df ff1 fs1b fc3 sc0 ls0 ws0\">3<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8f4 y6577 w2bc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1905 y6577 w2ae h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(4)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1906 y6577 w2bc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1907 y6577 wd09 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(4)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1908 y6577 w1cf h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1909 y6577 w1cf h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x190a y6577 w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x190b y6577 w1cf h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6566 wd0a h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Exchange rate adjustment<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x190c y6566 w4b0 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">6<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x190d y6566 w2f1 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x190e y6566 w269 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(6)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x190f y6566 w38b h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1910 y6566 w9a8 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(2)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x718 y6566 w32 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls0 ws0\">3<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1911 y6566 w57 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">7<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1912 y6566 w5e h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">8<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6567 wcf6 h201\"><div class=\"t m0 x1ed h3d y6548 ff5 fs5 fc3 sc0 ls5 ws5\">Surplus/(Deficit)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1913 y6567 w27b h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">68<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1914 y6567 w478 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(29)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1915 y6567 w25d h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(185)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1916 y6567 w8ad h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(146)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1917 y6567 w3a1 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">78<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1918 y6567 w41a h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1919 y6567 wcdd h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(180)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x191a y6567 w81 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(101)<span class=\"_ _3eb\"> </span></div></td></tr></table>1 <span class=\"_ _b\"> </span><span class=\"ff4\">Includes administrative expenses paid out of plan assets of $1 million (31 December <span class=\"_ _7\"></span>2024: $1 million).<span class=\"_ _3eb\"> </span></span>2 <span class=\"_ _f\"> </span><span class=\"ff4\">Relates to provisional impact of regulatory change in India and RBAT court <span class=\"_ _7\"></span>ruling in Kenya.<span class=\"_ _3eb\"> </span></span>3 <span class=\"_ _f\"> </span><span class=\"ff4\">Overseas plans include an asset ceiling in Kenya and a legacy Zimbabwe arrangement, <span class=\"_ _7\"></span>resulting from a restriction on the recognition of <span class=\"_ _7\"></span>surplus.<span class=\"_ _3eb\"> </span></span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfDefinedBenefitPlansExplanatory",
    "language": "en",
    "entity": "scheme:U4LOSYZ7YG4W3S5F2G91",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-649": {
   "value": "30. Retirement benefit <span class=\"_ _1b\"></span>obligations<span class=\"_ _3eb\"> </span>Accounting policy<span class=\"_ _3eb\"> </span>The Group operates pension and other post-retirement benefit plans around the world, which are categorised into defined contribution plans and defined benefit plans. For defined contribution plans, the Group <span class=\"_ _7\"></span>pays contributions to publicly or privately administered <span class=\"_ _7\"></span>pension plans on a statutory or contractual basis, and such <span class=\"_ _7\"></span>amounts are charged to operating expenses. The <span class=\"_ _7\"></span>Group has no further payment obligations once the contributions have been <span class=\"_ _7\"></span>paid.<span class=\"_ _3eb\"> </span>For defined benefit plans, which promise <span class=\"_ _7\"></span>levels of payments where the future cost <span class=\"_ _7\"></span>is not known with certainty: <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">The accounting obligation is calculated annually by independent actuaries using the projected <span class=\"_ _7\"></span>unit method.</span> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ls2\">Actuarial gains and losses that arise are recognised in shareholders\u2019 equity and presented in the statement of other<span class=\"_ _11\"></span> </span>comprehensive income in the period they <span class=\"_ _7\"></span>arise. <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">The Group determines the net interest expense on the net defined benefit <span class=\"_ _7\"></span>liability for the year by applying <span class=\"_ _7\"></span>the discount </span>rate used to measure the defined <span class=\"_ _7\"></span>benefit obligation at the beginning of the <span class=\"_ _7\"></span>annual period to the net defined <span class=\"_ _7\"></span>benefit liability, taking into account any changes <span class=\"_ _7\"></span>in the net defined benefit liability during <span class=\"_ _7\"></span>the year as a result of <span class=\"_ _7\"></span>contributions and<span class=\"_ gs36\"> </span>benefit payments. Net interest expense, the <span class=\"_ _7\"></span>cost of the accrual of new benefits, <span class=\"_ _7\"></span>benefit enhancements (or reductions) and administration expenses met directly from <span class=\"_ _7\"></span>plan assets are recognised in the income <span class=\"_ _7\"></span>statement in the period in which they were incurred.<span class=\"_ _3eb\"> </span>Other accounting estimates and judgements<span class=\"_ _3eb\"> </span>There are many factors that affect <span class=\"_ _7\"></span>the measurement of the retirement benefit obligations. <span class=\"_ _7\"></span>This measurement requires the<span class=\"_ gs36\"> </span>use of estimates, such as discount <span class=\"_ _7\"></span>rates, inflation, pension increases, salary increases, and <span class=\"_ _7\"></span>life expectancies which are inherently uncertain. The table below summarises <span class=\"_ _7\"></span>how these assumptions are set:<span class=\"_ _3eb\"> </span><table class=\"s wc77 h289\" id=\"_072f5440-bfc5-4cb3-a275-11c9878bb462\"><tr><td class=\"c n x1ee y6a08 wc78 h215\"><div class=\"t m0 x1ed h38 y6563 ff5 fs17 fc3 sc0 ls21 ws20\">Assumption<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1762 y6a08 wc79 h215\"><div class=\"t m0 x1ed h38 y6563 ff5 fs17 fc3 sc0 ls21 ws20\">Detail<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6a0a wc7a h28a\"><div class=\"t m0 x1ed h20 y6a09 ff6 fs2 fc3 sc0 ls2 ws0\">Discount rate<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1763 y6a0a wc7b h203\"><div class=\"t m0 x1ed h20 y6a09 ff1 fs2 fc3 sc0 ls2 ws0\">Determined by reference to market yields at the end of the reporting period on high-quality<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td class=\"t m0 x1764 h9 y6a0b ff1 fs2 fc3 sc0 ls2 ws0\">corporate bonds (or, in countries where there is no deep market in such bonds, government </td></tr><tr><td></td><td class=\"t m0 x1764 h5 y6a0c ff4 fs2 fc3 sc0 ls2 ws1\">bonds) of a currency and term <span class=\"_ _7\"></span>consistent with the currency and term of <span class=\"_ _7\"></span>the post-employment </td></tr><tr><td></td><td class=\"t m0 x1764 h5 y6a0d ff4 fs2 fc3 sc0 ls2 ws1\">benefit obligations. This is the approach <span class=\"_ _7\"></span>adopted across all our geographies. </td></tr><tr><td class=\"c n x1ee y6a0e wc7c h28a\"><div class=\"t m0 x1ed h20 y6a09 ff6 fs2 fc3 sc0 ls2 ws1\">Inflation<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1765 y6a0e wc7d h28a\"><div class=\"t m0 x1ed h20 y6a09 ff4 fs2 fc3 sc0 ls2 ws1\">Where there are inflation-linked bonds available <span class=\"_ _7\"></span>(e.g. United Kingdom and the eurozone),<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td class=\"t m0 x1764 h5 y6a0f ff4 fs2 fc3 sc0 ls2 ws1\">the<span class=\"_ gs36\"> </span>Group derives inflation based on the <span class=\"_ _7\"></span>market on those bonds, with the market <span class=\"_ _7\"></span>yield adjusted </td></tr><tr><td></td><td class=\"t m0 x1764 h5 y6a10 ff4 fs2 fc3 sc0 ls2 ws1\">in<span class=\"_ gs36\"> </span>respect of the United Kingdom to <span class=\"_ _7\"></span>take account of the fact that liabilities <span class=\"_ _7\"></span>are linked to </td></tr><tr><td></td><td class=\"t m0 x1764 h5 y6a11 ff4 fs2 fc3 sc0 ls2 ws1\">Consumer Price Index inflation, whereas the <span class=\"_ _7\"></span>reference bonds are linked to Retail Price <span class=\"_ _7\"></span>Index </td></tr><tr><td></td><td class=\"t m0 x1764 h5 y6a12 ff4 fs2 fc3 sc0 ls2 ws1\">inflation. Where no inflation-linked bonds exist, <span class=\"_ _7\"></span>we determine inflation assumptions based </td></tr><tr><td></td><td class=\"t m0 x1764 h5 y6a13 ff4 fs2 fc3 sc0 ls2 ws1\">on<span class=\"_ gs36\"> </span>a<span class=\"_ gs36\"> </span>combination of long-term forecasts and short-term <span class=\"_ _7\"></span>inflation data.<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c n x1ee y6a14 wc7e h28a\"><div class=\"t m0 x1ed h20 y6a09 ff7 fs2 fc3 sc0 ls2 ws1\">Salary growth<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1766 y6a14 wc7f h203\"><div class=\"t m0 x1ed h20 y6a09 ff1 fs2 fc3 sc0 ls2 ws0\">Salary growth assumptions reflect the Group\u2019s long-term expectations, taking into account<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td class=\"t m0 x1764 h5 y6a15 ff4 fs2 fc3 sc0 ls2 ws1\">future business plans and macroeconomic data <span class=\"_ _7\"></span>(primarily expected future long-term inflation).<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c n x1ee y6a16 wc80 h28a\"><div class=\"t m0 x1ed h20 y6a09 ff6 fs2 fc3 sc0 ls2 ws0\">Demographic assumptions<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1767 y6a16 wc81 h28a\"><div class=\"t m0 x1ed h20 y6a09 ff4 fs2 fc3 sc0 ls2 ws1\">Demographic assumptions, including mortality and turnover rates, <span class=\"_ _7\"></span>are typically set based<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td class=\"t m0 x1764 h5 y6a17 ff4 fs2 fc3 sc0 ls2 ws1\">on<span class=\"_ gs36\"> </span>the assumptions used in the most <span class=\"_ _7\"></span>recent actuarial funding valuation, and will generally </td></tr><tr><td></td><td class=\"t m0 x1764 h5 y6a18 ff4 fs2 fc3 sc0 ls2 ws1\">use<span class=\"_ gs36\"> </span>industry standard tables, adjusted where appropriate <span class=\"_ _7\"></span>to reflect recent historic experience </td></tr><tr><td></td><td class=\"t m0 x1764 h5 y6a19 ff4 fs2 fc3 sc0 ls2 ws1\">and/or future expectations.<span class=\"_ _3eb\"> </span></td></tr></table>The sensitivity of the liabilities to <span class=\"_ _7\"></span>changes in these assumptions is shown in <span class=\"_ _7\"></span>the Note below.<span class=\"_ _3eb\"> </span>Retirement benefit obligations and charge comprises:<span class=\"_ _3eb\"> </span><table class=\"s w3c7 h28b\" id=\"_59c53794-7c24-4e99-ba13-c5b1387dd5a6\"><tr><td></td><td class=\"c n x1768 y6a1a wc82 h204\"><div class=\"t m0 x1ed h2c y6696 ff4 fs17 fc3 sc0 ls21 ws20\">Obligation<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n x1769 y6a1a wc83 h205\"><div class=\"t m0 x1ed h2c y6696 ff1 fs17 fc3 sc0 ls21 ws20\">Charge<span class=\"_ _3eb\"> </span></div></td><td></td></tr><tr><td></td><td class=\"t m0 x3ff h38 y6a1b ff5 fs17 fc0 sc0 ls21 ws20\">2025<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x400 h39 y6a1b ff1 fs17 fc3 sc0 ls21 ws20\">2024<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1e8 h38 y6a1b ff5 fs17 fc0 sc0 ls21 ws20\">2025<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1e9 h39 y6a1b ff1 fs17 fc3 sc0 ls21 ws20\">2024<span class=\"_ _3eb\"> </span></td></tr><tr><td></td><td class=\"t m0 x176a h2c y6a1c ff4 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x405 h2c y6a1c ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1eb h38 y6a1c ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1ec h2c y6a1c ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c n x1ee y6577 wc84 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Defined benefit plans<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc21 y6577 w11e h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">146<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x176b y6577 wae3 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">101<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x176c y6577 we8 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">125<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x176d y6577 w73 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">62<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6566 wc85 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">Defined contribution plans<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x176e y6566 w1e6 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">23<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x176f y6566 w485 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">14<span class=\"_ _3eb\"> </span></div></td><td class=\"c x1771 y6566 wc86 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">393</div><div class=\"t m0 x1770 h93 y6657 ff6 fs1b fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x53d h1a y6a1d ff4 fs5 fc3 sc0 ls5 ws5\">389<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c n x1ee y6567 w49a h203\"><div class=\"t m0 x1ed h3d y655f ff5 fs5 fc3 sc0 ls5 ws5\">Total<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1772 y6567 w1a6 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">169<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1773 y6567 web h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">115<span class=\"_ _3eb\"> </span></div></td><td class=\"c x1612 y6567 wc87 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">518</div><div class=\"t m0 x1774 h93 y6657 ff6 fs1b fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td><td class=\"c x1776 y6963 wc88 h231\"><div class=\"t m0 x1ed h3b y6600 ff1 fs5 fc3 sc0 ls5 ws5\">451</div><div class=\"t m0 x1775 h3c y667e ff1 fs1b fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td></tr></table>1 <span class=\"_ _b\"> </span><span class=\"ff4\">The Group during the year utilised against defined contribution payments, $1 million forfeited <span class=\"_ _7\"></span>pension contributions in respect of employees who left <span class=\"_ _7\"></span>before their </span>interests vested fully. The residual balance of forfeited <span class=\"_ _7\"></span>contributions is $21 million.<span class=\"_ _3eb\"> </span>2 <span class=\"_ _f\"> </span><span class=\"ff4\">Refer to note 7 \u2013 Operating expenses.<span class=\"_ _3eb\"> </span></span><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs782\">The Group operates over 60 defined <span class=\"_ _7\"></span>benefit plans across its geographies, many of <span class=\"_ _7\"></span>which are closed to new entrants <span class=\"_ _7\"></span>who now </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs783\">join defined contribution arrangements. The aim <span class=\"_ _7\"></span>of all these plans is, as part <span class=\"_ _7\"></span>of the Group\u2019s commitment to financial <span class=\"_ _7\"></span>wellbeing, </div><div class=\"t m0 h9 ff1 fs2 fc3 sc0 ls2 ws0 gs784\">to give employees the opportunity to save appropriately for retirement in a way that is consistent with local regulations, </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs785\">taxation requirements and market conditions. The <span class=\"_ _7\"></span>defined benefit plans expose the Group to <span class=\"_ _7\"></span>currency risk, interest rate risk, </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs786\">investment risk and actuarial risks such <span class=\"_ _7\"></span>as longevity risk.<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs787\">The disclosures required under IAS 19 <span class=\"_ _7\"></span>have been calculated by independent qualified actuaries <span class=\"_ _7\"></span>based on the most recent full </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs788\">actuarial valuations updated, where necessary, to <span class=\"_ _7\"></span>31 December 2025.<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs789\">Financial and demographic assumptions have remained <span class=\"_ _7\"></span>largely consistent with those used in the <span class=\"_ _7\"></span>prior year. And the impact </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs78a\">on<span class=\"_ gs36\"> </span>the liabilities of any movements in <span class=\"_ _7\"></span>interest and inflation rates has been partially <span class=\"_ _7\"></span>hedged by the government and corporate </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs78b\">bonds held.<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs78c\">The increase in the pension deficit <span class=\"_ _7\"></span>during the year was primarily driven by <span class=\"_ _7\"></span>regulatory and legal developments in India </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs78d\">(causing<span class=\"_ gs36\"> </span>a<span class=\"_ gs36\"> </span>past service cost of $48 million) <span class=\"_ _7\"></span>and Kenya ($19 million). In India, a <span class=\"_ _7\"></span>past service cost has been recognised <span class=\"_ _7\"></span>in relation </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs78e\">to statutory lump sum plans, based <span class=\"_ _7\"></span>on the current interpretation of new regulations <span class=\"_ _7\"></span>that expand the definition of pay <span class=\"_ _7\"></span>on which </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs78f\">they are calculated. The new regulations <span class=\"_ _7\"></span>were substantively enacted on 21 November and <span class=\"_ _7\"></span>applied both immediately and </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs790\">retrospectively; further clarification from the local <span class=\"_ _7\"></span>authorities is expected in 2026. In Kenya, <span class=\"_ _7\"></span>the Retirement Benefits Appeals </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs791\">Tribunal (RBAT) ruled broadly in favour <span class=\"_ _7\"></span>of a longstanding legal case brought by <span class=\"_ _7\"></span>629 former employees. A past service <span class=\"_ _7\"></span>cost </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs792\">reflects the financial impact of this <span class=\"_ _7\"></span>judgment, which included a mandate to fund <span class=\"_ _7\"></span>the plan. Where legacy colleagues have <span class=\"_ _7\"></span>yet </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs793\">to<span class=\"_ gs36\"> </span>be traced, the temporary surplus arising <span class=\"_ _7\"></span>from the mandated funding has been disregarded <span class=\"_ _7\"></span>under IFRIC 14.<span class=\"_ _3eb\"> </span></div><div class=\"t m0 hc ff6 fs8 fc2 sc0 ls8 ws0 gs794\">UK Fund<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs795\">The Standard Chartered Pension Fund (the <span class=\"_ _7\"></span>\u2018UK Fund\u2019) is the Group\u2019s largest pension <span class=\"_ _7\"></span>plan, representing 46 per cent </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs796\">(31 December 2024: 46 per cent) <span class=\"_ _7\"></span>of total pension liabilities. The UK Fund <span class=\"_ _7\"></span>is set up under a trust <span class=\"_ _7\"></span>that is legally separate from </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs797\">the<span class=\"_ gs36\"> </span>Bank (its formal sponsor) and, as <span class=\"_ _7\"></span>required by UK legislation, at least one <span class=\"_ _7\"></span>third of the trustee directors are <span class=\"_ _7\"></span>nominated </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs798\">by<span class=\"_ gs36\"> </span>members; the remainder are appointed by <span class=\"_ _7\"></span>the Bank. The trustee directors have a <span class=\"_ _7\"></span>fiduciary duty to members and are </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs799\">responsible<span class=\"_ gs36\"> </span>for governing the UK Fund in <span class=\"_ _7\"></span>accordance with its Trust Deed and Rules. </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs79a\">The UK Fund was closed to <span class=\"_ _7\"></span>new entrants from 1 July 1998 and <span class=\"_ _7\"></span>closed to the accrual of new <span class=\"_ _7\"></span>benefits from 1 April 2018: all <span class=\"_ _7\"></span>UK </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs79b\">employees are now offered membership of <span class=\"_ _7\"></span>a defined contribution plan.<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs79c\">The financial position of the UK <span class=\"_ _7\"></span>Fund is regularly assessed by an independent <span class=\"_ _7\"></span>qualified actuary. The funding valuation as </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs79d\">at<span class=\"_ gs36\"> </span>31<span class=\"_ gs36\"> </span>December 2023 was completed in December <span class=\"_ _7\"></span>2024 by the Scheme Actuary, T Kripps <span class=\"_ _7\"></span>of Willis Towers Watson, using </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs79e\">assumptions different from those used for <span class=\"_ _7\"></span>IAS 19, and agreed with the UK <span class=\"_ _7\"></span>Fund trustee. It showed that the <span class=\"_ _7\"></span>UK Fund was 96% </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs79f\">funded at that date, revealing a <span class=\"_ _7\"></span>past service deficit of $48 million (\u00a338 <span class=\"_ _7\"></span>million). </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs7a0\">To repair the deficit, three annual <span class=\"_ _7\"></span>cash payments each of $13 million (\u00a310 <span class=\"_ _7\"></span>million) were agreed, with the first <span class=\"_ _7\"></span>of these paid </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs7a1\">in<span class=\"_ gs36\"> </span>December 2024, and two further instalments <span class=\"_ _7\"></span>to be paid in December 2025 and <span class=\"_ _7\"></span>December 2026. However, the agreement </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs7a2\">allowed that the payments due in <span class=\"_ _7\"></span>2025 and 2026 may be varied depending <span class=\"_ _7\"></span>on the funding position at the <span class=\"_ _7\"></span>preceding 30 June </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs7a3\">provided that total payments over the <span class=\"_ _7\"></span>three year recovery plan period do not <span class=\"_ _7\"></span>exceed $38 million (\u00a330 million). Based <span class=\"_ _7\"></span>on </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs7a4\">financial conditions at 30 June 2025, <span class=\"_ _7\"></span>the Scheme Actuary determined that the 2025 <span class=\"_ _7\"></span>payment should be $7million (\u00a35 million), </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs7a5\">and this was remitted to the <span class=\"_ _7\"></span>Fund in December. As part of the <span class=\"_ _7\"></span>2023 valuation agreement, it was agreed <span class=\"_ _7\"></span>that gilts with </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs7a6\">a<span class=\"_ gs36\"> </span>nominal value of $200 million (\u00a3160 <span class=\"_ _7\"></span>million) would remain in escrow to provide <span class=\"_ _7\"></span>additional security the Trustee.<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs7a7\">The Group has not recognised any <span class=\"_ _7\"></span>additional liability under IFRIC 14, as the <span class=\"_ _7\"></span>Bank has control of any pension <span class=\"_ _7\"></span>surplus under the </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs7a8\">Trust Deed and Rules.<span class=\"_ _3eb\"> </span></div><div class=\"t m0 hc ff6 fs8 fc2 sc0 ls8 ws0 gs7a9\">Overseas plans<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs7aa\">The principal overseas defined benefit arrangements <span class=\"_ _7\"></span>operated by the Group are in Hong <span class=\"_ _7\"></span>Kong, India, Jersey, Korea, Taiwan, </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs7ab\">Thailand, United Arab Emirates (UAE) and <span class=\"_ _7\"></span>the United States of America (US). Plans <span class=\"_ _7\"></span>in Hong Kong, India, Korea, Taiwan, </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs7ac\">Thailand, and UAE remain open for <span class=\"_ _7\"></span>accrual of future benefits.<span class=\"_ _3eb\"> </span></div><div class=\"t m0 hc ff6 fs8 fc2 sc0 ls8 ws0 gs7ae\">Key assumptions<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs7af\">The principal financial assumptions used at <span class=\"_ _7\"></span>31 December 2025 were:<span class=\"_ _3eb\"> </span></div><div class=\"gs7b0\"><table class=\"s w7de h28c\" id=\"_300a9ba0-8e46-4c4b-9572-b0870e90ec53\"><tr><td></td><td></td><td class=\"c n x934 y6a1e w306 h215\"><div class=\"t m0 x1ed h38 y6563 ff5 fs17 fc0 sc0 ls21 ws20\">2025<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td class=\"c n x1777 y6a1e w46b h205\"><div class=\"t m0 x1ed h38 y6563 ff1 fs17 fc3 sc0 ls21 ws20\">2024<span class=\"_ _3eb\"> </span></div></td><td></td></tr><tr><td></td><td class=\"t m0 xeb4 h38 y6a1f ff5 fs17 fc0 sc0 ls21 ws20\">UK Funded<span class=\"_ _3eb\"> </span></td><td class=\"c x1779 y6a20 wc89 h262\"><div class=\"t m0 x1ed h38 y6563 ff5 fs17 fc0 sc0 ls21 ws20\">Overseas Plans</div><div class=\"t m0 x1778 ha7 y68e2 ff5 fs19 fc0 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c x177b y6a20 wc8a h262\"><div class=\"t m0 x1ed h38 y6563 ff5 fs17 fc0 sc0 ls21 ws20\">Unfunded Plans</div><div class=\"t m0 x177a ha7 y68e2 ff5 fs19 fc0 sc0 ls0 ws0\">2</div></td><td class=\"t m0 x531 h39 y6a1f ff1 fs17 fc3 sc0 ls21 ws0\">UK Funded<span class=\"_ _3eb\"> </span></td><td class=\"c x177c y6a22 wc8b h28d\"><div class=\"t m0 x1ed h39 y65c3 ff1 fs17 fc3 sc0 ls21 ws0\">Overseas Plans</div><div class=\"t m0 x12b6 h3a y6a21 ff1 fs19 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c x8b6 y6a22 w82c h28d\"><div class=\"t m0 x1ed h39 y65c3 ff1 fs17 fc3 sc0 ls21 ws0\">Unfunded Plans</div><div class=\"t m0 x177d h3a y6a21 ff1 fs19 fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td class=\"t m0 xeb5 h38 y6a23 ff5 fs17 fc0 sc0 ls0 ws0\">%<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x177e h38 y6a23 ff5 fs17 fc0 sc0 ls0 ws0\">%<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xf4b h38 y6a23 ff5 fs17 fc0 sc0 ls0 ws0\">%<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x177f h39 y6a23 ff1 fs17 fc3 sc0 ls0 ws0\">%<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xd32 h39 y6a23 ff1 fs17 fc3 sc0 ls0 ws0\">%<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1780 h39 y6a23 ff1 fs17 fc3 sc0 ls0 ws0\">%<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c n x1ee y6a24 wc8c h1fe\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Discount rate<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1781 y6a24 wc8d h1ff\"><div class=\"t m0 x1ed h3d y6548 ff7 fs5 fc3 sc0 ls5 ws5\">5.5<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1782 y6a24 w5fd h1ff\"><div class=\"t m0 x1ed h3d y6548 ff7 fs5 fc3 sc0 ls5 ws5\">1.3 \u2013 6.7<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1783 y6a24 wc8e h1ff\"><div class=\"t m0 x1ed h3d y6548 ff7 fs5 fc3 sc0 ls5 ws5\">1.4 \u2013 <span class=\"_ _7\"></span>6.7<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1784 y6a24 wc8f h1ff\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">5.5<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1785 y6a24 wc90 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">1.6 \u2013 6.9<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1786 y6a24 wc91 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">2.5 \u2013 6.9<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6a25 wc92 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">Price inflation<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1787 y6a25 wc93 h201\"><div class=\"t m0 x1ed h3d y6548 ff7 fs5 fc3 sc0 ls5 ws5\">2.4<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1788 y6a25 wc94 h201\"><div class=\"t m0 x1ed h3d y6548 ff7 fs5 fc3 sc0 ls5 ws5\">2.0 \u2013 5.0<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1789 y6a25 wc95 h201\"><div class=\"t m0 x1ed h3d y6548 ff7 fs5 fc3 sc0 ls5 ws5\">2.0 \u2013 5.0<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x178a y6a25 wc96 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">2.5<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x178b y6a25 wc97 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">2.0 \u2013 5.0<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x178c y6a25 wc97 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">2.0 \u2013 5.0<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6a26 wc98 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Salary increases<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x178d y6a26 wc99 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">n/a<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x178e y6a26 wc9a h201\"><div class=\"t m0 x1ed h3d y6548 ff7 fs5 fc3 sc0 ls5 ws5\">3.5 \u2013 7.5<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x178f y6a26 wc9b h201\"><div class=\"t m0 x1ed h3d y6548 ff7 fs5 fc3 sc0 ls5 ws5\">2.4 \u2013 7.5<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1790 y6a26 w8f1 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">n/a<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1791 y6a26 wc9c h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">3.5 \u2013 8.5<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1792 y6a26 wc9d h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">4.0 \u2013 8.5<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6a27 wc9e h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Pension increases<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1793 y6a27 wc9f h201\"><div class=\"t m0 x1ed h3d y6548 ff7 fs5 fc3 sc0 ls5 ws5\">2.4<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1794 y6a27 wca0 h201\"><div class=\"t m0 x1ed h3d y6548 ff7 fs5 fc3 sc0 ls5 ws5\">0 \u2013 2.8<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1795 y6a27 wca1 h201\"><div class=\"t m0 x1ed h3d y6548 ff7 fs5 fc3 sc0 ls5 ws5\">0 \u2013 2.4<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1796 y6a27 wca2 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">2.3<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1797 y6a27 wca3 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">0 \u2013 2.9<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1798 y6a27 w802 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">0 \u2013 2.3<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x221 h3b y6a28 ff1 fs5 fc3 sc0 ls5 ws5\">Post-retirement </td><td class=\"c n x1799 y6a29 wc99 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">n/a<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x179a y6a29 wc99 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">n/a<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x179b y6a29 wca4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws0\">8% in 2025 reducing<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x179c y6a2a w8f1 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">n/a<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n x179d y6a2a wca5 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">8% in 2024 reducing<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x221 h1a y6a2b ff4 fs5 fc3 sc0 ls5 ws5\">medical<span class=\"_ gs1a1\"> </span>rate<span class=\"_ _3eb\"> </span></td><td></td><td></td><td class=\"t m0 x179e h3d y6a2b ff7 fs5 fc3 sc0 ls5 ws5\">by 0.5% per annum </td><td></td><td></td><td class=\"t m0 x8f8 h1a y6a2b ff4 fs5 fc3 sc0 ls5 ws5\">by 0.5% per annum </td></tr><tr><td></td><td></td><td></td><td class=\"t m0 x8bc h3d y6a2c ff6 fs5 fc3 sc0 ls5 ws0\">to 5% in 2031<span class=\"_ _3eb\"> </span></td><td></td><td></td><td class=\"t m0 x179f h3b y6a2c ff1 fs5 fc3 sc0 ls5 ws0\">to 5% in 2030<span class=\"_ _3eb\"> </span></td></tr></table></div><div class=\"t m0 hb ff1 fs7 fc3 sc0 ls7 ws7 gs7b1\">1 <span class=\"_ _b\"> </span><span class=\"ff4\">The range of assumptions shown is for the funded defined benefit overseas plans <span class=\"_ _7\"></span>in Hong Kong, India, Jersey, Korea, Taiwan, and <span class=\"_ _7\"></span>the US. These comprise around </span></div><div class=\"t m0 hb ff4 fs7 fc3 sc0 ls7 ws7 gs7b2\">80<span class=\"_ gs1a2\"> </span>per<span class=\"_ gs1a2\"> </span>cent of the total liabilities of overseas funded <span class=\"_ _7\"></span>plans.<span class=\"_ _3eb\"> </span></div><div class=\"t m0 hb ff1 fs7 fc3 sc0 ls7 ws7 gs7b3\">2 <span class=\"_ _f\"> </span><span class=\"ff4\">The range of assumptions shown is for the main unfunded defined benefit <span class=\"_ _7\"></span>plans in India, Korea, Thailand, Hong Kong, UAE, <span class=\"_ _7\"></span>UK and the US. They comprise over </span></div><div class=\"t m0 hb ff4 fs7 fc3 sc0 ls7 ws7 gs7b4\">90<span class=\"_ gs1a2\"> </span>per cent of the total liabilities of unfunded <span class=\"_ _7\"></span>plans.<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs7b5\">The principal non-financial assumptions are those <span class=\"_ _7\"></span>made for UK life expectancy. The UK <span class=\"_ _7\"></span>mortality tables are S4PMA for males </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs7b6\">and S4PFA for females, projected by <span class=\"_ _7\"></span>year of birth with the CMI 2023 <span class=\"_ _7\"></span>improvement model with a 1.25 per <span class=\"_ _7\"></span>cent annual trend and </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs7b7\">initial addition parameter of 0.25 per <span class=\"_ _7\"></span>cent. Scaling factors of 81 per cent <span class=\"_ _7\"></span>for male pensioners, 93 per cent <span class=\"_ _7\"></span>for female pensioners, </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs7b8\">81 per cent for male dependants <span class=\"_ _7\"></span>and 81 per cent for female dependants <span class=\"_ _7\"></span>have been applied. </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs7b9\">The resulting assumptions for life expectancy <span class=\"_ _7\"></span>for the UK Fund are that a <span class=\"_ _7\"></span>male member currently aged 60 will <span class=\"_ _7\"></span>live for 28 years </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs7ba\">(2024: 28 years) and a female <span class=\"_ _7\"></span>member for 29 years (2024: 29 years) <span class=\"_ _7\"></span>and a male member currently aged <span class=\"_ _7\"></span>40 will live for 29 years </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs7bb\">(2024: 29 years) and a female <span class=\"_ _7\"></span>member for 31 years (2024: 31 years) <span class=\"_ _7\"></span>after their 60</div><div class=\"t m0 h2d ff1 fs18 fc3 sc0 ls22 ws21 gs7bc\">th</div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs7bd\"> birthdays.<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs7be\">Both financial and non-financial assumptions can <span class=\"_ _7\"></span>be expected to change in the future, <span class=\"_ _7\"></span>which would affect the value placed </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs7bf\">on<span class=\"_ gs36\"> </span>the liabilities. For example, changes at <span class=\"_ _7\"></span>the reporting date to one of the <span class=\"_ _7\"></span>relevant actuarial assumptions, holding other </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs7c0\">assumptions constant, would have affected the <span class=\"_ _7\"></span>defined benefit obligation by the amounts shown <span class=\"_ _7\"></span>below:</div><div class=\"t m0 h5 ff1 fs2 fc3 sc0 ls0 ws0 gs7c1\"> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">If the discount rate increased by 25 basis points the liability would <span class=\"_ _7\"></span>reduce by approximately $25 million for <span class=\"_ _7\"></span>the UK Fund </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs7c2\">(2024:<span class=\"_ gs36\"> </span>$25 million) and $20 million for <span class=\"_ _7\"></span>the other plans (2024: $20 million)</div><div class=\"t m0 h5 ff1 fs2 fc3 sc0 ls0 ws0 gs7c3\"> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">If the rate of inflation increased by 25 basis points the liability, <span class=\"_ _7\"></span>allowing for the consequent impact on <span class=\"_ _7\"></span>pension and salary </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs7c4\">increases, would increase by approximately $15 <span class=\"_ _7\"></span>million for the UK Fund (2024: $15 <span class=\"_ _7\"></span>million) and $10 million for the <span class=\"_ _7\"></span>other plans </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs7c5\">(2024: $15 million)</div><div class=\"t m0 h5 ff1 fs2 fc3 sc0 ls0 ws0 gs7c6\"> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">If the rate of salary growth relative to inflation increased by 25 <span class=\"_ _7\"></span>basis points the liability would increase <span class=\"_ _7\"></span>by nil for the UK Fund </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs7c7\">(2024: nil) and approximately $10 million <span class=\"_ _7\"></span>for the other plans (2024: $10 million)</div><div class=\"t m0 h5 ff1 fs2 fc3 sc0 ls0 ws0 gs7c8\"> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">If longevity expectations increased by one year the liability would increase by <span class=\"_ _7\"></span>approximately $40 million for the UK <span class=\"_ _7\"></span>Fund </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs7c9\">(2024: $35 million) and $10 million <span class=\"_ _7\"></span>for the other plans (2024: $10 million)<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs7ca\">Although this analysis does not take <span class=\"_ _7\"></span>account of the full distribution of cash <span class=\"_ _7\"></span>flows expected, it does provide an <span class=\"_ _7\"></span>approximation </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs7cb\">of<span class=\"_ gs36\"> </span>the sensitivity to the main assumptions. <span class=\"_ _7\"></span>While changes in other assumptions would also <span class=\"_ _7\"></span>have an impact, the effect would </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs7cc\">not<span class=\"_ gs36\"> </span>be as significant.<span class=\"_ _3eb\"> </span></div><div class=\"t m0 hc ff7 fs8 fc2 sc0 ls8 wsb gs7cd\">Profile of plan <span class=\"_ _7\"></span>obligations<span class=\"_ _3eb\"> </span></div><div class=\"gs7ce\"><table class=\"s wca6 h28e\" id=\"_0a7e8528-09bb-4690-bad1-3d998d4989ad\"><tr><td></td><td class=\"t m0 x544 h38 y6a2d ff5 fs17 fc0 sc0 ls21 ws20\">Funded plans<span class=\"_ _3eb\"> </span></td><td></td><td class=\"t m0 xeb6 h38 y6a2e ff5 fs17 fc0 sc0 ls21 ws20\">Unfunded </td></tr><tr><td></td><td class=\"c n x17a0 y6a2f wca7 h204\"><div class=\"t m0 x1ed h38 y6563 ff5 fs17 fc0 sc0 ls21 ws20\">UK Fund<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17a1 y6a2f wca8 h204\"><div class=\"t m0 x1ed h38 y6563 ff5 fs17 fc0 sc0 ls21 ws20\">Overseas<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17a2 y6a2f wca9 h204\"><div class=\"t m0 x1ed h38 y6563 ff5 fs17 fc0 sc0 ls21 ws20\">plans<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6573 wcaa h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">Duration of the defined benefit obligation (in <span class=\"_ _7\"></span>years)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17a3 y6573 w3d2 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">10<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17a4 y6573 w8a3 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">8<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17a5 y6573 w8a3 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">8<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6574 wcab h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">Duration of the defined benefit obligation \u2013 <span class=\"_ _7\"></span>2024<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17a6 y6574 wa9 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">10<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17a7 y6574 w8a3 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">8<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1259 y6574 w8a3 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">8<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x221 h3b y6a30 ff1 fs5 fc3 sc0 ls5 ws0\">Benefits expected to be paid from plans<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y6575 wcac h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">Benefits expected to be paid during 2026<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16ff y6575 w2c1 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">89<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17a8 y6575 w355 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">102<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17a9 y6575 w74 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">21<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y658d wcad h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">Benefits expected to be paid during 2027<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17aa y658d w66 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">92<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17ab y658d w63f h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">138<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17ac y658d w473 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">19<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y658e wcae h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">Benefits expected to be paid during 2028<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17ad y658e w7be h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">94<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17ae y658e wcaf h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">117<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17a9 y658e w268 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">17<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6659 wcac h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">Benefits expected to be paid during 2029<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16ff y6659 w4fa h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">96<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17af y6659 waae h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">127<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17b0 y6659 w268 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">17<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6566 wcb0 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Benefits expected to be paid during 2030<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17b1 y6566 w363 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">99<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17b2 y6566 w3d4 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">122<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17b3 y6566 w473 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">19<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6567 wcb1 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Benefits expected to be paid during 2031 to 2035<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17b4 y6567 w405 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">529<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17b5 y6567 wcb2 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">595<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17b6 y6567 w473 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">91<span class=\"_ _3eb\"> </span></div></td></tr></table></div><div class=\"t m0 hc ff7 fs8 fc2 sc0 ls8 wsb gs7d0\">Fund values: </div><div class=\"gs1b7\"><table class=\"s wcb3 h28f\" id=\"_c6d9b8b0-649f-4ae6-a127-1b35850870d3\"><tr><td></td><td></td><td></td><td class=\"c n x115d y6a31 w306 h215\"><div class=\"t m0 x1ed h38 y6563 ff5 fs17 fc0 sc0 ls21 ws20\">2025<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td class=\"c n x17b7 y6a31 w46b h205\"><div class=\"t m0 x1ed h38 y6563 ff1 fs17 fc3 sc0 ls21 ws20\">2024<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"c n x17b8 y6a32 wcb4 h215\"><div class=\"t m0 x1ed h38 y6563 ff5 fs17 fc0 sc0 ls21 ws20\">UK Fund<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td class=\"c n x17b9 y6a32 wcb5 h215\"><div class=\"t m0 x1ed h38 y6563 ff5 fs17 fc0 sc0 ls21 ws20\">Overseas plans<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td class=\"c n x17ba y6a32 w1c8 h205\"><div class=\"t m0 x1ed h38 y6563 ff1 fs17 fc3 sc0 ls21 ws0\">UK Fund<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td class=\"c n x17bb y6a32 wcb6 h205\"><div class=\"t m0 x1ed h38 y6563 ff1 fs17 fc3 sc0 ls21 ws0\">Overseas plans<span class=\"_ _3eb\"> </span></div></td><td></td></tr><tr><td></td><td class=\"t m0 x17bc h38 y6a33 ff5 fs17 fc0 sc0 ls21 ws20\">Quoted </td><td class=\"t m0 x17bd h38 y6a33 ff5 fs17 fc0 sc0 ls21 ws20\">Unquoted </td><td class=\"t m0 x127a h38 y6a33 ff5 fs17 fc0 sc0 ls21 ws20\">Total </td><td class=\"t m0 x2f7 h38 y6a33 ff5 fs17 fc0 sc0 ls21 ws20\">Quoted </td><td class=\"t m0 x4bc h38 y6a33 ff5 fs17 fc0 sc0 ls21 ws20\">Unquoted </td><td class=\"t m0 x12e6 h38 y6a33 ff5 fs17 fc0 sc0 ls21 ws20\">Total </td><td class=\"t m0 x667 h2c y6a33 ff4 fs17 fc3 sc0 ls21 ws20\">Quoted </td><td class=\"t m0 x6c4 h39 y6a33 ff1 fs17 fc3 sc0 ls21 ws20\">Unquoted </td><td class=\"t m0 x4b0 h39 y6a33 ff1 fs17 fc3 sc0 ls21 ws20\">Total </td><td class=\"t m0 x14b8 h2c y6a33 ff4 fs17 fc3 sc0 ls21 ws20\">Quoted </td><td class=\"t m0 x6bb h39 y6a33 ff1 fs17 fc3 sc0 ls21 ws20\">Unquoted </td><td class=\"t m0 x6cb h39 y6a33 ff1 fs17 fc3 sc0 ls21 ws20\">Total </td></tr><tr><td></td><td class=\"t m0 x17be h38 y6a34 ff2 fs17 fc0 sc0 ls21 ws20\">assets<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xe30 h38 y6a34 ff2 fs17 fc0 sc0 ls21 ws20\">assets<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x6b8 h38 y6a34 ff2 fs17 fc0 sc0 ls21 ws20\">assets<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x17bf h38 y6a34 ff2 fs17 fc0 sc0 ls21 ws20\">assets<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x17c0 h38 y6a34 ff2 fs17 fc0 sc0 ls21 ws20\">assets<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x17c1 h38 y6a34 ff2 fs17 fc0 sc0 ls21 ws20\">assets<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1051 h39 y6a34 ff1 fs17 fc3 sc0 ls21 ws20\">assets<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x2e1 h39 y6a34 ff1 fs17 fc3 sc0 ls21 ws20\">assets<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x17c2 h39 y6a34 ff1 fs17 fc3 sc0 ls21 ws20\">assets<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x162c h39 y6a34 ff1 fs17 fc3 sc0 ls21 ws20\">assets<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xc2b h39 y6a34 ff1 fs17 fc3 sc0 ls21 ws20\">assets<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x66b h39 y6a34 ff1 fs17 fc3 sc0 ls21 ws20\">assets<span class=\"_ _3eb\"> </span></td></tr><tr><td></td><td class=\"t m0 x17bc h38 y6a35 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xe33 h38 y6a35 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x17c3 h38 y6a35 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x2f7 h38 y6a35 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x2e5 h38 y6a35 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x4bd h38 y6a35 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x667 h2c y6a35 ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x2f9 h2c y6a35 ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x6be h2c y6a35 ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x14b8 h2c y6a35 ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x17c4 h2c y6a35 ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x234 h2c y6a35 ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"t m0 x235 h8 y6a36 ff5 fs5 fc3 sc0 ls5 ws5\">At 31 December<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y6a37 wcb7 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">Equities<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17c5 y6a37 w3f4 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17c6 y6a37 w2bc h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17c7 y6a37 w2f0 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17c8 y6a37 w89e h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">108<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17c9 y6a37 w2bc h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17ca y6a37 w89e h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">108<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17cb y6a37 w4da h1fe\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17cc y6a37 w1d4 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17cd y6a37 w4da h1fe\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17ce y6a37 w39f h1fe\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">132<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17cf y6a37 w1d4 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17d0 y6a37 w39e h1fe\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">132<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6a38 wcb8 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Government bonds<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17d1 y6a38 wcb9 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">332<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17d2 y6a38 w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17d3 y6a38 w11a h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">332<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17d4 y6a38 w11a h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">323<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17d5 y6a38 w2bc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17d6 y6a38 wcb9 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">323<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17d7 y6a38 w44c h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">342<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17d8 y6a38 w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17d9 y6a38 wcba h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">342<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17da y6a38 w11b h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">269<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17db y6a38 w1cf h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17dc y6a38 w11b h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">269<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6a39 wcbb h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Corporate bonds<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17dd y6a39 waba h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">411<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17de y6a39 w62a h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">134<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17df y6a39 wcbc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">545<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17e0 y6a39 wa5 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">266<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17e1 y6a39 w2bc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17e2 y6a39 wa5 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">266<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17e3 y6a39 w50c h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">357<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17e4 y6a39 wcbd h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">126<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17e5 y6a39 w9de h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">483<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17e6 y6a39 wcbd h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">291<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17e7 y6a39 w1cf h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17e8 y6a39 wcbd h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">291<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6a3a wcbe h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Hedge funds<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17e9 y6a3a w2bc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17ea y6a3a w47b h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">4<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17eb y6a3a w263 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">4<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17ec y6a3a w7be h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">94<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17ed y6a3a w2bc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17ee y6a3a w7be h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">94<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17ef y6a3a w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17f0 y6a3a w40 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls0 ws0\">5<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17f1 y6a3a w1df h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls0 ws0\">5<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17f2 y6a3a w1cf h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17f3 y6a3a w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17f4 y6a3a w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6a3b wcbf h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">Infrastructure<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17f5 y6a3b w2bc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17f6 y6a3b w47d h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">191<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17f7 y6a3b wa66 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">191<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17f8 y6a3b w2bc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17f9 y6a3b w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17fa y6a3b w2bc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17fb y6a3b w1cf h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17fc y6a3b wcc0 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">170<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17fd y6a3b wcc0 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">170<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17fe y6a3b w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17ff y6a3b w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1800 y6a3b w1cf h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6a3c wcc1 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">Property<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1801 y6a3c w2bc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1802 y6a3c wcc2 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">80<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1803 y6a3c wcc2 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">80<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n x1804 y6a3c w8b5 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">18<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1805 y6a3c w8b5 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">18<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1806 y6a3c w1cf h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1807 y6a3c we3 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">81<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1808 y6a3c we3 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">81<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1809 y6a3c w1cf h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x180a y6a3c w4be h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">15<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x180b y6a3c w4be h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">15<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6a3d wcc3 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">Derivatives<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x180c y6a3d w3f4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x180d y6a3d w265 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(2)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x180e y6a3d w2bc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb27 y6a3d w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x180f y6a3d w2bc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1810 y6a3d w2bc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1811 y6a3d w5d2 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">22<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1812 y6a3d wac h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(1)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1813 y6a3d w11d h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">21<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1814 y6a3d w1cf h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1815 y6a3d w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1816 y6a3d w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y6a3e wcc4 h219\"><div class=\"t m0 x1ed h3b y65db ff1 fs5 fc3 sc0 ls5 ws0\">Cash and<span class=\"_ _3eb\"> </span></div><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">equivalents<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1817 y6a3e w9a7 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">38<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1818 y6a3e w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1819 y6a3e w9a7 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">38<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x181a y6a3e wcc5 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">151<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x181b y6a3e w9fa h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">165\u00b2<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x181c y6a3e wcc6 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">316<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1811 y6a3e w3a7 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">35<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x181d y6a3e w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x181e y6a3e w1ea h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">35<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x181f y6a3e w364 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">60<span class=\"_ _3eb\"> </span></div></td><td class=\"c x1821 y6a3e wcc7 h275\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">153</div><div class=\"t m0 x1820 h3c y697f ff1 fs1b fc3 sc0 ls0 ws0\">2</div></td><td class=\"t m0 x1822 h3b y6a3f ff1 fs5 fc3 sc0 ls5 ws5\">213<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c n x1ee y6a40 wae5 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">Others<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1823 y6a40 w4b0 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">9<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1824 y6a40 w2bc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1825 y6a40 w4b0 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">9<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1826 y6a40 w472 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">20<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1827 y6a40 w2bc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1828 y6a40 wcc8 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">20<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1829 y6a40 w57 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">7<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x182a y6a40 w4da h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x182b y6a40 wa8 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">9<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x182c y6a40 w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x182d y6a40 w412 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">156<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x182e y6a40 w412 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">156<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x235 h8 y6a41 ff5 fs5 fc3 sc0 ls5 ws5\">Total fair value </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1ee y6a42 wcc9 h201\"><div class=\"t m0 x1ed h8 y666e ff5 fs5 fc3 sc0 ls5 ws5\">of<span class=\"_ gs1a6\"> </span>assets</div><div class=\"t m0 x182f h93 y666f ff6 fs1b fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1830 y68ca wcca h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">794<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1831 y68ca w3e2 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">407<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1832 y68ca w352 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">1,201<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1833 y68ca w397 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">962<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1834 y68ca wccb h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">183<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1835 y68ca w28f h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">1,145<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1836 y68ca w114 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">765<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1837 y68ca wccc h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">383<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1838 y68ca w455 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">1,148<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1839 y68ca w39b h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">752<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x183a y68ca w44c h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">324<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x183b y68ca wccd h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">1,076<span class=\"_ _3eb\"> </span></div></td></tr></table></div><div class=\"t m0 hb ff1 fs7 fc3 sc0 ls7 ws7 gs7d1\">1 <span class=\"_ _b\"> </span><span class=\"ff4\">Self-investment is monitored closely and is less than $1 million of Standard Chartered <span class=\"_ _7\"></span>equities and bonds for 2025 (31 December 2024: <span class=\"_ _7\"></span>&lt;$1 million). Self-investment </span></div><div class=\"t m0 hb ff4 fs7 fc3 sc0 ls53 ws5e gs7d2\">is<span class=\"_ gs1a2\"> </span>only allowed where it is not practical <span class=\"_ _7\"></span>to exclude it \u2013 for example through <span class=\"_ _7\"></span>investment in index-tracking funds where the <span class=\"_ _7\"></span>Group is a constituent of the relevant <span class=\"_ _7\"></span>index.<span class=\"_ _3eb\"> </span></div><div class=\"t m0 hb ff1 fs7 fc3 sc0 ls7 ws7 gs7d3\">2 <span class=\"_ _f\"> </span><span class=\"ff4\">Cash and equivalents includes the value of insurance contracts held in Korea <span class=\"_ _7\"></span>which invest only in short term money market <span class=\"_ _7\"></span>instruments.<span class=\"_ _3eb\"> </span></span></div><div class=\"gs7d4\"><table class=\"s wcce h290\" id=\"_02ef47a2-7af9-4dab-abb1-6edf7aa975e5\"><tr><td></td><td></td><td class=\"c n x183c y6a43 wccf h215\"><div class=\"t m0 x1ed h38 y6563 ff5 fs17 fc0 sc0 ls21 ws20\">At 31 December 2025<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td class=\"c n x183d y6a43 wcd0 h205\"><div class=\"t m0 x1ed h38 y6563 ff1 fs17 fc3 sc0 ls21 ws0\">At 31 December 2024<span class=\"_ _3eb\"> </span></div></td><td></td></tr><tr><td></td><td class=\"c n x183e y6a44 wcd1 h215\" colspan=\"2\"><div class=\"t m0 x1ed h38 y6563 ff5 fs17 fc0 sc0 ls21 ws20\">Funded plans<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x183f y6a44 wcd2 h215\"><div class=\"t m0 x1ed h38 y6563 ff5 fs17 fc0 sc0 ls21 ws20\">Unfunded Plans<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1840 y6a44 wcd3 h205\" colspan=\"2\"><div class=\"t m0 x1ed h38 y6563 ff1 fs17 fc3 sc0 ls21 ws0\">Funded plans<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1841 y6a44 wcd4 h205\"><div class=\"t m0 x1ed h38 y6563 ff1 fs17 fc3 sc0 ls21 ws0\">Unfunded Plans<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td></td><td class=\"t m0 x1050 h38 y6a45 ff5 fs17 fc0 sc0 ls21 ws20\">Overseas </td><td></td><td></td><td class=\"t m0 x1842 h39 y6a45 ff1 fs17 fc3 sc0 ls21 ws20\">Overseas<span class=\"_ _3eb\"> </span></td><td></td></tr><tr><td></td><td class=\"t m0 x1843 h38 y6a46 ff5 fs17 fc0 sc0 ls21 ws20\">UK Fund<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x104d h38 y6a46 ff5 fs17 fc0 sc0 ls21 ws20\">Plans<span class=\"_ _3eb\"> </span></td><td></td><td class=\"t m0 x2e8 h39 y6a46 ff1 fs17 fc3 sc0 ls21 ws0\">UK Fund<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x230 h39 y6a46 ff1 fs17 fc3 sc0 ls21 ws20\">Plans<span class=\"_ _3eb\"> </span></td><td></td></tr><tr><td></td><td class=\"t m0 x2f7 h38 y6a47 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"c n x13ed y6a48 w173 h204\"><div class=\"t m0 x1ed h38 y6563 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1844 y6a48 w173 h204\"><div class=\"t m0 x1ed h38 y6563 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x2fa h2c y6a47 ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"c n x1531 y6a49 w42b h204\"><div class=\"t m0 x1ed h2c y6696 ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1845 y6a49 wcd5 h204\"><div class=\"t m0 x1ed h2c y6696 ff4 fs17 fc3 sc0 ls21 ws20\">$million\ue004<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6a24 wcd6 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Total fair value of assets<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1846 y6a24 w352 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">1,201<span class=\"_ _3eb\"> </span></div></td><td class=\"c x1848 y6a24 wcd7 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">1,141</div><div class=\"t m0 x1847 h93 y6657 ff6 fs1b fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1429 y6a24 wc99 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">n/a<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1849 y6a24 w455 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">1,148<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x184a y6a24 wccd h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">1,076<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x184b y6a24 w8f1 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">n/a<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6a4a wcd8 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">Present value of liabilities<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x184c y6a4a wcd9 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(1,133)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x184d y6a4a wcda h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(1,170)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x184e y6a4a w25d h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(185)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x184f y6a4a wcdb h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(1,070)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1850 y6a4a wcdc h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(1,075)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1851 y6a4a wcdd h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(180)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6a4b wcde h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">Net pension plan asset/(obligation)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1852 y6a4b w27b h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">68<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1853 y6a4b w478 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(29)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1854 y6a4b w25d h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(185)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc11 y6a4b w3a1 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">78<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1855 y6a4b w41a h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1856 y6a4b wcdf h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(180)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x236 y68ad wce0 h218\"><div class=\"t m0 x1ed h1a y65f2 ff4 fs5 fc3 sc0 ls5 ws5\">Of which: Total pension assets in<span class=\"_ _3eb\"> </span></div><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">respect of plans in surplus<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1857 y68ad w27b h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">68<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1858 y68ad w27b h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">86<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb58 y68ad w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1859 y68ad w3a1 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">78<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x185a y68ad w7fd h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">73<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x185b y68ad w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x236 y6567 wce1 h218\"><div class=\"t m0 x1ed h1a y65f2 ff4 fs5 fc3 sc0 ls5 ws5\">Of which: Total pension obligations in<span class=\"_ _3eb\"> </span></div><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">respect of plans in deficit<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x185c y6567 w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x185d y6567 wce2 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(115)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x185e y6567 w25d h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(185)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x185f y6567 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1860 y6567 w3cd h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(72)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1861 y6567 wcdf h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(180)<span class=\"_ _3eb\"> </span></div></td></tr></table></div><div class=\"t m0 hb ff1 fs7 fc3 sc0 ls7 ws7 gs7d5\">1 <span class=\"_ _b\"> </span><span class=\"ff4\">Overseas plan assets include an asset ceiling in Kenya and legacy Zimbabwe arrangement, <span class=\"_ _7\"></span>resulting from a restriction on the recognition of <span class=\"_ _7\"></span>surplus.<span class=\"_ _3eb\"> </span></span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs7d6\">The pension cost for defined benefit <span class=\"_ _7\"></span>plans was:<span class=\"_ _3eb\"> </span></div><div class=\"gs7d7\"><table class=\"s w429 h291\" id=\"_c0a6758b-bbac-4676-85a6-d84aeac73a2f\"><tr><td></td><td></td><td class=\"c n x1862 y6a4c w306 h204\"><div class=\"t m0 x1ed h38 y6563 ff5 fs17 fc0 sc0 ls21 ws20\">2025<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td></td><td></td><td class=\"c n x1863 y6a4c w307 h205\"><div class=\"t m0 x1ed h38 y6563 ff1 fs17 fc3 sc0 ls21 ws20\">2024<span class=\"_ _3eb\"> </span></div></td><td></td></tr><tr><td></td><td></td><td class=\"t m0 xc27 h38 y6a4d ff5 fs17 fc0 sc0 ls21 ws20\">Funded plans<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td class=\"t m0 xc29 h39 y6a4d ff1 fs17 fc3 sc0 ls21 ws0\">Funded plans<span class=\"_ _3eb\"> </span></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"t m0 x2d9 h38 y6a4e ff5 fs17 fc0 sc0 ls21 ws20\">Overseas </td><td class=\"t m0 x13e9 h38 y6a4e ff5 fs17 fc0 sc0 ls21 ws20\">Unfunded </td><td></td><td></td><td class=\"t m0 x1864 h39 y6a4e ff1 fs17 fc3 sc0 ls21 ws20\">Overseas </td><td class=\"t m0 x1865 h39 y6a4e ff1 fs17 fc3 sc0 ls21 ws20\">Unfunded </td><td></td></tr><tr><td></td><td class=\"t m0 x14b0 h38 y6a4f ff5 fs17 fc0 sc0 ls21 ws20\">UK Fund<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x6c2 h38 y6a4f ff5 fs17 fc0 sc0 ls21 ws20\">plans<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x6c3 h38 y6a4f ff5 fs17 fc0 sc0 ls21 ws20\">plans </td><td class=\"t m0 x2f2 h38 y6a4f ff5 fs17 fc0 sc0 ls21 ws20\">Total<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x2fa h39 y6a4f ff1 fs17 fc3 sc0 ls21 ws0\">UK Fund<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xc2a h39 y6a4f ff1 fs17 fc3 sc0 ls21 ws20\">plans<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xc2b h39 y6a4f ff1 fs17 fc3 sc0 ls21 ws20\">plans </td><td class=\"t m0 x6cb h39 y6a4f ff1 fs17 fc3 sc0 ls21 ws20\">Total<span class=\"_ _3eb\"> </span></td></tr><tr><td></td><td class=\"t m0 x66f h38 y6a50 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x2cd h38 y6a50 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x670 h38 y6a50 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x671 h38 y6a50 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x6cc h2c y6a50 ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x673 h2c y6a50 ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x674 h2c y6a50 ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x234 h2c y6a50 ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c x1ee y6997 wce3 h231\"><div class=\"t m0 x1ed h3b y6600 ff1 fs5 fc3 sc0 ls5 ws0\">Current service cost</div><div class=\"t m0 x1866 h3c y667e ff1 fs1b fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcb0 y6998 w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1867 y6998 w38e h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">50<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1868 y6998 w4b0 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">6<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1869 y6998 waa1 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">56<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x186a y6998 w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x186b y6998 w699 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">44<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x186c y6998 w5e h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">8<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x186d y6998 w92 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">52<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y6a51 wce4 h231\"><div class=\"t m0 x1ed h3b y6600 ff1 fs5 fc3 sc0 ls5 ws0\">Past service cost and curtailments</div><div class=\"t m0 x186e h3c y667e ff1 fs1b fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcb0 y6999 w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x186f y6999 w8b8 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">67<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1870 y6999 w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1871 y6999 w8b8 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">67<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1872 y6999 w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1873 y6999 w4da h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1874 y6999 wac h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(1)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1875 y6999 w41a h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y6a52 wce5 h231\"><div class=\"t m0 x1ed h3b y6600 ff1 fs5 fc3 sc0 ls5 ws0\">Settlement cost</div><div class=\"t m0 x171d h3c y667e ff1 fs1b fc3 sc0 ls0 ws0\">3<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcb0 y68c3 w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1876 y68c3 w2f1 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1877 y68c3 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1878 y68c3 w38b h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1879 y68c3 w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x187a y68c3 w32 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls0 ws0\">3<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x187b y68c3 w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x187c y68c3 w32 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls0 ws0\">3<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6695 wce6 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Interest income on pension plan assets<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x187d y6695 w62 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(65)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x187e y6695 wce7 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(61)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x187f y6695 w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1880 y6695 w58a h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(126)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1881 y6695 wce8 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(56)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1882 y6695 wa6e h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(41)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1883 y6695 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1884 y6695 wab8 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(97)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y65f3 wce9 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">Interest on pension plan liabilities<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1885 y65f3 w8a2 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">60<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1886 y65f3 waa1 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">59<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1887 y65f3 w8a3 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">8<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1888 y65f3 waae h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">127<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1889 y65f3 w4dc h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">54<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x188a y65f3 w485 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">41<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x188b y65f3 w5e h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">8<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x188c y65f3 w26f h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">103<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y65f4 wcea h203\"><div class=\"t m0 x1ed h3d y655f ff5 fs5 fc3 sc0 ls5 ws5\">Total charge to profit before deduction of <span class=\"_ _7\"></span>tax<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x188d y65f4 wceb h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(5)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x188e y65f4 w47d h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">116<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x188f y65f4 w5b9 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">14<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1890 y65f4 we8 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">125<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1891 y65f4 w9a8 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(2)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1892 y65f4 wcec h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">49<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1893 y65f4 w4be h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">15<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x92f y65f4 w73 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">62<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y6a53 wced h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Losses/(gains) on plan assets</div><div class=\"t m0 x318 h3c y660d ff1 fs1b fc3 sc0 ls0 ws0\">4<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1894 y65f5 w8b5 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">18<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1895 y65f5 w2bd h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(36)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1896 y65f5 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1897 y65f5 w422 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(18)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1898 y65f5 w3a1 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">78<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1899 y65f5 w469 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(32)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x189a y65f5 w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x189b y65f5 w475 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">46<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y65f6 wcee h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">Losses/(gains) on liabilities<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x189c y65f6 wcef h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">10<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x189d y65f6 w8b5 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">18<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x189e y65f6 w38b h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x189f y65f6 w66 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">29<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18a0 y65f6 w35b h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(103)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18a1 y65f6 w44 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">6<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18a2 y65f6 wac h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(1)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18a3 y65f6 w1ce h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(98)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x235 h8 y6a54 ff5 fs5 fc3 sc0 ls5 ws5\">Total losses/(gains) recognised directly in statement </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y6577 wcf0 h203\"><div class=\"t m0 x1ed h3d y655f ff5 fs5 fc3 sc0 ls5 ws5\">of comprehensive income before tax<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18a4 y6577 w3a9 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">28<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18a5 y6577 w2b0 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(18)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18a6 y6577 w38b h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18a7 y6577 wcf1 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">11<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18a8 y6577 w3ac h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(25)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18a9 y6577 w4d7 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(26)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18aa y6577 wac h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(1)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18ab y6577 w3ac h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(52)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6566 wcf2 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Deferred taxation<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18ac y6566 w265 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(2)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18ad y6566 w265 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(2)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18ae y6566 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x716 y6566 w4ad h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(4)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18af y6566 w40 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls0 ws0\">5<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18b0 y6566 w957 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">7<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18b1 y6566 w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18b2 y6566 w11d h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">12<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6567 wcf3 h203\"><div class=\"t m0 x1ed h3d y655f ff5 fs5 fc3 sc0 ls5 ws5\">Total losses/(gains) after tax<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18b3 y6567 w66 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">26<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18b4 y6567 wcf4 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(20)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18b5 y6567 w4ac h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18b6 y6567 w1de h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">7<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x75b y6567 w8fa h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(20)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18b7 y6567 w46e h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(19)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18b8 y6567 wac h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(1)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18b9 y6567 wab7 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(40)<span class=\"_ _3eb\"> </span></div></td></tr></table></div><div class=\"t m0 hb ff1 fs7 fc3 sc0 ls7 ws7 gs7d8\">1 <span class=\"_ _b\"> </span><span class=\"ff4\">Includes administrative expenses paid out of plan assets of $1 million (31 December <span class=\"_ _7\"></span>2024: $1 million) and actuarial losses of $1 <span class=\"_ _7\"></span>million (31 December 2024: $1 million) </span></div><div class=\"t m0 hb ff4 fs7 fc3 sc0 ls7 ws7 gs7d9\">that are immediately recognised through P&amp;L in line <span class=\"_ _7\"></span>with the requirements of IAS 19.<span class=\"_ _3eb\"> </span></div><div class=\"t m0 hb ff1 fs7 fc3 sc0 ls7 ws7 gs7da\">2 <span class=\"_ _f\"> </span><span class=\"ff4\">Relates to provisional impact of regulatory change in India and RBAT court <span class=\"_ _7\"></span>ruling in Kenya.<span class=\"_ _3eb\"> </span></span></div><div class=\"t m0 hb ff1 fs7 fc3 sc0 ls7 ws7 gs7db\">3 <span class=\"_ _f\"> </span><span class=\"ff4\">Impact of settlements relates to termination benefits in Indonesia.<span class=\"_ _3eb\"> </span></span></div><div class=\"t m0 hb ff1 fs7 fc3 sc0 ls7 ws7 gs7dc\">4 <span class=\"_ _e\"> </span><span class=\"ff4\">The actual return on the UK Fund assets was a gain of <span class=\"_ _7\"></span>$47 million (31 December 2024: $22 million loss) <span class=\"_ _7\"></span>and on overseas plan assets was a gain <span class=\"_ _7\"></span>of $97 million </span></div><div class=\"t m0 hb ff4 fs7 fc3 sc0 ls7 ws7 gs7dd\">(31 December 2024: $73 million loss)<span class=\"_ _3eb\"> </span>.<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs7df\">Movement in the deficit during the <span class=\"_ _7\"></span>year comprises:<span class=\"_ _3eb\"> </span></div><div class=\"gs7e0\"><table class=\"s wcf5 h292\" id=\"_53b70d17-196e-4cb3-8fd5-c19b48048ee7\"><tr><td></td><td></td><td></td><td class=\"c n x18ba y6a55 w306 h215\"><div class=\"t m0 x1ed h38 y6563 ff5 fs17 fc0 sc0 ls21 ws20\">2025<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td></td><td class=\"c n x18bb y6a55 w307 h205\"><div class=\"t m0 x1ed h38 y6563 ff1 fs17 fc3 sc0 ls21 ws20\">2024<span class=\"_ _3eb\"> </span></div></td><td></td></tr><tr><td></td><td></td><td class=\"t m0 x1556 h38 y6a56 ff5 fs17 fc0 sc0 ls21 ws20\">Funded plans<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td class=\"t m0 xd31 h39 y6a56 ff1 fs17 fc3 sc0 ls21 ws0\">Funded plans<span class=\"_ _3eb\"> </span></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"t m0 x537 h38 y6a57 ff5 fs17 fc0 sc0 ls21 ws20\">Overseas </td><td class=\"t m0 x18bc h38 y6a58 ff5 fs17 fc0 sc0 ls21 ws20\">Unfunded </td><td></td><td></td><td class=\"t m0 x18bd h39 y6a57 ff1 fs17 fc3 sc0 ls21 ws20\">Overseas </td><td class=\"t m0 x18be h39 y6a58 ff1 fs17 fc3 sc0 ls21 ws20\">Unfunded </td><td></td></tr><tr><td></td><td class=\"t m0 x1552 h38 y6a59 ff5 fs17 fc0 sc0 ls21 ws20\">UK Fund<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x18bf h38 y6a59 ff5 fs17 fc0 sc0 ls21 ws20\">plans<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1557 h38 y6a5a ff5 fs17 fc0 sc0 ls21 ws20\">plans<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xf45 h38 y6a5a ff5 fs17 fc0 sc0 ls21 ws20\">Total<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1553 h39 y6a59 ff1 fs17 fc3 sc0 ls21 ws0\">UK Fund<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x10c3 h39 y6a59 ff1 fs17 fc3 sc0 ls21 ws20\">plans<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x9d0 h39 y6a5a ff1 fs17 fc3 sc0 ls21 ws20\">plans<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x60a h39 y6a5a ff1 fs17 fc3 sc0 ls21 ws20\">Total<span class=\"_ _3eb\"> </span></td></tr><tr><td></td><td class=\"t m0 x536 h38 y6a5b ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x530 h38 y6a5b ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x9cb h38 y6a5c ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x610 h38 y6a5c ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x611 h2c y6a5b ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x53b h2c y6a5b ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x18c0 h2c y6a5c ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1ec h2c y6a5c ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c n x1ee y655b wcf6 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff5 fs5 fc3 sc0 ls5 ws5\">Surplus/(Deficit)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18c1 y655b w8bf h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">78<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18c2 y655b w2f1 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18c3 y655b wcf7 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(180)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18c4 y655b wcf8 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(101)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18c5 y655b w38f h1fe\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">40<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18c6 y655b w2bf h1ff\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(17)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18c7 y655b w2ba h1ff\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(189)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x96b y655b w9a2 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(166)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y655c wcf9 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">Contributions<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18c8 y655c wcfa h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">7<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18c9 y655c w268 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">71<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18ca y655c w327 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">16<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18cb y655c w7be h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">94<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18cc y655c wcf h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">13<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18cd y655c w1f2 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">39<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18ce y655c w2b4 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">16<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18cf y655c wcfb h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">68<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y6a5d wcfc h25c\"><div class=\"t m0 x1ed h3b y6600 ff1 fs5 fc3 sc0 ls5 ws0\">Current service cost</div><div class=\"t m0 x18d0 h3c y667e ff1 fs1b fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8f4 y655d w2bc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18d1 y655d wc29 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(50)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18d2 y655d w8ba h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(6)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18d3 y655d wcfd h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(56)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18d4 y655d w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18d5 y655d w481 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(44)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18d6 y655d w75 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(8)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18d7 y655d w3ac h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(52)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y69cd wcfe h25c\"><div class=\"t m0 x1ed h3b y6600 ff1 fs5 fc3 sc0 ls5 ws0\">Past service cost and curtailments</div><div class=\"t m0 x18d8 h3c y667e ff1 fs1b fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8f4 y6573 w2bc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18d9 y6573 wcff h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(67)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18da y6573 w2bc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18db y6573 w8e3 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(67)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18dc y6573 w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18dd y6573 w4d3 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(2)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18de y6573 w41a h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18df y6573 wac h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(1)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6574 wd00 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Settlement costs and transfers impact<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18e0 y6574 w2bc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18e1 y6574 w298 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(1)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18e2 y6574 w2bc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18e3 y6574 wd01 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(1)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18e4 y6574 w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18e5 y6574 w38c h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(3)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18e6 y6574 w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18e7 y6574 w38c h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(3)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6646 wd02 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">Net interest on the net defined benefit <span class=\"_ _7\"></span>asset/liability<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18e8 y6646 w91 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">5<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18e9 y6646 w3f4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc73 y6646 w480 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(8)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18ea y6646 w471 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(1)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18eb y6646 w4da h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18ec y6646 w1cf h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18ed y6646 wd03 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(8)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18ee y6646 w4c8 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(6)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6561 wd04 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">Actuarial (losses)/gains<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18ef y6561 wa3 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(28)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18f0 y6561 w8b5 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">18<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18f1 y6561 w298 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(1)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18f2 y6561 wd05 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(11)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18f3 y6561 w92 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">25<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17ce y6561 w9ae h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">26<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18f4 y6561 w41a h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18f5 y6561 w8f h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">52<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6562 wd06 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Asset held for Sale<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18f6 y6562 w2bc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18f7 y6562 w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8fd y6562 w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18f8 y6562 w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18f9 y6562 w1cf h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18fa y6562 w1cf h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18fb y6562 w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10fc y6562 w1cf h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6610 wd07 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Other movement<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18fc y6610 w2bc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18fd y6610 w2bc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18fe y6610 w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18ff y6610 w1cf h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1900 y6610 w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1901 y6610 wac h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(1)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1902 y6610 w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1903 y6610 wac h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(1)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y69a8 wd08 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Asset ceiling</div><div class=\"t m0 x1904 h3c y65df ff1 fs1b fc3 sc0 ls0 ws0\">3<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8f4 y6577 w2bc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1905 y6577 w2ae h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(4)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1906 y6577 w2bc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1907 y6577 wd09 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(4)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1908 y6577 w1cf h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1909 y6577 w1cf h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x190a y6577 w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x190b y6577 w1cf h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6566 wd0a h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Exchange rate adjustment<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x190c y6566 w4b0 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">6<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x190d y6566 w2f1 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x190e y6566 w269 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(6)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x190f y6566 w38b h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1910 y6566 w9a8 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(2)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x718 y6566 w32 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls0 ws0\">3<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1911 y6566 w57 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">7<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1912 y6566 w5e h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">8<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6567 wcf6 h201\"><div class=\"t m0 x1ed h3d y6548 ff5 fs5 fc3 sc0 ls5 ws5\">Surplus/(Deficit)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1913 y6567 w27b h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">68<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1914 y6567 w478 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(29)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1915 y6567 w25d h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(185)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1916 y6567 w8ad h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(146)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1917 y6567 w3a1 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">78<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1918 y6567 w41a h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1919 y6567 wcdd h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(180)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x191a y6567 w81 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(101)<span class=\"_ _3eb\"> </span></div></td></tr></table></div><div class=\"t m0 hb ff1 fs7 fc3 sc0 ls7 ws7 gs7e1\">1 <span class=\"_ _b\"> </span><span class=\"ff4\">Includes administrative expenses paid out of plan assets of $1 million (31 December <span class=\"_ _7\"></span>2024: $1 million).<span class=\"_ _3eb\"> </span></span></div><div class=\"t m0 hb ff1 fs7 fc3 sc0 ls7 ws7 gs7e2\">2 <span class=\"_ _f\"> </span><span class=\"ff4\">Relates to provisional impact of regulatory change in India and RBAT court <span class=\"_ _7\"></span>ruling in Kenya.<span class=\"_ _3eb\"> </span></span></div><div class=\"t m0 hb ff1 fs7 fc3 sc0 ls7 ws7 gs7e3\">3 <span class=\"_ _f\"> </span><span class=\"ff4\">Overseas plans include an asset ceiling in Kenya and a legacy Zimbabwe arrangement, <span class=\"_ _7\"></span>resulting from a restriction on the recognition of <span class=\"_ _7\"></span>surplus.<span class=\"_ _3eb\"> </span></span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs7e4\">The Group\u2019s expected contribution to its <span class=\"_ _7\"></span>defined benefit pension plans in 2026 is <span class=\"_ _7\"></span>$83 million.<span class=\"_ _3eb\"> </span></div><div class=\"gs7e5\"><table class=\"s w46a h293\" id=\"_0418608c-305e-452e-a191-a4fce796d496\"><tr><td></td><td></td><td class=\"c n x113c y6a5e w306 h215\"><div class=\"t m0 x1ed h38 y6563 ff5 fs17 fc0 sc0 ls21 ws20\">2025<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td class=\"c n x113d y6a5e w46b h205\"><div class=\"t m0 x1ed h38 y6563 ff1 fs17 fc3 sc0 ls21 ws20\">2024<span class=\"_ _3eb\"> </span></div></td><td></td></tr><tr><td></td><td class=\"t m0 x191b h38 y6a5f ff5 fs17 fc0 sc0 ls21 ws20\">Assets<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x8b2 h38 y6a5f ff5 fs17 fc0 sc0 ls21 ws20\">Obligations<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x11c5 h38 y6a5f ff5 fs17 fc0 sc0 ls21 ws20\">Total<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1ea h39 y6a5f ff1 fs17 fc3 sc0 ls21 ws20\">Assets<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x10c3 h2c y6a5f ff4 fs17 fc3 sc0 ls21 ws20\">Obligations<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x60a h39 y6a5f ff1 fs17 fc3 sc0 ls21 ws20\">Total<span class=\"_ _3eb\"> </span></td></tr><tr><td></td><td class=\"t m0 x8f9 h38 y6a60 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x8bc h38 y6a60 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x404 h38 y6a60 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x405 h2c y6a60 ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x8fa h2c y6a60 ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1ec h2c y6a60 ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c n x1ee y6559 wa4e h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">At 1 January<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x191c y6559 w9e5 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">2,224<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x191d y6559 wd0b h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(2,325)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x191e y6559 wcf8 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(101)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x191f y6559 w62 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">2,119<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1920 y6559 wbf h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(2,285)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1921 y6559 wd0c h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(166)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y6a61 wd0d h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Contributions</div><div class=\"t m0 x1922 h3c y65df ff1 fs1b fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1923 y655a wd0e h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">104<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1924 y655a wd0f h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(10)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1925 y655a w7be h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">94<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1926 y655a wd10 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">69<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1927 y655a wac h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(1)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1928 y655a wcfb h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">68<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y6a62 wd11 h231\"><div class=\"t m0 x1ed h3b y6600 ff1 fs5 fc3 sc0 ls5 ws0\">Current service cost</div><div class=\"t m0 x18d0 h3c y667e ff1 fs1b fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1929 y655b w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x192a y655b w62 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(56)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x192b y655b wcfd h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(56)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x192c y655b w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x192d y655b w3ac h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(52)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x192e y655b w3ac h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(52)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y655c wd12 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Past service cost and curtailments<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x192f y655c w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1930 y655c w8e3 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(67)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11fa y655c w8e3 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(67)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1931 y655c w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1932 y655c wac h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(1)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1933 y655c wac h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(1)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y6a5d wd13 h231\"><div class=\"t m0 x1ed h3b y6600 ff1 fs5 fc3 sc0 ls5 ws0\">Settlement costs</div><div class=\"t m0 x1934 h3c y667e ff1 fs1b fc3 sc0 ls0 ws0\">3<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1929 y655d w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1935 y655d w471 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(1)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1936 y655d wd01 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(1)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1937 y655d w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1938 y655d w38c h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(3)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1939 y655d w38c h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(3)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6573 wd14 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">Interest cost on pension plan liabilities<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb8a y6573 w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x193a y6573 wd15 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(127)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x193b y6573 wd16 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(127)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10d2 y6573 w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x193c y6573 w35b h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(103)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x193d y6573 w35b h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(103)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y667a wce6 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Interest income on pension plan assets<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x193e y667a w9f h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">126<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x193f y667a w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1940 y667a w33b h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">126<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1941 y667a w2c0 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">97<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1942 y667a w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1943 y667a w2c0 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">97<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y6a63 wd17 h21c\"><div class=\"t m0 x1ed h3b y6600 ff1 fs5 fc3 sc0 ls5 ws0\">Benefits paid out</div><div class=\"t m0 xd66 h3c y6601 ff1 fs1b fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1944 y6646 w4ba h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(210)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1945 y6646 w999 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">210<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1946 y6646 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1947 y6646 w9a2 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(169)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1948 y6646 w4ce h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">169<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1949 y6646 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y6a64 wd18 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Actuarial gains/(losses)</div><div class=\"t m0 x194a h3c y660d ff1 fs1b fc3 sc0 ls0 ws0\">4<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x194b y6561 w8b5 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">18<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x194c y6561 w478 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(29)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x194d y6561 w8e h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(11)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x194e y6561 wd19 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(46)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x194f y6561 wcfb h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">98<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1950 y6561 w8f h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">52<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6562 wd1a h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Asset held for sale<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1951 y6562 w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1952 y6562 w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x12da y6562 w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1953 y6562 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1954 y6562 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1955 y6562 w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6610 wd07 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Other movement<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1956 y6610 w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1957 y6610 w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1958 y6610 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1959 y6610 wd1b h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">212<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x195a y6610 wacb h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(213)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x195b y6610 wac h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(1)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y69a8 wd1c h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Asset ceiling</div><div class=\"t m0 x1904 h3c y65df ff1 fs1b fc3 sc0 ls0 ws0\">5<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x195c y6577 w2ae h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(4)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x195d y6577 w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x195e y6577 w4ad h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(4)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x195f y6577 w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1960 y6577 w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1961 y6577 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6566 wd0a h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Exchange rate adjustment<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1962 y6566 w1f6 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">84<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1963 y6566 w9e3 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(83)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1964 y6566 w4ac h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1965 y6566 w408 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(58)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1966 y6566 w30f h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">66<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1967 y6566 w5e h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">8<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6567 wb26 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">At 31 December<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1968 y6567 wa5f h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">2,342<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17e1 y6567 wd1d h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(2,488)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1969 y6567 w8e8 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(146)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x196a y6567 wd1e h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">2,224<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x196b y6567 w3c6 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(2,325)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x196c y6567 wb0 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(101)<span class=\"_ _3eb\"> </span></div></td></tr></table></div><div class=\"t m0 hb ff1 fs7 fc3 sc0 ls7 ws7 gs7e6\">1 <span class=\"_ _b\"> </span><span class=\"ff4\">Includes employee contributions of $11 million (31 December 2024: $1 million).<span class=\"_ _3eb\"> </span></span></div><div class=\"t m0 hb ff1 fs7 fc3 sc0 ls7 ws7 gs7e7\">2 <span class=\"_ _f\"> </span><span class=\"ff4\">Includes administrative expenses paid out of plan assets of $1 million (31 <span class=\"_ _7\"></span>December 2024: $1 million).<span class=\"_ _3eb\"> </span></span></div><div class=\"t m0 hb ff1 fs7 fc3 sc0 ls7 ws7 gs7e8\">3 <span class=\"_ _f\"> </span><span class=\"ff4\">Impact of settlements relates to termination benefits in Indonesia.<span class=\"_ _3eb\"> </span></span></div><div class=\"t m0 hb ff1 fs7 fc3 sc0 ls7 ws7 gs7e9\">4 <span class=\"_ _e\"> </span><span class=\"ff4\">Actuarial loss on obligation comprises $11 million loss (31 December 2024: $127 <span class=\"_ _7\"></span>million gain) from financial assumption changes, $1 million <span class=\"_ _7\"></span>gain (31 December 2024: </span></div><div class=\"t m0 hb ff4 fs7 fc3 sc0 ls7 ws7 gs7ea\">$1 million gain) from demographic assumption changes and <span class=\"_ _7\"></span>$19 million loss (31 December 2024: $30 million <span class=\"_ _7\"></span>loss) from experience.<span class=\"_ _3eb\"> </span></div><div class=\"t m0 hb ff1 fs7 fc3 sc0 ls7 ws7 gs7eb\">5 <span class=\"_ _f\"> </span><span class=\"ff4\">Assets include a ceiling in Kenya and a legacy Zimbabwe <span class=\"_ _7\"></span>arrangement, resulting from a restriction on the recognition <span class=\"_ _7\"></span>of surplus.</span></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfEmployeeBenefitsExplanatory",
    "language": "en",
    "entity": "scheme:U4LOSYZ7YG4W3S5F2G91",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-724": {
   "value": "Accounting policy<span class=\"_ _3eb\"> </span>The Group operates pension and other post-retirement benefit plans around the world, which are categorised into defined contribution plans and defined benefit plans. For defined contribution plans, the Group <span class=\"_ _7\"></span>pays contributions to publicly or privately administered <span class=\"_ _7\"></span>pension plans on a statutory or contractual basis, and such <span class=\"_ _7\"></span>amounts are charged to operating expenses. The <span class=\"_ _7\"></span>Group has no further payment obligations once the contributions have been <span class=\"_ _7\"></span>paid.<span class=\"_ _3eb\"> </span>For defined benefit plans, which promise <span class=\"_ _7\"></span>levels of payments where the future cost <span class=\"_ _7\"></span>is not known with certainty: <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">The accounting obligation is calculated annually by independent actuaries using the projected <span class=\"_ _7\"></span>unit method.</span> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ls2\">Actuarial gains and losses that arise are recognised in shareholders\u2019 equity and presented in the statement of other<span class=\"_ _11\"></span> </span>comprehensive income in the period they <span class=\"_ _7\"></span>arise. <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">The Group determines the net interest expense on the net defined benefit <span class=\"_ _7\"></span>liability for the year by applying <span class=\"_ _7\"></span>the discount </span>rate used to measure the defined <span class=\"_ _7\"></span>benefit obligation at the beginning of the <span class=\"_ _7\"></span>annual period to the net defined <span class=\"_ _7\"></span>benefit liability, taking into account any changes <span class=\"_ _7\"></span>in the net defined benefit liability during <span class=\"_ _7\"></span>the year as a result of <span class=\"_ _7\"></span>contributions and<span class=\"_ gs36\"> </span>benefit payments. Net interest expense, the <span class=\"_ _7\"></span>cost of the accrual of new benefits, <span class=\"_ _7\"></span>benefit enhancements (or reductions) and administration expenses met directly from <span class=\"_ _7\"></span>plan assets are recognised in the income <span class=\"_ _7\"></span>statement in the period in which they were incurred.<span class=\"_ _3eb\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForEmployeeBenefitsExplanatory",
    "language": "en",
    "entity": "scheme:U4LOSYZ7YG4W3S5F2G91",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-650": {
   "value": "<div class=\"t m0 hf ff8 fsb fc2 sc0 lsb ws9 gs7ed\">31. Share-based payments<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h4 ff5 fs1 fc1 sc0 ls1 ws2 gs7ee\">Accounting policy<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs7ef\">The Group operates equity-settled and cash-settled <span class=\"_ _7\"></span>share-based compensation plans. The fair value of <span class=\"_ _7\"></span>the employee </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs7f0\">services (measured by the fair value <span class=\"_ _7\"></span>of the awards granted) received in exchange <span class=\"_ _7\"></span>for the grant of the shares <span class=\"_ _7\"></span>and awards </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs7f1\">is<span class=\"_ gs36\"> </span>recognised as an expense. For deferred <span class=\"_ _7\"></span>share awards granted as part of an <span class=\"_ _7\"></span>annual performance award, the expense </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs7f2\">is<span class=\"_ gs36\"> </span>recognised over the period from the <span class=\"_ _7\"></span>start of the performance period to the <span class=\"_ _7\"></span>vesting date. For example, the expense <span class=\"_ _7\"></span>for </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs7f3\">three-year awards granted in 2025 in <span class=\"_ _7\"></span>respect of 2024 performance, which vest in <span class=\"_ _7\"></span>2026-2028, is recognised as an expense </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs7f4\">over the period from 1 January <span class=\"_ _7\"></span>2024 to the vesting dates in 2026-2028. <span class=\"_ _7\"></span>For all other awards, the expense <span class=\"_ _7\"></span>is recognised over </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs7f5\">the period from the date of <span class=\"_ _7\"></span>grant to the vesting date.<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h9 ff1 fs2 fc3 sc0 ls2 ws0 gs7f6\">For equity-settled awards, the total amount to be expensed over the vesting period is determined by reference to the fair </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs7f7\">value of the shares and awards <span class=\"_ _7\"></span>at the date of grant, which excludes <span class=\"_ _7\"></span>the impact of any non-market vesting <span class=\"_ _7\"></span>conditions </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs7f8\">(for<span class=\"_ gs36\"> </span>example, profitability and growth targets). The <span class=\"_ _7\"></span>fair value of equity instruments granted is <span class=\"_ _7\"></span>based on market prices, </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs7f9\">if<span class=\"_ gs36\"> </span>available, at the date of grant. <span class=\"_ _7\"></span>In the absence of market prices, the <span class=\"_ _7\"></span>fair value of the instruments is <span class=\"_ _7\"></span>estimated using an </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs7fa\">appropriate valuation technique, such as a <span class=\"_ _7\"></span>binomial option pricing model. Non-market vesting conditions <span class=\"_ _7\"></span>are included </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs7fb\">in<span class=\"_ gs36\"> </span>assumptions for the number of shares <span class=\"_ _7\"></span>and awards that are expected to vest.<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs7fc\">At each balance sheet date, the <span class=\"_ _7\"></span>Group revises its estimates of the number <span class=\"_ _7\"></span>of shares and awards that are <span class=\"_ _7\"></span>expected to vest. </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs7fd\">It<span class=\"_ gs36\"> </span>recognises the impact of the revision <span class=\"_ _7\"></span>of original estimates, if any, in the <span class=\"_ _7\"></span>income statement and a corresponding adjustment </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs7fe\">to equity over the remaining vesting <span class=\"_ _7\"></span>period. Forfeitures prior to vesting attributable to <span class=\"_ _7\"></span>factors other than the failure to <span class=\"_ _7\"></span>satisfy </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs7ff\">service conditions and non-market vesting conditions <span class=\"_ _7\"></span>are treated as a cancellation and the <span class=\"_ _7\"></span>remaining unamortised charge </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs800\">is<span class=\"_ gs36\"> </span>debited to the income statement at <span class=\"_ _7\"></span>the time of cancellation. The proceeds received <span class=\"_ _7\"></span>net of any directly attributable </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs801\">transaction costs are credited to share <span class=\"_ _7\"></span>capital (nominal value) and share premium when <span class=\"_ _7\"></span>awards in the form of options </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs802\">are<span class=\"_ gs36\"> </span>exercised. </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs803\">Cash-settled awards are revalued at each <span class=\"_ _7\"></span>balance sheet date and a liability recognised <span class=\"_ _7\"></span>on the balance sheet for all </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs804\">unpaid<span class=\"_ gs36\"> </span>amounts, with any changes in fair <span class=\"_ _7\"></span>value charged or credited to staff costs <span class=\"_ _7\"></span>in the income statement until the <span class=\"_ _7\"></span>awards </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs805\">are exercised. Where forfeitures occur prior <span class=\"_ _7\"></span>to vesting that are attributable to factors <span class=\"_ _7\"></span>other than a failure to satisfy <span class=\"_ _7\"></span>service </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs806\">conditions or market-based performance conditions, the <span class=\"_ _7\"></span>cumulative charge incurred up to the date <span class=\"_ _7\"></span>of forfeiture is credited </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs807\">to<span class=\"_ gs36\"> </span>the income statement.<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h4 ff5 fs1 fc1 sc0 ls1 ws2 gs808\">Other accounting <span class=\"_ _7\"></span>estimates and <span class=\"_ _7\"></span>judgements<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs809\">Share-based payments involve judgement and estimation <span class=\"_ _7\"></span>uncertainty exists when determining the expenses and <span class=\"_ _7\"></span>carrying </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs80a\">values of share awards at the <span class=\"_ _7\"></span>balance sheet date.</div><div class=\"t m0 h5 ff1 fs2 fc3 sc0 ls0 ws0 gs80b\"> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">LTIP awards are determined using an estimation of the probability of meeting <span class=\"_ _7\"></span>certain metrics over a three-year </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs80c\">performance period using the Monte Carlo <span class=\"_ _7\"></span>simulation model.</div><div class=\"t m0 h5 ff1 fs2 fc3 sc0 ls0 ws0 gs80d\"> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">Deferred shares are determined using an estimation of expected dividends.</span></div><div class=\"t m0 h5 ff1 fs2 fc3 sc0 ls0 ws0 gs80e\"> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">Sharesave Plan valuations are determined using a binomial option-pricing model<span class=\"_ _3eb\"> </span></span><span class=\"ff4 ls2 ws1\">.<span class=\"_ _3eb\"> </span></span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs80f\">The Group operates a number of <span class=\"_ _7\"></span>share-based arrangements for its executive directors and <span class=\"_ _7\"></span>employees. Details of the </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs810\">share-based payment charge are set out <span class=\"_ _7\"></span>below.<span class=\"_ _3eb\"> </span></div><div class=\"gs811\"><table class=\"s wd1f h294\" id=\"_8e6f23cc-4b33-40e1-a459-bb0f21a36e90\"><tr><td></td><td></td><td class=\"c n x196d y6a65 w834 h204\"><div class=\"t m0 x1ed h38 y6563 ff5 fs17 fc0 sc0 ls21 ws20\">2025\u00b9<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td class=\"c x196f y6a65 wd20 h295\"><div class=\"t m0 x1ed h38 y6563 ff1 fs17 fc3 sc0 ls21 ws20\">2024</div><div class=\"t m0 x196e h3a y65fd ff1 fs19 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td></td></tr><tr><td></td><td class=\"t m0 x1970 h38 y6a66 ff5 fs17 fc0 sc0 ls21 ws20\">Cash </td><td class=\"t m0 x2f0 h38 y6a66 ff5 fs17 fc0 sc0 ls21 ws20\">Equity </td><td class=\"t m0 x86e h38 y6a66 ff5 fs17 fc0 sc0 ls21 ws20\">Total<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x6be h39 y6a66 ff1 fs17 fc3 sc0 ls21 ws20\">Cash </td><td class=\"t m0 x2e2 h39 y6a66 ff1 fs17 fc3 sc0 ls21 ws20\">Equity </td><td class=\"t m0 x6cb h39 y6a66 ff1 fs17 fc3 sc0 ls21 ws20\">Total<span class=\"_ _3eb\"> </span></td></tr><tr><td></td><td class=\"t m0 x2f7 h38 y6a67 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x2c9 h38 y6a67 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x4be h38 y6a67 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x2fa h2c y6a67 ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x233 h2c y6a67 ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x234 h2c y6a67 ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c n x1ee y6577 wd21 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Deferred share awards<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1971 y6577 wd22 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">81<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1972 y6577 wb52 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">206<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1973 y6577 wd23 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">287<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1974 y6577 wc2 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">31<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1285 y6577 w1e9 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">160<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1975 y6577 w62d h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">191<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6566 wd24 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Other share awards<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1976 y6566 wa84 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">80<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1977 y6566 w1e6 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">32<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1978 y6566 wd25 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">112<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1979 y6566 w1c3 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">34<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x197a y6566 w1e9 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">109<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x197b y6566 w62f h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">143<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y6963 wd26 h21c\"><div class=\"t m0 x1ed h3b y6600 ff1 fs5 fc3 sc0 ls5 ws0\">Total share-based payments</div><div class=\"t m0 x3a7 h3c y6601 ff1 fs1b fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x197c y6567 w47d h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">161<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x197d y6567 wd27 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">238<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x197e y6567 w48c h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">399<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x197f y6567 w1e6 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">65<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1980 y6567 w11b h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">269<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1981 y6567 w2bf h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">334<span class=\"_ _3eb\"> </span></div></td></tr></table></div><div class=\"t m0 hb ff1 fs7 fc3 sc0 ls7 ws7 gs812\">1 <span class=\"_ _b\"> </span><span class=\"ff4\">No forfeiture assumed.<span class=\"_ _3eb\"> </span></span></div><div class=\"t m0 hb ff1 fs7 fc3 sc0 ls7 ws7 gs813\">2 <span class=\"_ _f\"> </span><span class=\"ff4\">The total share-based payments charge during the year includes costs relating to <span class=\"_ _7\"></span>Business ventures. Business ventures are established as separate <span class=\"_ _7\"></span>legal entities </span></div><div class=\"t m0 hb ff4 fs7 fc3 sc0 ls7 ws7 gs814\">with their own employee share ownership plans (ESOP) <span class=\"_ _7\"></span>to attract and incentivise talent. ESOPs have been <span class=\"_ _7\"></span>set up with share-based payment charges recorded </div><div class=\"t m0 hb ff4 fs7 fc3 sc0 ls7 ws7 gs815\">in<span class=\"_ gs1a2\"> </span>2025 with $2 million (2024: $2 million) in <span class=\"_ _7\"></span>cash settled and $11 million (2024: $14 million) <span class=\"_ _7\"></span>equity settled deferred awards spread across 18 entities.<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h9 ff1 fs2 fc3 sc0 ls2 ws0 gs816\">The Group determines both the grant and settlement date for all schemes, and no option to determine grant or settlement </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs817\">date is available to employees.<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs818\">No other principal subsidiaries have separate <span class=\"_ _7\"></span>share schemes.<span class=\"_ _3eb\"> </span></div><div class=\"t m0 hc ff7 fs8 fc2 sc0 ls8 wsb gs81a\">Discretionary share plans<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs81b\">The 2021 Standard Chartered Share Plan <span class=\"_ _7\"></span>(the \u20182021 Plan\u2019) was approved by shareholders <span class=\"_ _7\"></span>in May 2021 and is the <span class=\"_ _7\"></span>Group\u2019s </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs81c\">main<span class=\"_ gs36\"> </span>share plan, replacing the 2011 Standard <span class=\"_ _7\"></span>Chartered Share Plan (the \u20182011 Plan\u2019) for <span class=\"_ _7\"></span>new awards from June 2021. It <span class=\"_ _7\"></span>is used </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs81d\">to<span class=\"_ gs36\"> </span>deliver<span class=\"_ gs36\"> </span>various types of share awards to <span class=\"_ _7\"></span>employees and former employees of the Group, <span class=\"_ _7\"></span>including directors and former </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs81e\">executive<span class=\"_ gs36\"> </span>directors:<span class=\"_ _3eb\"> </span></div><div class=\"gs81f\"><table class=\"s wd28 h296\" id=\"_275ae056-4533-4b43-bb26-5728a5181b4c\"><tr><td class=\"c n x1ee y6a68 wd29 h23e\"><div class=\"t m0 x1ed h4 y66c8 ff5 fs1 fc1 sc0 ls1 ws2\">Award type<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1982 y6a68 wd2a h23e\"><div class=\"t m0 x1ed h4 y66c8 ff5 fs1 fc1 sc0 ls1 ws2\">Description and performance measures<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n x1983 y6a68 wd2b h23e\"><div class=\"t m0 x1ed h4 y66c8 ff5 fs1 fc1 sc0 ls1 ws2\">Valuation<span class=\"_ _3eb\"> </span></div></td><td></td></tr><tr><td class=\"t m0 x221 h20 y6a69 ff6 fs2 fc3 sc0 ls2 ws0\">Long Term Incentive </td><td class=\"t m0 x1984 h9 y6a69 ff1 fs2 fc3 sc0 ls2 ws0\">The vesting of awards granted in 2025, 2024 </td><td></td><td class=\"t m0 x1985 h9 y6a69 ff1 fs2 fc3 sc0 ls2 ws0\">The fair value of the relative TSR component </td><td></td></tr><tr><td class=\"t m0 x221 h20 y6a6a ff7 fs2 fc3 sc0 ls2 ws1\">Plan<span class=\"_ gs36e\"> </span>(LTIP) awards<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1984 h5 y6a6a ff4 fs2 fc3 sc0 ls2 ws1\">and<span class=\"_ gs36\"> </span>2023 are subject to the following </td><td></td><td class=\"t m0 x1985 h5 y6a6a ff4 fs2 fc3 sc0 ls2 ws1\">is<span class=\"_ gs36\"> </span>calculated using the probability of meeting </td><td></td></tr><tr><td></td><td class=\"t m0 x1984 h5 y6a6b ff4 fs2 fc3 sc0 ls2 ws1\">performance<span class=\"_ gs36\"> </span>measures: </td><td></td><td class=\"t m0 x1985 h9 y6a6b ff1 fs2 fc3 sc0 ls2 ws0\">the measures over a three-year performance </td><td></td></tr><tr><td></td><td class=\"c n x1986 y6a6c w51e h203\"><div class=\"t m0 x1ed h5 y66b5 ff1 fs2 fc3 sc0 ls0 ws0\">\u2022</div></td><td class=\"c n x1987 y6a6c wd2c h239\"><div class=\"t m0 x1ed h5 y66b5 ff4 fs2 fc3 sc0 ls2 ws1\">relative total shareholder return (TSR);<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x1985 h5 y6a6d ff4 fs2 fc3 sc0 ls2 ws1\">period, using a Monte Carlo simulation <span class=\"_ _7\"></span>model. </td><td></td></tr><tr><td></td><td class=\"c n x1986 y6a6e w51e h203\"><div class=\"t m0 x1ed h5 y66b5 ff1 fs2 fc3 sc0 ls0 ws0\">\u2022</div></td><td class=\"c n x1987 y6a6e wd2d h239\"><div class=\"t m0 x1ed h5 y66b5 ff4 fs2 fc3 sc0 ls2 ws1\">return on tangible equity (RoTE) (with a Common</div></td><td class=\"t m0 x1985 h5 y6a6f ff4 fs2 fc3 sc0 ls2 ws1\">The value of the remaining components <span class=\"_ _7\"></span>is </td><td></td></tr><tr><td></td><td class=\"t m0 x1988 h5 y6a70 ff4 fs2 fc3 sc0 ls2 ws1\" colspan=\"2\">Equity Tier 1 (CET1) underpin); and </td><td class=\"t m0 x1985 h9 y6a71 ff1 fs2 fc3 sc0 ls2 ws0\">based on the expected performance against </td><td></td></tr><tr><td></td><td class=\"c n x1986 y6a72 w51e h203\"><div class=\"t m0 x1ed h5 y66b5 ff1 fs2 fc3 sc0 ls0 ws0\">\u2022</div></td><td class=\"c n x1987 y6a72 wd2e h239\"><div class=\"t m0 x1ed h5 y66b5 ff4 fs2 fc3 sc0 ls2 ws1\">strategic measures (including targets set for<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x1985 h9 y6a73 ff1 fs2 fc3 sc0 ls2 ws0\">the RoTE and strategic measures in the </td><td></td></tr><tr><td></td><td class=\"t m0 x1988 h5 y6a74 ff4 fs2 fc3 sc0 ls2 ws1\" colspan=\"2\">sustainability linked to business strategy).<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1985 h9 y6a75 ff1 fs2 fc3 sc0 ls2 ws0\">scorecard and the resulting estimated number </td><td></td></tr><tr><td></td><td></td><td></td><td class=\"t m0 x1985 h9 y6a76 ff1 fs2 fc3 sc0 ls2 ws0\">of shares expected to vest at each reporting </td><td></td></tr><tr><td></td><td class=\"t m0 x1984 h9 y6a77 ff1 fs2 fc3 sc0 ls2 ws0\" colspan=\"2\">Each measure is assessed independently over a </td><td class=\"t m0 x1985 h5 y6a78 ff4 fs2 fc3 sc0 ls2 ws1\">date. These combined values are used <span class=\"_ _7\"></span>to </td><td></td></tr><tr><td></td><td class=\"t m0 x1984 h5 y6a79 ff4 fs2 fc3 sc0 ls2 ws1\" colspan=\"2\">three-year period. LTIP awards have an <span class=\"_ _7\"></span>individual </td><td class=\"t m0 x1985 h5 y6a7a ff4 fs2 fc3 sc0 ls2 ws1\">determine the accounting charge. </td><td></td></tr><tr><td></td><td class=\"t m0 x1984 h9 y6a7b ff1 fs2 fc3 sc0 ls2 ws0\" colspan=\"2\">conduct gateway requirement that results in the </td><td></td><td></td></tr><tr><td></td><td class=\"t m0 x1984 h5 y6a7c ff4 fs2 fc3 sc0 ls2 ws1\" colspan=\"2\">award lapsing if not met. </td><td class=\"t m0 x1985 h5 y6a7d ff4 fs2 fc3 sc0 ls2 ws1\">No dividend equivalents accrue for the <span class=\"_ _7\"></span>LTIP </td><td></td></tr><tr><td></td><td></td><td></td><td class=\"c n x1989 y6a7e wd2f h201\" colspan=\"2\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls2 ws0\">awards made in 2025, 2024, 2023</div></td><td class=\"c n x198a y6a7e wd30 h201\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls2 ws0\">or 2022<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td class=\"t m0 x1984 h9 y6a7f ff1 fs2 fc3 sc0 ls2 ws0\" colspan=\"2\">Vested awards are delivered in ordinary Standard </td><td class=\"t m0 x1985 h5 y6a80 ff4 fs2 fc3 sc0 ls2 ws1\" colspan=\"2\">and<span class=\"_ gs36\"> </span>the fair value takes this into <span class=\"_ _7\"></span>account, </td></tr><tr><td></td><td class=\"t m0 x1984 h5 y6a81 ff4 fs2 fc3 sc0 ls2 ws1\" colspan=\"2\">Chartered PLC shares.<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1985 h9 y6a82 ff1 fs2 fc3 sc0 ls2 ws0\" colspan=\"2\">calculated by reference to market consensus </td></tr><tr><td></td><td></td><td></td><td class=\"t m0 x1985 h5 y6a83 ff4 fs2 fc3 sc0 ls2 ws1\" colspan=\"2\">dividend yield.<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c n x1ee y6a84 wd31 h28a\"><div class=\"t m0 x1ed h20 y6a09 ff6 fs2 fc3 sc0 ls2 ws0\">Deferred shares<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x198b y6a84 wd32 h28a\"><div class=\"t m0 x1ed h20 y6a09 ff4 fs2 fc3 sc0 ls2 ws1\">Used to deliver:<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"t m0 x1985 h9 y6a85 ff1 fs2 fc3 sc0 ls2 ws0\" colspan=\"2\">The fair value for deferred shares, which </td></tr><tr><td></td><td class=\"c n x1986 y6a86 w51e h203\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls0 ws0\">\u2022</div></td><td class=\"c n x1987 y6a86 wd33 h203\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls2 ws0\">the deferred portion of year-end variable<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x1985 h5 y6a87 ff4 fs2 fc3 sc0 ls2 ws1\" colspan=\"2\">are<span class=\"_ gs36\"> </span>granted to employees who are not </td></tr><tr><td></td><td class=\"t m0 x1988 h9 y6a88 ff1 fs2 fc3 sc0 ls2 ws0\" colspan=\"2\">remuneration, in line with both market practice </td><td class=\"t m0 x1985 h9 y6a89 ff1 fs2 fc3 sc0 ls2 ws0\" colspan=\"2\">categorised as material risk takers, is based </td></tr><tr><td></td><td class=\"t m0 x1988 h5 y6a8a ff4 fs2 fc3 sc0 ls2 ws1\" colspan=\"2\">and regulatory requirements. These awards vest </td><td class=\"t m0 x1985 h5 y6a8b ff4 fs2 fc3 sc0 ls2 ws1\">on<span class=\"_ gs36\"> </span>100 per cent of the face <span class=\"_ _7\"></span>value of the shares </td><td class=\"t m0 x1985 h9 y6a8c ff1 fs2 fc3 sc0 ls2 ws0\">at the date of grant as the share price will </td></tr><tr><td></td><td class=\"t m0 x1988 h5 y6a8d ff4 fs2 fc3 sc0 ls2 ws1\" colspan=\"2\">in<span class=\"_ gs36\"> </span>instalments on anniversaries of the award <span class=\"_ _7\"></span>date </td><td class=\"t m0 x1985 h5 y6a8e ff4 fs2 fc3 sc0 ls2 ws1\" colspan=\"2\">reflect expectations of all future dividends. </td></tr><tr><td></td><td class=\"t m0 x1988 h5 y6a8f ff4 fs2 fc3 sc0 ls2 ws1\" colspan=\"2\">specified at the time of grant. <span class=\"_ _7\"></span>This<span class=\"_ gs36\"> </span>enables the </td><td></td><td></td></tr><tr><td></td><td class=\"t m0 x1988 h9 y6a90 ff1 fs2 fc3 sc0 ls2 ws0\" colspan=\"2\">Group to meet regulatory requirements relating to </td><td class=\"t m0 x1985 h9 y6a90 ff1 fs2 fc3 sc0 ls2 ws0\" colspan=\"2\">For awards granted to material risk takers </td></tr><tr><td></td><td class=\"t m0 x1988 h5 y6a91 ff4 fs2 fc3 sc0 ls2 ws1\" colspan=\"2\">deferral levels, and is in line <span class=\"_ _7\"></span>with market practice.<span class=\"_ _3eb\"> </span></td><td class=\"c n x1989 y6a92 wd34 h239\"><div class=\"t m0 x1ed h5 y66b5 ff4 fs2 fc3 sc0 ls2 ws1\">in<span class=\"_ gs36\"> </span>2025,</div></td><td class=\"c n x198c y6a92 wd35 h239\"><div class=\"t m0 x1ed h5 y66b5 ff4 fs2 fc3 sc0 ls2 ws1\">the fair value of awards <span class=\"_ _7\"></span>takes into<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td class=\"c n x1986 y6a93 w51e h203\"><div class=\"t m0 x1ed h5 y66b5 ff1 fs2 fc3 sc0 ls0 ws0\">\u2022</div></td><td class=\"c n x1987 y6a93 wd36 h239\"><div class=\"t m0 x1ed h5 y66b5 ff4 fs2 fc3 sc0 ls2 ws1\">replacement buy-out awards to new joiners who</div></td><td class=\"t m0 x1985 h5 y6a94 ff4 fs2 fc3 sc0 ls2 ws1\">account the lack of dividend equivalents, </td><td></td></tr><tr><td></td><td class=\"t m0 x1988 h5 y6a95 ff4 fs2 fc3 sc0 ls2 ws1\" colspan=\"2\">forfeit awards on leaving their previous <span class=\"_ _7\"></span>employers. </td><td class=\"t m0 x1985 h9 y6a96 ff1 fs2 fc3 sc0 ls2 ws0\">calculated by reference to market consensus </td><td></td></tr><tr><td></td><td class=\"t m0 x1988 h9 y6a97 ff1 fs2 fc3 sc0 ls2 ws0\" colspan=\"2\">These vest in the quarter most closely following </td><td class=\"t m0 x1985 h5 y6a98 ff4 fs2 fc3 sc0 ls2 ws1\">dividend yield. </td><td></td></tr><tr><td></td><td class=\"t m0 x1988 h9 y6a99 ff1 fs2 fc3 sc0 ls2 ws0\" colspan=\"2\">the date when the award would have vested at </td><td></td><td></td></tr><tr><td></td><td class=\"t m0 x1988 h5 y6a9a ff4 fs2 fc3 sc0 ls2 ws1\" colspan=\"2\">the previous employer. This enables the <span class=\"_ _7\"></span>Group to </td><td></td><td></td></tr><tr><td></td><td class=\"t m0 x1988 h9 y6a9b ff1 fs2 fc3 sc0 ls2 ws0\" colspan=\"2\">meet regulatory requirements relating to buy-outs, </td><td></td><td></td></tr><tr><td></td><td class=\"t m0 x1988 h5 y6a9c ff4 fs2 fc3 sc0 ls2 ws1\" colspan=\"2\">and is in line<span class=\"_ gs36\"> </span>with market practice. </td><td></td><td></td></tr><tr><td></td><td class=\"t m0 x1984 h9 y6a9d ff1 fs2 fc3 sc0 ls2 ws0\">Deferred share awards are not subject to any </td><td></td><td></td><td></td></tr><tr><td></td><td class=\"t m0 x1984 h5 y6a9e ff4 fs2 fc3 sc0 ls2 ws1\">performance measures.<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"t m0 x1984 h9 y6a9f ff1 fs2 fc3 sc0 ls2 ws0\">Vested awards are delivered in ordinary Standard </td><td></td><td></td><td></td></tr><tr><td></td><td class=\"t m0 x1984 h5 y6aa0 ff4 fs2 fc3 sc0 ls2 ws1\">Chartered PLC shares.<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td></tr></table></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs820\">The remaining life of the 2021 <span class=\"_ _7\"></span>Standard Chartered Share Plan during which new <span class=\"_ _7\"></span>awards can be made is six <span class=\"_ _7\"></span>years.<span class=\"_ _3eb\"> </span></div><div class=\"t m0 hc ff7 fs8 fc2 sc0 ls8 wsb gs821\">LTIP awards</div><div class=\"gs822\"><table class=\"s wd37 h297\" id=\"_a3a70aa0-aa0d-4912-af62-3ef4ae5b2388\"><tr><td></td><td class=\"c n x1ee y6aa1 wd38 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\"><span class=\"_ gs1a1\"> </span><span class=\"_ _3b1\"> </span><span class=\"ff5 fs17 fc0 ls21 ws20\">2025<span class=\"_ _3eb\"> </span></span></div></td><td class=\"c n x198d y6aa3 w307 h205\"><div class=\"t m0 x1ed h1a y6aa2 ff1 fs17 fc3 sc0 ls21 ws20\">2024<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6646 wd39 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Grant date<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x198e y6646 wd3a h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">12-May<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x198f y6646 wd3b h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">12-March<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6561 wd3c h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">Share price at grant date (\u00a3)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1990 y6561 wd3d h203\"><div class=\"t m0 x1ed h3d y655f ff7 fs5 fc3 sc0 ls5 ws5\">11.70<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1991 y6561 wd3e h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">6.60<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6562 wd3f h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">Vesting period (years)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1992 y6562 wd40 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">3-7<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1993 y6562 w63f h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">3\u20137<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6610 wd41 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">Expected dividend yield (%)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1994 y6610 w68c h203\"><div class=\"t m0 x1ed h3d y655f ff7 fs5 fc3 sc0 ls5 ws5\">3.5<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1995 y6610 wd42 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">4.2<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6577 wd43 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">Fair value (RoTE) (\u00a3)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1996 y6577 wd44 h203\"><div class=\"t m0 x1ed h3d y655f ff7 fs5 fc3 sc0 ls5 ws5\">2.86, 2.96, 3.06<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1997 y6577 wd45 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">1.55, 1.61, 1.68<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6566 wd46 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">Fair value (TSR) (\u00a3)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1998 y6566 wd47 h203\"><div class=\"t m0 x1ed h3d y655f ff7 fs5 fc3 sc0 ls5 ws5\">1.97, 2.04, 2.10</div></td><td class=\"c n x1999 y6566 wd48 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">0.95, 1.01, 1.06<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6567 wcd6 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">Fair value (Strategic) (\u00a3)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x199a y6567 wd49 h203\"><div class=\"t m0 x1ed h3d y655f ff7 fs5 fc3 sc0 ls5 ws5\">3.81, 3.94, 4.08</div></td><td class=\"c n x199b y6567 wd4a h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">2.06, 2.15, 2.24<span class=\"_ _3eb\"> </span></div></td></tr></table></div>Deferred shares \u2013 year-end<span class=\"_ _3eb\"> </span><table class=\"s wd4b h298\" id=\"_5a0a569a-edee-4d68-941e-ee75c4ffe555\"><tr><td></td><td></td><td></td><td></td><td class=\"t m0 x667 h38 y6aa4 ff5 fs17 fc0 sc0 ls21 ws20\">2025<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y6aa5 wd4c h1ff\"><div class=\"t m0 x1ed h8 y68e4 ff5 fs5 fc3 sc0 ls5 ws5\">Grant date<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x199c y6aa6 wd4d h215\"><div class=\"t m0 x1ed h8 y65c7 ff5 fs17 fc3 sc0 ls21 ws20\">17-Nov<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n x199d y6aa6 wd4e h215\"><div class=\"t m0 x1ed h8 y65c7 ff5 fs17 fc3 sc0 ls21 ws20\">24-Sep<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n x199e y6aa6 wa3e h215\"><div class=\"t m0 x1ed h8 y65c7 ff5 fs17 fc3 sc0 ls21 ws20\">12-May<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n x199f y6aa6 wd4f h215\"><div class=\"t m0 x1ed h8 y65c7 ff5 fs17 fc3 sc0 ls21 ws20\">14-Mar<span class=\"_ _3eb\"> </span></div></td><td></td></tr><tr><td class=\"c n x1ee y6aa7 wd3c h1ff\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">Share price at grant date (\u00a3)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x19a0 y6aa7 wd50 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff7 fs5 fc3 sc0 ls5 ws5\">16.13<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n x19a1 y6aa7 w591 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff7 fs5 fc3 sc0 ls5 ws5\">14.55<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n x18f8 y6aa7 wd51 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff7 fs5 fc3 sc0 ls5 ws5\">11.7<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n x19a2 y6aa7 wd52 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff7 fs5 fc3 sc0 ls5 ws5\">11.77<span class=\"_ _3eb\"> </span></div></td><td></td></tr><tr><td></td><td class=\"t m0 x2dd h38 y6aa8 ff5 fs17 fc0 sc0 ls21 ws20\">Expected </td><td></td><td class=\"t m0 x2e5 h38 y6aa8 ff5 fs17 fc0 sc0 ls21 ws20\">Expected </td><td></td><td class=\"t m0 x14b6 h38 y6aa8 ff5 fs17 fc0 sc0 ls21 ws20\">Expected </td><td></td><td class=\"t m0 x19a3 h38 y6aa8 ff5 fs17 fc0 sc0 ls21 ws20\">Expected </td><td></td></tr><tr><td></td><td class=\"t m0 x19a4 h38 y6aa9 ff5 fs17 fc0 sc0 ls21 ws20\">dividend yield </td><td class=\"t m0 x19a5 h38 y6aa9 ff5 fs17 fc0 sc0 ls21 ws20\">Fair value </td><td class=\"t m0 x19a6 h38 y6aa9 ff5 fs17 fc0 sc0 ls21 ws20\">dividend yield </td><td class=\"t m0 x19a7 h38 y6aa9 ff5 fs17 fc0 sc0 ls21 ws20\">Fair value<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x19a8 h38 y6aa9 ff5 fs17 fc0 sc0 ls21 ws20\">dividend yield </td><td class=\"t m0 xc29 h38 y6aa9 ff5 fs17 fc0 sc0 ls21 ws20\">Fair value<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x162c h38 y6aa9 ff5 fs17 fc0 sc0 ls21 ws20\">dividend yield </td><td class=\"t m0 x4bb h38 y6aa9 ff5 fs17 fc0 sc0 ls21 ws20\">Fair value<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"t m0 x235 h8 y6aaa ff5 fs5 fc3 sc0 ls5 ws5\">Vesting period (years)<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x66d h38 y6aaa ff5 fs17 fc0 sc0 ls21 ws20\">(%)<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1631 h38 y6aaa ff5 fs17 fc0 sc0 ls21 ws20\">(\u00a3)<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x19a9 h38 y6aaa ff5 fs17 fc0 sc0 ls21 ws20\">(%)<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xadc h38 y6aaa ff5 fs17 fc0 sc0 ls21 ws20\">(\u00a3)<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x19aa h38 y6aaa ff5 fs17 fc0 sc0 ls21 ws20\">(%)<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x2e9 h38 y6aaa ff5 fs17 fc0 sc0 ls21 ws20\">(\u00a3)<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x19ab h38 y6aaa ff5 fs17 fc0 sc0 ls21 ws20\">(%)<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x19ac h38 y6aaa ff5 fs17 fc0 sc0 ls21 ws20\">(\u00a3)<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c n x1ee y65f7 wd53 h1fe\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">1-3 years<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x19ad y65f7 wd54 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">N/A<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x19ae y65f7 wd55 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff7 fs5 fc3 sc0 ls5 ws5\">20.49<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x19af y65f7 wd54 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">N/A<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x19b0 y65f7 wd56 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff7 fs5 fc3 sc0 ls5 ws5\">18.48<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x19b1 y65f7 wd57 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">N/A<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x19b2 y65f7 wd58 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff7 fs5 fc3 sc0 ls5 ws5\">14.86<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x19b3 y65f7 wd57 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">N/A<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x19b4 y65f7 w7d h1ff\"><div class=\"t m0 x1ed h3d y6548 ff7 fs5 fc3 sc0 ls5 ws5\">14.95<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td></td><td></td><td class=\"c n x19b5 y68ad w751 h201\"><div class=\"t m0 x1ed h3d y6548 ff7 fs5 fc3 sc0 ls5 ws5\">16.95,</div></td><td class=\"c n x19b6 y68ad wd59 h201\"><div class=\"t m0 x1ed h3d y6548 ff7 fs5 fc3 sc0 ls5 ws5\">17.16,<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x19b7 y68ad wbb h201\"><div class=\"t m0 x1ed h3d y6548 ff7 fs5 fc3 sc0 ls5 ws5\">13.18,</div></td><td class=\"c n x19b8 y68ad w902 h201\"><div class=\"t m0 x1ed h3d y6548 ff7 fs5 fc3 sc0 ls5 ws5\">13.41,<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x19b9 y68ad w498 h201\"><div class=\"t m0 x1ed h3d y6548 ff7 fs5 fc3 sc0 ls5 ws5\">13.34,</div></td><td class=\"c n x19ba y68ad wd5a h201\"><div class=\"t m0 x1ed h3d y6548 ff7 fs5 fc3 sc0 ls5 ws5\">13.56,<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6566 wd5b h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">1-5 years<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x19bb y6566 w2bc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x19bc y6566 w2bc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013</div></td><td class=\"c n x19bd y6566 wd5c h201\"><div class=\"t m0 x1ed h3d y6548 ff7 fs5 fc3 sc0 ls5 ws5\">2.5, 2.5, 2.5<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x19be y6566 wd5d h201\"><div class=\"t m0 x1ed h3d y6548 ff7 fs5 fc3 sc0 ls5 ws5\">17.37</div></td><td class=\"c n x19bf y6566 wd5e h201\"><div class=\"t m0 x1ed h3d y6548 ff7 fs5 fc3 sc0 ls5 ws5\">3.5, 3.5, 3.5<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x19c0 y6566 w1bd h201\"><div class=\"t m0 x1ed h3d y6548 ff7 fs5 fc3 sc0 ls5 ws5\">13.64</div></td><td class=\"c n x19c1 y6566 wd5f h201\"><div class=\"t m0 x1ed h3d y6548 ff7 fs5 fc3 sc0 ls5 ws5\">3.3, 3.3, 3.3<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x19c2 h3d y6aab ff7 fs5 fc3 sc0 ls5 ws5\">13.78<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c n x1ee y6567 wd60 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">3-7 years<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x19c3 y6567 w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x19c4 y6567 w2bc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x19c5 y6567 w2bc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x19c6 y6567 w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x19c7 y6567 w1cf h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x19c8 y6567 w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013</div></td><td class=\"c n x19c9 y6567 wd61 h201\"><div class=\"t m0 x1ed h3d y6548 ff7 fs5 fc3 sc0 ls5 ws5\">3.3, 3.3</div></td><td class=\"c n x19ca y6567 wd62 h201\"><div class=\"t m0 x1ed h3d y6548 ff7 fs5 fc3 sc0 ls5 ws5\">12.30, 12.71<span class=\"_ _3eb\"> </span></div></td></tr></table><table class=\"s wd87 h29b\" id=\"_890b26f5-0726-462f-b3c9-a1ec61db32c6\"><tr><td></td><td></td><td class=\"t m0 x6be h39 y6aca ff1 fs17 fc3 sc0 ls21 ws20\">2024<span class=\"_ _3eb\"> </span></td><td></td><td></td></tr><tr><td class=\"t m0 x235 h8 y6acb ff5 fs5 fc3 sc0 ls5 ws5\">Grant Date<span class=\"_ _3eb\"> </span></td><td class=\"c n x1a05 y6acc wd88 h215\"><div class=\"t m0 x1ed h2c y65c7 ff4 fs17 fc3 sc0 ls21 ws20\">17 June<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n x1a06 y6acc wd89 h205\"><div class=\"t m0 x1ed h2c y65c7 ff1 fs17 fc3 sc0 ls21 ws0\">11 March<span class=\"_ _3eb\"> </span></div></td><td></td></tr><tr><td class=\"c n x1ee y6acd wd3c h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Share price at grant date (\u00a3)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1a07 y6acd wd8a h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">7.24<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n x1a08 y6acd wd8b h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">6.56<span class=\"_ _3eb\"> </span></div></td><td></td></tr><tr><td></td><td class=\"t m0 x2ce h39 y6ace ff1 fs17 fc3 sc0 ls21 ws20\">Expected </td><td></td><td class=\"t m0 x162c h39 y6ace ff1 fs17 fc3 sc0 ls21 ws20\">Expected </td><td></td></tr><tr><td></td><td class=\"t m0 x1279 h2c y6acf ff4 fs17 fc3 sc0 ls21 ws20\">dividend </td><td></td><td class=\"t m0 xbee h2c y6acf ff4 fs17 fc3 sc0 ls21 ws20\">dividend </td><td></td></tr><tr><td></td><td class=\"t m0 xc28 h39 y6ad0 ff1 fs17 fc3 sc0 ls21 ws20\">yield </td><td class=\"t m0 x6ba h39 y6ad0 ff1 fs17 fc3 sc0 ls21 ws0\">Fair value<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x19a3 h39 y6ad0 ff1 fs17 fc3 sc0 ls21 ws20\">yield </td><td class=\"t m0 x4bb h39 y6ad0 ff1 fs17 fc3 sc0 ls21 ws0\">Fair value<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"t m0 x235 h8 y6ad1 ff5 fs5 fc3 sc0 ls5 ws5\">Vesting Period (Years)<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x2e0 h2c y6ad1 ff4 fs17 fc3 sc0 ls21 ws20\">(%)<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x672 h2c y6ad1 ff4 fs17 fc3 sc0 ls21 ws20\">(\u00a3)<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x13ec h2c y6ad1 ff4 fs17 fc3 sc0 ls21 ws20\">(%)<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x19ac h2c y6ad1 ff4 fs17 fc3 sc0 ls21 ws20\">(\u00a3)<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c n x1ee y6659 wd53 h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">1-3 years<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1a09 y6659 w7a2 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">N/A<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1a0a y6659 w343 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">9.17<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1a0b y6659 wd8c h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">4.2, 4.2<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1a0c y6659 wd8d h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">7.65, 8.30<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6566 wd5b h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">1-5 years<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x6f7 y6566 wd8e h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">3.8, 3.8, 3.8</div></td><td class=\"c n x1a0d y6566 wd8f h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">8.05, 8.20, 8.35</div></td><td class=\"c n x1a0e y6566 wd90 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">4.2, 4.2, N/A</div></td><td class=\"c n x1a0f y6566 wd91 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">7.19, 7.49, 8.30<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6567 wd60 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">3-7 years<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n x1a10 y6567 wd92 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">4.2,</div></td><td class=\"c n x1a11 y6567 wd93 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">4.2<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1a12 y6567 wd94 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">6.49, 6.76<span class=\"_ _3eb\"> </span></div></td></tr></table>Deferred shares \u2013 buy-outs<span class=\"_ gs1a1\"> </span><span class=\"_ _1bd\"> </span><span class=\"ff5 fs17 fc0 ls21 ws20\">2025<span class=\"_ _3eb\"> </span></span>Grant date<span class=\"_ _3eb\"> </span>17-Nov<span class=\"_ _3eb\"> </span>24-Sep<span class=\"_ _3eb\"> </span>12-May<span class=\"_ _3eb\"> </span>14-Mar<span class=\"_ _3eb\"> </span>Share price at grant date (\u00a3)<span class=\"_ _3eb\"> </span>16.13<span class=\"_ _3eb\"> </span>14.55<span class=\"_ _3eb\"> </span>11.7<span class=\"_ _3eb\"> </span>11.77<span class=\"_ _3eb\"> </span>Expected Expected Expected Expected dividend dividend dividend dividend yield Fair value yield<span class=\"_ _3eb\"> </span>Fair value yield Fair value yield Fair value Vesting Period (years)<span class=\"_ _3eb\"> </span>(%)<span class=\"_ _3eb\"> </span>(\u00a3) (%)<span class=\"_ _3eb\"> </span>(\u00a3)<span class=\"_ _3eb\"> </span>(%)<span class=\"_ _3eb\"> </span>(\u00a3)<span class=\"_ _3eb\"> </span>(%)<span class=\"_ _3eb\"> </span>(\u00a3)<span class=\"_ _3eb\"> </span>3 months<span class=\"_ _24f\"> </span><span class=\"ff7 ls0\"><span class=\"_ gs823\"> </span><span class=\"_ _136\"> </span><span class=\"_ gs823\"> </span><span class=\"_ _da\"> </span></span>2.5<span class=\"_ _3eb\"> </span><span class=\"ls5 ws5\">19.44<span class=\"_ _43\"> </span></span><span class=\"_ gs823\"> </span><span class=\"_ _26e\"> </span>3.3<span class=\"_ _3eb\"> </span>15.07<span class=\"_ _3eb\"> </span>4 months<span class=\"_ _3eb\"> </span>3.3<span class=\"_ _3eb\"> </span>21.14<span class=\"_ _43\"> </span><span class=\"ls0 ws0\"><span class=\"_ gs823\"> </span><span class=\"_ _136\"> </span><span class=\"_ gs823\"> </span><span class=\"_ _da\"> </span></span>3.5<span class=\"_ _3eb\"> </span>15.87<span class=\"_ _3eb\"> </span>6 months<span class=\"_ _3eb\"> </span>2.5<span class=\"_ _3eb\"> </span>18.85, 19.09,<span class=\"_ _3eb\"> </span>19.32<span class=\"_ _3eb\"> </span>7 months<span class=\"_ _3eb\"> </span>3.3<span class=\"_ _3eb\"> </span>20.97<span class=\"_ _43\"> </span><span class=\"ls0 ws0\"><span class=\"_ gs823\"> </span><span class=\"_ _136\"> </span><span class=\"_ gs823\"> </span><span class=\"_ _3f\"> </span><span class=\"_ gs823\"> </span></span>9 months<span class=\"_ _374\"> </span><span class=\"ff7 ls0 ws0\"><span class=\"_ gs823\"> </span><span class=\"_ _136\"> </span><span class=\"_ gs823\"> </span><span class=\"_ _da\"> </span></span>2.5<span class=\"_ _3eb\"> </span>19.2<span class=\"_ _43\"> </span><span class=\"ls0 ws0\"><span class=\"_ gs823\"> </span></span>10 months<span class=\"_ _1bb\"> </span><span class=\"ff7 ls0\"><span class=\"_ gs823\"> </span><span class=\"_ _136\"> </span><span class=\"_ gs823\"> </span><span class=\"_ _3f\"> </span><span class=\"_ gs823\"> </span><span class=\"_ _136\"> </span><span class=\"_ gs823\"> </span><span class=\"_ _a6\"> </span></span>3.5<span class=\"_ _3eb\"> </span>15.58<span class=\"_ _3eb\"> </span>1 year<span class=\"_ _3eb\"> </span>3.3<span class=\"_ _3eb\"> </span>20.30, 20.46,<span class=\"_ _3eb\"> </span>2.5<span class=\"_ _3eb\"> </span>18.39, 18.62,<span class=\"_ _3eb\"> </span>3.5<span class=\"_ _3eb\"> </span>15.06, 15.33,<span class=\"_ _3eb\"> </span>3.3<span class=\"_ _3eb\"> </span>14.59, 14.71<span class=\"_ _3eb\"> </span>20.63<span class=\"_ _3eb\"> </span>18.74,<span class=\"_ _3eb\"> </span>18.85,<span class=\"_ _3eb\"> </span>15.44<span class=\"_ _3eb\"> </span>18.97,<span class=\"_ _3eb\"> </span>19.09<span class=\"_ _3eb\"> </span>2 years<span class=\"_ _3eb\"> </span>3.3<span class=\"_ _3eb\"> </span>19.65, 19.81,<span class=\"_ _3eb\"> </span>2.5<span class=\"_ _3eb\"> </span>17.94, 18.17,<span class=\"_ _3eb\"> </span>3.5<span class=\"_ _3eb\"> </span>14.92<span class=\"_ _3eb\"> </span>3.3<span class=\"_ _3eb\"> </span>14.12, 14.24<span class=\"_ _3eb\"> </span>19.97<span class=\"_ _3eb\"> </span>18.28,<span class=\"_ _3eb\"> </span>18.39,<span class=\"_ _3eb\"> </span>18.51,<span class=\"_ _3eb\"> </span>18.62<span class=\"_ _3eb\"> </span>3 years<span class=\"_ _3eb\"> </span>3.3<span class=\"_ _3eb\"> </span>19.18, 19.33<span class=\"_ _3eb\"> </span>2.5<span class=\"_ _3eb\"> </span>17.72, 17.94,<span class=\"_ _3eb\"> </span>3.5<span class=\"_ _3eb\"> </span>14.41<span class=\"_ _3eb\"> </span>3.3<span class=\"_ _3eb\"> </span>13.78<span class=\"_ _3eb\"> </span>18.17<span class=\"_ _3eb\"> </span>4 years<span class=\"_ _3eb\"> </span>2.5<span class=\"_ _3eb\"> </span>17.51<span class=\"_ _3eb\"> </span>5 years<span class=\"_ _33a\"> </span><span class=\"_ gs823\"> </span><div class=\"gs3ff\"><table class=\"s wda2 h29e\" id=\"_e64a37c6-fcf6-4a86-9e35-55e7b3528d37\"><tr><td></td><td></td><td></td><td></td><td></td><td class=\"t m0 x12c7 h39 y6ad4 ff1 fs17 fc3 sc0 ls21 ws20\">2024<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y6ad5 wd4c h1ff\"><div class=\"t m0 x1ed h8 y68e4 ff5 fs5 fc3 sc0 ls5 ws5\">Grant date<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n x19cb y6ad6 wda3 h215\"><div class=\"t m0 x1ed h8 y65c7 ff5 fs17 fc3 sc0 ls21 ws20\">18-Nov<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n x1a24 y6ad6 wda4 h215\"><div class=\"t m0 x1ed h8 y65c7 ff5 fs17 fc3 sc0 ls21 ws20\">23-Sep<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td class=\"c n x1a25 y6ad6 w598 h215\"><div class=\"t m0 x1ed h8 y65c7 ff5 fs17 fc3 sc0 ls21 ws20\">17-Jun<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td class=\"c n x1a26 y6ad6 wda5 h215\"><div class=\"t m0 x1ed h8 y65c7 ff5 fs17 fc3 sc0 ls21 ws20\">11-Mar<span class=\"_ _3eb\"> </span></div></td><td></td></tr><tr><td class=\"c n x1ee y6ad7 wd3c h1ff\"><div class=\"t m0 x1ed h1a y6640 ff4 fs5 fc3 sc0 ls5 ws5\">Share price at grant date (\u00a3)<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n x1a27 y6ad7 wda6 h1ff\"><div class=\"t m0 x1ed h1a y6640 ff4 fs5 fc3 sc0 ls5 ws5\">9.43<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n x1a28 y6ad7 wda7 h1ff\"><div class=\"t m0 x1ed h1a y6640 ff4 fs5 fc3 sc0 ls5 ws5\">7.59<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td class=\"c n x1a29 y6ad7 wda8 h1ff\"><div class=\"t m0 x1ed h1a y6640 ff4 fs5 fc3 sc0 ls5 ws5\">7.24<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td class=\"c n x1a2a y6ad7 wd8b h1ff\"><div class=\"t m0 x1ed h1a y6640 ff4 fs5 fc3 sc0 ls5 ws5\">6.56<span class=\"_ _3eb\"> </span></div></td><td></td></tr><tr><td></td><td class=\"t m0 xeb4 h39 y6ad8 ff1 fs17 fc3 sc0 ls21 ws20\">Expected </td><td></td><td class=\"t m0 x540 h39 y6ad8 ff1 fs17 fc3 sc0 ls21 ws20\">Expected </td><td></td><td></td><td class=\"t m0 x1a2b h39 y6ad8 ff1 fs17 fc3 sc0 ls21 ws20\">Expected </td><td></td><td></td><td class=\"t m0 xb9e h39 y6ad8 ff1 fs17 fc3 sc0 ls21 ws20\">Expected </td><td></td><td></td></tr><tr><td></td><td class=\"t m0 x1a2c h2c y6ad9 ff4 fs17 fc3 sc0 ls21 ws20\">dividend </td><td></td><td class=\"t m0 xd2e h2c y6ad9 ff4 fs17 fc3 sc0 ls21 ws20\">dividend </td><td></td><td></td><td class=\"t m0 x9ce h2c y6ad9 ff4 fs17 fc3 sc0 ls21 ws20\">dividend </td><td></td><td></td><td class=\"t m0 x10c7 h2c y6ad9 ff4 fs17 fc3 sc0 ls21 ws20\">dividend </td><td></td><td></td></tr><tr><td></td><td class=\"t m0 x1a2d h39 y6ada ff1 fs17 fc3 sc0 ls21 ws20\">yield </td><td class=\"t m0 x1a2e h39 y6ada ff1 fs17 fc3 sc0 ls21 ws0\">Fair value </td><td class=\"t m0 x1a2f h39 y6ada ff1 fs17 fc3 sc0 ls21 ws20\">yield </td><td></td><td class=\"t m0 x8b3 h39 y6ada ff1 fs17 fc3 sc0 ls21 ws0\">Fair value </td><td class=\"t m0 x543 h39 y6ada ff1 fs17 fc3 sc0 ls21 ws20\">yield </td><td></td><td class=\"t m0 xdeb h39 y6ada ff1 fs17 fc3 sc0 ls21 ws0\">Fair value </td><td class=\"t m0 x1a30 h39 y6ada ff1 fs17 fc3 sc0 ls21 ws20\">yield </td><td></td><td class=\"t m0 x113f h39 y6ada ff1 fs17 fc3 sc0 ls21 ws0\">Fair value </td></tr><tr><td class=\"t m0 x221 h8 y6adb ff5 fs5 fc3 sc0 ls5 ws5\">Vesting Period (years)<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xf41 h2c y6adb ff4 fs17 fc3 sc0 ls21 ws20\">(%)<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1a31 h2c y6adb ff4 fs17 fc3 sc0 ls21 ws20\">(\u00a3)<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x8b2 h2c y6adb ff4 fs17 fc3 sc0 ls21 ws20\">(%)<span class=\"_ _3eb\"> </span></td><td></td><td class=\"t m0 xf44 h2c y6adb ff4 fs17 fc3 sc0 ls21 ws20\">(\u00a3)<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xf48 h2c y6adb ff4 fs17 fc3 sc0 ls21 ws20\">(%)<span class=\"_ _3eb\"> </span></td><td></td><td class=\"t m0 x1a32 h2c y6adb ff4 fs17 fc3 sc0 ls21 ws20\">(\u00a3)<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1a33 h2c y6adb ff4 fs17 fc3 sc0 ls21 ws20\">(%)<span class=\"_ _3eb\"> </span></td><td></td><td class=\"t m0 x1a34 h2c y6adb ff4 fs17 fc3 sc0 ls21 ws20\">(\u00a3)<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c n x1ee y6adc wda9 h203\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">3 months<span class=\"_ _374\"> </span><span class=\"ff4 ls0\"><span class=\"_ gs1a1\"> </span><span class=\"_ _1ff\"> </span></span></div></td><td></td><td></td><td class=\"c n x1a35 y6adc wdaa h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">4.2<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n xd89 y6adc wdab h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">9.59<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1a36 y6adc w38c h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">3.8<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n x1a37 y6adc wdac h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">9.07<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1a38 y6adc wd42 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">4.2<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n x1a39 y6adc wb9 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">8.22<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6add wd68 h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">4 months<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1a3a y6add wdaa h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">4.2<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1a3b y6add wdad h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">11.83<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y6ade wd6b h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">6 months<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td class=\"c n x1a3c y6ade wdaa h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">4.2<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n x1a3d y6ade wdae h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">9.49<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1a3e y6ade w38c h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">3.8<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n x1a3f y6ade wdaf h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">8.99<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1a40 y6ade wd42 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">4.2<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n x1a41 y6ade wa6e h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">8.14<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6adf wd6e h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">7 months<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1a42 y6adf wdaa h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">4.2<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1a43 y6adf wac1 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">11.69<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y6ae0 wdb0 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">9 months<span class=\"_ _203\"> </span><span class=\"ls0 ws0\"><span class=\"_ gs1a1\"> </span><span class=\"_ _1ff\"> </span></span></div></td><td></td><td></td><td class=\"c n x1a44 y6ae0 wdaa h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">4.2<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n x1a45 y6ae0 wdb1 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">9.4<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1a46 y6ae0 w38c h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">3.8<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n x1a47 y6ae0 wdb2 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">8.90<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1a48 y6ae0 wd93 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">4.2<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n x1a49 y6ae0 wdb3 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">8.06<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x221 h1a y6ae1 ff1 fs5 fc3 sc0 ls5 ws0\">10 months<span class=\"_ _1bb\"> </span><span class=\"ff4 ls0\"><span class=\"_ gs1a1\"> </span></span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y6ae2 wd74 h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">1 year<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd85 y6ae2 wd42 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">4.2</div></td><td class=\"c n x1a4a y6ae2 wb6c h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">11.22, 11.36<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1a4b y6ae2 wdaa h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">4.2</div></td><td class=\"c n x1a4c y6ae2 wdb4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">9.02,</div></td><td class=\"c n x1a4d y6ae2 wdb5 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">9.11,<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1a4e y6ae2 w38c h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">3.8</div></td><td class=\"c n x1a4f y6ae2 wd9a h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">8.58,</div></td><td class=\"c n x1a50 y6ae2 wdb6 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">8.66,<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16d5 y6ae2 wd42 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">4.2</div></td><td class=\"c n x1a51 y6ae2 w449 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">7.73,</div></td><td class=\"c n x1a52 y6ae2 w436 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">7.81,<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"c n x758 y6ae3 w489 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">9.21,</div></td><td class=\"c n x1a53 y6ae3 wdb7 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">9.30<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td class=\"t m0 x1a54 h1a y6ae4 ff4 fs5 fc3 sc0 ls5 ws5\">8.74<span class=\"_ _3eb\"> </span></td><td></td><td class=\"c n x1a55 y6ae3 wdb8 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">7.89,</div></td><td class=\"c n x1a56 y6ae3 w9e6 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">7.97<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x221 h1a y6ae5 ff4 fs5 fc3 sc0 ls5 ws5\">1.4 years<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y6ae6 wd7b h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">2 years<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1a57 y6ae6 wd42 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">4.2</div></td><td class=\"c n x1a58 y6ae6 wc1f h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">10.77, 10.90<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1a59 y6ae6 wdaa h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">4.2</div></td><td class=\"c n x1a5a y6ae6 w643 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">8.65,</div></td><td class=\"c n x1a5b y6ae6 wdb9 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">8.74,<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1a4e y6ae6 w38c h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">3.8</div></td><td class=\"c n x1a5c y6ae6 w9f7 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">8.26,</div></td><td class=\"c n x1a5d y6ae6 wdba h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">8.34<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1a5e y6ae6 wd42 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">4.2</div></td><td class=\"c n x1a5f y6ae6 w56f h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">7.42,</div></td><td class=\"c n x1a60 y6ae6 wdbb h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">7.50,<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"c n x1a61 y6ae7 wdbc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">8.83,</div></td><td class=\"c n x1a62 y6ae7 w49b h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">8.93<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td></td><td></td><td class=\"c n x1a55 y6ae7 wdbd h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">7.57,</div></td><td class=\"c n x1a63 y6ae7 wdbe h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">7.65<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x221 h1a y6ae8 ff4 fs5 fc3 sc0 ls5 ws5\">2.4 years<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y6ae9 wd81 h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">3 years<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1a3a y6ae9 wdaa h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">4.2<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1a64 y6ae9 wdbf h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">10.46,<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1a65 y6ae9 wdaa h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">4.2<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n x1a66 y6ae9 wdc0 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">8.39<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td></td><td class=\"c n x1a67 y6ae9 wd42 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">4.2</div></td><td class=\"c n x1a68 y6ae9 wd9a h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">7.20,</div></td><td class=\"c n x1a69 y6ae9 w9e4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">7.34<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6aea wd85 h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">4 years<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1a6a y6aea wdaa h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">4.2<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1a6b y6aea wdc1 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">10.04<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"c n x1a6c y6aea wd93 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">4.2<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n x1a6d y6aea wdc2 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">7.05<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x221 h3b y6aeb ff1 fs5 fc3 sc0 ls5 ws0\">5 years<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr></table></div><div class=\"t m0 hc ff6 fs8 fc2 sc0 ls8 ws0 gs825\">All Employee Sharesave Plans<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs826\">Under the 2023 Sharesave Plan, employees <span class=\"_ _7\"></span>may open a savings contract and save <span class=\"_ _7\"></span>up to \u00a3500 (increased from \u00a3250 <span class=\"_ _7\"></span>since 2024) </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs827\">per month over three years to <span class=\"_ _7\"></span>purchase ordinary shares in the Company at <span class=\"_ _7\"></span>a discount of up to 20 <span class=\"_ _7\"></span>per cent (the \u2018option exercise </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs828\">price\u2019). The discount applies to the <span class=\"_ _7\"></span>higher of: the 5-day average share price <span class=\"_ _7\"></span>prior to the invitation or the <span class=\"_ _7\"></span>closing share price on </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs829\">the last trading day prior to <span class=\"_ _7\"></span>the invitation. At the end of the <span class=\"_ _7\"></span>savings contract they have a period <span class=\"_ _7\"></span>of six months to exercise the </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs82a\">option. There are no performance measures <span class=\"_ _7\"></span>attached to Sharesave options, and no exercise <span class=\"_ _7\"></span>price is payable to receive an </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs82b\">option. In<span class=\"_ gs36\"> </span>some countries in which the <span class=\"_ _7\"></span>Group operates, it is not possible to <span class=\"_ _7\"></span>operate equity-settled Sharesave, typically due to </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs82c\">securities law and regulatory restrictions. In <span class=\"_ _7\"></span>these countries, where possible, the Group offers <span class=\"_ _7\"></span>an equivalent cash-based </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs82d\">alternative to<span class=\"_ gs36\"> </span>its<span class=\"_ gs36\"> </span>employees. </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs82e\">The remaining life of the 2023 <span class=\"_ _7\"></span>Sharesave Plan during which new awards can <span class=\"_ _7\"></span>be made is eight years.<span class=\"_ _3eb\"> </span></div><div class=\"t m0 hc ff7 fs8 fc2 sc0 ls8 wsb gs82f\">Valuation \u2013 Sharesave:<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs830\">Options under the Sharesave plans are <span class=\"_ _7\"></span>valued using a binomial option-pricing model. The <span class=\"_ _7\"></span>same fair value is applied to <span class=\"_ _7\"></span>all </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs831\">employees including executive directors. The fair <span class=\"_ _7\"></span>value per option granted and the assumptions <span class=\"_ _7\"></span>used in the calculation are </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs832\">as<span class=\"_ gs36\"> </span>follows:<span class=\"_ _3eb\"> </span></div><div class=\"t m0 hc ff6 fs8 fc2 sc0 ls8 ws0 gs833\">All Employee Sharesave Plan (Sharesave)<span class=\"_ _3eb\"> </span></div><div class=\"gs834\"><table class=\"s wd95 h29c\" id=\"_a54a5c37-feb5-451d-919d-d2adaad9ef99\"><tr><td></td><td class=\"c n x804 y6a2f w36d h204\"><div class=\"t m0 x1ed h38 y6563 ff5 fs17 fc0 sc0 ls21 ws20\">2025<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16d7 y6a2f w46b h205\"><div class=\"t m0 x1ed h38 y6563 ff1 fs17 fc3 sc0 ls21 ws20\">2024<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y69cd wd39 h23a\"><div class=\"t m0 x1ed h3b y6600 ff1 fs5 fc3 sc0 ls5 ws0\">Grant date<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1a13 y6ad3 wd96 h29d\"><div class=\"t m0 x1ed h3b y6ad2 ff5 fs17 fc3 sc0 ls21 ws20\">24 September</div></td><td class=\"c n x1a14 y6ad3 wd97 h205\"><div class=\"t m0 x1ed h3b y6ad2 ff1 fs17 fc3 sc0 ls21 ws0\">23 September<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y667a wd3c h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">Share price at grant date (\u00a3)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1a15 y667a w591 h203\"><div class=\"t m0 x1ed h3d y655f ff7 fs5 fc3 sc0 ls5 ws5\">14.55<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1a16 y667a wd98 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">7.59<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6646 wd99 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">Exercise price (\u00a3)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1a17 y6646 wd9a h203\"><div class=\"t m0 x1ed h3d y655f ff7 fs5 fc3 sc0 ls5 ws5\">11.10<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9ac y6646 w9d9 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">6.10<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6561 wd3f h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">Vesting period (years)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1a18 y6561 w45d h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">3<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1a19 y6561 w32 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls0 ws0\">3<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6562 wd9b h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">Expected volatility (%)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1a1a y6562 wd9c h203\"><div class=\"t m0 x1ed h3d y655f ff7 fs5 fc3 sc0 ls5 ws5\">31.2<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1a1b y6562 w956 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">32.9<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6610 wd9d h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">Expected option life (years)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1a1c y6610 w68c h203\"><div class=\"t m0 x1ed h3d y655f ff7 fs5 fc3 sc0 ls5 ws5\">3.5<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1a1d y6610 wd9e h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">3.5<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6577 wd9f h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">Risk-free rate (%)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1a1e y6577 w8df h203\"><div class=\"t m0 x1ed h3d y655f ff7 fs5 fc3 sc0 ls5 ws5\">3.98<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1a1f y6577 w9a3 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">3.88<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6566 wd41 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">Expected dividend yield (%)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1a20 y6566 wa86 h203\"><div class=\"t m0 x1ed h3d y655f ff7 fs5 fc3 sc0 ls5 ws5\">2.5<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1a21 y6566 wd93 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">4.2<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6567 wda0 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">Fair value (\u00a3)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1a22 y6567 wda1 h203\"><div class=\"t m0 x1ed h3d y655f ff7 fs5 fc3 sc0 ls5 ws5\">6.49<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1a23 y6567 w266 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">2.73<span class=\"_ _3eb\"> </span></div></td></tr></table></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs835\">The expected volatility is based on <span class=\"_ _7\"></span>historical volatility over the last three years, <span class=\"_ _7\"></span>or the three years prior to <span class=\"_ _7\"></span>grant. The expected </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs836\">life is the average expected period <span class=\"_ _7\"></span>to exercise. The risk-free rate of return <span class=\"_ _7\"></span>is the yield on zero-coupon UK <span class=\"_ _7\"></span>Government bonds </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs837\">of<span class=\"_ gs36\"> </span>a<span class=\"_ gs36\"> </span>term consistent with the assumed option <span class=\"_ _7\"></span>life. The expected dividend yield is calculated <span class=\"_ _7\"></span>by reference to market consensus </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs838\">dividend yield.<span class=\"_ _3eb\"> </span></div><div class=\"t m0 hc ff7 fs8 fc2 sc0 ls8 wsb gs839\">Limits<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h9 ff1 fs2 fc3 sc0 ls2 ws0 gs83a\">An award shall not be granted under the 2021 Plan in any calendar year if, at the time of its proposed grant, it would cause the </div><div class=\"t m0 h9 ff1 fs2 fc3 sc0 ls2 ws0 gs83b\">number of Standard Chartered PLC ordinary shares allocated in the period of 10 calendar years, ending with that calendar year, </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs83c\">under the 2021 Plan and under <span class=\"_ _7\"></span>any other discretionary share plan operated by <span class=\"_ _7\"></span>Standard Chartered PLC to exceed 5 <span class=\"_ _7\"></span>per cent </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs83d\">of<span class=\"_ gs36\"> </span>the ordinary share capital of Standard <span class=\"_ _7\"></span>Chartered PLC in issue at that time.<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h9 ff1 fs2 fc3 sc0 ls2 ws0 gs83f\">An award shall not be granted under the 2021 Plan or 2023 Sharesave Plan in any calendar year if, at the time of its proposed </div><div class=\"t m0 h9 ff1 fs2 fc3 sc0 ls2 ws0 gs840\">grant, it would cause the number of Standard Chartered PLC ordinary shares allocated in the period of 10 calendar years ending </div><div class=\"t m0 h9 ff1 fs2 fc3 sc0 ls2 ws0 gs841\">with that calendar year, under the 2021 Plan or 2023 Sharesave Plan and under any other employee share plan operated by </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs842\">Standard Chartered PLC to exceed 10 <span class=\"_ _7\"></span>per cent of the ordinary share capital <span class=\"_ _7\"></span>of Standard Chartered PLC in issue <span class=\"_ _7\"></span>at that time.<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h9 ff1 fs2 fc3 sc0 ls2 ws0 gs843\">An award shall not be granted under the 2021 Plan or 2023 Sharesave Plan in any calendar year if, at the time of its proposed </div><div class=\"t m0 h9 ff1 fs2 fc3 sc0 ls2 ws0 gs844\">grant, it would cause the number of Standard Chartered PLC ordinary shares which may be issued or transferred pursuant </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs845\">to<span class=\"_ gs36\"> </span>awards then outstanding under the 2021 <span class=\"_ _7\"></span>Plan or 2023 Sharesave Plan as relevant <span class=\"_ _7\"></span>to exceed such number as represents </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs846\">10<span class=\"_ gs36\"> </span>per<span class=\"_ gs36\"> </span>cent of the ordinary share capital <span class=\"_ _7\"></span>of Standard Chartered PLC in issue at <span class=\"_ _7\"></span>that time.<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs847\">The number of Standard Chartered PLC <span class=\"_ _7\"></span>ordinary shares which may be issued pursuant <span class=\"_ _7\"></span>to awards granted to an individual </div><div class=\"t m0 h9 ff1 fs2 fc3 sc0 ls2 ws0 gs848\">under the 2021 or 2023 Plan in any 12-month period must not exceed 1 per cent of the ordinary share capital of Standard </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs849\">Chartered PLC in issue at that <span class=\"_ _7\"></span>time. There are no participants with options <span class=\"_ _7\"></span>and awards granted and to be <span class=\"_ _7\"></span>granted in excess </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs84a\">of<span class=\"_ gs36\"> </span>the 1% individual limit, and there <span class=\"_ _7\"></span>are no related entity participants or service <span class=\"_ _7\"></span>providers with options and awards granted </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs84b\">and<span class=\"_ gs36\"> </span>to be granted in any 12-month <span class=\"_ _7\"></span>period exceeding 0.1% of the relevant class <span class=\"_ _7\"></span>of shares in issue (excluding treasury <span class=\"_ _7\"></span>shares).<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs84c\">As at 1 January 2025 and <span class=\"_ _7\"></span>31 December 2025, the shareholder dilution under <span class=\"_ _7\"></span>our discretionary and Sharesave plans adopted </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs84d\">by<span class=\"_ gs36\"> </span>Standard Chartered PLC and its subsidiaries <span class=\"_ _7\"></span>represented 5.1 per cent and 5.1 per <span class=\"_ _7\"></span>cent of the issued ordinary share <span class=\"_ _7\"></span>capital </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs84e\">of<span class=\"_ gs36\"> </span>Standard Chartered PLC respectively. Accordingly, the <span class=\"_ _7\"></span>number of Standard Chartered PLC shares available <span class=\"_ _7\"></span>to be granted </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs84f\">under all discretionary and Sharesave plans <span class=\"_ _7\"></span>at the beginning and the end of <span class=\"_ _7\"></span>the year ended 31 December 2025 <span class=\"_ _7\"></span>were 123,504,051 </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs850\">and 115,091,962 respectively. As at 31 <span class=\"_ _7\"></span>December 2025, the number of Standard Chartered <span class=\"_ _7\"></span>PLC shares available to be granted </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs851\">under the discretionary plan was 27,524,527 <span class=\"_ _7\"></span>(1.2% of issued shares) and 115,091,962 available <span class=\"_ _7\"></span>to be granted under<span class=\"_ gs36\"> </span>the Sharesave </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs852\">plan (5.1% of issued shares).<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h9 ff1 fs2 fc3 sc0 ls2 ws0 gs853\">The maximum number of Standard Chartered PLC shares that may be issued in respect of share options and awards granted </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs854\">under the discretionary and Sharesave plans <span class=\"_ _7\"></span>during the year ended 31 December 2025 <span class=\"_ _7\"></span>divided by the weighted average </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs855\">number of Standard Chartered PLC shares <span class=\"_ _7\"></span>in issue for the year ended 31 <span class=\"_ _7\"></span>December 2025 is 1 per cent.<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs856\">Standard Chartered PLC has been granted <span class=\"_ _7\"></span>a waiver from strict compliance with Rules <span class=\"_ _7\"></span>17.03A, 17.03B(1), 17.03E and 17.03(18) </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs857\">of<span class=\"_ gs36\"> </span>the Rules Governing the Listing of <span class=\"_ _7\"></span>Securities on the Stock Exchange of Hong <span class=\"_ _7\"></span>Kong. Details are set out in <span class=\"_ _7\"></span>the market </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs858\">announcement made on 30 March 2023. <span class=\"_ _7\"></span>In relation to the waiver of strict <span class=\"_ _7\"></span>compliance with Note 1 to 17.03(18), <span class=\"_ _7\"></span>in 2025 no </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs859\">changes to the plan rules have <span class=\"_ _7\"></span>been proposed that fall within scope of <span class=\"_ _7\"></span>disclosure requirements under the terms of <span class=\"_ _7\"></span>the waiver.<span class=\"_ _3eb\"> </span></div><div class=\"t m0 hc ff7 fs8 fc2 sc0 ls8 wsb gs85a\">Reconciliation of share <span class=\"_ _7\"></span>award movements <span class=\"_ _7\"></span>for the year <span class=\"_ _7\"></span>to 31 <span class=\"_ _7\"></span>December 2025 </div><div class=\"gs85b\"><table class=\"s wdc3 h29f\" id=\"_95edad31-73a6-44eb-b082-b87118d12557\"><tr><td></td><td></td><td></td><td></td><td class=\"t m0 xe32 h38 y6aec ff5 fs17 fc0 sc0 ls21 ws20\">Weighted </td></tr><tr><td></td><td class=\"t m0 x1a6e ha7 y6aed ff5 fs19 fc0 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></td><td></td><td></td><td class=\"t m0 x1a6f h38 y6aee ff5 fs17 fc0 sc0 ls21 ws20\">average </td></tr><tr><td></td><td class=\"t m0 x19a8 h38 y6aef ff5 fs17 fc0 sc0 ls21 ws20\">Discretionary<span class=\"_ _3eb\"> </span></td><td></td><td></td><td class=\"t m0 xe32 h38 y6af0 ff5 fs17 fc0 sc0 ls21 ws20\">Sharesave </td></tr><tr><td></td><td></td><td class=\"t m0 x1053 h38 y6af1 ff5 fs17 fc0 sc0 ls21 ws20\">Deferred<span class=\"ff2 ls0 ws0\"> </span></td><td></td><td class=\"t m0 x1a70 h38 y6af1 ff5 fs17 fc0 sc0 ls21 ws20\">exercise price<span class=\"ff2 ls0 ws0\"> </span></td></tr><tr><td></td><td class=\"c n x1a71 y6af2 wdc4 h204\"><div class=\"t m0 x1ed h38 y6563 ff5 fs17 fc0 sc0 ls21 ws20\">LTIP<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x6cc h38 y6af3 ff5 fs17 fc0 sc0 ls21 ws20\">shares<span class=\"_ _3eb\"> </span></td><td class=\"c xe89 y6af2 wdc5 h21b\"><div class=\"t m0 x1ed h38 y6563 ff5 fs17 fc0 sc0 ls21 ws20\">Sharesave</div><div class=\"t m0 x1a72 ha7 y65fd ff5 fs19 fc0 sc0 ls40 ws44\">6,7<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1a73 y6af2 wdc6 h204\"><div class=\"t m0 x1ed h38 y6563 ff5 fs17 fc0 sc0 ls21 ws20\">(\u00a3)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y655b wdc7 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Outstanding at 1 January 2025<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1a74 y655b wdc8 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">9,640,693</div></td><td class=\"c n x1a75 y655b wdc9 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">51,693,726</div></td><td class=\"c n x1a76 y655b wdca h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">20,565,111<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1a77 y655b w823 h203\"><div class=\"t m0 x1ed h3d y655f ff7 fs5 fc3 sc0 ls5 ws5\">5.48<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y6af4 wdcb h21c\"><div class=\"t m0 x1ed h3b y6600 ff1 fs5 fc3 sc0 ls5 ws5\">Granted</div><div class=\"t m0 x1a78 h3c y6601 ff1 fs1b fc3 sc0 ls2a ws29\">2,3,4<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1a79 y655c wdcc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">2,159,737</div></td><td class=\"c n x1a7a y655c wdcd h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">16,143,146</div></td><td class=\"c n x1a7b y655c wc07 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">4,926,740<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1a7c y655c w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y6a5d wdce h2a0\"><div class=\"t m0 x1ed h3b y6600 ff1 fs5 fc3 sc0 ls5 ws5\">Lapsed</div><div class=\"t m0 x1a7d h9b y667e ff4 fs1b fc3 sc0 ls0 ws0\">8<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1a7e y655d wdcf h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(324,419)</div></td><td class=\"c n x1a7f y655d wdd0 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(713,633)</div></td><td class=\"c n x1a80 y655d wdd1 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(1,175,886)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1a81 y655d wdd2 h203\"><div class=\"t m0 x1ed h3d y655f ff7 fs5 fc3 sc0 ls5 ws5\">6.20<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y69a5 wdd3 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Vested/Exercised</div><div class=\"t m0 x1a82 h3c y65df ff1 fs1b fc3 sc0 ls0 ws0\">5<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1a83 y6573 wdd4 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(1,272,072)</div></td><td class=\"c n x1a84 y6573 wdd5 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(20,517,080)</div></td><td class=\"c n x1a85 y6573 wdd6 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(1,227,776)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1a86 y6573 w9e8 h203\"><div class=\"t m0 x1ed h3d y655f ff7 fs5 fc3 sc0 ls5 ws5\">3.87<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6574 wdd7 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Outstanding at 31 December 2025<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1a87 y6574 wdd8 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">10,203,939</div></td><td class=\"c n x1a88 y6574 wdd9 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">46,606,159</div></td><td class=\"c n x1a89 y6574 wdda h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">23,088,189<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1a8a y6574 wddb h203\"><div class=\"t m0 x1ed h3d y655f ff7 fs5 fc3 sc0 ls5 ws5\">6.72<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6560 wddc h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">Total number of securities available for issue <span class=\"_ _7\"></span>under the plan<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1a8b y6560 wddd h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">10,203,939</div></td><td class=\"c n x1a8c y6560 wdd9 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">46,606,159</div></td><td class=\"c n x1a8d y6560 wdda h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">23,088,189<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1a8e y6560 wdde h203\"><div class=\"t m0 x1ed h3d y655f ff7 fs5 fc3 sc0 ls5 ws5\">6.72<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6575 wddf h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Percentage of the issued shares this represents as at 31 December 2025<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1a8f y6575 wde0 h203\"><div class=\"t m0 x1ed h3d y655f ff7 fs5 fc3 sc0 ls5 ws5\">0.45<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1a90 y6575 wdd2 h203\"><div class=\"t m0 x1ed h3d y655f ff7 fs5 fc3 sc0 ls5 ws5\">2.06<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1a91 y6575 wde1 h203\"><div class=\"t m0 x1ed h3d y655f ff7 fs5 fc3 sc0 ls5 ws5\">1.02<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1a92 y6575 w670 h203\"><div class=\"t m0 x1ed h3d y655f ff7 fs5 fc3 sc0 ls5 ws5\">5.42<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6562 wde2 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Exercisable as at 31 December 2025<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb7e y6562 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1a93 y6562 wde3 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">90,903<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1a94 y6562 w1c8 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">82,613<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8a3 y6562 w588 h203\"><div class=\"t m0 x1ed h3d y655f ff7 fs5 fc3 sc0 ls5 ws5\">5.42<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6610 wde4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">Range of exercise prices (\u00a3)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1a95 y6610 w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1a96 y6610 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013</div></td><td class=\"c n x1a97 y6610 wde5 h203\"><div class=\"t m0 x1ed h3d y655f ff7 fs5 fc3 sc0 ls5 ws5\">4.23 \u2013 11.10<span class=\"_ _3eb\"> </span></div></td><td></td></tr><tr><td class=\"c n x1ee y6577 wde6 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">Intrinsic value of vested but not exercised <span class=\"_ _7\"></span>options ($ million)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1a98 y6577 wde7 h203\"><div class=\"t m0 x1ed h3d y655f ff7 fs5 fc3 sc0 ls5 ws5\">0.00<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1a99 y6577 w66d h203\"><div class=\"t m0 x1ed h3d y655f ff7 fs5 fc3 sc0 ls5 ws5\">2.23<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1a9a y6577 wde8 h203\"><div class=\"t m0 x1ed h3d y655f ff7 fs5 fc3 sc0 ls5 ws5\">1.42<span class=\"_ _3eb\"> </span></div></td><td></td></tr><tr><td class=\"c n x1ee y6566 wde9 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">Weighted average contractual remaining life (years)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1a9b y6566 wdea h203\"><div class=\"t m0 x1ed h3d y655f ff7 fs5 fc3 sc0 ls5 ws5\">7.14<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1a9c y6566 wd50 h203\"><div class=\"t m0 x1ed h3d y655f ff7 fs5 fc3 sc0 ls5 ws5\">8.00<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1a9d y6566 wdeb h203\"><div class=\"t m0 x1ed h3d y655f ff7 fs5 fc3 sc0 ls5 ws5\">2.06<span class=\"_ _3eb\"> </span></div></td><td></td></tr><tr><td class=\"c n x1ee y6567 wdec h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">Weighted average share price for awards exercised <span class=\"_ _7\"></span>during the period (\u00a3)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1a9e y6567 wb3 h203\"><div class=\"t m0 x1ed h3d y655f ff7 fs5 fc3 sc0 ls5 ws5\">11.78<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1a9f y6567 wded h203\"><div class=\"t m0 x1ed h3d y655f ff7 fs5 fc3 sc0 ls5 ws5\">11.75<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1aa0 y6567 wdee h203\"><div class=\"t m0 x1ed h3d y655f ff7 fs5 fc3 sc0 ls5 ws5\">11.50<span class=\"_ _3eb\"> </span></div></td><td></td></tr></table></div><div class=\"t m0 hb ff1 fs7 fc3 sc0 ls7 ws7 gs85c\">1 <span class=\"_ _b\"> </span><span class=\"ff4\">Granted under the 2021 Plan and 2011 Plan. Employees do not contribute to <span class=\"_ _7\"></span>the cost of these awards.<span class=\"_ _3eb\"> </span></span></div><div class=\"t m0 hb ff1 fs7 fc3 sc0 ls7 ws7 gs85d\">2 <span class=\"_ _f\"> </span><span class=\"ff4\">2,159,737 (LTIP) granted on 12 May 2025. The closing price of the <span class=\"_ _7\"></span>shares immediately before the date on which the <span class=\"_ _7\"></span>options or awards were granted was \u00a3 10.675. </span></div><div class=\"t m0 hb ff1 fs7 fc3 sc0 ls7 ws7 gs85e\">3 <span class=\"_ _f\"> </span><span class=\"ff4\">14,537,101 (Deferred shares) granted on 14 March 2025. The closing price of the <span class=\"_ _7\"></span>shares immediately before the date on which the <span class=\"_ _7\"></span>options or awards were granted </span></div><div class=\"t m0 hb ff4 fs7 fc3 sc0 ls7 ws7 gs85f\">was \u00a3 11.58. 141,397 (Deferred shares) granted as <span class=\"_ _7\"></span>a notional dividend on 27 March 2025; 333,619 <span class=\"_ _7\"></span>(Deferred shares) granted on 12 May 2025; The <span class=\"_ _7\"></span>closing price </div><div class=\"t m0 hb ff4 fs7 fc3 sc0 ls7 ws7 gs860\">of<span class=\"_ gs1a2\"> </span>the<span class=\"_ gs1a2\"> </span>shares immediately before the date on which the <span class=\"_ _7\"></span>options or awards were granted was \u00a3 10.675. <span class=\"_ _7\"></span>48,376 (Deferred shares) granted as a notional dividend </div><div class=\"t m0 hb ff4 fs7 fc3 sc0 ls7 ws7 gs861\">on<span class=\"_ gs1a2\"> </span>28 August 2025. 921,595 (Deferred shares) granted on <span class=\"_ _7\"></span>24 September 2025. The closing price of the <span class=\"_ _7\"></span>shares immediately before the date on which the <span class=\"_ _7\"></span>options </div><div class=\"t m0 hb ff4 fs7 fc3 sc0 ls7 ws7 gs862\">or<span class=\"_ gs1a2\"> </span>awards were granted was \u00a3 14.545. 161,058 (Deferred <span class=\"_ _7\"></span>shares) granted on 17 November 2025. The closing <span class=\"_ _7\"></span>price of the shares immediately before the date </div><div class=\"t m0 hb ff4 fs7 fc3 sc0 ls7 ws7 gs863\">on<span class=\"_ gs1a2\"> </span>which the options or awards were granted was <span class=\"_ _7\"></span>\u00a3 16.130.<span class=\"_ _3eb\"> </span></div><div class=\"t m0 hb ff1 fs7 fc3 sc0 ls7 ws7 gs864\">4 <span class=\"_ _e\"> </span><span class=\"ff4\">No discretionary awards (LTIP or deferred/buy-out awards) have been granted in the <span class=\"_ _7\"></span>form of options since June 2015. For historic <span class=\"_ _7\"></span>awards granted as options </span></div><div class=\"t m0 hb ff4 fs7 fc3 sc0 ls7 ws7 gs865\">and<span class=\"_ gs1a2\"> </span>exercised in the period to 31 December 2025, <span class=\"_ _7\"></span>the exercise price of deferred/buy-out shares options was <span class=\"_ _7\"></span>nil.<span class=\"_ _3eb\"> </span></div><div class=\"t m0 hb ff1 fs7 fc3 sc0 ls7 ws7 gs866\">5 <span class=\"_ _f\"> </span><span class=\"ff4\">The weighted average closing price of the shares immediately before <span class=\"_ _7\"></span>the dates on which the options or awards <span class=\"_ _7\"></span>were exercised or vested is \u00a311.87.<span class=\"_ _3eb\"> </span></span></div><div class=\"t m0 hb ff4 fs7 fc3 sc0 ls7 ws7 gs867\">6 <span class=\"_ _e\"> </span>The exercise price of Sharesave grants are determined with a 20% discount on the higher of <span class=\"_ _7\"></span>the average closing price of the 5 days <span class=\"_ _7\"></span>prior to invitation date or the </div><div class=\"t m0 hb ff4 fs7 fc3 sc0 ls7 ws7 gs868\">closing share price of the last day prior <span class=\"_ _7\"></span>to invitation date. For Sharesave options granted in <span class=\"_ _7\"></span>2025, the exercise price is \u00a311.10 per share <span class=\"_ _7\"></span>calculated based on a 20% </div><div class=\"t m0 hb ff4 fs7 fc3 sc0 ls7 ws7 gs869\">discount on \u00a313.88 which was the average closing <span class=\"_ _7\"></span>price of the 5 days prior to invitation <span class=\"_ _7\"></span>date of 18 August 2025.<span class=\"_ _3eb\"> </span></div><div class=\"t m0 hb ff4 fs7 fc3 sc0 ls7 ws7 gs86a\">7 <span class=\"_ _f\"> </span>All Sharesave awards are in the form of options. The exercise price of Sharesave options <span class=\"_ _7\"></span>exercised was \u00a311.10 for options granted in 2025, <span class=\"_ _7\"></span>\u00a36.10 for options granted </div><div class=\"t m0 hb ff4 fs7 fc3 sc0 ls7 ws7 gs86b\">in 2024, \u00a35.88 for options granted in 2023, <span class=\"_ _7\"></span>\u00a34.23 for options granted in 2022.<span class=\"_ _3eb\"> </span></div><div class=\"t m0 hb ff4 fs7 fc3 sc0 ls7 ws7 gs86c\">8 <span class=\"_ _e\"> </span>No options or share awards were cancelled in the period.<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs86d\">See pages 202 and 203 of <span class=\"_ _7\"></span>the Standard Chartered PLC Annual Report 2025 <span class=\"_ _7\"></span>for information specific to Directors.<span class=\"_ _3eb\"> </span></div><div class=\"t m0 hc ff7 fs8 fc2 sc0 ls8 wsb gs86f\">Reconciliation of share <span class=\"_ _7\"></span>award movements <span class=\"_ _7\"></span>for the year <span class=\"_ _7\"></span>to 31 <span class=\"_ _7\"></span>December 2024<span class=\"_ _3eb\"> </span></div><div class=\"gs870\"><table class=\"s wdef h2a1\" id=\"_fb19be90-10c7-46da-8dc6-abc864c83368\"><tr><td></td><td></td><td></td><td></td><td class=\"t m0 xeb6 h39 y6af5 ff1 fs17 fc3 sc0 ls21 ws20\">Weighted </td></tr><tr><td></td><td class=\"c x1aa2 y6af6 wdf0 h215\"><div class=\"t m0 x1ed h2c y65c7 ff4 fs17 fc3 sc0 ls21 ws20\">Discretionary</div><div class=\"t m0 x1aa1 h3a y65c8 ff1 fs19 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td class=\"t m0 x10c8 h39 y6af7 ff1 fs17 fc3 sc0 ls21 ws20\">average </td></tr><tr><td></td><td></td><td></td><td></td><td class=\"t m0 xeb6 h39 y6af8 ff1 fs17 fc3 sc0 ls21 ws20\">Sharesave </td></tr><tr><td></td><td></td><td class=\"t m0 xb9a h39 y6af9 ff1 fs17 fc3 sc0 ls21 ws20\">Deferred<span class=\"ls0 ws0\"> </span></td><td></td><td class=\"t m0 x12ca h39 y6af9 ff1 fs17 fc3 sc0 ls21 ws0\">exercise price<span class=\"ls0\"> </span></td></tr><tr><td></td><td class=\"c n x1aa3 y6afa wdf1 h205\"><div class=\"t m0 x1ed h2c y65c7 ff1 fs17 fc3 sc0 ls21 ws20\">LTIP<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x611 h39 y6afb ff1 fs17 fc3 sc0 ls21 ws20\">shares<span class=\"_ _3eb\"> </span></td><td class=\"c x1aa5 y6afc wdf2 h2a2\"><div class=\"t m0 x1ed h39 y65c3 ff1 fs17 fc3 sc0 ls21 ws20\">Sharesave</div><div class=\"t m0 x1aa4 h2e y6a21 ff4 fs19 fc3 sc0 ls40 ws44\">5,6<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1aa6 y6afa wdf3 h215\"><div class=\"t m0 x1ed h2c y65c7 ff4 fs17 fc3 sc0 ls21 ws20\">(\u00a3)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y655b wdf4 h1fe\"><div class=\"t m0 x1ed h1a y6640 ff1 fs5 fc3 sc0 ls5 ws0\">Outstanding at 1 January 2024<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1aa7 y655b wdf5 h1ff\"><div class=\"t m0 x1ed h1a y6640 ff4 fs5 fc3 sc0 ls5 ws5\">10,947,382</div></td><td class=\"c n x1aa8 y655b wdf6 h1ff\"><div class=\"t m0 x1ed h1a y6640 ff4 fs5 fc3 sc0 ls5 ws5\">47,068,204</div></td><td class=\"c n x1aa9 y655b wdf7 h1ff\"><div class=\"t m0 x1ed h1a y6640 ff4 fs5 fc3 sc0 ls5 ws5\">16,902,217<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1aaa y655b wdf8 h1ff\"><div class=\"t m0 x1ed h1a y6640 ff4 fs5 fc3 sc0 ls5 ws5\">4.49<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y6afd wdf9 h220\"><div class=\"t m0 x1ed h3b y6600 ff1 fs5 fc3 sc0 ls5 ws5\">Granted</div><div class=\"t m0 x1aab h3c y6601 ff1 fs1b fc3 sc0 ls2a ws29\">2,3<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1aac y655c wdfa h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">2,320,695</div></td><td class=\"c n x1aad y655c wdfb h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">25,712,216</div></td><td class=\"c n x1aae y655c wdfc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">9,707,454<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1aaf y655c w1cf h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y6afe wdfd h2a3\"><div class=\"t m0 x1ed h3b y6600 ff1 fs5 fc3 sc0 ls5 ws5\">Lapsed</div><div class=\"t m0 x1ab0 h9b y6601 ff4 fs1b fc3 sc0 ls0 ws0\">7<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xec5 y655d wdfe h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(2,703,518)</div></td><td class=\"c n x1ab1 y655d wdff h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(1,431,969)</div></td><td class=\"c n x1ab2 y655d we00 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(1,289,780)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ab3 y655d w9aa h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">4.88<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y6573 we01 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Vested/Exercised</div><div class=\"t m0 x9a0 h3c y65df ff1 fs1b fc3 sc0 ls0 ws0\">4<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ab4 y6573 we02 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(923,866)</div></td><td class=\"c n x1ab5 y6573 we03 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(19,654,725)</div></td><td class=\"c n x1ab6 y6573 we04 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(4,754,780)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ab7 y6573 wde8 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">3.42<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6574 we05 h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Outstanding at 31 December 2024<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ab8 y6574 we06 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">9,640,693</div></td><td class=\"c n x1ab9 y6574 we07 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">51,693,726</div></td><td class=\"c n x1aba y6574 we08 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">20,565,111<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1abb y6574 we09 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">5.48<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6560 wddc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Total number of securities available for issue <span class=\"_ _7\"></span>under the plan<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1abc y6560 we0a h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">9,640,693</div></td><td class=\"c n x1abd y6560 we0b h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">51,693,726</div></td><td class=\"c n x1abe y6560 we08 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">20,565,111<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1abf y6560 we09 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">5.48<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6575 we0c h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Percentage of the issued shares this represents as at 31 December 2024<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ac0 y6575 w55f h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">0.40<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ac1 y6575 we0d h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">2.13<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ac2 y6575 wf9 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">0.85<span class=\"_ _3eb\"> </span></div></td><td></td></tr><tr><td class=\"c n x1ee y658d we0e h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Exercisable as at 31 December 2024<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ac3 y658d w1cf h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ac4 y658d wc9d h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">250,094<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ac5 y658d we0f h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">1,121,867<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ac6 y658d wb1 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">3.78<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y658e we10 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Range of exercise prices (\u00a3)</div><div class=\"t m0 x5a1 h3c y65df ff1 fs1b fc3 sc0 ls0 ws0\">3<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ac7 y658e w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ac8 y658e w1cf h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013</div></td><td class=\"c n x1ac9 y658e we11 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">3.67 \u2013 6.10<span class=\"_ _3eb\"> </span></div></td><td></td></tr><tr><td class=\"c n x1ee y6577 wde6 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Intrinsic value of vested but not exercised <span class=\"_ _7\"></span>options ($ million)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1aca y6577 w85c h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">0.00<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1acb y6577 wa7a h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">3.10<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1acc y6577 wb9 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">8.57<span class=\"_ _3eb\"> </span></div></td><td></td></tr><tr><td class=\"c n x1ee y6566 wde9 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Weighted average contractual remaining life (years)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1acd y6566 w502 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">7.32<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ace y6566 we12 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">8.22<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1acc y6566 w3ac h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">2.58<span class=\"_ _3eb\"> </span></div></td><td></td></tr><tr><td class=\"c n x1ee y6567 wdec h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Weighted average share price for awards exercised <span class=\"_ _7\"></span>during the period (\u00a3)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1acf y6567 wd3e h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">6.60<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ad0 y6567 wdaf h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">6.68<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ad1 y6567 w8fa h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">8.20<span class=\"_ _3eb\"> </span></div></td><td></td></tr></table></div><div class=\"t m0 hb ff1 fs7 fc3 sc0 ls7 ws7 gs871\">1 <span class=\"_ _b\"> </span><span class=\"ff4\">Granted under the 2021 Plan and 2011 Plan. Employees do not contribute to <span class=\"_ _7\"></span>the cost of these awards.<span class=\"_ _3eb\"> </span></span></div><div class=\"t m0 hb ff1 fs7 fc3 sc0 ls7 ws7 gs872\">2 <span class=\"_ _f\"> </span><span class=\"ff4\">2,315,422 (LTIP) granted on 12 March 2024; 5,059 (LTIP) granted as a <span class=\"_ _7\"></span>notional dividend on 1 March 2024; 214 (LTIP) <span class=\"_ _7\"></span>granted as a notional dividend on 8 August 2024. </span></div><div class=\"t m0 hb ff4 fs7 fc3 sc0 ls7 ws7 gs873\">24,381,791 (Deferred shares) granted on 11 March 2024; <span class=\"_ _7\"></span>229,896 (Deferred shares) granted as a notional dividend <span class=\"_ _7\"></span>on 1 March 2024; 463,694 (Deferred shares) </div><div class=\"t m0 hb ff4 fs7 fc3 sc0 ls7 ws7 gs874\">granted on 17 June 2024; 86,702 (Deferred shares) <span class=\"_ _7\"></span>granted as a notional dividend on 8 August <span class=\"_ _7\"></span>2024; 287,533 (Deferred shares) granted on 23 September <span class=\"_ _7\"></span>2024; </div><div class=\"t m0 hb ff4 fs7 fc3 sc0 ls7 ws7 gs875\">262,600 (Deferred shares) granted on 18 November 2024; <span class=\"_ _7\"></span>9,707,454 (Sharesave) granted on 23 September 2024.<span class=\"_ _3eb\"> </span></div><div class=\"t m0 hb ff1 fs7 fc3 sc0 ls7 ws7 gs876\">3 <span class=\"_ _f\"> </span><span class=\"ff4\">No discretionary awards (LTIP or deferred/buy-out awards) have been granted in the form <span class=\"_ _7\"></span>of options since June 2015. For historic awards <span class=\"_ _7\"></span>granted as options and </span></div><div class=\"t m0 hb ff4 fs7 fc3 sc0 ls7 ws7 gs877\">exercised in the period to 31 December 2024, <span class=\"_ _7\"></span>the exercise price of deferred/ buy-out shares options <span class=\"_ _7\"></span>was nil.<span class=\"_ _3eb\"> </span></div><div class=\"t m0 hb ff1 fs7 fc3 sc0 ls7 ws7 gs878\">4 <span class=\"_ _e\"> </span><span class=\"ff4\">Share awards vested on 34 different dates in 2024 and the closing <span class=\"_ _7\"></span>share prices on the working days prior to <span class=\"_ _7\"></span>the vesting dates ranged from \u00a36.46 to \u00a39.91.<span class=\"_ _3eb\"> </span></span></div><div class=\"t m0 hb ff1 fs7 fc3 sc0 ls7 ws7 gs879\">5 <span class=\"_ _f\"> </span><span class=\"ff4\">The exercise price of Sharesave grants are determined with a <span class=\"_ _7\"></span>20% discount on the higher of the average <span class=\"_ _7\"></span>closing price of the 5 days prior to <span class=\"_ _7\"></span>invitation date or the </span></div><div class=\"t m0 hb ff4 fs7 fc3 sc0 ls7 ws7 gs87a\">closing share price of the last day prior <span class=\"_ _7\"></span>to invitation date. For Sharesave options granted in <span class=\"_ _7\"></span>2024, the exercise price is \u00a36.10 per share <span class=\"_ _7\"></span>calculated based on a 20% </div><div class=\"t m0 hb ff4 fs7 fc3 sc0 ls7 ws7 gs87b\">discount on \u00a37.62 which was the closing price <span class=\"_ _7\"></span>on the day prior to invitation date of <span class=\"_ _7\"></span>19 August 2024.<span class=\"_ _3eb\"> </span></div><div class=\"t m0 hb ff4 fs7 fc3 sc0 ls7 ws7 gs87c\">6 <span class=\"_ _e\"> </span>All Sharesave awards are in the form of options. The exercise price of Sharesave options is <span class=\"_ _7\"></span>\u00a36.10 for options granted in 2024 \u00a35.88 for <span class=\"_ _7\"></span>options granted in 2023, </div><div class=\"t m0 hb ff4 fs7 fc3 sc0 ls7 ws7 gs87d\">\u00a34.23<span class=\"_ gs1a2\"> </span>for options granted in 2022, \u00a33.67 for options <span class=\"_ _7\"></span>granted in 2021 and \u00a33.14 for options granted <span class=\"_ _7\"></span>in 2020.<span class=\"_ _3eb\"> </span></div><div class=\"t m0 hb ff4 fs7 fc3 sc0 ls7 ws7 gs87e\">7 <span class=\"_ _f\"> </span>No options or share awards were cancelled in the period.<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs87f\">See pages 176 and 177 of <span class=\"_ _7\"></span>the Standard Chartered PLC Annual Report 2024 <span class=\"_ _7\"></span>for information specific to Directors.</div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfSharebasedPaymentArrangementsExplanatory",
    "language": "en",
    "entity": "scheme:U4LOSYZ7YG4W3S5F2G91",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-725": {
   "value": "Accounting policy<span class=\"_ _3eb\"> </span>The Group operates equity-settled and cash-settled <span class=\"_ _7\"></span>share-based compensation plans. The fair value of <span class=\"_ _7\"></span>the employee services (measured by the fair value <span class=\"_ _7\"></span>of the awards granted) received in exchange <span class=\"_ _7\"></span>for the grant of the shares <span class=\"_ _7\"></span>and awards is<span class=\"_ gs36\"> </span>recognised as an expense. For deferred <span class=\"_ _7\"></span>share awards granted as part of an <span class=\"_ _7\"></span>annual performance award, the expense is<span class=\"_ gs36\"> </span>recognised over the period from the <span class=\"_ _7\"></span>start of the performance period to the <span class=\"_ _7\"></span>vesting date. For example, the expense <span class=\"_ _7\"></span>for three-year awards granted in 2025 in <span class=\"_ _7\"></span>respect of 2024 performance, which vest in <span class=\"_ _7\"></span>2026-2028, is recognised as an expense over the period from 1 January <span class=\"_ _7\"></span>2024 to the vesting dates in 2026-2028. <span class=\"_ _7\"></span>For all other awards, the expense <span class=\"_ _7\"></span>is recognised over the period from the date of <span class=\"_ _7\"></span>grant to the vesting date.<span class=\"_ _3eb\"> </span>For equity-settled awards, the total amount to be expensed over the vesting period is determined by reference to the fair value of the shares and awards <span class=\"_ _7\"></span>at the date of grant, which excludes <span class=\"_ _7\"></span>the impact of any non-market vesting <span class=\"_ _7\"></span>conditions (for<span class=\"_ gs36\"> </span>example, profitability and growth targets). The <span class=\"_ _7\"></span>fair value of equity instruments granted is <span class=\"_ _7\"></span>based on market prices, if<span class=\"_ gs36\"> </span>available, at the date of grant. <span class=\"_ _7\"></span>In the absence of market prices, the <span class=\"_ _7\"></span>fair value of the instruments is <span class=\"_ _7\"></span>estimated using an appropriate valuation technique, such as a <span class=\"_ _7\"></span>binomial option pricing model. Non-market vesting conditions <span class=\"_ _7\"></span>are included in<span class=\"_ gs36\"> </span>assumptions for the number of shares <span class=\"_ _7\"></span>and awards that are expected to vest.<span class=\"_ _3eb\"> </span>At each balance sheet date, the <span class=\"_ _7\"></span>Group revises its estimates of the number <span class=\"_ _7\"></span>of shares and awards that are <span class=\"_ _7\"></span>expected to vest. It<span class=\"_ gs36\"> </span>recognises the impact of the revision <span class=\"_ _7\"></span>of original estimates, if any, in the <span class=\"_ _7\"></span>income statement and a corresponding adjustment to equity over the remaining vesting <span class=\"_ _7\"></span>period. Forfeitures prior to vesting attributable to <span class=\"_ _7\"></span>factors other than the failure to <span class=\"_ _7\"></span>satisfy service conditions and non-market vesting conditions <span class=\"_ _7\"></span>are treated as a cancellation and the <span class=\"_ _7\"></span>remaining unamortised charge is<span class=\"_ gs36\"> </span>debited to the income statement at <span class=\"_ _7\"></span>the time of cancellation. The proceeds received <span class=\"_ _7\"></span>net of any directly attributable transaction costs are credited to share <span class=\"_ _7\"></span>capital (nominal value) and share premium when <span class=\"_ _7\"></span>awards in the form of options are<span class=\"_ gs36\"> </span>exercised. Cash-settled awards are revalued at each <span class=\"_ _7\"></span>balance sheet date and a liability recognised <span class=\"_ _7\"></span>on the balance sheet for all unpaid<span class=\"_ gs36\"> </span>amounts, with any changes in fair <span class=\"_ _7\"></span>value charged or credited to staff costs <span class=\"_ _7\"></span>in the income statement until the <span class=\"_ _7\"></span>awards are exercised. Where forfeitures occur prior <span class=\"_ _7\"></span>to vesting that are attributable to factors <span class=\"_ _7\"></span>other than a failure to satisfy <span class=\"_ _7\"></span>service conditions or market-based performance conditions, the <span class=\"_ _7\"></span>cumulative charge incurred up to the date <span class=\"_ _7\"></span>of forfeiture is credited to<span class=\"_ gs36\"> </span>the income statement.<span class=\"_ _3eb\"> </span>Other accounting <span class=\"_ _7\"></span>estimates and <span class=\"_ _7\"></span>judgements<span class=\"_ _3eb\"> </span>Share-based payments involve judgement and estimation <span class=\"_ _7\"></span>uncertainty exists when determining the expenses and <span class=\"_ _7\"></span>carrying values of share awards at the <span class=\"_ _7\"></span>balance sheet date. <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">LTIP awards are determined using an estimation of the probability of meeting <span class=\"_ _7\"></span>certain metrics over a three-year </span>performance period using the Monte Carlo <span class=\"_ _7\"></span>simulation model. <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">Deferred shares are determined using an estimation of expected dividends.</span> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">Sharesave Plan valuations are determined using a binomial option-pricing model<span class=\"_ _3eb\"> </span></span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForSharebasedPaymentTransactionsExplanatory",
    "language": "en",
    "entity": "scheme:U4LOSYZ7YG4W3S5F2G91",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-699": {
   "value": "32. Investments in <span class=\"_ _1b\"></span>subsidiary undertakings, joint ventures <span class=\"_ _7\"></span>and associates<span class=\"_ _3eb\"> </span>Accounting policy<span class=\"_ _3eb\"> </span>Associates and joint arrangements<span class=\"_ _3eb\"> </span>The Group did not have any <span class=\"_ _7\"></span>contractual interest in joint operations. Investments in associates and joint ventures <span class=\"_ _7\"></span>are accounted for by the equity method <span class=\"_ _7\"></span>of accounting and are initially recognised at cost. The Group\u2019s investment <span class=\"_ _7\"></span>in associates and joint ventures includes goodwill <span class=\"_ _7\"></span>identified on acquisition (net<span class=\"_ gs36\"> </span>of<span class=\"_ gs36\"> </span>any accumulated impairment loss). The Group\u2019s share of its associates\u2019 <span class=\"_ _7\"></span>and joint ventures\u2019 post-acquisition profits or losses <span class=\"_ _7\"></span>is recognised in the income statement, and its share of post-acquisition <span class=\"_ _7\"></span>movements in other comprehensive income is recognised <span class=\"_ _7\"></span>in reserves. The<span class=\"_ gs36\"> </span>cumulative post-acquisition movements are adjusted against <span class=\"_ _7\"></span>the carrying amount of the investment. When <span class=\"_ _7\"></span>the Group\u2019s<span class=\"_ gs36\"> </span>share of losses in an associate <span class=\"_ _7\"></span>or a joint venture equals or exceeds <span class=\"_ _7\"></span>its interest in the associate, including <span class=\"_ _7\"></span>any other unsecured receivables, the Group does not <span class=\"_ _7\"></span>recognise further losses, unless it has incurred <span class=\"_ _7\"></span>obligations or made payments on<span class=\"_ gs36\"> </span>behalf of the associate or joint <span class=\"_ _7\"></span>venture.<span class=\"_ _3eb\"> </span>Unrealised gains and losses on transactions <span class=\"_ _7\"></span>between the Group and its associates and <span class=\"_ _7\"></span>joint ventures are eliminated to the extent of the Group\u2019s interest in <span class=\"_ _7\"></span>the associates and joint ventures. At each <span class=\"_ _7\"></span>balance sheet date, the Group assesses <span class=\"_ _7\"></span>whether there is any objective evidence of <span class=\"_ _7\"></span>impairment in the investment in associates and <span class=\"_ _7\"></span>joint ventures. Such evidence includes a<span class=\"_ gs36\"> </span>significant or prolonged decline in the <span class=\"_ _7\"></span>fair value of the Group\u2019s investment in <span class=\"_ _7\"></span>an associate or joint venture below <span class=\"_ _7\"></span>its cost, among other factors.<span class=\"_ _3eb\"> </span>Significant accounting <span class=\"_ _7\"></span>estimates and <span class=\"_ _7\"></span>judgements<span class=\"_ _3eb\"> </span>The Group applies judgement in determining <span class=\"_ _7\"></span>if it has control, joint control or <span class=\"_ _7\"></span>significant influence over subsidiaries, joint ventures and associates respectively. These judgements <span class=\"_ _7\"></span>are based upon identifying the relevant activities <span class=\"_ _7\"></span>of counterparties, being those activities that significantly affect <span class=\"_ _7\"></span>the entities\u2019 returns, and further making a <span class=\"_ _7\"></span>decision of if the Group has <span class=\"_ _7\"></span>control over those entities, joint control, or <span class=\"_ _7\"></span>has significant influence (being the power to <span class=\"_ _7\"></span>participate in the financial and operating policy decisions but not control them). These judgements are at times determined <span class=\"_ _7\"></span>by equity holdings, and the voting rights <span class=\"_ _7\"></span>associated with those holdings. However, further considerations including but not <span class=\"_ _7\"></span>limited to board seats, advisory committee members <span class=\"_ _7\"></span>and specialist knowledge of some decision-makers are also <span class=\"_ _7\"></span>taken into account. Further judgement is required <span class=\"_ _7\"></span>when determining if the Group has de-facto control over an <span class=\"_ _7\"></span>entity even though it may hold less <span class=\"_ _7\"></span>than 50% of the voting shares <span class=\"_ _7\"></span>of that entity. Judgement is required to determine the <span class=\"_ _7\"></span>relative size of the Group\u2019s shareholding when <span class=\"_ _7\"></span>compared to the size and dispersion of other shareholders.<span class=\"_ _3eb\"> </span>Impairment testing of investments in associates <span class=\"_ _7\"></span>and joint ventures, and on a Company <span class=\"_ _7\"></span>level investments in subsidiaries is performed if there is a possible <span class=\"_ _7\"></span>indicator of impairment. Judgement is used to <span class=\"_ _7\"></span>determine if there is objective evidence <span class=\"_ _7\"></span>of impairment. Objective evidence may be observable <span class=\"_ _7\"></span>data such as losses incurred on the <span class=\"_ _7\"></span>investment when applying the equity method, the granting of concessions as <span class=\"_ _7\"></span>a result of financial difficulty, or breaches <span class=\"_ _7\"></span>of contracts/regulatory fines of the associate or joint venture. Further judgement <span class=\"_ _7\"></span>is required when considering broader indicators of <span class=\"_ _7\"></span>impairment such as losses of active markets or ratings downgrades across <span class=\"_ _7\"></span>key markets in which the associate or <span class=\"_ _7\"></span>joint venture operate in. Impairment testing is based on estimates <span class=\"_ _7\"></span>including forecasting the expected cash flows from <span class=\"_ _7\"></span>the investments, growth rates, terminal values and the discount rate <span class=\"_ _7\"></span>used in calculation of the present values <span class=\"_ _7\"></span>of those cash flows. The estimation <span class=\"_ _7\"></span>of future cash flows and the level to <span class=\"_ _7\"></span>which they are discounted is inherently uncertain <span class=\"_ _7\"></span>and requires significant judgement.<span class=\"_ _3eb\"> </span>Business combinations<span class=\"_ _3eb\"> </span>The acquisition method of accounting is <span class=\"_ _7\"></span>used to account for the acquisition of <span class=\"_ _7\"></span>subsidiaries by the Group. In the Company\u2019s financial statements, investment <span class=\"_ _7\"></span>in subsidiaries, associates and joint ventures are <span class=\"_ _7\"></span>held at cost less impairment and dividends from pre-acquisition profits <span class=\"_ _7\"></span>received prior to 1 January 2009, if <span class=\"_ _7\"></span>any. Inter-company transactions, balances and unrealised gains and losses <span class=\"_ _7\"></span>on transactions between Group companies are eliminated <span class=\"_ _7\"></span>in the Group accounts.<span class=\"_ _3eb\"> </span><table class=\"s we13 h2a4\" id=\"_02c5ed94-15ca-4c2a-b5f9-d4d54ba3efe2\"><tr><td></td><td class=\"t m1 x230 h38 y6aff ff5 fs17 fc0 sc0 ls21 ws20\">2025 </td><td class=\"t m1 x231 h39 y6aff ff1 fs17 fc3 sc0 ls21 ws20\">2024 </td></tr><tr><td class=\"t m1 x235 h8 y6b00 ff5 fs5 fc3 sc0 ls5 ws5\">Standard Chartered PLC (Company) investments in subsidiary <span class=\"_ _7\"></span>undertakings<span class=\"_ _3eb\"> </span></td><td class=\"t m1 x233 h38 y6b00 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m1 x234 h2c y6b00 ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c n x1ee y658d wc24 h202\"><div class=\"t m1 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">As at 1 January<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ad2 y658d we14 h203\"><div class=\"t m1 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">61,593<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ad3 y658d w61f h203\"><div class=\"t m1 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">60,791<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y66bd we15 h203\"><div class=\"t m1 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Additions</div><div class=\"t m1 x1ad4 h3c y660d ff1 fs1b fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ad5 y6610 w4a1 h203\"><div class=\"t m1 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">2,823<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ad6 y6610 w9e8 h203\"><div class=\"t m1 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">1,631<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y6b01 we16 h21c\"><div class=\"t m1 x1ed h3b y6600 ff1 fs5 fc3 sc0 ls5 ws5\">Disposal</div><div class=\"t m1 x1ad7 h3c y6601 ff1 fs1b fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x14d7 y6577 w214 h203\"><div class=\"t m1 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(1,000)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ad8 y6577 w2cc h203\"><div class=\"t m1 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(803)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y665a waab h21c\"><div class=\"t m1 x1ed h3b y6600 ff1 fs5 fc3 sc0 ls5 ws0\">Other Movements</div><div class=\"t m1 x4c3 h3c y6601 ff1 fs1b fc3 sc0 ls0 ws0\">3<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x992 y6566 w66 h203\"><div class=\"t m1 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">26<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ad9 y6566 w3b5 h203\"><div class=\"t m1 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(26)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6567 waac h203\"><div class=\"t m1 x1ed h3d y655f ff5 fs5 fc3 sc0 ls5 ws5\">As at 31 December<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ada y6567 we17 h203\"><div class=\"t m1 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">63,442<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1adb y6567 we18 h203\"><div class=\"t m1 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">61,593<span class=\"_ _3eb\"> </span></div></td></tr></table>1 <span class=\"_ _b\"> </span><span class=\"ff4\">Includes internal AT1 issuances of $2,800 million by Standard Chartered Bank (Hong Kong) <span class=\"_ _7\"></span>and $23 million by Standard Chartered Holdings Ltd <span class=\"_ _7\"></span>Limited </span>(31 December 2024: Includes internal AT1 issuances of <span class=\"_ _7\"></span>$980 million by Standard Chartered Bank, $600 million <span class=\"_ _7\"></span>additional investment in Standard Chartered Holdings<span class=\"_ gs1a2\"> </span>Limited).<span class=\"_ _3eb\"> </span>2 <span class=\"_ _f\"> </span><span class=\"ff4\">Includes redemption of AT1 capital of $1,000 million by Standard Chartered Bank <span class=\"_ _7\"></span>(Hong Kong) Limited (31 December 2024: redemption of <span class=\"_ _7\"></span>preference share capital </span>of $553 million by Standard Chartered Bank Singapore <span class=\"_ _7\"></span>Limited and additional Tier 1 capital of $250 <span class=\"_ _7\"></span>million by Standard Chartered Bank).<span class=\"_ _3eb\"> </span>3 <span class=\"_ _f\"> </span><span class=\"ff4\">2025 movement related to reversal of realised translation gain $26 million on redemption <span class=\"_ _7\"></span>of AT1 securities of SGD 750 million ($553 <span class=\"_ _7\"></span>million) upon disposal. 2024 </span>relates to realised translation gain ($26 million) on <span class=\"_ _7\"></span>redemption of AT1 securities of SGD 750 million <span class=\"_ _7\"></span>($553 million).<span class=\"_ _3eb\"> </span>A complete list of subsidiary undertakings <span class=\"_ _7\"></span>is included in Note 41.<span class=\"_ _3eb\"> </span><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs8ae\">During 2025 the Group disposed of <span class=\"_ _7\"></span>its indirectly held investments in subsidiaries and <span class=\"_ _7\"></span>the gain/loss on disposal were Standard </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs8af\">Chartered Research and Technology India Private <span class=\"_ _7\"></span>Limited (gain: $238 million including translation adjustment <span class=\"_ _7\"></span>loss: $3 million), </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs8b0\">Fourtwothree Pte. Ltd (gain: $1.8 million), <span class=\"_ _7\"></span>Standard Chartered Bank Gambia Limited (loss: $5.4 <span class=\"_ _7\"></span>million including translation </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs8b1\">adjustment loss: $8 million), Standard Chartered <span class=\"_ _7\"></span>Bank Cameroon S.A. (loss: $5.3 million including <span class=\"_ _7\"></span>translation adjustment loss: </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs8b2\">$9 million) and Tawi Fresh Kenya <span class=\"_ _7\"></span>Limited (loss: $0.5 million). </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs8b3\">While the Group\u2019s subsidiaries are subject <span class=\"_ _7\"></span>to local statutory capital and liquidity requirements <span class=\"_ _7\"></span>in relation to foreign exchange </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs8b4\">remittance, these restrictions arise in the <span class=\"_ _7\"></span>normal course of business and do not <span class=\"_ _7\"></span>significantly restrict the Group\u2019s ability to <span class=\"_ _7\"></span>access </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs8b5\">or use assets and settle liabilities <span class=\"_ _7\"></span>of the Group. </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs8b6\">The Group does not have significant <span class=\"_ _7\"></span>restrictions on its ability to access or <span class=\"_ _7\"></span>use its assets and settle its <span class=\"_ _7\"></span>liabilities other than those </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs8b7\">resulting from the regulatory framework within <span class=\"_ _7\"></span>which the banking subsidiaries operate. These frameworks <span class=\"_ _7\"></span>require banking </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs8b8\">operations to keep certain levels of <span class=\"_ _7\"></span>regulatory capital, liquid assets, exposure limits and <span class=\"_ _7\"></span>comply with other required ratios. </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs8b9\">These<span class=\"_ gs36\"> </span>restrictions are summarised below:<span class=\"_ _3eb\"> </span></div><div class=\"t m0 hc ff7 fs8 fc2 sc0 ls8 wsb gs8ba\">Regulatory and liquidity <span class=\"_ _7\"></span>requirements<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs8bb\">The Group\u2019s subsidiaries are required to <span class=\"_ _7\"></span>maintain minimum capital, leverage ratios, liquidity and <span class=\"_ _7\"></span>exposure ratios which therefore </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs8bc\">restrict the ability of these subsidiaries <span class=\"_ _7\"></span>to distribute cash or other assets to <span class=\"_ _7\"></span>the parent company.<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs8bd\">The subsidiaries are also required to <span class=\"_ _7\"></span>maintain balances with central banks and other <span class=\"_ _7\"></span>regulatory authorities in the countries </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs8be\">in<span class=\"_ gs36\"> </span>which they operate. At 31 December <span class=\"_ _7\"></span>2025, the total cash and balances with <span class=\"_ _7\"></span>central banks was $78 billion (31 <span class=\"_ _7\"></span>December 2024: </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs8bf\">$63 billion) of which $12 billion <span class=\"_ _7\"></span>(31 December 2024: $8 billion) is restricted. </div><div class=\"t m0 hc ff6 fs8 fc2 sc0 ls8 ws0 gs8c0\">Statutory requirements </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs8c1\">The Group\u2019s subsidiaries are subject to <span class=\"_ _7\"></span>statutory requirements not to make distributions of <span class=\"_ _7\"></span>capital and unrealised profits to </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs8c2\">the<span class=\"_ gs36\"> </span>parent company, generally to maintain solvency. <span class=\"_ _7\"></span>These requirements restrict the ability of subsidiaries <span class=\"_ _7\"></span>to remit dividends to </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs8c3\">the Group. Certain subsidiaries are also <span class=\"_ _7\"></span>subject to local exchange control regulations which <span class=\"_ _7\"></span>provide for restrictions on exporting </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs8c4\">capital from the country other than <span class=\"_ _7\"></span>through normal dividends.<span class=\"_ _3eb\"> </span></div><div class=\"t m0 hc ff6 fs8 fc2 sc0 ls8 ws0 gs8c5\">Contractual requirements<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs8c6\">The encumbered assets in the balance <span class=\"_ _7\"></span>sheet of the Group\u2019s subsidiaries are not <span class=\"_ _7\"></span>available for transfer around the Group. </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs8c7\">Share of profit from investment in <span class=\"_ _7\"></span>associates and joint ventures comprises:<span class=\"_ _3eb\"> </span></div><div class=\"gs8c8\"><table class=\"s we19 h2a5\" id=\"_073ddbe8-587a-4b0e-9a5f-3c9d5464729d\"><tr><td></td><td class=\"t m0 x8f8 h38 y6b02 ff5 fs17 fc0 sc0 ls21 ws20\">2025 </td><td class=\"t m0 x60a h39 y6b02 ff1 fs17 fc3 sc0 ls21 ws20\">2024 </td></tr><tr><td></td><td class=\"t m0 x1eb h38 y6b03 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x12b1 h2c y6b03 ff4 fs17 fc3 sc0 ls21 ws20\">$million\ue004<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c n x1ee y6577 we1a h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Loss from Investment in Joint Ventures<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x12de y6577 w95 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(13)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1adc y6577 w7aa h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(10)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6566 we1b h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Profit from Investment in Associates<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1add y6566 w4cd h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">75<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x98a y6566 we1c h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">118<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6567 w49a h203\"><div class=\"t m0 x1ed h3d y655f ff5 fs5 fc3 sc0 ls5 ws5\">Total<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ade y6567 w66 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">62<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1adf y6567 w67 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">108<span class=\"_ _3eb\"> </span></div></td></tr></table></div><div class=\"gs8c9\"><table class=\"s w61a h2a6\" id=\"_af599564-f13d-496e-8df3-c10b6c018c68\"><tr><td></td><td class=\"t m0 x1e8 h38 y6b04 ff5 fs17 fc0 sc0 ls21 ws20\">2025 </td><td class=\"t m0 x1e9 h39 y6b04 ff1 fs17 fc3 sc0 ls21 ws20\">2024 </td></tr><tr><td class=\"t m0 x221 h8 y6b05 ff5 fs5 fc3 sc0 ls5 ws5\">Interests in associates and joint ventures<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1eb h38 y6b05 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1ec h2c y6b05 ff4 fs17 fc3 sc0 ls21 ws20\">$million\ue004<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c n x1ee y6573 wc24 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">As at 1 January<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ae0 y6573 we1d h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">1,020<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ae1 y6573 w398 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">966<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6574 we1e h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Exchange translation difference<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ae2 y6574 w7be h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">64<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2ad y6574 wab7 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(40)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y6b06 we1f h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Additions</div><div class=\"t m0 x1ae3 h3c y660d ff1 fs1b fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x804 y6560 we7 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">370<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ae4 y6560 w5d2 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">22<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6575 we20 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Share of profits<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ae5 y6575 we21 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">88<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ae6 y6575 wa9a h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">108<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y6b07 we22 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Dividend received</div><div class=\"t m0 x1ae7 h3c y65df ff1 fs1b fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x804 y658d wb25 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(47)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ae8 y658d w497 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(36)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y6b08 we23 h231\"><div class=\"t m0 x1ed h3b y6600 ff1 fs5 fc3 sc0 ls5 ws5\">Impairment</div><div class=\"t m0 x630 h3c y667e ff1 fs1b fc3 sc0 ls0 ws0\">3<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x609 y658e wad h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(41)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ae9 y658e w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6659 we24 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Share of FVOCI and Other reserves<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1aea y6659 wa3 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(28)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1aeb y6659 wa8 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">9<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6826 w494 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Other movements<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1aec y6826 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1aed y6826 w4c8 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(9)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6567 waac h203\"><div class=\"t m0 x1ed h3d y655f ff5 fs5 fc3 sc0 ls5 ws5\">As at 31 December<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1aee y6567 w188 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">1,426<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9ae y6567 wde h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">1,020<span class=\"_ _3eb\"> </span></div></td></tr></table></div><div class=\"t m0 hb ff1 fs7 fc3 sc0 ls7 ws7 gs8ca\">1 <span class=\"_ _b\"> </span><span class=\"ff4\">Includes investment in Jumbotail Technologies Private Limited for $344 million.<span class=\"_ _3eb\"> </span></span></div><div class=\"t m0 hb ff1 fs7 fc3 sc0 ls7 ws7 gs8cb\">2 <span class=\"_ _f\"> </span><span class=\"ff4\">Includes $45 million capital distribution from Ascenta IV.<span class=\"_ _3eb\"> </span></span></div><div class=\"t m0 hb ff1 fs7 fc3 sc0 ls7 ws7 gs8cc\">3 <span class=\"_ _f\"> </span><span class=\"ff4\">Includes $15 million impairment of SBI Zodia Custody Company Limited, $26 million relating <span class=\"_ _7\"></span>to Group\u2019s share of Profits from Bohai recognised <span class=\"_ _7\"></span>in Q4 2025.<span class=\"_ _3eb\"> </span></span></div><div class=\"t m0 hc ff6 fs8 fc2 sc0 ls8 ws0 gs8ce\">Material Associates<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs8cf\">A complete list of the Group\u2019s <span class=\"_ _7\"></span>interest in associates is included in note <span class=\"_ _7\"></span>41. Summarised below are those considered <span class=\"_ _7\"></span>material:<span class=\"_ _3eb\"> </span></div><div class=\"t m0 hc ff6 fs8 fc2 sc0 ls8 ws0 gs8d0\">Jumbotail Technologies Private Ltd (JTPL)<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs8d1\">On acquisition through the SCRTIPL transaction <span class=\"_ _7\"></span>(refer to Note 6), the Group acquired <span class=\"_ _7\"></span>a 46.55 per cent shareholding in <span class=\"_ _7\"></span>JTPL, </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs8d2\">a<span class=\"_ gs36\"> </span>company incorporated in India. The carrying <span class=\"_ _7\"></span>value as of 31<span class=\"_ gs36\"> </span>December 2025 was $344 <span class=\"_ _7\"></span>million. JTPL is engaged in business-to-<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls1b ws1a gs8d3\">business e-commerce. As <span class=\"_ _7\"></span>a result of the <span class=\"_ _1b\"></span>acquisition, the Group has significant influence <span class=\"_ _7\"></span>over the investee <span class=\"_ _7\"></span>through its shareholding </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs8d4\">and accounts for its interest based <span class=\"_ _7\"></span>on the application of the equity method. <span class=\"_ _7\"></span>The Group\u2019s share of the associate\u2019s <span class=\"_ _7\"></span>results since </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs8d5\">acquisition are immaterial.<span class=\"_ _3eb\"> </span></div><div class=\"t m0 hc ff6 fs8 fc2 sc0 ls8 ws0 gs8d6\">China Bohai Bank<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs8d7\">The Group\u2019s ownership percentage in China <span class=\"_ _7\"></span>Bohai Bank is 16.26%.<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs8d8\">Although the Group\u2019s investment in China <span class=\"_ _7\"></span>Bohai Bank is less than 20 per <span class=\"_ _7\"></span>cent, it is an associate because <span class=\"_ _7\"></span>of the significant </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs8d9\">influence the Group can exercise over <span class=\"_ _7\"></span>its management and financial and operating policies. <span class=\"_ _7\"></span>This influence is exercised through </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs8da\">Board representation and the provision of <span class=\"_ _7\"></span>technical expertise to Bohai. The Group applies <span class=\"_ _7\"></span>the equity method of accounting </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs8db\">for<span class=\"_ gs36\"> </span>investments in associates.<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs8dc\">If the Group did not have <span class=\"_ _7\"></span>significant influence over Bohai, the investment would <span class=\"_ _7\"></span>be measured at fair value rather <span class=\"_ _7\"></span>than the </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs8dd\">current carrying value, which is based <span class=\"_ _7\"></span>on the application of the equity method <span class=\"_ _7\"></span>as described in the accounting policy <span class=\"_ _7\"></span>note.<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs8de\">Bohai publishes their results after the <span class=\"_ _7\"></span>Group. As it is impracticable for Bohai <span class=\"_ _7\"></span>to prepare financial statements sooner, the <span class=\"_ _7\"></span>Group </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs8df\">recognises its share of Bohai\u2019s earnings <span class=\"_ _7\"></span>on a three-month lag basis. Therefore, the <span class=\"_ _7\"></span>Group recognised its share of Bohai\u2019s <span class=\"_ _7\"></span>profits </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs8e0\">and movements in other comprehensive income <span class=\"_ _7\"></span>from 1 October 2024 through 30 September <span class=\"_ _7\"></span>2025 (one year of earnings) in </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs8e1\">the<span class=\"_ gs36\"> </span>Group\u2019s consolidated statement of income and <span class=\"_ _7\"></span>consolidated statement of comprehensive income for the <span class=\"_ _7\"></span>year ended </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs8e2\">31 December 2025, also considering any <span class=\"_ _7\"></span>known changes or events in the subsequent <span class=\"_ _7\"></span>period from 1 October 2025 to <span class=\"_ _7\"></span><span class=\"ff1 ls0 ws0\"> </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs8e3\">31 December 2025 that would have <span class=\"_ _7\"></span>materially affected Bohai\u2019s results.<span class=\"_ _3eb\"> </span></div><div class=\"t m0 hc ff6 fs8 fc2 sc0 ls8 ws0 gs8e4\">Impairment testing<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs8e5\">On 31 December 2025, the listed <span class=\"_ _7\"></span>equity value of Bohai is below the <span class=\"_ _7\"></span>carrying amount of the Group\u2018s investment <span class=\"_ _7\"></span>in associate. </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs8e6\">The<span class=\"_ gs36\"> </span>Group has assessed that the investment <span class=\"_ _7\"></span>in Bohai remains impaired until there is <span class=\"_ _7\"></span>greater clarity around the macroeconomic </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs8e7\">outlook in China and the resumption <span class=\"_ _7\"></span>of dividends by Bohai. The Group also <span class=\"_ _7\"></span>assessed the carrying value of its <span class=\"_ _7\"></span>investment </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs8e8\">in<span class=\"_ gs36\"> </span>Bohai for impairment and, considering that <span class=\"_ _7\"></span>the investment cannot be recognised at a <span class=\"_ _7\"></span>carrying amount higher than its </div><div class=\"t m0 h9 ff1 fs2 fc3 sc0 ls2 ws0 gs8e9\">recoverable amount at the reporting date, has not recognised the Group\u2019s share of Bohai\u2019s profit for the final quarter of 2025 </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs8ea\">($26 million). Accumulated impairment is $1,485 <span class=\"_ _7\"></span>million as at 31 December 2025 ($Nil <span class=\"_ _7\"></span>impairment charge for the year ended </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs8eb\">31 December 2024; $1,459 million of <span class=\"_ _7\"></span>accumulated impairment as at 31 December 2024). <span class=\"_ _7\"></span>The financial forecasts used to estimate </div><div class=\"t m0 h9 ff1 fs2 fc3 sc0 ls2 ws0 gs8ec\">the recoverable amount, a VIU calculation, reflects Group management\u2019s best estimate of Bohai\u2019s future earnings, in line with </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs8ed\">current economic conditions and Bohai\u2019s latest <span class=\"_ _7\"></span>reported results.<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs8ee\">The carrying value of the Group\u2019s <span class=\"_ _7\"></span>investment in Bohai of $883 million (2024: <span class=\"_ _7\"></span>$738 million) represents the higher of <span class=\"_ _7\"></span>the value </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs8ef\">in<span class=\"_ gs36\"> </span>use and fair value less costs <span class=\"_ _7\"></span>of disposal. The $145 million increase to <span class=\"_ _7\"></span>the carrying amount during 2025 reflects <span class=\"_ _7\"></span>the Group\u2019s </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs8f0\">share of profits of $113 million <span class=\"_ _7\"></span>(which is net of AT1 dividends of <span class=\"_ _7\"></span>$6 million and $26 million of <span class=\"_ _7\"></span>impairment); other comprehensive </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs8f1\">loss of $35 million and net <span class=\"_ _7\"></span>of foreign exchange profits of $67 million. </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs8f2\">The Group\u2019s share of profits and <span class=\"_ _7\"></span>the 2025 impairment are included in \u2018Profit <span class=\"_ _7\"></span>from associates and joint ventures\u2019 on <span class=\"_ _7\"></span>the </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs8f3\">Consolidated Income Statement.<span class=\"_ _3eb\"> </span></div><div class=\"gs8f4\"><table class=\"s we25 h2a7\" id=\"_da3f39a5-3998-4a1d-a483-a3931d03af62\"><tr><td></td><td class=\"t m0 x2fb h38 y6b09 ff5 fs17 fc0 sc0 ls21 ws20\">31.12.25 <span class=\"ff2 ls0 ws0\"> </span></td><td class=\"t m0 xbf0 h2c y6b09 ff4 fs17 fc3 sc0 ls21 ws20\">31.12.24 <span class=\"ff1 ls0 ws0\"> </span></td></tr><tr><td class=\"t m0 x235 h38 y6b0a ff5 fs17 fc3 sc0 ls21 ws20\">Bohai<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x233 h38 y6b0a ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x234 h2c y6b0a ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c n x1ee y662b we26 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">VIU<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1aef y662b wb18 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">883<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1af0 y662b w343 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">738<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y6b0b we27 h21c\"><div class=\"t m0 x1ed h3b y6600 ff1 fs5 fc3 sc0 ls5 ws0\">Carrying amount</div><div class=\"t m0 x1af1 h3c y6601 ff1 fs1b fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1af2 y662c wb18 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">883<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1af3 y662c w343 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">738<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y6567 we28 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Market capitalisation</div><div class=\"t m0 x1af4 h3c y660d ff1 fs1b fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1af2 y662d w37c h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">360<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1af5 y662d wa94 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">338<span class=\"_ _3eb\"> </span></div></td></tr></table></div><div class=\"t m0 hb ff1 fs7 fc3 sc0 ls7 ws7 gs8f5\">1 <span class=\"_ _b\"> </span><span class=\"ff4\">The Group\u2019s 16.26% share in the net assets less other equity instruments which <span class=\"_ _7\"></span>the Group does not hold.<span class=\"_ _3eb\"> </span></span></div><div class=\"t m0 hb ff1 fs7 fc3 sc0 ls7 ws7 gs8f6\">2 <span class=\"_ _f\"> </span><span class=\"ff4\">Number of shares held by the Group multiplied by the quoted share <span class=\"_ _7\"></span>price at period end.<span class=\"_ _3eb\"> </span></span></div><div class=\"t m0 hc ff6 fs8 fc2 sc0 ls8 ws0 gs8f8\">Basis of recoverable amount<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs8f9\">The impairment test was performed by <span class=\"_ _7\"></span>comparing the recoverable amount of Bohai, determined <span class=\"_ _7\"></span>as the higher of VIU and <span class=\"_ _7\"></span>fair </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs8fa\">value less costs to dispose, with <span class=\"_ _7\"></span>its carrying amount.<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs8fb\">The VIU is calculated using a <span class=\"_ _7\"></span>dividend discount model (DDM), which estimates the <span class=\"_ _7\"></span>distributable future cashflows to the equity </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs8fc\">holders, after adjusting for regulatory capital <span class=\"_ _7\"></span>requirements, for a 5 year period, after <span class=\"_ _7\"></span>which a terminal value (TV) is <span class=\"_ _7\"></span>calculated </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs8fd\">based on the Price to Earnings <span class=\"_ _7\"></span>(P/E) exit multiple. The key assumptions in <span class=\"_ _7\"></span>the VIU are as follows:</div><div class=\"t m0 h5 ff1 fs2 fc3 sc0 ls0 ws0 gs8fe\"> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">Short to medium term projections are based on Group management\u2019s best estimates <span class=\"_ _7\"></span>of future profits available to ordinary </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs8ff\">shareholders and have been determined with <span class=\"_ _7\"></span>reference to the latest published financial results, <span class=\"_ _7\"></span>the historical performance </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs900\">of<span class=\"_ gs36\"> </span>Bohai and forward looking macro-economic variables <span class=\"_ _7\"></span>for China.</div><div class=\"t m0 h5 ff1 fs2 fc3 sc0 ls0 ws0 gs901\"> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">The projections use available information and include normalised performance over the forecast <span class=\"_ _7\"></span>period, inclusive of: </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs902\">(i)<span class=\"_ gs36\"> </span>balance sheet growth assumptions based on <span class=\"_ _7\"></span>the short to medium term GDP growth <span class=\"_ _7\"></span>rates for China; (ii) Net Interest </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs903\">Income (NII) projecting interest income (primarily <span class=\"_ _7\"></span>the 1-year Loan Prime Rate, 1-year LPR, <span class=\"_ _7\"></span>as basis) and interest expense </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs904\">(Shanghai Interbank Offered Rate, 3m SHIBOR, <span class=\"_ _7\"></span>as basis) which reference forecasted third-party market <span class=\"_ _7\"></span>interest rates, </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs905\">adjusted for the observed historic spread <span class=\"_ _7\"></span>against the benchmark rate; (iii) Non-interest income <span class=\"_ _7\"></span>estimated according to </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs906\">the<span class=\"_ gs36\"> </span>latest available performance of Bohai, with <span class=\"_ _7\"></span>consideration of the contribution of the constituent <span class=\"_ _7\"></span>parts of the non-interest </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs907\">income; (iv) Operating expense based on <span class=\"_ _7\"></span>historical performance of Bohai and growth consistent <span class=\"_ _7\"></span>with the short to medium </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs908\">term GDP growth rates applied to <span class=\"_ _7\"></span>balance sheet projections; (v) ECL assumptions using <span class=\"_ _7\"></span>Bohai\u2019s historical reported ECL, </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs909\">based on the proportion of ECL <span class=\"_ _7\"></span>from loans and advances to customers and <span class=\"_ _7\"></span>financial investments measured at amortised </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs90a\">cost and FVOCI; and (vi) Statutory <span class=\"_ _7\"></span>tax rate of 25% was applied to <span class=\"_ _7\"></span>the taxable profit of Bohai, after <span class=\"_ _7\"></span>consideration of taxable </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs90b\">and non-taxable elements, consistent with historical <span class=\"_ _7\"></span>reported results;</div><div class=\"t m0 h5 ff1 fs2 fc3 sc0 ls0 ws0 gs90c\"> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">The distributable reserves under the DDM are calculated as the difference between <span class=\"_ _7\"></span>the capital resources and the capital </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs90d\">requirements in each of the forecast <span class=\"_ _7\"></span>periods. The calculation assumes a target CET1 <span class=\"_ _7\"></span>capital ratio and risk weighted asset </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs90e\">(RWA) growth consistent with total assets.</div><div class=\"t m0 h5 ff1 fs2 fc3 sc0 ls0 ws0 gs90f\"> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">The discount rate applied to these cash flows was estimated with reference <span class=\"_ _7\"></span>to a capital asset pricing model <span class=\"_ _7\"></span>(CAPM), which </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs910\">includes a long-term risk-free rate, beta, <span class=\"_ _7\"></span>and company risk premium assumptions for Bohai; <span class=\"_ _7\"></span>and</div><div class=\"t m0 h5 ff1 fs2 fc3 sc0 ls0 ws0 gs911\"> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">A long-term average P/E multiple of comparable companies is used to derive <span class=\"_ _7\"></span>a TV after the five year <span class=\"_ _7\"></span>forecast period.<span class=\"_ _3eb\"> </span></span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs912\">The VIU model was refined during <span class=\"_ _7\"></span>2025 to include more granular forecasting assumptions <span class=\"_ _7\"></span>for each period. While it is </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs913\">impracticable for the Group to estimate <span class=\"_ _7\"></span>the impact on future periods, the key <span class=\"_ _7\"></span>changes to the 2025 model are <span class=\"_ _7\"></span>summarised </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs914\">as<span class=\"_ gs36\"> </span>follows:</div><div class=\"t m0 h5 ff1 fs2 fc3 sc0 ls0 ws0 gs915\"> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">The Group continues to calculate non-interest income with reference to the five <span class=\"_ _7\"></span>components, i.e., net gains on financial </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs916\">investments through P/L, net gains on <span class=\"_ _7\"></span>financial investments through OCI, net fee and <span class=\"_ _7\"></span>commission income, net trading </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs917\">income and other income. All components <span class=\"_ _7\"></span>of non-interest income continue to be grown <span class=\"_ _7\"></span>by the relevant GDP rate for <span class=\"_ _7\"></span>China </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs918\">over the forecasted period. However, the <span class=\"_ _7\"></span>Group changed the returns forecasted for the <span class=\"_ _7\"></span>financial investments through </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs919\">P/L<span class=\"_ gs36\"> </span>over the forecast period, by using <span class=\"_ _7\"></span>the most recent reported returns as the <span class=\"_ _7\"></span>starting point, normalising such returns to <span class=\"_ _7\"></span>a </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs91a\">long-term average over the forecast period. <span class=\"_ _7\"></span>Previously, the return of this component of <span class=\"_ _7\"></span>non-interest income was normalised </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs91b\">to the long-term average from the <span class=\"_ _7\"></span>start of the forecast period (year 1), <span class=\"_ _7\"></span>and then grown according to relevant <span class=\"_ _7\"></span>GDP rate </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs91c\">of<span class=\"_ gs36\"> </span>China. As a result of this <span class=\"_ _7\"></span>change, the year 1 total forecasted non-interest <span class=\"_ _7\"></span>income is more aligned to the <span class=\"_ _7\"></span>recently reported </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs91d\">results, but due to the normalisation <span class=\"_ _7\"></span>affect, the implied growth is negligible.<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs91f\">The key assumptions used for the <span class=\"_ _7\"></span>VIU calculation: </div><div class=\"gs920\"><table class=\"s we48 h2aa\" id=\"_403fa3b4-93a3-4ad6-a59f-010635f82794\"><tr><td></td><td class=\"c n x1b22 y6b16 we49 h215\"><div class=\"t m0 x1ed h2c y65c7 ff5 fs17 fc0 sc0 ls21 ws20\">31.12.25<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b23 y6b16 w4ba h215\"><div class=\"t m0 x1ed h2c y65c7 ff4 fs17 fc3 sc0 ls21 ws20\">31.12.24<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y6b17 we4a h25c\"><div class=\"t m0 x1ed h3b y6600 ff1 fs5 fc3 sc0 ls5 ws0\">Post-tax discount rate</div><div class=\"t m0 x1b24 h3c y667e ff1 fs1b fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b25 y6b18 we4b h1ff\"><div class=\"t m0 x1ed h3d y6548 ff7 fs5 fc3 sc0 ls5 ws5\">10.0%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b26 y6b18 w5ce h1ff\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">10.5%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6b19 we4c h1ff\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">Total balance-sheet (and risk weighted assets) growth <span class=\"_ _7\"></span>rate<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b27 y6b19 we4d h1ff\"><div class=\"t m0 x1ed h3d y6548 ff7 fs5 fc3 sc0 ls5 ws5\">3.33% \u2013 4.59%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b28 y6b19 we4e h1ff\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">3.77% \u2013 4.52%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6b1a we32 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">P/E multiple used to calculate TV<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b29 y6b1a we4f h1ff\"><div class=\"t m0 x1ed h3d y6548 ff7 fs5 fc3 sc0 ls5 ws5\">5.7x<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b2a y6b1a wb19 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">5.6x<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y6a52 we50 h220\"><div class=\"t m0 x1ed h3b y6600 ff1 fs5 fc3 sc0 ls5 ws0\">Interest income</div><div class=\"t m0 x1b2b h3c y6601 ff1 fs1b fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x391 y68c3 we51 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff7 fs5 fc3 sc0 ls5 ws5\">3.12% \u2013 3.20%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b2c y68c3 we52 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">3.00% \u2013 3.56%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y6b1b we53 h25c\"><div class=\"t m0 x1ed h3b y6600 ff1 fs5 fc3 sc0 ls5 ws0\">Interest expense</div><div class=\"t m0 x1b2d h3c y667e ff1 fs1b fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b00 y6695 we54 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff7 fs5 fc3 sc0 ls5 ws5\">1.78% \u2013 1.85%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b2e y6695 we55 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">1.77% \u2013 2.01%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y65f3 we39 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">Non-interest income \u2013 financial investments return<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b2f y65f3 we56 h201\"><div class=\"t m0 x1ed h3d y6548 ff7 fs5 fc3 sc0 ls5 ws5\">2.24% \u2013 3.55%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b30 y65f3 we57 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">1.91%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y68a8 we3c h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Other non-interest income growth rate<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b31 y68a8 we4d h201\"><div class=\"t m0 x1ed h3d y6548 ff7 fs5 fc3 sc0 ls5 ws5\">3.33% \u2013 4.59%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b32 y68a8 we4e h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">3.77% \u2013 4.52%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y6b1c we58 h25c\"><div class=\"t m0 x1ed h3b y6600 ff1 fs5 fc3 sc0 ls5 ws0\">Operating expense</div><div class=\"t m0 x1b33 h3c y667e ff1 fs1b fc3 sc0 ls0 ws0\">3<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b1c y68a9 we4d h201\"><div class=\"t m0 x1ed h3d y6548 ff7 fs5 fc3 sc0 ls5 ws5\">3.33% \u2013 4.59%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b34 y68a9 we4e h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">3.77% \u2013 4.52%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y6b1d we59 h25c\"><div class=\"t m0 x1ed h3b y6600 ff1 fs5 fc3 sc0 ls5 ws0\">Expected credit losses as a percentage of customer loans</div><div class=\"t m0 x1b35 h3c y667e ff1 fs1b fc3 sc0 ls0 ws0\">4<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x6c8 y68ab we5a h201\"><div class=\"t m0 x1ed h3d y6548 ff7 fs5 fc3 sc0 ls5 ws5\">0.77%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b36 y68ab we5b h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">0.84% \u2013 1.36%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x235 h1a y6b1e ff4 fs5 fc3 sc0 ls5 ws5\">Expected credit losses as a percentage of <span class=\"_ _7\"></span>financial investments measured at amortised cost </td><td></td><td></td></tr><tr><td class=\"c x1ee y6b1f we5c h25c\"><div class=\"t m0 x1ed h3b y6600 ff1 fs5 fc3 sc0 ls5 ws0\">and FVOCI</div><div class=\"t m0 x11c6 h3c y667e ff1 fs1b fc3 sc0 ls0 ws0\">4<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x6c8 y6659 we5d h201\"><div class=\"t m0 x1ed h3d y6548 ff7 fs5 fc3 sc0 ls5 ws5\">0.57%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b37 y6659 we5e h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">0.48% \u2013 1.26%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y665a we5f h220\"><div class=\"t m0 x1ed h3b y6600 ff1 fs5 fc3 sc0 ls5 ws0\">Effective tax rate</div><div class=\"t m0 x1af1 h3c y6601 ff1 fs1b fc3 sc0 ls0 ws0\">5<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b38 y6566 we60 h201\"><div class=\"t m0 x1ed h3d y6548 ff7 fs5 fc3 sc0 ls5 ws5\">12.77% \u2013 12.96%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b39 y6566 we61 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">5.4% \u2013 14.1%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6567 we47 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Capital maintenance ratio<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b3a y6567 wb2b h201\"><div class=\"t m0 x1ed h3d y6548 ff7 fs5 fc3 sc0 ls5 ws5\">8.00%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b3b y6567 wc4 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">8.00%<span class=\"_ _3eb\"> </span></div></td></tr></table></div><div class=\"t m0 hb ff1 fs7 fc3 sc0 ls7 ws7 gs921\">1 <span class=\"_ _b\"> </span><span class=\"ff4\">Pre-tax discount rate of 15.87 per cent was used in 2025 (2024: 15.31 <span class=\"_ _7\"></span>per cent). The difference in pre-tax discount rates <span class=\"_ _7\"></span>relates to changes in effective tax rate.<span class=\"_ _3eb\"> </span></span></div><div class=\"t m0 hb ff1 fs7 fc3 sc0 ls7 ws7 gs922\">2 <span class=\"_ _f\"> </span><span class=\"ff4\">One-year LPR and three-month SHIBOR rate forecasts were sourced from an external <span class=\"_ _7\"></span>third-party provider, and with a spread derived from <span class=\"_ _7\"></span>long-term historical </span></div><div class=\"t m0 hb ff4 fs7 fc3 sc0 ls7 ws7 gs923\">averages, are used to produce the interest income <span class=\"_ _7\"></span>and interest expense forecasts.<span class=\"_ _3eb\"> </span></div><div class=\"t m0 hb ff1 fs7 fc3 sc0 ls7 ws7 gs924\">3 <span class=\"_ _f\"> </span><span class=\"ff4\">As at 31 December 2025, a growth rate of 4.86 per cent was <span class=\"_ _7\"></span>applied to the FY 2024 operating expense base, <span class=\"_ _7\"></span>the rate being derived from the projected GDP </span></div><div class=\"t m0 hb ff4 fs7 fc3 sc0 ls7 ws7 gs925\">growth<span class=\"_ gs1a2\"> </span>rate for China in 2025. In the prior <span class=\"_ _7\"></span>year the operating expense base was the annualised <span class=\"_ _7\"></span>H1 2024 balance, applying apportioned growth rate assumptions. </div><div class=\"t m0 hb ff4 fs7 fc3 sc0 ls7 ws7 gs926\">The current year approach results in higher forecasted <span class=\"_ _7\"></span>operating expenses.<span class=\"_ _3eb\"> </span></div><div class=\"t m0 hb ff1 fs7 fc3 sc0 ls7 ws7 gs927\">4 <span class=\"_ _e\"> </span><span class=\"ff4\">As 31 December 2024 the low end of the range was based <span class=\"_ _7\"></span>on historical loss rates, and the high end <span class=\"_ _7\"></span>of the range, applied in one of the <span class=\"_ _7\"></span>forecast years, included </span></div><div class=\"t m0 hb ff4 fs7 fc3 sc0 ls7 ws7 gs928\">adjustments for incremental judgemental management overlays. As at <span class=\"_ _7\"></span>31 December 2025 the ECL assumption is based <span class=\"_ _7\"></span>on historical loss rates with an adjustment </div><div class=\"t m0 hb ff4 fs7 fc3 sc0 ls7 ws7 gs929\">for<span class=\"_ gs1a2\"> </span>incremental judgemental management overlays, applied over the five-year <span class=\"_ _7\"></span>forecast period.<span class=\"_ _3eb\"> </span></div><div class=\"t m0 hb ff1 fs7 fc3 sc0 ls7 ws7 gs92a\">5 <span class=\"_ _f\"> </span><span class=\"ff4\">The tax rates disclosed are the implied effective tax rates <span class=\"_ _7\"></span>(per cent) over the five-year forecast period. The <span class=\"_ _7\"></span>31 December 2025 tax expense forecasts, calculated </span></div><div class=\"t m0 hb ff4 fs7 fc3 sc0 ls7 ws7 gs92b\">from<span class=\"_ gs1a2\"> </span>the taxable profit, considered the long-term historical average <span class=\"_ _7\"></span>of non-taxable income of 17.18 per cent ( <span class=\"_ _7\"></span>2024: 16.09 per cent) and non-deductible expenses </div><div class=\"t m0 hb ff4 fs7 fc3 sc0 ls7 ws7 gs92c\">of<span class=\"_ gs1a2\"> </span>14.56<span class=\"_ gs1a2\"> </span>per cent (2024: 12.53 per cent). A statutory <span class=\"_ _7\"></span>tax rate of 25 per cent was applied <span class=\"_ _7\"></span>to the taxable profit of Bohai, after consideration <span class=\"_ _7\"></span>of taxable and <span class=\"ff1 ls0 ws0\"> </span></div><div class=\"t m0 hb ff4 fs7 fc3 sc0 ls7 ws7 gs92d\">non-taxable<span class=\"_ gs1a2\"> </span>elements.<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs92e\">The table below discloses sensitivities to <span class=\"_ _7\"></span>the key assumptions of Bohai, according to <span class=\"_ _7\"></span>management\u2019s judgement of reasonably </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs92f\">possible changes. Changes were applied to <span class=\"_ _7\"></span>every cash flow year on an individual <span class=\"_ _7\"></span>basis. The percentage change to the </div><div class=\"t m0 h9 ff1 fs2 fc3 sc0 ls2 ws0 gs930\">assumptions reflects the level at which management assess the reasonableness of the assumptions used and their impact </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs931\">on<span class=\"_ gs36\"> </span>the Value in Use. </div><div class=\"gs932\"><table class=\"s we29 h2a8\" id=\"_38126f0a-80e3-4b92-9874-61d88867a3d1\"><tr><td></td><td></td><td class=\"t m0 x127c h38 y6b0c ff5 fs17 fc0 sc0 ls21 ws20\">Key assumption </td><td class=\"t m0 x1af6 h38 y6b0c ff5 fs17 fc0 sc0 ls21 ws20\">Key assumption </td></tr><tr><td></td><td></td><td class=\"t m0 x1af7 h38 y6b0d ff2 fs17 fc0 sc0 ls21 ws20\">increase<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1a70 h38 y6b0d ff5 fs17 fc0 sc0 ls21 ws20\">decrease<span class=\"_ _3eb\"> </span></td></tr><tr><td></td><td></td><td class=\"t m0 x1af8 h38 y6b0e ff5 fs17 fc0 sc0 ls21 ws20\">Increase/<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x4bb h38 y6b0e ff5 fs17 fc0 sc0 ls21 ws20\">Increase/<span class=\"_ _3eb\"> </span></td></tr><tr><td></td><td></td><td class=\"t m0 xbee h38 y6b0f ff5 fs17 fc0 sc0 ls21 ws20\">(decrease) <span class=\"ff2 ls0 ws0\"> </span></td><td class=\"t m0 x1af9 h38 y6b0f ff5 fs17 fc0 sc0 ls21 ws20\">(decrease) <span class=\"ff2 ls0 ws0\"> </span></td></tr><tr><td></td><td></td><td class=\"t m0 x2e2 h38 y6b10 ff5 fs17 fc0 sc0 ls21 ws20\">in VIU <span class=\"ff2 ls0 ws0\"> </span></td><td class=\"t m0 x66b h38 y6b10 ff5 fs17 fc0 sc0 ls21 ws20\">in VIU <span class=\"ff2 ls0 ws0\"> </span></td></tr><tr><td class=\"c x1ee y6b11 we2a h2a9\"><div class=\"t m0 x1ed h38 y6563 ff5 fs17 fc3 sc0 ls21 ws20\">Sensitivities</div><div class=\"t m0 x182f h1d4 y65fd ff6 fs19 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x1afa h38 y6b12 ff2 fs17 fc0 sc0 ls21 ws0\">basis points<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1afb h38 y6b12 ff5 fs17 fc0 sc0 ls21 ws20\">$ million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1a6f h38 y6b12 ff5 fs17 fc0 sc0 ls21 ws20\">$ million<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c n x1ee y6996 we2b h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Discount Rate<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1afc y6996 we2c h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">100<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1afd y6996 we2d h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws0\">(31)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1afe y6996 we2e h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws0\">33<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y6b13 we2f h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Total balance sheet (and risk weighted asset) <span class=\"_ _7\"></span>growth rate</div><div class=\"t m0 x1aff h3c y65df ff1 fs1b fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b00 y6998 w39d h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">100<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b01 y6998 we30 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws0\">(40)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b02 y6998 we31 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws0\">38<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6999 we32 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">P/E multiple used to calculate TV<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b03 y6999 we33 h203\"><div class=\"t m0 x1ed h3d y655f ff7 fs5 fc3 sc0 ls5 ws5\">1.0x<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b04 y6999 wd25 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws0\">112<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b05 y6999 wa59 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws0\">(112)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y681f we34 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Net interest income \u2013 Scenario 1</div><div class=\"t m0 x163a h3c y65df ff1 fs1b fc3 sc0 ls0 ws0\">3<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b06 y68c3 w3d2 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">10<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b07 y68c3 w4b4 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws0\">(19)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b08 y68c3 w473 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws0\">19<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y6820 we35 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Net interest income \u2013 Scenario 2</div><div class=\"t m0 x1b09 h3c y65df ff1 fs1b fc3 sc0 ls0 ws0\">4<span class=\"_ _3eb\"> </span></div></td><td class=\"c x1b0b y6695 we36 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">Various</div><div class=\"t m0 x1b0a h93 y6657 ff6 fs1b fc3 sc0 ls0 ws0\">4<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b0c y6695 we37 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws0\">375<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b0d y6695 we38 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws0\">(234)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6b14 we39 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">Non-interest income \u2013 financial investments return<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b0e y6b14 we2c h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">100<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b0f y6b14 we3a h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws0\">295<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa99 y6b14 we3b h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws0\">(295)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y65f4 we3c h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Other non-interest income growth rate<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b10 y65f4 we2c h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">100<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b11 y65f4 we3d h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws0\">54<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b12 y65f4 w3a4 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(52)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y65f5 we3e h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Operating expense<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b13 y65f5 w39d h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">100<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b14 y65f5 we3f h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(70)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x289 y65f5 w476 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">68<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y65f6 we40 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Expected credit losses as a percentage of customer loans<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b15 y65f6 w3d2 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">10<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b16 y65f6 we41 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws0\">(147)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b17 y65f6 we42 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws0\">147<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x235 h1a y6b15 ff4 fs5 fc3 sc0 ls5 ws5\">Expected credit losses as a percentage of <span class=\"_ _7\"></span>financial investments measured at amortised </td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y6577 we43 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">cost and FVOCI<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b18 y6577 wa9 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">10<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b19 y6577 w27d h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws0\">(86)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b1a y6577 we44 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws0\">85<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y665a we45 h231\"><div class=\"t m0 x1ed h3b y6600 ff1 fs5 fc3 sc0 ls5 ws0\">Tax expense</div><div class=\"t m0 x1b1b h3c y667e ff1 fs1b fc3 sc0 ls0 ws0\">5<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b1c y6566 w98c h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">300<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b1d y6566 we46 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws0\">27<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b1e y6566 wa3 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws0\">(28)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6567 we47 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Capital maintenance ratio<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b1f y6567 w38e h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">50<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b20 y6567 w3a4 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws0\">(25)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b21 y6567 w3e7 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws0\">25<span class=\"_ _3eb\"> </span></div></td></tr></table></div><div class=\"t m0 hb ff1 fs7 fc3 sc0 ls7 ws7 gs933\">1 <span class=\"_ _b\"> </span><span class=\"ff4\">For comparative information as at 31 December 2024, refer to page 365 of <span class=\"_ _7\"></span>the Group\u2019s Annual Report 2024.<span class=\"_ _3eb\"> </span></span></div><div class=\"t m0 hb ff1 fs7 fc3 sc0 ls7 ws7 gs934\">2 <span class=\"_ _f\"> </span><span class=\"ff4\">The sensitivity reflects the net impact of changing this assumption in the <span class=\"_ _7\"></span>VIU, which links to various elements in forecast <span class=\"_ _7\"></span>profit and regulatory capital adjustment.<span class=\"_ _3eb\"> </span></span></div><div class=\"t m0 hba ff1 fs7 fc3 sc0 ls7 ws7 gs935\">3 <span class=\"_ _f\"> </span><span class=\"ws0\">This scenario assumes that one-year LPR and three-month SHIBOR increase or decrease by the same amount, to demonstrate the impact on the carrying amount </span></div><div class=\"t m0 hb ff4 fs7 fc3 sc0 ls7 ws7 gs936\">of a similar scenario.<span class=\"_ _3eb\"> </span></div><div class=\"t m0 hb ff1 fs7 fc3 sc0 ls7 ws7 gs937\">4 <span class=\"_ _e\"> </span><span class=\"ff4\">An alternative scenario is that Bohai\u2019s asset yield and liability cost move <span class=\"_ _7\"></span>in the same direction, albeit by different amounts, <span class=\"_ _7\"></span>through the five-year forecast period </span></div><div class=\"t m0 hb ff4 fs7 fc3 sc0 ls7 ws7 gs938\">including the terminal value. The key assumption increase <span class=\"_ _7\"></span>sensitivity assumes that asset yields increase by 25 <span class=\"_ _7\"></span>basis points and liability costs increase by 10 <span class=\"_ _7\"></span>basis </div><div class=\"t m0 hb ff4 fs7 fc3 sc0 ls7 ws7 gs939\">points in each period. The key assumption decrease <span class=\"_ _7\"></span>sensitivity assumes that asset yields decrease by 25 <span class=\"_ _7\"></span>basis points and liability costs decrease by 15 <span class=\"_ _7\"></span>basis points </div><div class=\"t m0 hb ff4 fs7 fc3 sc0 ls7 ws7 gs93a\">in<span class=\"_ gs1a2\"> </span>each period.<span class=\"_ _3eb\"> </span></div><div class=\"t m0 hb ff1 fs7 fc3 sc0 ls7 ws7 gs93b\">5 <span class=\"_ _f\"> </span><span class=\"ff4\">Changes in tax expense applied only to both average percentages <span class=\"_ _7\"></span>of non-taxable income (17.18 per cent) and non-deductible <span class=\"_ _7\"></span>expenses (14.56 per cent). </span></div><div class=\"t m0 hb ff4 fs7 fc3 sc0 ls7 ws7 gs93c\">Refer<span class=\"_ gs1a2\"> </span>to<span class=\"_ gs1a2\"> </span>footnote 5 of the key assumptions table for <span class=\"_ _7\"></span>more details.<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs93e\">The following table sets out the <span class=\"_ _7\"></span>summarised financial statements of China Bohai Bank <span class=\"_ _7\"></span>prior to the Group\u2019s share of <span class=\"_ _7\"></span>the </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs93f\">associate\u2019s profit being applied:<span class=\"_ _3eb\"> </span></div><div class=\"gs940\"><table class=\"s we62 h2ab\" id=\"_96199673-b6a4-4e6c-b8a5-877edd0c16e3\"><tr><td></td><td class=\"t m0 x10c7 h38 y6b20 ff5 fs17 fc0 sc0 ls21 ws20\">30.09.25 </td><td class=\"t m0 x10c8 h2c y6b20 ff4 fs17 fc3 sc0 ls21 ws20\">30.09.24 </td></tr><tr><td></td><td class=\"t m0 x1eb h38 y6b21 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1ec h2c y6b21 ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c n x1ee y6575 w2d6 h1fe\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Total assets<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b3c y6575 we63 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">272,513<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b3d y6575 we64 h1fe\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">244,510<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6562 w2f5 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">Total liabilities<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b3e y6562 we65 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">256,337<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b3f y6562 we66 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">229,259<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y6b01 we67 h220\"><div class=\"t m0 x1ed h3b y6600 ff1 fs5 fc3 sc0 ls5 ws0\">Operating income</div><div class=\"t m0 x803 h3c y6601 ff1 fs1b fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7b2 y6577 w7b2 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">3,472<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b40 y6577 we68 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">3,583<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y665a we1f h220\"><div class=\"t m0 x1ed h3b y6600 ff1 fs5 fc3 sc0 ls5 ws0\">Net profit</div><div class=\"t m0 x1ae3 h3c y6601 ff1 fs1b fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x804 y6566 w40d h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">762<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b41 y6566 w421 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">681<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y6963 we69 h25c\"><div class=\"t m0 x1ed h3b y6600 ff1 fs5 fc3 sc0 ls5 ws0\">Other comprehensive income</div><div class=\"t m0 xfce h3c y667e ff1 fs1b fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b42 y6567 w58a h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(219)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b43 y6567 w30f h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">69<span class=\"_ _3eb\"> </span></div></td></tr></table></div><div class=\"t m0 hb ff1 fs7 fc3 sc0 ls7 ws7 gs941\">1 <span class=\"_ _b\"> </span><span class=\"ff4\">This represents twelve months of earnings (1 October to 30 September).</span></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfSignificantInvestmentsInSubsidiariesExplanatory",
    "language": "en",
    "entity": "scheme:U4LOSYZ7YG4W3S5F2G91",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-688": {
   "value": "32. Investments in <span class=\"_ _1b\"></span>subsidiary undertakings, joint ventures <span class=\"_ _7\"></span>and associates<span class=\"_ _3eb\"> </span>Accounting policy<span class=\"_ _3eb\"> </span>Associates and joint arrangements<span class=\"_ _3eb\"> </span>The Group did not have any <span class=\"_ _7\"></span>contractual interest in joint operations. Investments in associates and joint ventures <span class=\"_ _7\"></span>are accounted for by the equity method <span class=\"_ _7\"></span>of accounting and are initially recognised at cost. The Group\u2019s investment <span class=\"_ _7\"></span>in associates and joint ventures includes goodwill <span class=\"_ _7\"></span>identified on acquisition (net<span class=\"_ gs36\"> </span>of<span class=\"_ gs36\"> </span>any accumulated impairment loss). The Group\u2019s share of its associates\u2019 <span class=\"_ _7\"></span>and joint ventures\u2019 post-acquisition profits or losses <span class=\"_ _7\"></span>is recognised in the income statement, and its share of post-acquisition <span class=\"_ _7\"></span>movements in other comprehensive income is recognised <span class=\"_ _7\"></span>in reserves. The<span class=\"_ gs36\"> </span>cumulative post-acquisition movements are adjusted against <span class=\"_ _7\"></span>the carrying amount of the investment. When <span class=\"_ _7\"></span>the Group\u2019s<span class=\"_ gs36\"> </span>share of losses in an associate <span class=\"_ _7\"></span>or a joint venture equals or exceeds <span class=\"_ _7\"></span>its interest in the associate, including <span class=\"_ _7\"></span>any other unsecured receivables, the Group does not <span class=\"_ _7\"></span>recognise further losses, unless it has incurred <span class=\"_ _7\"></span>obligations or made payments on<span class=\"_ gs36\"> </span>behalf of the associate or joint <span class=\"_ _7\"></span>venture.<span class=\"_ _3eb\"> </span>Unrealised gains and losses on transactions <span class=\"_ _7\"></span>between the Group and its associates and <span class=\"_ _7\"></span>joint ventures are eliminated to the extent of the Group\u2019s interest in <span class=\"_ _7\"></span>the associates and joint ventures. At each <span class=\"_ _7\"></span>balance sheet date, the Group assesses <span class=\"_ _7\"></span>whether there is any objective evidence of <span class=\"_ _7\"></span>impairment in the investment in associates and <span class=\"_ _7\"></span>joint ventures. Such evidence includes a<span class=\"_ gs36\"> </span>significant or prolonged decline in the <span class=\"_ _7\"></span>fair value of the Group\u2019s investment in <span class=\"_ _7\"></span>an associate or joint venture below <span class=\"_ _7\"></span>its cost, among other factors.<span class=\"_ _3eb\"> </span>Significant accounting <span class=\"_ _7\"></span>estimates and <span class=\"_ _7\"></span>judgements<span class=\"_ _3eb\"> </span>The Group applies judgement in determining <span class=\"_ _7\"></span>if it has control, joint control or <span class=\"_ _7\"></span>significant influence over subsidiaries, joint ventures and associates respectively. These judgements <span class=\"_ _7\"></span>are based upon identifying the relevant activities <span class=\"_ _7\"></span>of counterparties, being those activities that significantly affect <span class=\"_ _7\"></span>the entities\u2019 returns, and further making a <span class=\"_ _7\"></span>decision of if the Group has <span class=\"_ _7\"></span>control over those entities, joint control, or <span class=\"_ _7\"></span>has significant influence (being the power to <span class=\"_ _7\"></span>participate in the financial and operating policy decisions but not control them). These judgements are at times determined <span class=\"_ _7\"></span>by equity holdings, and the voting rights <span class=\"_ _7\"></span>associated with those holdings. However, further considerations including but not <span class=\"_ _7\"></span>limited to board seats, advisory committee members <span class=\"_ _7\"></span>and specialist knowledge of some decision-makers are also <span class=\"_ _7\"></span>taken into account. Further judgement is required <span class=\"_ _7\"></span>when determining if the Group has de-facto control over an <span class=\"_ _7\"></span>entity even though it may hold less <span class=\"_ _7\"></span>than 50% of the voting shares <span class=\"_ _7\"></span>of that entity. Judgement is required to determine the <span class=\"_ _7\"></span>relative size of the Group\u2019s shareholding when <span class=\"_ _7\"></span>compared to the size and dispersion of other shareholders.<span class=\"_ _3eb\"> </span>Impairment testing of investments in associates <span class=\"_ _7\"></span>and joint ventures, and on a Company <span class=\"_ _7\"></span>level investments in subsidiaries is performed if there is a possible <span class=\"_ _7\"></span>indicator of impairment. Judgement is used to <span class=\"_ _7\"></span>determine if there is objective evidence <span class=\"_ _7\"></span>of impairment. Objective evidence may be observable <span class=\"_ _7\"></span>data such as losses incurred on the <span class=\"_ _7\"></span>investment when applying the equity method, the granting of concessions as <span class=\"_ _7\"></span>a result of financial difficulty, or breaches <span class=\"_ _7\"></span>of contracts/regulatory fines of the associate or joint venture. Further judgement <span class=\"_ _7\"></span>is required when considering broader indicators of <span class=\"_ _7\"></span>impairment such as losses of active markets or ratings downgrades across <span class=\"_ _7\"></span>key markets in which the associate or <span class=\"_ _7\"></span>joint venture operate in. Impairment testing is based on estimates <span class=\"_ _7\"></span>including forecasting the expected cash flows from <span class=\"_ _7\"></span>the investments, growth rates, terminal values and the discount rate <span class=\"_ _7\"></span>used in calculation of the present values <span class=\"_ _7\"></span>of those cash flows. The estimation <span class=\"_ _7\"></span>of future cash flows and the level to <span class=\"_ _7\"></span>which they are discounted is inherently uncertain <span class=\"_ _7\"></span>and requires significant judgement.<span class=\"_ _3eb\"> </span>Business combinations<span class=\"_ _3eb\"> </span>The acquisition method of accounting is <span class=\"_ _7\"></span>used to account for the acquisition of <span class=\"_ _7\"></span>subsidiaries by the Group. In the Company\u2019s financial statements, investment <span class=\"_ _7\"></span>in subsidiaries, associates and joint ventures are <span class=\"_ _7\"></span>held at cost less impairment and dividends from pre-acquisition profits <span class=\"_ _7\"></span>received prior to 1 January 2009, if <span class=\"_ _7\"></span>any. Inter-company transactions, balances and unrealised gains and losses <span class=\"_ _7\"></span>on transactions between Group companies are eliminated <span class=\"_ _7\"></span>in the Group accounts.<span class=\"_ _3eb\"> </span><table class=\"s we13 h2a4\" id=\"_02c5ed94-15ca-4c2a-b5f9-d4d54ba3efe2\"><tr><td></td><td class=\"t m1 x230 h38 y6aff ff5 fs17 fc0 sc0 ls21 ws20\">2025 </td><td class=\"t m1 x231 h39 y6aff ff1 fs17 fc3 sc0 ls21 ws20\">2024 </td></tr><tr><td class=\"t m1 x235 h8 y6b00 ff5 fs5 fc3 sc0 ls5 ws5\">Standard Chartered PLC (Company) investments in subsidiary <span class=\"_ _7\"></span>undertakings<span class=\"_ _3eb\"> </span></td><td class=\"t m1 x233 h38 y6b00 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m1 x234 h2c y6b00 ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c n x1ee y658d wc24 h202\"><div class=\"t m1 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">As at 1 January<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ad2 y658d we14 h203\"><div class=\"t m1 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">61,593<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ad3 y658d w61f h203\"><div class=\"t m1 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">60,791<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y66bd we15 h203\"><div class=\"t m1 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Additions</div><div class=\"t m1 x1ad4 h3c y660d ff1 fs1b fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ad5 y6610 w4a1 h203\"><div class=\"t m1 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">2,823<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ad6 y6610 w9e8 h203\"><div class=\"t m1 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">1,631<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y6b01 we16 h21c\"><div class=\"t m1 x1ed h3b y6600 ff1 fs5 fc3 sc0 ls5 ws5\">Disposal</div><div class=\"t m1 x1ad7 h3c y6601 ff1 fs1b fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x14d7 y6577 w214 h203\"><div class=\"t m1 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(1,000)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ad8 y6577 w2cc h203\"><div class=\"t m1 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(803)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y665a waab h21c\"><div class=\"t m1 x1ed h3b y6600 ff1 fs5 fc3 sc0 ls5 ws0\">Other Movements</div><div class=\"t m1 x4c3 h3c y6601 ff1 fs1b fc3 sc0 ls0 ws0\">3<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x992 y6566 w66 h203\"><div class=\"t m1 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">26<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ad9 y6566 w3b5 h203\"><div class=\"t m1 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(26)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6567 waac h203\"><div class=\"t m1 x1ed h3d y655f ff5 fs5 fc3 sc0 ls5 ws5\">As at 31 December<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ada y6567 we17 h203\"><div class=\"t m1 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">63,442<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1adb y6567 we18 h203\"><div class=\"t m1 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">61,593<span class=\"_ _3eb\"> </span></div></td></tr></table>1 <span class=\"_ _b\"> </span><span class=\"ff4\">Includes internal AT1 issuances of $2,800 million by Standard Chartered Bank (Hong Kong) <span class=\"_ _7\"></span>and $23 million by Standard Chartered Holdings Ltd <span class=\"_ _7\"></span>Limited </span>(31 December 2024: Includes internal AT1 issuances of <span class=\"_ _7\"></span>$980 million by Standard Chartered Bank, $600 million <span class=\"_ _7\"></span>additional investment in Standard Chartered Holdings<span class=\"_ gs1a2\"> </span>Limited).<span class=\"_ _3eb\"> </span>2 <span class=\"_ _f\"> </span><span class=\"ff4\">Includes redemption of AT1 capital of $1,000 million by Standard Chartered Bank <span class=\"_ _7\"></span>(Hong Kong) Limited (31 December 2024: redemption of <span class=\"_ _7\"></span>preference share capital </span>of $553 million by Standard Chartered Bank Singapore <span class=\"_ _7\"></span>Limited and additional Tier 1 capital of $250 <span class=\"_ _7\"></span>million by Standard Chartered Bank).<span class=\"_ _3eb\"> </span>3 <span class=\"_ _f\"> </span><span class=\"ff4\">2025 movement related to reversal of realised translation gain $26 million on redemption <span class=\"_ _7\"></span>of AT1 securities of SGD 750 million ($553 <span class=\"_ _7\"></span>million) upon disposal. 2024 </span>relates to realised translation gain ($26 million) on <span class=\"_ _7\"></span>redemption of AT1 securities of SGD 750 million <span class=\"_ _7\"></span>($553 million).<span class=\"_ _3eb\"> </span>A complete list of subsidiary undertakings <span class=\"_ _7\"></span>is included in Note 41.<span class=\"_ _3eb\"> </span>During 2025 the Group disposed of <span class=\"_ _7\"></span>its indirectly held investments in subsidiaries and <span class=\"_ _7\"></span>the gain/loss on disposal were Standard Chartered Research and Technology India Private <span class=\"_ _7\"></span>Limited (gain: $238 million including translation adjustment <span class=\"_ _7\"></span>loss: $3 million), Fourtwothree Pte. Ltd (gain: $1.8 million), <span class=\"_ _7\"></span>Standard Chartered Bank Gambia Limited (loss: $5.4 <span class=\"_ _7\"></span>million including translation adjustment loss: $8 million), Standard Chartered <span class=\"_ _7\"></span>Bank Cameroon S.A. (loss: $5.3 million including <span class=\"_ _7\"></span>translation adjustment loss: $9 million) and Tawi Fresh Kenya <span class=\"_ _7\"></span>Limited (loss: $0.5 million). While the Group\u2019s subsidiaries are subject <span class=\"_ _7\"></span>to local statutory capital and liquidity requirements <span class=\"_ _7\"></span>in relation to foreign exchange remittance, these restrictions arise in the <span class=\"_ _7\"></span>normal course of business and do not <span class=\"_ _7\"></span>significantly restrict the Group\u2019s ability to <span class=\"_ _7\"></span>access or use assets and settle liabilities <span class=\"_ _7\"></span>of the Group. The Group does not have significant <span class=\"_ _7\"></span>restrictions on its ability to access or <span class=\"_ _7\"></span>use its assets and settle its <span class=\"_ _7\"></span>liabilities other than those resulting from the regulatory framework within <span class=\"_ _7\"></span>which the banking subsidiaries operate. These frameworks <span class=\"_ _7\"></span>require banking operations to keep certain levels of <span class=\"_ _7\"></span>regulatory capital, liquid assets, exposure limits and <span class=\"_ _7\"></span>comply with other required ratios. These<span class=\"_ gs36\"> </span>restrictions are summarised below:<span class=\"_ _3eb\"> </span>Regulatory and liquidity <span class=\"_ _7\"></span>requirements<span class=\"_ _3eb\"> </span>The Group\u2019s subsidiaries are required to <span class=\"_ _7\"></span>maintain minimum capital, leverage ratios, liquidity and <span class=\"_ _7\"></span>exposure ratios which therefore restrict the ability of these subsidiaries <span class=\"_ _7\"></span>to distribute cash or other assets to <span class=\"_ _7\"></span>the parent company.<span class=\"_ _3eb\"> </span>The subsidiaries are also required to <span class=\"_ _7\"></span>maintain balances with central banks and other <span class=\"_ _7\"></span>regulatory authorities in the countries in<span class=\"_ gs36\"> </span>which they operate. At 31 December <span class=\"_ _7\"></span>2025, the total cash and balances with <span class=\"_ _7\"></span>central banks was $78 billion (31 <span class=\"_ _7\"></span>December 2024: $63 billion) of which $12 billion <span class=\"_ _7\"></span>(31 December 2024: $8 billion) is restricted. Statutory requirements The Group\u2019s subsidiaries are subject to <span class=\"_ _7\"></span>statutory requirements not to make distributions of <span class=\"_ _7\"></span>capital and unrealised profits to the<span class=\"_ gs36\"> </span>parent company, generally to maintain solvency. <span class=\"_ _7\"></span>These requirements restrict the ability of subsidiaries <span class=\"_ _7\"></span>to remit dividends to the Group. Certain subsidiaries are also <span class=\"_ _7\"></span>subject to local exchange control regulations which <span class=\"_ _7\"></span>provide for restrictions on exporting capital from the country other than <span class=\"_ _7\"></span>through normal dividends.<span class=\"_ _3eb\"> </span>Contractual requirements<span class=\"_ _3eb\"> </span>The encumbered assets in the balance <span class=\"_ _7\"></span>sheet of the Group\u2019s subsidiaries are not <span class=\"_ _7\"></span>available for transfer around the Group. Share of profit from investment in <span class=\"_ _7\"></span>associates and joint ventures comprises:<span class=\"_ _3eb\"> </span><table class=\"s we19 h2a5\" id=\"_073ddbe8-587a-4b0e-9a5f-3c9d5464729d\"><tr><td></td><td class=\"t m0 x8f8 h38 y6b02 ff5 fs17 fc0 sc0 ls21 ws20\">2025 </td><td class=\"t m0 x60a h39 y6b02 ff1 fs17 fc3 sc0 ls21 ws20\">2024 </td></tr><tr><td></td><td class=\"t m0 x1eb h38 y6b03 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x12b1 h2c y6b03 ff4 fs17 fc3 sc0 ls21 ws20\">$million\ue004<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c n x1ee y6577 we1a h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Loss from Investment in Joint Ventures<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x12de y6577 w95 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(13)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1adc y6577 w7aa h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(10)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6566 we1b h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Profit from Investment in Associates<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1add y6566 w4cd h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">75<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x98a y6566 we1c h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">118<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6567 w49a h203\"><div class=\"t m0 x1ed h3d y655f ff5 fs5 fc3 sc0 ls5 ws5\">Total<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ade y6567 w66 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">62<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1adf y6567 w67 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">108<span class=\"_ _3eb\"> </span></div></td></tr></table><table class=\"s w61a h2a6\" id=\"_af599564-f13d-496e-8df3-c10b6c018c68\"><tr><td></td><td class=\"t m0 x1e8 h38 y6b04 ff5 fs17 fc0 sc0 ls21 ws20\">2025 </td><td class=\"t m0 x1e9 h39 y6b04 ff1 fs17 fc3 sc0 ls21 ws20\">2024 </td></tr><tr><td class=\"t m0 x221 h8 y6b05 ff5 fs5 fc3 sc0 ls5 ws5\">Interests in associates and joint ventures<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1eb h38 y6b05 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1ec h2c y6b05 ff4 fs17 fc3 sc0 ls21 ws20\">$million\ue004<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c n x1ee y6573 wc24 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">As at 1 January<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ae0 y6573 we1d h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">1,020<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ae1 y6573 w398 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">966<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6574 we1e h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Exchange translation difference<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ae2 y6574 w7be h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">64<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2ad y6574 wab7 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(40)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y6b06 we1f h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Additions</div><div class=\"t m0 x1ae3 h3c y660d ff1 fs1b fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x804 y6560 we7 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">370<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ae4 y6560 w5d2 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">22<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6575 we20 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Share of profits<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ae5 y6575 we21 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">88<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ae6 y6575 wa9a h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">108<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y6b07 we22 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Dividend received</div><div class=\"t m0 x1ae7 h3c y65df ff1 fs1b fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x804 y658d wb25 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(47)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ae8 y658d w497 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(36)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y6b08 we23 h231\"><div class=\"t m0 x1ed h3b y6600 ff1 fs5 fc3 sc0 ls5 ws5\">Impairment</div><div class=\"t m0 x630 h3c y667e ff1 fs1b fc3 sc0 ls0 ws0\">3<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x609 y658e wad h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(41)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ae9 y658e w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6659 we24 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Share of FVOCI and Other reserves<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1aea y6659 wa3 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(28)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1aeb y6659 wa8 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">9<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6826 w494 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Other movements<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1aec y6826 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1aed y6826 w4c8 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(9)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6567 waac h203\"><div class=\"t m0 x1ed h3d y655f ff5 fs5 fc3 sc0 ls5 ws5\">As at 31 December<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1aee y6567 w188 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">1,426<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9ae y6567 wde h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">1,020<span class=\"_ _3eb\"> </span></div></td></tr></table>1 <span class=\"_ _b\"> </span><span class=\"ff4\">Includes investment in Jumbotail Technologies Private Limited for $344 million.<span class=\"_ _3eb\"> </span></span>2 <span class=\"_ _f\"> </span><span class=\"ff4\">Includes $45 million capital distribution from Ascenta IV.<span class=\"_ _3eb\"> </span></span>3 <span class=\"_ _f\"> </span><span class=\"ff4\">Includes $15 million impairment of SBI Zodia Custody Company Limited, $26 million relating <span class=\"_ _7\"></span>to Group\u2019s share of Profits from Bohai recognised <span class=\"_ _7\"></span>in Q4 2025.<span class=\"_ _3eb\"> </span></span>Material Associates<span class=\"_ _3eb\"> </span>A complete list of the Group\u2019s <span class=\"_ _7\"></span>interest in associates is included in note <span class=\"_ _7\"></span>41. Summarised below are those considered <span class=\"_ _7\"></span>material:<span class=\"_ _3eb\"> </span>Jumbotail Technologies Private Ltd (JTPL)<span class=\"_ _3eb\"> </span>On acquisition through the SCRTIPL transaction <span class=\"_ _7\"></span>(refer to Note 6), the Group acquired <span class=\"_ _7\"></span>a 46.55 per cent shareholding in <span class=\"_ _7\"></span>JTPL, a<span class=\"_ gs36\"> </span>company incorporated in India. The carrying <span class=\"_ _7\"></span>value as of 31<span class=\"_ gs36\"> </span>December 2025 was $344 <span class=\"_ _7\"></span>million. JTPL is engaged in business-to-<span class=\"_ _3eb\"> </span>business e-commerce. As <span class=\"_ _7\"></span>a result of the <span class=\"_ _1b\"></span>acquisition, the Group has significant influence <span class=\"_ _7\"></span>over the investee <span class=\"_ _7\"></span>through its shareholding and accounts for its interest based <span class=\"_ _7\"></span>on the application of the equity method. <span class=\"_ _7\"></span>The Group\u2019s share of the associate\u2019s <span class=\"_ _7\"></span>results since acquisition are immaterial.<span class=\"_ _3eb\"> </span>China Bohai Bank<span class=\"_ _3eb\"> </span>The Group\u2019s ownership percentage in China <span class=\"_ _7\"></span>Bohai Bank is 16.26%.<span class=\"_ _3eb\"> </span>Although the Group\u2019s investment in China <span class=\"_ _7\"></span>Bohai Bank is less than 20 per <span class=\"_ _7\"></span>cent, it is an associate because <span class=\"_ _7\"></span>of the significant influence the Group can exercise over <span class=\"_ _7\"></span>its management and financial and operating policies. <span class=\"_ _7\"></span>This influence is exercised through Board representation and the provision of <span class=\"_ _7\"></span>technical expertise to Bohai. The Group applies <span class=\"_ _7\"></span>the equity method of accounting for<span class=\"_ gs36\"> </span>investments in associates.<span class=\"_ _3eb\"> </span>If the Group did not have <span class=\"_ _7\"></span>significant influence over Bohai, the investment would <span class=\"_ _7\"></span>be measured at fair value rather <span class=\"_ _7\"></span>than the current carrying value, which is based <span class=\"_ _7\"></span>on the application of the equity method <span class=\"_ _7\"></span>as described in the accounting policy <span class=\"_ _7\"></span>note.<span class=\"_ _3eb\"> </span>Bohai publishes their results after the <span class=\"_ _7\"></span>Group. As it is impracticable for Bohai <span class=\"_ _7\"></span>to prepare financial statements sooner, the <span class=\"_ _7\"></span>Group recognises its share of Bohai\u2019s earnings <span class=\"_ _7\"></span>on a three-month lag basis. Therefore, the <span class=\"_ _7\"></span>Group recognised its share of Bohai\u2019s <span class=\"_ _7\"></span>profits and movements in other comprehensive income <span class=\"_ _7\"></span>from 1 October 2024 through 30 September <span class=\"_ _7\"></span>2025 (one year of earnings) in the<span class=\"_ gs36\"> </span>Group\u2019s consolidated statement of income and <span class=\"_ _7\"></span>consolidated statement of comprehensive income for the <span class=\"_ _7\"></span>year ended 31 December 2025, also considering any <span class=\"_ _7\"></span>known changes or events in the subsequent <span class=\"_ _7\"></span>period from 1 October 2025 to <span class=\"_ _7\"></span><span class=\"ff1 ls0 ws0\"> </span>31 December 2025 that would have <span class=\"_ _7\"></span>materially affected Bohai\u2019s results.<span class=\"_ _3eb\"> </span>Impairment testing<span class=\"_ _3eb\"> </span>On 31 December 2025, the listed <span class=\"_ _7\"></span>equity value of Bohai is below the <span class=\"_ _7\"></span>carrying amount of the Group\u2018s investment <span class=\"_ _7\"></span>in associate. The<span class=\"_ gs36\"> </span>Group has assessed that the investment <span class=\"_ _7\"></span>in Bohai remains impaired until there is <span class=\"_ _7\"></span>greater clarity around the macroeconomic outlook in China and the resumption <span class=\"_ _7\"></span>of dividends by Bohai. The Group also <span class=\"_ _7\"></span>assessed the carrying value of its <span class=\"_ _7\"></span>investment in<span class=\"_ gs36\"> </span>Bohai for impairment and, considering that <span class=\"_ _7\"></span>the investment cannot be recognised at a <span class=\"_ _7\"></span>carrying amount higher than its recoverable amount at the reporting date, has not recognised the Group\u2019s share of Bohai\u2019s profit for the final quarter of 2025 ($26 million). Accumulated impairment is $1,485 <span class=\"_ _7\"></span>million as at 31 December 2025 ($Nil <span class=\"_ _7\"></span>impairment charge for the year ended 31 December 2024; $1,459 million of <span class=\"_ _7\"></span>accumulated impairment as at 31 December 2024). <span class=\"_ _7\"></span>The financial forecasts used to estimate the recoverable amount, a VIU calculation, reflects Group management\u2019s best estimate of Bohai\u2019s future earnings, in line with current economic conditions and Bohai\u2019s latest <span class=\"_ _7\"></span>reported results.<span class=\"_ _3eb\"> </span>The carrying value of the Group\u2019s <span class=\"_ _7\"></span>investment in Bohai of $883 million (2024: <span class=\"_ _7\"></span>$738 million) represents the higher of <span class=\"_ _7\"></span>the value in<span class=\"_ gs36\"> </span>use and fair value less costs <span class=\"_ _7\"></span>of disposal. The $145 million increase to <span class=\"_ _7\"></span>the carrying amount during 2025 reflects <span class=\"_ _7\"></span>the Group\u2019s share of profits of $113 million <span class=\"_ _7\"></span>(which is net of AT1 dividends of <span class=\"_ _7\"></span>$6 million and $26 million of <span class=\"_ _7\"></span>impairment); other comprehensive loss of $35 million and net <span class=\"_ _7\"></span>of foreign exchange profits of $67 million. The Group\u2019s share of profits and <span class=\"_ _7\"></span>the 2025 impairment are included in \u2018Profit <span class=\"_ _7\"></span>from associates and joint ventures\u2019 on <span class=\"_ _7\"></span>the Consolidated Income Statement.<span class=\"_ _3eb\"> </span><table class=\"s we25 h2a7\" id=\"_da3f39a5-3998-4a1d-a483-a3931d03af62\"><tr><td></td><td class=\"t m0 x2fb h38 y6b09 ff5 fs17 fc0 sc0 ls21 ws20\">31.12.25 <span class=\"ff2 ls0 ws0\"> </span></td><td class=\"t m0 xbf0 h2c y6b09 ff4 fs17 fc3 sc0 ls21 ws20\">31.12.24 <span class=\"ff1 ls0 ws0\"> </span></td></tr><tr><td class=\"t m0 x235 h38 y6b0a ff5 fs17 fc3 sc0 ls21 ws20\">Bohai<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x233 h38 y6b0a ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x234 h2c y6b0a ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c n x1ee y662b we26 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">VIU<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1aef y662b wb18 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">883<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1af0 y662b w343 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">738<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y6b0b we27 h21c\"><div class=\"t m0 x1ed h3b y6600 ff1 fs5 fc3 sc0 ls5 ws0\">Carrying amount</div><div class=\"t m0 x1af1 h3c y6601 ff1 fs1b fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1af2 y662c wb18 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">883<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1af3 y662c w343 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">738<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y6567 we28 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Market capitalisation</div><div class=\"t m0 x1af4 h3c y660d ff1 fs1b fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1af2 y662d w37c h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">360<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1af5 y662d wa94 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">338<span class=\"_ _3eb\"> </span></div></td></tr></table>1 <span class=\"_ _b\"> </span><span class=\"ff4\">The Group\u2019s 16.26% share in the net assets less other equity instruments which <span class=\"_ _7\"></span>the Group does not hold.<span class=\"_ _3eb\"> </span></span>2 <span class=\"_ _f\"> </span><span class=\"ff4\">Number of shares held by the Group multiplied by the quoted share <span class=\"_ _7\"></span>price at period end.<span class=\"_ _3eb\"> </span></span>Basis of recoverable amount<span class=\"_ _3eb\"> </span>The impairment test was performed by <span class=\"_ _7\"></span>comparing the recoverable amount of Bohai, determined <span class=\"_ _7\"></span>as the higher of VIU and <span class=\"_ _7\"></span>fair value less costs to dispose, with <span class=\"_ _7\"></span>its carrying amount.<span class=\"_ _3eb\"> </span>The VIU is calculated using a <span class=\"_ _7\"></span>dividend discount model (DDM), which estimates the <span class=\"_ _7\"></span>distributable future cashflows to the equity holders, after adjusting for regulatory capital <span class=\"_ _7\"></span>requirements, for a 5 year period, after <span class=\"_ _7\"></span>which a terminal value (TV) is <span class=\"_ _7\"></span>calculated based on the Price to Earnings <span class=\"_ _7\"></span>(P/E) exit multiple. The key assumptions in <span class=\"_ _7\"></span>the VIU are as follows: <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">Short to medium term projections are based on Group management\u2019s best estimates <span class=\"_ _7\"></span>of future profits available to ordinary </span>shareholders and have been determined with <span class=\"_ _7\"></span>reference to the latest published financial results, <span class=\"_ _7\"></span>the historical performance of<span class=\"_ gs36\"> </span>Bohai and forward looking macro-economic variables <span class=\"_ _7\"></span>for China. <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">The projections use available information and include normalised performance over the forecast <span class=\"_ _7\"></span>period, inclusive of: </span>(i)<span class=\"_ gs36\"> </span>balance sheet growth assumptions based on <span class=\"_ _7\"></span>the short to medium term GDP growth <span class=\"_ _7\"></span>rates for China; (ii) Net Interest Income (NII) projecting interest income (primarily <span class=\"_ _7\"></span>the 1-year Loan Prime Rate, 1-year LPR, <span class=\"_ _7\"></span>as basis) and interest expense (Shanghai Interbank Offered Rate, 3m SHIBOR, <span class=\"_ _7\"></span>as basis) which reference forecasted third-party market <span class=\"_ _7\"></span>interest rates, adjusted for the observed historic spread <span class=\"_ _7\"></span>against the benchmark rate; (iii) Non-interest income <span class=\"_ _7\"></span>estimated according to the<span class=\"_ gs36\"> </span>latest available performance of Bohai, with <span class=\"_ _7\"></span>consideration of the contribution of the constituent <span class=\"_ _7\"></span>parts of the non-interest income; (iv) Operating expense based on <span class=\"_ _7\"></span>historical performance of Bohai and growth consistent <span class=\"_ _7\"></span>with the short to medium term GDP growth rates applied to <span class=\"_ _7\"></span>balance sheet projections; (v) ECL assumptions using <span class=\"_ _7\"></span>Bohai\u2019s historical reported ECL, based on the proportion of ECL <span class=\"_ _7\"></span>from loans and advances to customers and <span class=\"_ _7\"></span>financial investments measured at amortised cost and FVOCI; and (vi) Statutory <span class=\"_ _7\"></span>tax rate of 25% was applied to <span class=\"_ _7\"></span>the taxable profit of Bohai, after <span class=\"_ _7\"></span>consideration of taxable and non-taxable elements, consistent with historical <span class=\"_ _7\"></span>reported results; <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">The distributable reserves under the DDM are calculated as the difference between <span class=\"_ _7\"></span>the capital resources and the capital </span>requirements in each of the forecast <span class=\"_ _7\"></span>periods. The calculation assumes a target CET1 <span class=\"_ _7\"></span>capital ratio and risk weighted asset (RWA) growth consistent with total assets. <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">The discount rate applied to these cash flows was estimated with reference <span class=\"_ _7\"></span>to a capital asset pricing model <span class=\"_ _7\"></span>(CAPM), which </span>includes a long-term risk-free rate, beta, <span class=\"_ _7\"></span>and company risk premium assumptions for Bohai; <span class=\"_ _7\"></span>and <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">A long-term average P/E multiple of comparable companies is used to derive <span class=\"_ _7\"></span>a TV after the five year <span class=\"_ _7\"></span>forecast period.<span class=\"_ _3eb\"> </span></span>The VIU model was refined during <span class=\"_ _7\"></span>2025 to include more granular forecasting assumptions <span class=\"_ _7\"></span>for each period. While it is impracticable for the Group to estimate <span class=\"_ _7\"></span>the impact on future periods, the key <span class=\"_ _7\"></span>changes to the 2025 model are <span class=\"_ _7\"></span>summarised as<span class=\"_ gs36\"> </span>follows: <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">The Group continues to calculate non-interest income with reference to the five <span class=\"_ _7\"></span>components, i.e., net gains on financial </span>investments through P/L, net gains on <span class=\"_ _7\"></span>financial investments through OCI, net fee and <span class=\"_ _7\"></span>commission income, net trading income and other income. All components <span class=\"_ _7\"></span>of non-interest income continue to be grown <span class=\"_ _7\"></span>by the relevant GDP rate for <span class=\"_ _7\"></span>China over the forecasted period. However, the <span class=\"_ _7\"></span>Group changed the returns forecasted for the <span class=\"_ _7\"></span>financial investments through P/L<span class=\"_ gs36\"> </span>over the forecast period, by using <span class=\"_ _7\"></span>the most recent reported returns as the <span class=\"_ _7\"></span>starting point, normalising such returns to <span class=\"_ _7\"></span>a long-term average over the forecast period. <span class=\"_ _7\"></span>Previously, the return of this component of <span class=\"_ _7\"></span>non-interest income was normalised to the long-term average from the <span class=\"_ _7\"></span>start of the forecast period (year 1), <span class=\"_ _7\"></span>and then grown according to relevant <span class=\"_ _7\"></span>GDP rate of<span class=\"_ gs36\"> </span>China. As a result of this <span class=\"_ _7\"></span>change, the year 1 total forecasted non-interest <span class=\"_ _7\"></span>income is more aligned to the <span class=\"_ _7\"></span>recently reported results, but due to the normalisation <span class=\"_ _7\"></span>affect, the implied growth is negligible.<span class=\"_ _3eb\"> </span>The key assumptions used for the <span class=\"_ _7\"></span>VIU calculation: <table class=\"s we48 h2aa\" id=\"_403fa3b4-93a3-4ad6-a59f-010635f82794\"><tr><td></td><td class=\"c n x1b22 y6b16 we49 h215\"><div class=\"t m0 x1ed h2c y65c7 ff5 fs17 fc0 sc0 ls21 ws20\">31.12.25<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b23 y6b16 w4ba h215\"><div class=\"t m0 x1ed h2c y65c7 ff4 fs17 fc3 sc0 ls21 ws20\">31.12.24<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y6b17 we4a h25c\"><div class=\"t m0 x1ed h3b y6600 ff1 fs5 fc3 sc0 ls5 ws0\">Post-tax discount rate</div><div class=\"t m0 x1b24 h3c y667e ff1 fs1b fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b25 y6b18 we4b h1ff\"><div class=\"t m0 x1ed h3d y6548 ff7 fs5 fc3 sc0 ls5 ws5\">10.0%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b26 y6b18 w5ce h1ff\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">10.5%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6b19 we4c h1ff\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">Total balance-sheet (and risk weighted assets) growth <span class=\"_ _7\"></span>rate<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b27 y6b19 we4d h1ff\"><div class=\"t m0 x1ed h3d y6548 ff7 fs5 fc3 sc0 ls5 ws5\">3.33% \u2013 4.59%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b28 y6b19 we4e h1ff\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">3.77% \u2013 4.52%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6b1a we32 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">P/E multiple used to calculate TV<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b29 y6b1a we4f h1ff\"><div class=\"t m0 x1ed h3d y6548 ff7 fs5 fc3 sc0 ls5 ws5\">5.7x<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b2a y6b1a wb19 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">5.6x<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y6a52 we50 h220\"><div class=\"t m0 x1ed h3b y6600 ff1 fs5 fc3 sc0 ls5 ws0\">Interest income</div><div class=\"t m0 x1b2b h3c y6601 ff1 fs1b fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x391 y68c3 we51 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff7 fs5 fc3 sc0 ls5 ws5\">3.12% \u2013 3.20%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b2c y68c3 we52 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">3.00% \u2013 3.56%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y6b1b we53 h25c\"><div class=\"t m0 x1ed h3b y6600 ff1 fs5 fc3 sc0 ls5 ws0\">Interest expense</div><div class=\"t m0 x1b2d h3c y667e ff1 fs1b fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b00 y6695 we54 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff7 fs5 fc3 sc0 ls5 ws5\">1.78% \u2013 1.85%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b2e y6695 we55 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">1.77% \u2013 2.01%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y65f3 we39 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">Non-interest income \u2013 financial investments return<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b2f y65f3 we56 h201\"><div class=\"t m0 x1ed h3d y6548 ff7 fs5 fc3 sc0 ls5 ws5\">2.24% \u2013 3.55%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b30 y65f3 we57 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">1.91%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y68a8 we3c h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Other non-interest income growth rate<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b31 y68a8 we4d h201\"><div class=\"t m0 x1ed h3d y6548 ff7 fs5 fc3 sc0 ls5 ws5\">3.33% \u2013 4.59%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b32 y68a8 we4e h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">3.77% \u2013 4.52%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y6b1c we58 h25c\"><div class=\"t m0 x1ed h3b y6600 ff1 fs5 fc3 sc0 ls5 ws0\">Operating expense</div><div class=\"t m0 x1b33 h3c y667e ff1 fs1b fc3 sc0 ls0 ws0\">3<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b1c y68a9 we4d h201\"><div class=\"t m0 x1ed h3d y6548 ff7 fs5 fc3 sc0 ls5 ws5\">3.33% \u2013 4.59%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b34 y68a9 we4e h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">3.77% \u2013 4.52%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y6b1d we59 h25c\"><div class=\"t m0 x1ed h3b y6600 ff1 fs5 fc3 sc0 ls5 ws0\">Expected credit losses as a percentage of customer loans</div><div class=\"t m0 x1b35 h3c y667e ff1 fs1b fc3 sc0 ls0 ws0\">4<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x6c8 y68ab we5a h201\"><div class=\"t m0 x1ed h3d y6548 ff7 fs5 fc3 sc0 ls5 ws5\">0.77%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b36 y68ab we5b h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">0.84% \u2013 1.36%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x235 h1a y6b1e ff4 fs5 fc3 sc0 ls5 ws5\">Expected credit losses as a percentage of <span class=\"_ _7\"></span>financial investments measured at amortised cost </td><td></td><td></td></tr><tr><td class=\"c x1ee y6b1f we5c h25c\"><div class=\"t m0 x1ed h3b y6600 ff1 fs5 fc3 sc0 ls5 ws0\">and FVOCI</div><div class=\"t m0 x11c6 h3c y667e ff1 fs1b fc3 sc0 ls0 ws0\">4<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x6c8 y6659 we5d h201\"><div class=\"t m0 x1ed h3d y6548 ff7 fs5 fc3 sc0 ls5 ws5\">0.57%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b37 y6659 we5e h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">0.48% \u2013 1.26%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y665a we5f h220\"><div class=\"t m0 x1ed h3b y6600 ff1 fs5 fc3 sc0 ls5 ws0\">Effective tax rate</div><div class=\"t m0 x1af1 h3c y6601 ff1 fs1b fc3 sc0 ls0 ws0\">5<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b38 y6566 we60 h201\"><div class=\"t m0 x1ed h3d y6548 ff7 fs5 fc3 sc0 ls5 ws5\">12.77% \u2013 12.96%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b39 y6566 we61 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">5.4% \u2013 14.1%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6567 we47 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Capital maintenance ratio<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b3a y6567 wb2b h201\"><div class=\"t m0 x1ed h3d y6548 ff7 fs5 fc3 sc0 ls5 ws5\">8.00%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b3b y6567 wc4 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">8.00%<span class=\"_ _3eb\"> </span></div></td></tr></table>1 <span class=\"_ _b\"> </span><span class=\"ff4\">Pre-tax discount rate of 15.87 per cent was used in 2025 (2024: 15.31 <span class=\"_ _7\"></span>per cent). The difference in pre-tax discount rates <span class=\"_ _7\"></span>relates to changes in effective tax rate.<span class=\"_ _3eb\"> </span></span>2 <span class=\"_ _f\"> </span><span class=\"ff4\">One-year LPR and three-month SHIBOR rate forecasts were sourced from an external <span class=\"_ _7\"></span>third-party provider, and with a spread derived from <span class=\"_ _7\"></span>long-term historical </span>averages, are used to produce the interest income <span class=\"_ _7\"></span>and interest expense forecasts.<span class=\"_ _3eb\"> </span>3 <span class=\"_ _f\"> </span><span class=\"ff4\">As at 31 December 2025, a growth rate of 4.86 per cent was <span class=\"_ _7\"></span>applied to the FY 2024 operating expense base, <span class=\"_ _7\"></span>the rate being derived from the projected GDP </span>growth<span class=\"_ gs1a2\"> </span>rate for China in 2025. In the prior <span class=\"_ _7\"></span>year the operating expense base was the annualised <span class=\"_ _7\"></span>H1 2024 balance, applying apportioned growth rate assumptions. The current year approach results in higher forecasted <span class=\"_ _7\"></span>operating expenses.<span class=\"_ _3eb\"> </span>4 <span class=\"_ _e\"> </span><span class=\"ff4\">As 31 December 2024 the low end of the range was based <span class=\"_ _7\"></span>on historical loss rates, and the high end <span class=\"_ _7\"></span>of the range, applied in one of the <span class=\"_ _7\"></span>forecast years, included </span>adjustments for incremental judgemental management overlays. As at <span class=\"_ _7\"></span>31 December 2025 the ECL assumption is based <span class=\"_ _7\"></span>on historical loss rates with an adjustment for<span class=\"_ gs1a2\"> </span>incremental judgemental management overlays, applied over the five-year <span class=\"_ _7\"></span>forecast period.<span class=\"_ _3eb\"> </span>5 <span class=\"_ _f\"> </span><span class=\"ff4\">The tax rates disclosed are the implied effective tax rates <span class=\"_ _7\"></span>(per cent) over the five-year forecast period. The <span class=\"_ _7\"></span>31 December 2025 tax expense forecasts, calculated </span>from<span class=\"_ gs1a2\"> </span>the taxable profit, considered the long-term historical average <span class=\"_ _7\"></span>of non-taxable income of 17.18 per cent ( <span class=\"_ _7\"></span>2024: 16.09 per cent) and non-deductible expenses of<span class=\"_ gs1a2\"> </span>14.56<span class=\"_ gs1a2\"> </span>per cent (2024: 12.53 per cent). A statutory <span class=\"_ _7\"></span>tax rate of 25 per cent was applied <span class=\"_ _7\"></span>to the taxable profit of Bohai, after consideration <span class=\"_ _7\"></span>of taxable and <span class=\"ff1 ls0 ws0\"> </span>non-taxable<span class=\"_ gs1a2\"> </span>elements.<span class=\"_ _3eb\"> </span>The table below discloses sensitivities to <span class=\"_ _7\"></span>the key assumptions of Bohai, according to <span class=\"_ _7\"></span>management\u2019s judgement of reasonably possible changes. Changes were applied to <span class=\"_ _7\"></span>every cash flow year on an individual <span class=\"_ _7\"></span>basis. The percentage change to the assumptions reflects the level at which management assess the reasonableness of the assumptions used and their impact on<span class=\"_ gs36\"> </span>the Value in Use. <table class=\"s we29 h2a8\" id=\"_38126f0a-80e3-4b92-9874-61d88867a3d1\"><tr><td></td><td></td><td class=\"t m0 x127c h38 y6b0c ff5 fs17 fc0 sc0 ls21 ws20\">Key assumption </td><td class=\"t m0 x1af6 h38 y6b0c ff5 fs17 fc0 sc0 ls21 ws20\">Key assumption </td></tr><tr><td></td><td></td><td class=\"t m0 x1af7 h38 y6b0d ff2 fs17 fc0 sc0 ls21 ws20\">increase<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1a70 h38 y6b0d ff5 fs17 fc0 sc0 ls21 ws20\">decrease<span class=\"_ _3eb\"> </span></td></tr><tr><td></td><td></td><td class=\"t m0 x1af8 h38 y6b0e ff5 fs17 fc0 sc0 ls21 ws20\">Increase/<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x4bb h38 y6b0e ff5 fs17 fc0 sc0 ls21 ws20\">Increase/<span class=\"_ _3eb\"> </span></td></tr><tr><td></td><td></td><td class=\"t m0 xbee h38 y6b0f ff5 fs17 fc0 sc0 ls21 ws20\">(decrease) <span class=\"ff2 ls0 ws0\"> </span></td><td class=\"t m0 x1af9 h38 y6b0f ff5 fs17 fc0 sc0 ls21 ws20\">(decrease) <span class=\"ff2 ls0 ws0\"> </span></td></tr><tr><td></td><td></td><td class=\"t m0 x2e2 h38 y6b10 ff5 fs17 fc0 sc0 ls21 ws20\">in VIU <span class=\"ff2 ls0 ws0\"> </span></td><td class=\"t m0 x66b h38 y6b10 ff5 fs17 fc0 sc0 ls21 ws20\">in VIU <span class=\"ff2 ls0 ws0\"> </span></td></tr><tr><td class=\"c x1ee y6b11 we2a h2a9\"><div class=\"t m0 x1ed h38 y6563 ff5 fs17 fc3 sc0 ls21 ws20\">Sensitivities</div><div class=\"t m0 x182f h1d4 y65fd ff6 fs19 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x1afa h38 y6b12 ff2 fs17 fc0 sc0 ls21 ws0\">basis points<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1afb h38 y6b12 ff5 fs17 fc0 sc0 ls21 ws20\">$ million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1a6f h38 y6b12 ff5 fs17 fc0 sc0 ls21 ws20\">$ million<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c n x1ee y6996 we2b h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Discount Rate<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1afc y6996 we2c h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">100<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1afd y6996 we2d h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws0\">(31)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1afe y6996 we2e h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws0\">33<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y6b13 we2f h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Total balance sheet (and risk weighted asset) <span class=\"_ _7\"></span>growth rate</div><div class=\"t m0 x1aff h3c y65df ff1 fs1b fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b00 y6998 w39d h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">100<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b01 y6998 we30 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws0\">(40)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b02 y6998 we31 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws0\">38<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6999 we32 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">P/E multiple used to calculate TV<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b03 y6999 we33 h203\"><div class=\"t m0 x1ed h3d y655f ff7 fs5 fc3 sc0 ls5 ws5\">1.0x<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b04 y6999 wd25 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws0\">112<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b05 y6999 wa59 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws0\">(112)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y681f we34 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Net interest income \u2013 Scenario 1</div><div class=\"t m0 x163a h3c y65df ff1 fs1b fc3 sc0 ls0 ws0\">3<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b06 y68c3 w3d2 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">10<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b07 y68c3 w4b4 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws0\">(19)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b08 y68c3 w473 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws0\">19<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y6820 we35 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Net interest income \u2013 Scenario 2</div><div class=\"t m0 x1b09 h3c y65df ff1 fs1b fc3 sc0 ls0 ws0\">4<span class=\"_ _3eb\"> </span></div></td><td class=\"c x1b0b y6695 we36 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">Various</div><div class=\"t m0 x1b0a h93 y6657 ff6 fs1b fc3 sc0 ls0 ws0\">4<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b0c y6695 we37 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws0\">375<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b0d y6695 we38 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws0\">(234)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6b14 we39 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">Non-interest income \u2013 financial investments return<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b0e y6b14 we2c h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">100<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b0f y6b14 we3a h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws0\">295<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa99 y6b14 we3b h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws0\">(295)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y65f4 we3c h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Other non-interest income growth rate<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b10 y65f4 we2c h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">100<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b11 y65f4 we3d h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws0\">54<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b12 y65f4 w3a4 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(52)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y65f5 we3e h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Operating expense<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b13 y65f5 w39d h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">100<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b14 y65f5 we3f h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(70)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x289 y65f5 w476 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">68<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y65f6 we40 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Expected credit losses as a percentage of customer loans<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b15 y65f6 w3d2 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">10<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b16 y65f6 we41 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws0\">(147)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b17 y65f6 we42 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws0\">147<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x235 h1a y6b15 ff4 fs5 fc3 sc0 ls5 ws5\">Expected credit losses as a percentage of <span class=\"_ _7\"></span>financial investments measured at amortised </td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y6577 we43 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">cost and FVOCI<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b18 y6577 wa9 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">10<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b19 y6577 w27d h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws0\">(86)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b1a y6577 we44 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws0\">85<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y665a we45 h231\"><div class=\"t m0 x1ed h3b y6600 ff1 fs5 fc3 sc0 ls5 ws0\">Tax expense</div><div class=\"t m0 x1b1b h3c y667e ff1 fs1b fc3 sc0 ls0 ws0\">5<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b1c y6566 w98c h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">300<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b1d y6566 we46 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws0\">27<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b1e y6566 wa3 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws0\">(28)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6567 we47 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Capital maintenance ratio<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b1f y6567 w38e h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">50<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b20 y6567 w3a4 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws0\">(25)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b21 y6567 w3e7 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws0\">25<span class=\"_ _3eb\"> </span></div></td></tr></table>1 <span class=\"_ _b\"> </span><span class=\"ff4\">For comparative information as at 31 December 2024, refer to page 365 of <span class=\"_ _7\"></span>the Group\u2019s Annual Report 2024.<span class=\"_ _3eb\"> </span></span>2 <span class=\"_ _f\"> </span><span class=\"ff4\">The sensitivity reflects the net impact of changing this assumption in the <span class=\"_ _7\"></span>VIU, which links to various elements in forecast <span class=\"_ _7\"></span>profit and regulatory capital adjustment.<span class=\"_ _3eb\"> </span></span>3 <span class=\"_ _f\"> </span><span class=\"ws0\">This scenario assumes that one-year LPR and three-month SHIBOR increase or decrease by the same amount, to demonstrate the impact on the carrying amount </span>of a similar scenario.<span class=\"_ _3eb\"> </span>4 <span class=\"_ _e\"> </span><span class=\"ff4\">An alternative scenario is that Bohai\u2019s asset yield and liability cost move <span class=\"_ _7\"></span>in the same direction, albeit by different amounts, <span class=\"_ _7\"></span>through the five-year forecast period </span>including the terminal value. The key assumption increase <span class=\"_ _7\"></span>sensitivity assumes that asset yields increase by 25 <span class=\"_ _7\"></span>basis points and liability costs increase by 10 <span class=\"_ _7\"></span>basis points in each period. The key assumption decrease <span class=\"_ _7\"></span>sensitivity assumes that asset yields decrease by 25 <span class=\"_ _7\"></span>basis points and liability costs decrease by 15 <span class=\"_ _7\"></span>basis points in<span class=\"_ gs1a2\"> </span>each period.<span class=\"_ _3eb\"> </span>5 <span class=\"_ _f\"> </span><span class=\"ff4\">Changes in tax expense applied only to both average percentages <span class=\"_ _7\"></span>of non-taxable income (17.18 per cent) and non-deductible <span class=\"_ _7\"></span>expenses (14.56 per cent). </span>Refer<span class=\"_ gs1a2\"> </span>to<span class=\"_ gs1a2\"> </span>footnote 5 of the key assumptions table for <span class=\"_ _7\"></span>more details.<span class=\"_ _3eb\"> </span>The following table sets out the <span class=\"_ _7\"></span>summarised financial statements of China Bohai Bank <span class=\"_ _7\"></span>prior to the Group\u2019s share of <span class=\"_ _7\"></span>the associate\u2019s profit being applied:<span class=\"_ _3eb\"> </span><table class=\"s we62 h2ab\" id=\"_96199673-b6a4-4e6c-b8a5-877edd0c16e3\"><tr><td></td><td class=\"t m0 x10c7 h38 y6b20 ff5 fs17 fc0 sc0 ls21 ws20\">30.09.25 </td><td class=\"t m0 x10c8 h2c y6b20 ff4 fs17 fc3 sc0 ls21 ws20\">30.09.24 </td></tr><tr><td></td><td class=\"t m0 x1eb h38 y6b21 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1ec h2c y6b21 ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c n x1ee y6575 w2d6 h1fe\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Total assets<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b3c y6575 we63 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">272,513<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b3d y6575 we64 h1fe\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">244,510<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6562 w2f5 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">Total liabilities<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b3e y6562 we65 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">256,337<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b3f y6562 we66 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">229,259<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y6b01 we67 h220\"><div class=\"t m0 x1ed h3b y6600 ff1 fs5 fc3 sc0 ls5 ws0\">Operating income</div><div class=\"t m0 x803 h3c y6601 ff1 fs1b fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7b2 y6577 w7b2 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">3,472<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b40 y6577 we68 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">3,583<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y665a we1f h220\"><div class=\"t m0 x1ed h3b y6600 ff1 fs5 fc3 sc0 ls5 ws0\">Net profit</div><div class=\"t m0 x1ae3 h3c y6601 ff1 fs1b fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x804 y6566 w40d h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">762<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b41 y6566 w421 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">681<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y6963 we69 h25c\"><div class=\"t m0 x1ed h3b y6600 ff1 fs5 fc3 sc0 ls5 ws0\">Other comprehensive income</div><div class=\"t m0 xfce h3c y667e ff1 fs1b fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b42 y6567 w58a h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(219)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b43 y6567 w30f h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">69<span class=\"_ _3eb\"> </span></div></td></tr></table>1 <span class=\"_ _b\"> </span><span class=\"ff4\">This represents twelve months of earnings (1 October to 30 September).</span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfSignificantInvestmentsInAssociatesExplanatory",
    "language": "en",
    "entity": "scheme:U4LOSYZ7YG4W3S5F2G91",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-651": {
   "value": "32. Investments in <span class=\"_ _1b\"></span>subsidiary undertakings, joint ventures <span class=\"_ _7\"></span>and associates<span class=\"_ _3eb\"> </span>Accounting policy<span class=\"_ _3eb\"> </span>Associates and joint arrangements<span class=\"_ _3eb\"> </span>The Group did not have any <span class=\"_ _7\"></span>contractual interest in joint operations. Investments in associates and joint ventures <span class=\"_ _7\"></span>are accounted for by the equity method <span class=\"_ _7\"></span>of accounting and are initially recognised at cost. The Group\u2019s investment <span class=\"_ _7\"></span>in associates and joint ventures includes goodwill <span class=\"_ _7\"></span>identified on acquisition (net<span class=\"_ gs36\"> </span>of<span class=\"_ gs36\"> </span>any accumulated impairment loss). The Group\u2019s share of its associates\u2019 <span class=\"_ _7\"></span>and joint ventures\u2019 post-acquisition profits or losses <span class=\"_ _7\"></span>is recognised in the income statement, and its share of post-acquisition <span class=\"_ _7\"></span>movements in other comprehensive income is recognised <span class=\"_ _7\"></span>in reserves. The<span class=\"_ gs36\"> </span>cumulative post-acquisition movements are adjusted against <span class=\"_ _7\"></span>the carrying amount of the investment. When <span class=\"_ _7\"></span>the Group\u2019s<span class=\"_ gs36\"> </span>share of losses in an associate <span class=\"_ _7\"></span>or a joint venture equals or exceeds <span class=\"_ _7\"></span>its interest in the associate, including <span class=\"_ _7\"></span>any other unsecured receivables, the Group does not <span class=\"_ _7\"></span>recognise further losses, unless it has incurred <span class=\"_ _7\"></span>obligations or made payments on<span class=\"_ gs36\"> </span>behalf of the associate or joint <span class=\"_ _7\"></span>venture.<span class=\"_ _3eb\"> </span>Unrealised gains and losses on transactions <span class=\"_ _7\"></span>between the Group and its associates and <span class=\"_ _7\"></span>joint ventures are eliminated to the extent of the Group\u2019s interest in <span class=\"_ _7\"></span>the associates and joint ventures. At each <span class=\"_ _7\"></span>balance sheet date, the Group assesses <span class=\"_ _7\"></span>whether there is any objective evidence of <span class=\"_ _7\"></span>impairment in the investment in associates and <span class=\"_ _7\"></span>joint ventures. Such evidence includes a<span class=\"_ gs36\"> </span>significant or prolonged decline in the <span class=\"_ _7\"></span>fair value of the Group\u2019s investment in <span class=\"_ _7\"></span>an associate or joint venture below <span class=\"_ _7\"></span>its cost, among other factors.<span class=\"_ _3eb\"> </span>Significant accounting <span class=\"_ _7\"></span>estimates and <span class=\"_ _7\"></span>judgements<span class=\"_ _3eb\"> </span>The Group applies judgement in determining <span class=\"_ _7\"></span>if it has control, joint control or <span class=\"_ _7\"></span>significant influence over subsidiaries, joint ventures and associates respectively. These judgements <span class=\"_ _7\"></span>are based upon identifying the relevant activities <span class=\"_ _7\"></span>of counterparties, being those activities that significantly affect <span class=\"_ _7\"></span>the entities\u2019 returns, and further making a <span class=\"_ _7\"></span>decision of if the Group has <span class=\"_ _7\"></span>control over those entities, joint control, or <span class=\"_ _7\"></span>has significant influence (being the power to <span class=\"_ _7\"></span>participate in the financial and operating policy decisions but not control them). These judgements are at times determined <span class=\"_ _7\"></span>by equity holdings, and the voting rights <span class=\"_ _7\"></span>associated with those holdings. However, further considerations including but not <span class=\"_ _7\"></span>limited to board seats, advisory committee members <span class=\"_ _7\"></span>and specialist knowledge of some decision-makers are also <span class=\"_ _7\"></span>taken into account. Further judgement is required <span class=\"_ _7\"></span>when determining if the Group has de-facto control over an <span class=\"_ _7\"></span>entity even though it may hold less <span class=\"_ _7\"></span>than 50% of the voting shares <span class=\"_ _7\"></span>of that entity. Judgement is required to determine the <span class=\"_ _7\"></span>relative size of the Group\u2019s shareholding when <span class=\"_ _7\"></span>compared to the size and dispersion of other shareholders.<span class=\"_ _3eb\"> </span>Impairment testing of investments in associates <span class=\"_ _7\"></span>and joint ventures, and on a Company <span class=\"_ _7\"></span>level investments in subsidiaries is performed if there is a possible <span class=\"_ _7\"></span>indicator of impairment. Judgement is used to <span class=\"_ _7\"></span>determine if there is objective evidence <span class=\"_ _7\"></span>of impairment. Objective evidence may be observable <span class=\"_ _7\"></span>data such as losses incurred on the <span class=\"_ _7\"></span>investment when applying the equity method, the granting of concessions as <span class=\"_ _7\"></span>a result of financial difficulty, or breaches <span class=\"_ _7\"></span>of contracts/regulatory fines of the associate or joint venture. Further judgement <span class=\"_ _7\"></span>is required when considering broader indicators of <span class=\"_ _7\"></span>impairment such as losses of active markets or ratings downgrades across <span class=\"_ _7\"></span>key markets in which the associate or <span class=\"_ _7\"></span>joint venture operate in. Impairment testing is based on estimates <span class=\"_ _7\"></span>including forecasting the expected cash flows from <span class=\"_ _7\"></span>the investments, growth rates, terminal values and the discount rate <span class=\"_ _7\"></span>used in calculation of the present values <span class=\"_ _7\"></span>of those cash flows. The estimation <span class=\"_ _7\"></span>of future cash flows and the level to <span class=\"_ _7\"></span>which they are discounted is inherently uncertain <span class=\"_ _7\"></span>and requires significant judgement.<span class=\"_ _3eb\"> </span>Business combinations<span class=\"_ _3eb\"> </span>The acquisition method of accounting is <span class=\"_ _7\"></span>used to account for the acquisition of <span class=\"_ _7\"></span>subsidiaries by the Group. In the Company\u2019s financial statements, investment <span class=\"_ _7\"></span>in subsidiaries, associates and joint ventures are <span class=\"_ _7\"></span>held at cost less impairment and dividends from pre-acquisition profits <span class=\"_ _7\"></span>received prior to 1 January 2009, if <span class=\"_ _7\"></span>any. Inter-company transactions, balances and unrealised gains and losses <span class=\"_ _7\"></span>on transactions between Group companies are eliminated <span class=\"_ _7\"></span>in the Group accounts.<span class=\"_ _3eb\"> </span><table class=\"s we13 h2a4\" id=\"_02c5ed94-15ca-4c2a-b5f9-d4d54ba3efe2\"><tr><td></td><td class=\"t m1 x230 h38 y6aff ff5 fs17 fc0 sc0 ls21 ws20\">2025 </td><td class=\"t m1 x231 h39 y6aff ff1 fs17 fc3 sc0 ls21 ws20\">2024 </td></tr><tr><td class=\"t m1 x235 h8 y6b00 ff5 fs5 fc3 sc0 ls5 ws5\">Standard Chartered PLC (Company) investments in subsidiary <span class=\"_ _7\"></span>undertakings<span class=\"_ _3eb\"> </span></td><td class=\"t m1 x233 h38 y6b00 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m1 x234 h2c y6b00 ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c n x1ee y658d wc24 h202\"><div class=\"t m1 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">As at 1 January<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ad2 y658d we14 h203\"><div class=\"t m1 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">61,593<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ad3 y658d w61f h203\"><div class=\"t m1 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">60,791<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y66bd we15 h203\"><div class=\"t m1 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Additions</div><div class=\"t m1 x1ad4 h3c y660d ff1 fs1b fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ad5 y6610 w4a1 h203\"><div class=\"t m1 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">2,823<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ad6 y6610 w9e8 h203\"><div class=\"t m1 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">1,631<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y6b01 we16 h21c\"><div class=\"t m1 x1ed h3b y6600 ff1 fs5 fc3 sc0 ls5 ws5\">Disposal</div><div class=\"t m1 x1ad7 h3c y6601 ff1 fs1b fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x14d7 y6577 w214 h203\"><div class=\"t m1 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(1,000)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ad8 y6577 w2cc h203\"><div class=\"t m1 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(803)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y665a waab h21c\"><div class=\"t m1 x1ed h3b y6600 ff1 fs5 fc3 sc0 ls5 ws0\">Other Movements</div><div class=\"t m1 x4c3 h3c y6601 ff1 fs1b fc3 sc0 ls0 ws0\">3<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x992 y6566 w66 h203\"><div class=\"t m1 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">26<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ad9 y6566 w3b5 h203\"><div class=\"t m1 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(26)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6567 waac h203\"><div class=\"t m1 x1ed h3d y655f ff5 fs5 fc3 sc0 ls5 ws5\">As at 31 December<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ada y6567 we17 h203\"><div class=\"t m1 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">63,442<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1adb y6567 we18 h203\"><div class=\"t m1 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">61,593<span class=\"_ _3eb\"> </span></div></td></tr></table>1 <span class=\"_ _b\"> </span><span class=\"ff4\">Includes internal AT1 issuances of $2,800 million by Standard Chartered Bank (Hong Kong) <span class=\"_ _7\"></span>and $23 million by Standard Chartered Holdings Ltd <span class=\"_ _7\"></span>Limited </span>(31 December 2024: Includes internal AT1 issuances of <span class=\"_ _7\"></span>$980 million by Standard Chartered Bank, $600 million <span class=\"_ _7\"></span>additional investment in Standard Chartered Holdings<span class=\"_ gs1a2\"> </span>Limited).<span class=\"_ _3eb\"> </span>2 <span class=\"_ _f\"> </span><span class=\"ff4\">Includes redemption of AT1 capital of $1,000 million by Standard Chartered Bank <span class=\"_ _7\"></span>(Hong Kong) Limited (31 December 2024: redemption of <span class=\"_ _7\"></span>preference share capital </span>of $553 million by Standard Chartered Bank Singapore <span class=\"_ _7\"></span>Limited and additional Tier 1 capital of $250 <span class=\"_ _7\"></span>million by Standard Chartered Bank).<span class=\"_ _3eb\"> </span>3 <span class=\"_ _f\"> </span><span class=\"ff4\">2025 movement related to reversal of realised translation gain $26 million on redemption <span class=\"_ _7\"></span>of AT1 securities of SGD 750 million ($553 <span class=\"_ _7\"></span>million) upon disposal. 2024 </span>relates to realised translation gain ($26 million) on <span class=\"_ _7\"></span>redemption of AT1 securities of SGD 750 million <span class=\"_ _7\"></span>($553 million).<span class=\"_ _3eb\"> </span>A complete list of subsidiary undertakings <span class=\"_ _7\"></span>is included in Note 41.<span class=\"_ _3eb\"> </span>During 2025 the Group disposed of <span class=\"_ _7\"></span>its indirectly held investments in subsidiaries and <span class=\"_ _7\"></span>the gain/loss on disposal were Standard Chartered Research and Technology India Private <span class=\"_ _7\"></span>Limited (gain: $238 million including translation adjustment <span class=\"_ _7\"></span>loss: $3 million), Fourtwothree Pte. Ltd (gain: $1.8 million), <span class=\"_ _7\"></span>Standard Chartered Bank Gambia Limited (loss: $5.4 <span class=\"_ _7\"></span>million including translation adjustment loss: $8 million), Standard Chartered <span class=\"_ _7\"></span>Bank Cameroon S.A. (loss: $5.3 million including <span class=\"_ _7\"></span>translation adjustment loss: $9 million) and Tawi Fresh Kenya <span class=\"_ _7\"></span>Limited (loss: $0.5 million). While the Group\u2019s subsidiaries are subject <span class=\"_ _7\"></span>to local statutory capital and liquidity requirements <span class=\"_ _7\"></span>in relation to foreign exchange remittance, these restrictions arise in the <span class=\"_ _7\"></span>normal course of business and do not <span class=\"_ _7\"></span>significantly restrict the Group\u2019s ability to <span class=\"_ _7\"></span>access or use assets and settle liabilities <span class=\"_ _7\"></span>of the Group. The Group does not have significant <span class=\"_ _7\"></span>restrictions on its ability to access or <span class=\"_ _7\"></span>use its assets and settle its <span class=\"_ _7\"></span>liabilities other than those resulting from the regulatory framework within <span class=\"_ _7\"></span>which the banking subsidiaries operate. These frameworks <span class=\"_ _7\"></span>require banking operations to keep certain levels of <span class=\"_ _7\"></span>regulatory capital, liquid assets, exposure limits and <span class=\"_ _7\"></span>comply with other required ratios. These<span class=\"_ gs36\"> </span>restrictions are summarised below:<span class=\"_ _3eb\"> </span>Regulatory and liquidity <span class=\"_ _7\"></span>requirements<span class=\"_ _3eb\"> </span>The Group\u2019s subsidiaries are required to <span class=\"_ _7\"></span>maintain minimum capital, leverage ratios, liquidity and <span class=\"_ _7\"></span>exposure ratios which therefore restrict the ability of these subsidiaries <span class=\"_ _7\"></span>to distribute cash or other assets to <span class=\"_ _7\"></span>the parent company.<span class=\"_ _3eb\"> </span>The subsidiaries are also required to <span class=\"_ _7\"></span>maintain balances with central banks and other <span class=\"_ _7\"></span>regulatory authorities in the countries in<span class=\"_ gs36\"> </span>which they operate. At 31 December <span class=\"_ _7\"></span>2025, the total cash and balances with <span class=\"_ _7\"></span>central banks was $78 billion (31 <span class=\"_ _7\"></span>December 2024: $63 billion) of which $12 billion <span class=\"_ _7\"></span>(31 December 2024: $8 billion) is restricted. Statutory requirements The Group\u2019s subsidiaries are subject to <span class=\"_ _7\"></span>statutory requirements not to make distributions of <span class=\"_ _7\"></span>capital and unrealised profits to the<span class=\"_ gs36\"> </span>parent company, generally to maintain solvency. <span class=\"_ _7\"></span>These requirements restrict the ability of subsidiaries <span class=\"_ _7\"></span>to remit dividends to the Group. Certain subsidiaries are also <span class=\"_ _7\"></span>subject to local exchange control regulations which <span class=\"_ _7\"></span>provide for restrictions on exporting capital from the country other than <span class=\"_ _7\"></span>through normal dividends.<span class=\"_ _3eb\"> </span>Contractual requirements<span class=\"_ _3eb\"> </span>The encumbered assets in the balance <span class=\"_ _7\"></span>sheet of the Group\u2019s subsidiaries are not <span class=\"_ _7\"></span>available for transfer around the Group. Share of profit from investment in <span class=\"_ _7\"></span>associates and joint ventures comprises:<span class=\"_ _3eb\"> </span><table class=\"s we19 h2a5\" id=\"_073ddbe8-587a-4b0e-9a5f-3c9d5464729d\"><tr><td></td><td class=\"t m0 x8f8 h38 y6b02 ff5 fs17 fc0 sc0 ls21 ws20\">2025 </td><td class=\"t m0 x60a h39 y6b02 ff1 fs17 fc3 sc0 ls21 ws20\">2024 </td></tr><tr><td></td><td class=\"t m0 x1eb h38 y6b03 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x12b1 h2c y6b03 ff4 fs17 fc3 sc0 ls21 ws20\">$million\ue004<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c n x1ee y6577 we1a h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Loss from Investment in Joint Ventures<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x12de y6577 w95 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(13)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1adc y6577 w7aa h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(10)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6566 we1b h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Profit from Investment in Associates<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1add y6566 w4cd h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">75<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x98a y6566 we1c h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">118<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6567 w49a h203\"><div class=\"t m0 x1ed h3d y655f ff5 fs5 fc3 sc0 ls5 ws5\">Total<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ade y6567 w66 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">62<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1adf y6567 w67 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">108<span class=\"_ _3eb\"> </span></div></td></tr></table><table class=\"s w61a h2a6\" id=\"_af599564-f13d-496e-8df3-c10b6c018c68\"><tr><td></td><td class=\"t m0 x1e8 h38 y6b04 ff5 fs17 fc0 sc0 ls21 ws20\">2025 </td><td class=\"t m0 x1e9 h39 y6b04 ff1 fs17 fc3 sc0 ls21 ws20\">2024 </td></tr><tr><td class=\"t m0 x221 h8 y6b05 ff5 fs5 fc3 sc0 ls5 ws5\">Interests in associates and joint ventures<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1eb h38 y6b05 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1ec h2c y6b05 ff4 fs17 fc3 sc0 ls21 ws20\">$million\ue004<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c n x1ee y6573 wc24 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">As at 1 January<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ae0 y6573 we1d h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">1,020<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ae1 y6573 w398 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">966<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6574 we1e h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Exchange translation difference<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ae2 y6574 w7be h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">64<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2ad y6574 wab7 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(40)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y6b06 we1f h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Additions</div><div class=\"t m0 x1ae3 h3c y660d ff1 fs1b fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x804 y6560 we7 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">370<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ae4 y6560 w5d2 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">22<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6575 we20 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Share of profits<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ae5 y6575 we21 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">88<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ae6 y6575 wa9a h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">108<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y6b07 we22 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Dividend received</div><div class=\"t m0 x1ae7 h3c y65df ff1 fs1b fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x804 y658d wb25 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(47)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ae8 y658d w497 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(36)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y6b08 we23 h231\"><div class=\"t m0 x1ed h3b y6600 ff1 fs5 fc3 sc0 ls5 ws5\">Impairment</div><div class=\"t m0 x630 h3c y667e ff1 fs1b fc3 sc0 ls0 ws0\">3<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x609 y658e wad h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(41)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ae9 y658e w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6659 we24 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Share of FVOCI and Other reserves<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1aea y6659 wa3 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(28)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1aeb y6659 wa8 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">9<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6826 w494 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Other movements<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1aec y6826 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1aed y6826 w4c8 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(9)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6567 waac h203\"><div class=\"t m0 x1ed h3d y655f ff5 fs5 fc3 sc0 ls5 ws5\">As at 31 December<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1aee y6567 w188 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">1,426<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9ae y6567 wde h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">1,020<span class=\"_ _3eb\"> </span></div></td></tr></table>1 <span class=\"_ _b\"> </span><span class=\"ff4\">Includes investment in Jumbotail Technologies Private Limited for $344 million.<span class=\"_ _3eb\"> </span></span>2 <span class=\"_ _f\"> </span><span class=\"ff4\">Includes $45 million capital distribution from Ascenta IV.<span class=\"_ _3eb\"> </span></span>3 <span class=\"_ _f\"> </span><span class=\"ff4\">Includes $15 million impairment of SBI Zodia Custody Company Limited, $26 million relating <span class=\"_ _7\"></span>to Group\u2019s share of Profits from Bohai recognised <span class=\"_ _7\"></span>in Q4 2025.<span class=\"_ _3eb\"> </span></span>Material Associates<span class=\"_ _3eb\"> </span>A complete list of the Group\u2019s <span class=\"_ _7\"></span>interest in associates is included in note <span class=\"_ _7\"></span>41. Summarised below are those considered <span class=\"_ _7\"></span>material:<span class=\"_ _3eb\"> </span>Jumbotail Technologies Private Ltd (JTPL)<span class=\"_ _3eb\"> </span>On acquisition through the SCRTIPL transaction <span class=\"_ _7\"></span>(refer to Note 6), the Group acquired <span class=\"_ _7\"></span>a 46.55 per cent shareholding in <span class=\"_ _7\"></span>JTPL, a<span class=\"_ gs36\"> </span>company incorporated in India. The carrying <span class=\"_ _7\"></span>value as of 31<span class=\"_ gs36\"> </span>December 2025 was $344 <span class=\"_ _7\"></span>million. JTPL is engaged in business-to-<span class=\"_ _3eb\"> </span>business e-commerce. As <span class=\"_ _7\"></span>a result of the <span class=\"_ _1b\"></span>acquisition, the Group has significant influence <span class=\"_ _7\"></span>over the investee <span class=\"_ _7\"></span>through its shareholding and accounts for its interest based <span class=\"_ _7\"></span>on the application of the equity method. <span class=\"_ _7\"></span>The Group\u2019s share of the associate\u2019s <span class=\"_ _7\"></span>results since acquisition are immaterial.<span class=\"_ _3eb\"> </span>China Bohai Bank<span class=\"_ _3eb\"> </span>The Group\u2019s ownership percentage in China <span class=\"_ _7\"></span>Bohai Bank is 16.26%.<span class=\"_ _3eb\"> </span>Although the Group\u2019s investment in China <span class=\"_ _7\"></span>Bohai Bank is less than 20 per <span class=\"_ _7\"></span>cent, it is an associate because <span class=\"_ _7\"></span>of the significant influence the Group can exercise over <span class=\"_ _7\"></span>its management and financial and operating policies. <span class=\"_ _7\"></span>This influence is exercised through Board representation and the provision of <span class=\"_ _7\"></span>technical expertise to Bohai. The Group applies <span class=\"_ _7\"></span>the equity method of accounting for<span class=\"_ gs36\"> </span>investments in associates.<span class=\"_ _3eb\"> </span>If the Group did not have <span class=\"_ _7\"></span>significant influence over Bohai, the investment would <span class=\"_ _7\"></span>be measured at fair value rather <span class=\"_ _7\"></span>than the current carrying value, which is based <span class=\"_ _7\"></span>on the application of the equity method <span class=\"_ _7\"></span>as described in the accounting policy <span class=\"_ _7\"></span>note.<span class=\"_ _3eb\"> </span>Bohai publishes their results after the <span class=\"_ _7\"></span>Group. As it is impracticable for Bohai <span class=\"_ _7\"></span>to prepare financial statements sooner, the <span class=\"_ _7\"></span>Group recognises its share of Bohai\u2019s earnings <span class=\"_ _7\"></span>on a three-month lag basis. Therefore, the <span class=\"_ _7\"></span>Group recognised its share of Bohai\u2019s <span class=\"_ _7\"></span>profits and movements in other comprehensive income <span class=\"_ _7\"></span>from 1 October 2024 through 30 September <span class=\"_ _7\"></span>2025 (one year of earnings) in the<span class=\"_ gs36\"> </span>Group\u2019s consolidated statement of income and <span class=\"_ _7\"></span>consolidated statement of comprehensive income for the <span class=\"_ _7\"></span>year ended 31 December 2025, also considering any <span class=\"_ _7\"></span>known changes or events in the subsequent <span class=\"_ _7\"></span>period from 1 October 2025 to <span class=\"_ _7\"></span><span class=\"ff1 ls0 ws0\"> </span>31 December 2025 that would have <span class=\"_ _7\"></span>materially affected Bohai\u2019s results.<span class=\"_ _3eb\"> </span>Impairment testing<span class=\"_ _3eb\"> </span>On 31 December 2025, the listed <span class=\"_ _7\"></span>equity value of Bohai is below the <span class=\"_ _7\"></span>carrying amount of the Group\u2018s investment <span class=\"_ _7\"></span>in associate. The<span class=\"_ gs36\"> </span>Group has assessed that the investment <span class=\"_ _7\"></span>in Bohai remains impaired until there is <span class=\"_ _7\"></span>greater clarity around the macroeconomic outlook in China and the resumption <span class=\"_ _7\"></span>of dividends by Bohai. The Group also <span class=\"_ _7\"></span>assessed the carrying value of its <span class=\"_ _7\"></span>investment in<span class=\"_ gs36\"> </span>Bohai for impairment and, considering that <span class=\"_ _7\"></span>the investment cannot be recognised at a <span class=\"_ _7\"></span>carrying amount higher than its recoverable amount at the reporting date, has not recognised the Group\u2019s share of Bohai\u2019s profit for the final quarter of 2025 ($26 million). Accumulated impairment is $1,485 <span class=\"_ _7\"></span>million as at 31 December 2025 ($Nil <span class=\"_ _7\"></span>impairment charge for the year ended 31 December 2024; $1,459 million of <span class=\"_ _7\"></span>accumulated impairment as at 31 December 2024). <span class=\"_ _7\"></span>The financial forecasts used to estimate the recoverable amount, a VIU calculation, reflects Group management\u2019s best estimate of Bohai\u2019s future earnings, in line with current economic conditions and Bohai\u2019s latest <span class=\"_ _7\"></span>reported results.<span class=\"_ _3eb\"> </span>The carrying value of the Group\u2019s <span class=\"_ _7\"></span>investment in Bohai of $883 million (2024: <span class=\"_ _7\"></span>$738 million) represents the higher of <span class=\"_ _7\"></span>the value in<span class=\"_ gs36\"> </span>use and fair value less costs <span class=\"_ _7\"></span>of disposal. The $145 million increase to <span class=\"_ _7\"></span>the carrying amount during 2025 reflects <span class=\"_ _7\"></span>the Group\u2019s share of profits of $113 million <span class=\"_ _7\"></span>(which is net of AT1 dividends of <span class=\"_ _7\"></span>$6 million and $26 million of <span class=\"_ _7\"></span>impairment); other comprehensive loss of $35 million and net <span class=\"_ _7\"></span>of foreign exchange profits of $67 million. The Group\u2019s share of profits and <span class=\"_ _7\"></span>the 2025 impairment are included in \u2018Profit <span class=\"_ _7\"></span>from associates and joint ventures\u2019 on <span class=\"_ _7\"></span>the Consolidated Income Statement.<span class=\"_ _3eb\"> </span><table class=\"s we25 h2a7\" id=\"_da3f39a5-3998-4a1d-a483-a3931d03af62\"><tr><td></td><td class=\"t m0 x2fb h38 y6b09 ff5 fs17 fc0 sc0 ls21 ws20\">31.12.25 <span class=\"ff2 ls0 ws0\"> </span></td><td class=\"t m0 xbf0 h2c y6b09 ff4 fs17 fc3 sc0 ls21 ws20\">31.12.24 <span class=\"ff1 ls0 ws0\"> </span></td></tr><tr><td class=\"t m0 x235 h38 y6b0a ff5 fs17 fc3 sc0 ls21 ws20\">Bohai<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x233 h38 y6b0a ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x234 h2c y6b0a ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c n x1ee y662b we26 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">VIU<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1aef y662b wb18 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">883<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1af0 y662b w343 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">738<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y6b0b we27 h21c\"><div class=\"t m0 x1ed h3b y6600 ff1 fs5 fc3 sc0 ls5 ws0\">Carrying amount</div><div class=\"t m0 x1af1 h3c y6601 ff1 fs1b fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1af2 y662c wb18 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">883<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1af3 y662c w343 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">738<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y6567 we28 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Market capitalisation</div><div class=\"t m0 x1af4 h3c y660d ff1 fs1b fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1af2 y662d w37c h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">360<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1af5 y662d wa94 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">338<span class=\"_ _3eb\"> </span></div></td></tr></table>1 <span class=\"_ _b\"> </span><span class=\"ff4\">The Group\u2019s 16.26% share in the net assets less other equity instruments which <span class=\"_ _7\"></span>the Group does not hold.<span class=\"_ _3eb\"> </span></span>2 <span class=\"_ _f\"> </span><span class=\"ff4\">Number of shares held by the Group multiplied by the quoted share <span class=\"_ _7\"></span>price at period end.<span class=\"_ _3eb\"> </span></span>Basis of recoverable amount<span class=\"_ _3eb\"> </span>The impairment test was performed by <span class=\"_ _7\"></span>comparing the recoverable amount of Bohai, determined <span class=\"_ _7\"></span>as the higher of VIU and <span class=\"_ _7\"></span>fair value less costs to dispose, with <span class=\"_ _7\"></span>its carrying amount.<span class=\"_ _3eb\"> </span>The VIU is calculated using a <span class=\"_ _7\"></span>dividend discount model (DDM), which estimates the <span class=\"_ _7\"></span>distributable future cashflows to the equity holders, after adjusting for regulatory capital <span class=\"_ _7\"></span>requirements, for a 5 year period, after <span class=\"_ _7\"></span>which a terminal value (TV) is <span class=\"_ _7\"></span>calculated based on the Price to Earnings <span class=\"_ _7\"></span>(P/E) exit multiple. The key assumptions in <span class=\"_ _7\"></span>the VIU are as follows: <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">Short to medium term projections are based on Group management\u2019s best estimates <span class=\"_ _7\"></span>of future profits available to ordinary </span>shareholders and have been determined with <span class=\"_ _7\"></span>reference to the latest published financial results, <span class=\"_ _7\"></span>the historical performance of<span class=\"_ gs36\"> </span>Bohai and forward looking macro-economic variables <span class=\"_ _7\"></span>for China. <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">The projections use available information and include normalised performance over the forecast <span class=\"_ _7\"></span>period, inclusive of: </span>(i)<span class=\"_ gs36\"> </span>balance sheet growth assumptions based on <span class=\"_ _7\"></span>the short to medium term GDP growth <span class=\"_ _7\"></span>rates for China; (ii) Net Interest Income (NII) projecting interest income (primarily <span class=\"_ _7\"></span>the 1-year Loan Prime Rate, 1-year LPR, <span class=\"_ _7\"></span>as basis) and interest expense (Shanghai Interbank Offered Rate, 3m SHIBOR, <span class=\"_ _7\"></span>as basis) which reference forecasted third-party market <span class=\"_ _7\"></span>interest rates, adjusted for the observed historic spread <span class=\"_ _7\"></span>against the benchmark rate; (iii) Non-interest income <span class=\"_ _7\"></span>estimated according to the<span class=\"_ gs36\"> </span>latest available performance of Bohai, with <span class=\"_ _7\"></span>consideration of the contribution of the constituent <span class=\"_ _7\"></span>parts of the non-interest income; (iv) Operating expense based on <span class=\"_ _7\"></span>historical performance of Bohai and growth consistent <span class=\"_ _7\"></span>with the short to medium term GDP growth rates applied to <span class=\"_ _7\"></span>balance sheet projections; (v) ECL assumptions using <span class=\"_ _7\"></span>Bohai\u2019s historical reported ECL, based on the proportion of ECL <span class=\"_ _7\"></span>from loans and advances to customers and <span class=\"_ _7\"></span>financial investments measured at amortised cost and FVOCI; and (vi) Statutory <span class=\"_ _7\"></span>tax rate of 25% was applied to <span class=\"_ _7\"></span>the taxable profit of Bohai, after <span class=\"_ _7\"></span>consideration of taxable and non-taxable elements, consistent with historical <span class=\"_ _7\"></span>reported results; <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">The distributable reserves under the DDM are calculated as the difference between <span class=\"_ _7\"></span>the capital resources and the capital </span>requirements in each of the forecast <span class=\"_ _7\"></span>periods. The calculation assumes a target CET1 <span class=\"_ _7\"></span>capital ratio and risk weighted asset (RWA) growth consistent with total assets. <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">The discount rate applied to these cash flows was estimated with reference <span class=\"_ _7\"></span>to a capital asset pricing model <span class=\"_ _7\"></span>(CAPM), which </span>includes a long-term risk-free rate, beta, <span class=\"_ _7\"></span>and company risk premium assumptions for Bohai; <span class=\"_ _7\"></span>and <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">A long-term average P/E multiple of comparable companies is used to derive <span class=\"_ _7\"></span>a TV after the five year <span class=\"_ _7\"></span>forecast period.<span class=\"_ _3eb\"> </span></span>The VIU model was refined during <span class=\"_ _7\"></span>2025 to include more granular forecasting assumptions <span class=\"_ _7\"></span>for each period. While it is impracticable for the Group to estimate <span class=\"_ _7\"></span>the impact on future periods, the key <span class=\"_ _7\"></span>changes to the 2025 model are <span class=\"_ _7\"></span>summarised as<span class=\"_ gs36\"> </span>follows: <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">The Group continues to calculate non-interest income with reference to the five <span class=\"_ _7\"></span>components, i.e., net gains on financial </span>investments through P/L, net gains on <span class=\"_ _7\"></span>financial investments through OCI, net fee and <span class=\"_ _7\"></span>commission income, net trading income and other income. All components <span class=\"_ _7\"></span>of non-interest income continue to be grown <span class=\"_ _7\"></span>by the relevant GDP rate for <span class=\"_ _7\"></span>China over the forecasted period. However, the <span class=\"_ _7\"></span>Group changed the returns forecasted for the <span class=\"_ _7\"></span>financial investments through P/L<span class=\"_ gs36\"> </span>over the forecast period, by using <span class=\"_ _7\"></span>the most recent reported returns as the <span class=\"_ _7\"></span>starting point, normalising such returns to <span class=\"_ _7\"></span>a long-term average over the forecast period. <span class=\"_ _7\"></span>Previously, the return of this component of <span class=\"_ _7\"></span>non-interest income was normalised to the long-term average from the <span class=\"_ _7\"></span>start of the forecast period (year 1), <span class=\"_ _7\"></span>and then grown according to relevant <span class=\"_ _7\"></span>GDP rate of<span class=\"_ gs36\"> </span>China. As a result of this <span class=\"_ _7\"></span>change, the year 1 total forecasted non-interest <span class=\"_ _7\"></span>income is more aligned to the <span class=\"_ _7\"></span>recently reported results, but due to the normalisation <span class=\"_ _7\"></span>affect, the implied growth is negligible.<span class=\"_ _3eb\"> </span>The key assumptions used for the <span class=\"_ _7\"></span>VIU calculation: <table class=\"s we48 h2aa\" id=\"_403fa3b4-93a3-4ad6-a59f-010635f82794\"><tr><td></td><td class=\"c n x1b22 y6b16 we49 h215\"><div class=\"t m0 x1ed h2c y65c7 ff5 fs17 fc0 sc0 ls21 ws20\">31.12.25<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b23 y6b16 w4ba h215\"><div class=\"t m0 x1ed h2c y65c7 ff4 fs17 fc3 sc0 ls21 ws20\">31.12.24<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y6b17 we4a h25c\"><div class=\"t m0 x1ed h3b y6600 ff1 fs5 fc3 sc0 ls5 ws0\">Post-tax discount rate</div><div class=\"t m0 x1b24 h3c y667e ff1 fs1b fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b25 y6b18 we4b h1ff\"><div class=\"t m0 x1ed h3d y6548 ff7 fs5 fc3 sc0 ls5 ws5\">10.0%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b26 y6b18 w5ce h1ff\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">10.5%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6b19 we4c h1ff\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">Total balance-sheet (and risk weighted assets) growth <span class=\"_ _7\"></span>rate<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b27 y6b19 we4d h1ff\"><div class=\"t m0 x1ed h3d y6548 ff7 fs5 fc3 sc0 ls5 ws5\">3.33% \u2013 4.59%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b28 y6b19 we4e h1ff\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">3.77% \u2013 4.52%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6b1a we32 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">P/E multiple used to calculate TV<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b29 y6b1a we4f h1ff\"><div class=\"t m0 x1ed h3d y6548 ff7 fs5 fc3 sc0 ls5 ws5\">5.7x<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b2a y6b1a wb19 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">5.6x<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y6a52 we50 h220\"><div class=\"t m0 x1ed h3b y6600 ff1 fs5 fc3 sc0 ls5 ws0\">Interest income</div><div class=\"t m0 x1b2b h3c y6601 ff1 fs1b fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x391 y68c3 we51 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff7 fs5 fc3 sc0 ls5 ws5\">3.12% \u2013 3.20%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b2c y68c3 we52 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">3.00% \u2013 3.56%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y6b1b we53 h25c\"><div class=\"t m0 x1ed h3b y6600 ff1 fs5 fc3 sc0 ls5 ws0\">Interest expense</div><div class=\"t m0 x1b2d h3c y667e ff1 fs1b fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b00 y6695 we54 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff7 fs5 fc3 sc0 ls5 ws5\">1.78% \u2013 1.85%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b2e y6695 we55 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">1.77% \u2013 2.01%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y65f3 we39 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">Non-interest income \u2013 financial investments return<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b2f y65f3 we56 h201\"><div class=\"t m0 x1ed h3d y6548 ff7 fs5 fc3 sc0 ls5 ws5\">2.24% \u2013 3.55%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b30 y65f3 we57 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">1.91%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y68a8 we3c h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Other non-interest income growth rate<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b31 y68a8 we4d h201\"><div class=\"t m0 x1ed h3d y6548 ff7 fs5 fc3 sc0 ls5 ws5\">3.33% \u2013 4.59%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b32 y68a8 we4e h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">3.77% \u2013 4.52%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y6b1c we58 h25c\"><div class=\"t m0 x1ed h3b y6600 ff1 fs5 fc3 sc0 ls5 ws0\">Operating expense</div><div class=\"t m0 x1b33 h3c y667e ff1 fs1b fc3 sc0 ls0 ws0\">3<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b1c y68a9 we4d h201\"><div class=\"t m0 x1ed h3d y6548 ff7 fs5 fc3 sc0 ls5 ws5\">3.33% \u2013 4.59%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b34 y68a9 we4e h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">3.77% \u2013 4.52%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y6b1d we59 h25c\"><div class=\"t m0 x1ed h3b y6600 ff1 fs5 fc3 sc0 ls5 ws0\">Expected credit losses as a percentage of customer loans</div><div class=\"t m0 x1b35 h3c y667e ff1 fs1b fc3 sc0 ls0 ws0\">4<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x6c8 y68ab we5a h201\"><div class=\"t m0 x1ed h3d y6548 ff7 fs5 fc3 sc0 ls5 ws5\">0.77%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b36 y68ab we5b h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">0.84% \u2013 1.36%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x235 h1a y6b1e ff4 fs5 fc3 sc0 ls5 ws5\">Expected credit losses as a percentage of <span class=\"_ _7\"></span>financial investments measured at amortised cost </td><td></td><td></td></tr><tr><td class=\"c x1ee y6b1f we5c h25c\"><div class=\"t m0 x1ed h3b y6600 ff1 fs5 fc3 sc0 ls5 ws0\">and FVOCI</div><div class=\"t m0 x11c6 h3c y667e ff1 fs1b fc3 sc0 ls0 ws0\">4<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x6c8 y6659 we5d h201\"><div class=\"t m0 x1ed h3d y6548 ff7 fs5 fc3 sc0 ls5 ws5\">0.57%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b37 y6659 we5e h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">0.48% \u2013 1.26%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y665a we5f h220\"><div class=\"t m0 x1ed h3b y6600 ff1 fs5 fc3 sc0 ls5 ws0\">Effective tax rate</div><div class=\"t m0 x1af1 h3c y6601 ff1 fs1b fc3 sc0 ls0 ws0\">5<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b38 y6566 we60 h201\"><div class=\"t m0 x1ed h3d y6548 ff7 fs5 fc3 sc0 ls5 ws5\">12.77% \u2013 12.96%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b39 y6566 we61 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">5.4% \u2013 14.1%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6567 we47 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Capital maintenance ratio<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b3a y6567 wb2b h201\"><div class=\"t m0 x1ed h3d y6548 ff7 fs5 fc3 sc0 ls5 ws5\">8.00%<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b3b y6567 wc4 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">8.00%<span class=\"_ _3eb\"> </span></div></td></tr></table>1 <span class=\"_ _b\"> </span><span class=\"ff4\">Pre-tax discount rate of 15.87 per cent was used in 2025 (2024: 15.31 <span class=\"_ _7\"></span>per cent). The difference in pre-tax discount rates <span class=\"_ _7\"></span>relates to changes in effective tax rate.<span class=\"_ _3eb\"> </span></span>2 <span class=\"_ _f\"> </span><span class=\"ff4\">One-year LPR and three-month SHIBOR rate forecasts were sourced from an external <span class=\"_ _7\"></span>third-party provider, and with a spread derived from <span class=\"_ _7\"></span>long-term historical </span>averages, are used to produce the interest income <span class=\"_ _7\"></span>and interest expense forecasts.<span class=\"_ _3eb\"> </span>3 <span class=\"_ _f\"> </span><span class=\"ff4\">As at 31 December 2025, a growth rate of 4.86 per cent was <span class=\"_ _7\"></span>applied to the FY 2024 operating expense base, <span class=\"_ _7\"></span>the rate being derived from the projected GDP </span>growth<span class=\"_ gs1a2\"> </span>rate for China in 2025. In the prior <span class=\"_ _7\"></span>year the operating expense base was the annualised <span class=\"_ _7\"></span>H1 2024 balance, applying apportioned growth rate assumptions. The current year approach results in higher forecasted <span class=\"_ _7\"></span>operating expenses.<span class=\"_ _3eb\"> </span>4 <span class=\"_ _e\"> </span><span class=\"ff4\">As 31 December 2024 the low end of the range was based <span class=\"_ _7\"></span>on historical loss rates, and the high end <span class=\"_ _7\"></span>of the range, applied in one of the <span class=\"_ _7\"></span>forecast years, included </span>adjustments for incremental judgemental management overlays. As at <span class=\"_ _7\"></span>31 December 2025 the ECL assumption is based <span class=\"_ _7\"></span>on historical loss rates with an adjustment for<span class=\"_ gs1a2\"> </span>incremental judgemental management overlays, applied over the five-year <span class=\"_ _7\"></span>forecast period.<span class=\"_ _3eb\"> </span>5 <span class=\"_ _f\"> </span><span class=\"ff4\">The tax rates disclosed are the implied effective tax rates <span class=\"_ _7\"></span>(per cent) over the five-year forecast period. The <span class=\"_ _7\"></span>31 December 2025 tax expense forecasts, calculated </span>from<span class=\"_ gs1a2\"> </span>the taxable profit, considered the long-term historical average <span class=\"_ _7\"></span>of non-taxable income of 17.18 per cent ( <span class=\"_ _7\"></span>2024: 16.09 per cent) and non-deductible expenses of<span class=\"_ gs1a2\"> </span>14.56<span class=\"_ gs1a2\"> </span>per cent (2024: 12.53 per cent). A statutory <span class=\"_ _7\"></span>tax rate of 25 per cent was applied <span class=\"_ _7\"></span>to the taxable profit of Bohai, after consideration <span class=\"_ _7\"></span>of taxable and <span class=\"ff1 ls0 ws0\"> </span>non-taxable<span class=\"_ gs1a2\"> </span>elements.<span class=\"_ _3eb\"> </span>The table below discloses sensitivities to <span class=\"_ _7\"></span>the key assumptions of Bohai, according to <span class=\"_ _7\"></span>management\u2019s judgement of reasonably possible changes. Changes were applied to <span class=\"_ _7\"></span>every cash flow year on an individual <span class=\"_ _7\"></span>basis. The percentage change to the assumptions reflects the level at which management assess the reasonableness of the assumptions used and their impact on<span class=\"_ gs36\"> </span>the Value in Use. <table class=\"s we29 h2a8\" id=\"_38126f0a-80e3-4b92-9874-61d88867a3d1\"><tr><td></td><td></td><td class=\"t m0 x127c h38 y6b0c ff5 fs17 fc0 sc0 ls21 ws20\">Key assumption </td><td class=\"t m0 x1af6 h38 y6b0c ff5 fs17 fc0 sc0 ls21 ws20\">Key assumption </td></tr><tr><td></td><td></td><td class=\"t m0 x1af7 h38 y6b0d ff2 fs17 fc0 sc0 ls21 ws20\">increase<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1a70 h38 y6b0d ff5 fs17 fc0 sc0 ls21 ws20\">decrease<span class=\"_ _3eb\"> </span></td></tr><tr><td></td><td></td><td class=\"t m0 x1af8 h38 y6b0e ff5 fs17 fc0 sc0 ls21 ws20\">Increase/<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x4bb h38 y6b0e ff5 fs17 fc0 sc0 ls21 ws20\">Increase/<span class=\"_ _3eb\"> </span></td></tr><tr><td></td><td></td><td class=\"t m0 xbee h38 y6b0f ff5 fs17 fc0 sc0 ls21 ws20\">(decrease) <span class=\"ff2 ls0 ws0\"> </span></td><td class=\"t m0 x1af9 h38 y6b0f ff5 fs17 fc0 sc0 ls21 ws20\">(decrease) <span class=\"ff2 ls0 ws0\"> </span></td></tr><tr><td></td><td></td><td class=\"t m0 x2e2 h38 y6b10 ff5 fs17 fc0 sc0 ls21 ws20\">in VIU <span class=\"ff2 ls0 ws0\"> </span></td><td class=\"t m0 x66b h38 y6b10 ff5 fs17 fc0 sc0 ls21 ws20\">in VIU <span class=\"ff2 ls0 ws0\"> </span></td></tr><tr><td class=\"c x1ee y6b11 we2a h2a9\"><div class=\"t m0 x1ed h38 y6563 ff5 fs17 fc3 sc0 ls21 ws20\">Sensitivities</div><div class=\"t m0 x182f h1d4 y65fd ff6 fs19 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x1afa h38 y6b12 ff2 fs17 fc0 sc0 ls21 ws0\">basis points<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1afb h38 y6b12 ff5 fs17 fc0 sc0 ls21 ws20\">$ million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1a6f h38 y6b12 ff5 fs17 fc0 sc0 ls21 ws20\">$ million<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c n x1ee y6996 we2b h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Discount Rate<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1afc y6996 we2c h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">100<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1afd y6996 we2d h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws0\">(31)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1afe y6996 we2e h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws0\">33<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y6b13 we2f h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Total balance sheet (and risk weighted asset) <span class=\"_ _7\"></span>growth rate</div><div class=\"t m0 x1aff h3c y65df ff1 fs1b fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b00 y6998 w39d h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">100<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b01 y6998 we30 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws0\">(40)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b02 y6998 we31 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws0\">38<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6999 we32 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">P/E multiple used to calculate TV<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b03 y6999 we33 h203\"><div class=\"t m0 x1ed h3d y655f ff7 fs5 fc3 sc0 ls5 ws5\">1.0x<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b04 y6999 wd25 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws0\">112<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b05 y6999 wa59 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws0\">(112)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y681f we34 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Net interest income \u2013 Scenario 1</div><div class=\"t m0 x163a h3c y65df ff1 fs1b fc3 sc0 ls0 ws0\">3<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b06 y68c3 w3d2 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">10<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b07 y68c3 w4b4 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws0\">(19)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b08 y68c3 w473 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws0\">19<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y6820 we35 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Net interest income \u2013 Scenario 2</div><div class=\"t m0 x1b09 h3c y65df ff1 fs1b fc3 sc0 ls0 ws0\">4<span class=\"_ _3eb\"> </span></div></td><td class=\"c x1b0b y6695 we36 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">Various</div><div class=\"t m0 x1b0a h93 y6657 ff6 fs1b fc3 sc0 ls0 ws0\">4<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b0c y6695 we37 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws0\">375<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b0d y6695 we38 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws0\">(234)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6b14 we39 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">Non-interest income \u2013 financial investments return<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b0e y6b14 we2c h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">100<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b0f y6b14 we3a h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws0\">295<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xa99 y6b14 we3b h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws0\">(295)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y65f4 we3c h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Other non-interest income growth rate<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b10 y65f4 we2c h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">100<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b11 y65f4 we3d h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws0\">54<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b12 y65f4 w3a4 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(52)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y65f5 we3e h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Operating expense<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b13 y65f5 w39d h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">100<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b14 y65f5 we3f h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(70)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x289 y65f5 w476 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">68<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y65f6 we40 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Expected credit losses as a percentage of customer loans<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b15 y65f6 w3d2 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">10<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b16 y65f6 we41 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws0\">(147)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b17 y65f6 we42 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws0\">147<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x235 h1a y6b15 ff4 fs5 fc3 sc0 ls5 ws5\">Expected credit losses as a percentage of <span class=\"_ _7\"></span>financial investments measured at amortised </td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y6577 we43 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">cost and FVOCI<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b18 y6577 wa9 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">10<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b19 y6577 w27d h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws0\">(86)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b1a y6577 we44 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws0\">85<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y665a we45 h231\"><div class=\"t m0 x1ed h3b y6600 ff1 fs5 fc3 sc0 ls5 ws0\">Tax expense</div><div class=\"t m0 x1b1b h3c y667e ff1 fs1b fc3 sc0 ls0 ws0\">5<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b1c y6566 w98c h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">300<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b1d y6566 we46 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws0\">27<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b1e y6566 wa3 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws0\">(28)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6567 we47 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Capital maintenance ratio<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b1f y6567 w38e h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">50<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b20 y6567 w3a4 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws0\">(25)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b21 y6567 w3e7 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws0\">25<span class=\"_ _3eb\"> </span></div></td></tr></table>1 <span class=\"_ _b\"> </span><span class=\"ff4\">For comparative information as at 31 December 2024, refer to page 365 of <span class=\"_ _7\"></span>the Group\u2019s Annual Report 2024.<span class=\"_ _3eb\"> </span></span>2 <span class=\"_ _f\"> </span><span class=\"ff4\">The sensitivity reflects the net impact of changing this assumption in the <span class=\"_ _7\"></span>VIU, which links to various elements in forecast <span class=\"_ _7\"></span>profit and regulatory capital adjustment.<span class=\"_ _3eb\"> </span></span>3 <span class=\"_ _f\"> </span><span class=\"ws0\">This scenario assumes that one-year LPR and three-month SHIBOR increase or decrease by the same amount, to demonstrate the impact on the carrying amount </span>of a similar scenario.<span class=\"_ _3eb\"> </span>4 <span class=\"_ _e\"> </span><span class=\"ff4\">An alternative scenario is that Bohai\u2019s asset yield and liability cost move <span class=\"_ _7\"></span>in the same direction, albeit by different amounts, <span class=\"_ _7\"></span>through the five-year forecast period </span>including the terminal value. The key assumption increase <span class=\"_ _7\"></span>sensitivity assumes that asset yields increase by 25 <span class=\"_ _7\"></span>basis points and liability costs increase by 10 <span class=\"_ _7\"></span>basis points in each period. The key assumption decrease <span class=\"_ _7\"></span>sensitivity assumes that asset yields decrease by 25 <span class=\"_ _7\"></span>basis points and liability costs decrease by 15 <span class=\"_ _7\"></span>basis points in<span class=\"_ gs1a2\"> </span>each period.<span class=\"_ _3eb\"> </span>5 <span class=\"_ _f\"> </span><span class=\"ff4\">Changes in tax expense applied only to both average percentages <span class=\"_ _7\"></span>of non-taxable income (17.18 per cent) and non-deductible <span class=\"_ _7\"></span>expenses (14.56 per cent). </span>Refer<span class=\"_ gs1a2\"> </span>to<span class=\"_ gs1a2\"> </span>footnote 5 of the key assumptions table for <span class=\"_ _7\"></span>more details.<span class=\"_ _3eb\"> </span>The following table sets out the <span class=\"_ _7\"></span>summarised financial statements of China Bohai Bank <span class=\"_ _7\"></span>prior to the Group\u2019s share of <span class=\"_ _7\"></span>the associate\u2019s profit being applied:<span class=\"_ _3eb\"> </span><table class=\"s we62 h2ab\" id=\"_96199673-b6a4-4e6c-b8a5-877edd0c16e3\"><tr><td></td><td class=\"t m0 x10c7 h38 y6b20 ff5 fs17 fc0 sc0 ls21 ws20\">30.09.25 </td><td class=\"t m0 x10c8 h2c y6b20 ff4 fs17 fc3 sc0 ls21 ws20\">30.09.24 </td></tr><tr><td></td><td class=\"t m0 x1eb h38 y6b21 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1ec h2c y6b21 ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c n x1ee y6575 w2d6 h1fe\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Total assets<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b3c y6575 we63 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">272,513<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b3d y6575 we64 h1fe\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">244,510<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6562 w2f5 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">Total liabilities<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b3e y6562 we65 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">256,337<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b3f y6562 we66 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">229,259<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y6b01 we67 h220\"><div class=\"t m0 x1ed h3b y6600 ff1 fs5 fc3 sc0 ls5 ws0\">Operating income</div><div class=\"t m0 x803 h3c y6601 ff1 fs1b fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7b2 y6577 w7b2 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">3,472<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b40 y6577 we68 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">3,583<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y665a we1f h220\"><div class=\"t m0 x1ed h3b y6600 ff1 fs5 fc3 sc0 ls5 ws0\">Net profit</div><div class=\"t m0 x1ae3 h3c y6601 ff1 fs1b fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x804 y6566 w40d h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">762<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b41 y6566 w421 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">681<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y6963 we69 h25c\"><div class=\"t m0 x1ed h3b y6600 ff1 fs5 fc3 sc0 ls5 ws0\">Other comprehensive income</div><div class=\"t m0 xfce h3c y667e ff1 fs1b fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b42 y6567 w58a h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(219)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b43 y6567 w30f h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">69<span class=\"_ _3eb\"> </span></div></td></tr></table>1 <span class=\"_ _b\"> </span><span class=\"ff4\">This represents twelve months of earnings (1 October to 30 September).</span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfJointVenturesExplanatory",
    "language": "en",
    "entity": "scheme:U4LOSYZ7YG4W3S5F2G91",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-746": {
   "value": "Accounting policy<span class=\"_ _3eb\"> </span>Associates and joint arrangements<span class=\"_ _3eb\"> </span>The Group did not have any <span class=\"_ _7\"></span>contractual interest in joint operations. Investments in associates and joint ventures <span class=\"_ _7\"></span>are accounted for by the equity method <span class=\"_ _7\"></span>of accounting and are initially recognised at cost. The Group\u2019s investment <span class=\"_ _7\"></span>in associates and joint ventures includes goodwill <span class=\"_ _7\"></span>identified on acquisition (net<span class=\"_ gs36\"> </span>of<span class=\"_ gs36\"> </span>any accumulated impairment loss). The Group\u2019s share of its associates\u2019 <span class=\"_ _7\"></span>and joint ventures\u2019 post-acquisition profits or losses <span class=\"_ _7\"></span>is recognised in the income statement, and its share of post-acquisition <span class=\"_ _7\"></span>movements in other comprehensive income is recognised <span class=\"_ _7\"></span>in reserves. The<span class=\"_ gs36\"> </span>cumulative post-acquisition movements are adjusted against <span class=\"_ _7\"></span>the carrying amount of the investment. When <span class=\"_ _7\"></span>the Group\u2019s<span class=\"_ gs36\"> </span>share of losses in an associate <span class=\"_ _7\"></span>or a joint venture equals or exceeds <span class=\"_ _7\"></span>its interest in the associate, including <span class=\"_ _7\"></span>any other unsecured receivables, the Group does not <span class=\"_ _7\"></span>recognise further losses, unless it has incurred <span class=\"_ _7\"></span>obligations or made payments on<span class=\"_ gs36\"> </span>behalf of the associate or joint <span class=\"_ _7\"></span>venture.<span class=\"_ _3eb\"> </span>Unrealised gains and losses on transactions <span class=\"_ _7\"></span>between the Group and its associates and <span class=\"_ _7\"></span>joint ventures are eliminated to the extent of the Group\u2019s interest in <span class=\"_ _7\"></span>the associates and joint ventures. At each <span class=\"_ _7\"></span>balance sheet date, the Group assesses <span class=\"_ _7\"></span>whether there is any objective evidence of <span class=\"_ _7\"></span>impairment in the investment in associates and <span class=\"_ _7\"></span>joint ventures. Such evidence includes a<span class=\"_ gs36\"> </span>significant or prolonged decline in the <span class=\"_ _7\"></span>fair value of the Group\u2019s investment in <span class=\"_ _7\"></span>an associate or joint venture below <span class=\"_ _7\"></span>its cost, among other factors.<span class=\"_ _3eb\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForInvestmentInAssociates",
    "language": "en",
    "entity": "scheme:U4LOSYZ7YG4W3S5F2G91",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-740": {
   "value": "Accounting policy<span class=\"_ _3eb\"> </span>Associates and joint arrangements<span class=\"_ _3eb\"> </span>The Group did not have any <span class=\"_ _7\"></span>contractual interest in joint operations. Investments in associates and joint ventures <span class=\"_ _7\"></span>are accounted for by the equity method <span class=\"_ _7\"></span>of accounting and are initially recognised at cost. The Group\u2019s investment <span class=\"_ _7\"></span>in associates and joint ventures includes goodwill <span class=\"_ _7\"></span>identified on acquisition (net<span class=\"_ gs36\"> </span>of<span class=\"_ gs36\"> </span>any accumulated impairment loss). The Group\u2019s share of its associates\u2019 <span class=\"_ _7\"></span>and joint ventures\u2019 post-acquisition profits or losses <span class=\"_ _7\"></span>is recognised in the income statement, and its share of post-acquisition <span class=\"_ _7\"></span>movements in other comprehensive income is recognised <span class=\"_ _7\"></span>in reserves. The<span class=\"_ gs36\"> </span>cumulative post-acquisition movements are adjusted against <span class=\"_ _7\"></span>the carrying amount of the investment. When <span class=\"_ _7\"></span>the Group\u2019s<span class=\"_ gs36\"> </span>share of losses in an associate <span class=\"_ _7\"></span>or a joint venture equals or exceeds <span class=\"_ _7\"></span>its interest in the associate, including <span class=\"_ _7\"></span>any other unsecured receivables, the Group does not <span class=\"_ _7\"></span>recognise further losses, unless it has incurred <span class=\"_ _7\"></span>obligations or made payments on<span class=\"_ gs36\"> </span>behalf of the associate or joint <span class=\"_ _7\"></span>venture.<span class=\"_ _3eb\"> </span>Unrealised gains and losses on transactions <span class=\"_ _7\"></span>between the Group and its associates and <span class=\"_ _7\"></span>joint ventures are eliminated to the extent of the Group\u2019s interest in <span class=\"_ _7\"></span>the associates and joint ventures. At each <span class=\"_ _7\"></span>balance sheet date, the Group assesses <span class=\"_ _7\"></span>whether there is any objective evidence of <span class=\"_ _7\"></span>impairment in the investment in associates and <span class=\"_ _7\"></span>joint ventures. Such evidence includes a<span class=\"_ gs36\"> </span>significant or prolonged decline in the <span class=\"_ _7\"></span>fair value of the Group\u2019s investment in <span class=\"_ _7\"></span>an associate or joint venture below <span class=\"_ _7\"></span>its cost, among other factors.<span class=\"_ _3eb\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForInvestmentsInJointVentures",
    "language": "en",
    "entity": "scheme:U4LOSYZ7YG4W3S5F2G91",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-736": {
   "value": "Accounting policy<span class=\"_ _3eb\"> </span>Associates and joint arrangements<span class=\"_ _3eb\"> </span>The Group did not have any <span class=\"_ _7\"></span>contractual interest in joint operations. Investments in associates and joint ventures <span class=\"_ _7\"></span>are accounted for by the equity method <span class=\"_ _7\"></span>of accounting and are initially recognised at cost. The Group\u2019s investment <span class=\"_ _7\"></span>in associates and joint ventures includes goodwill <span class=\"_ _7\"></span>identified on acquisition (net<span class=\"_ gs36\"> </span>of<span class=\"_ gs36\"> </span>any accumulated impairment loss). The Group\u2019s share of its associates\u2019 <span class=\"_ _7\"></span>and joint ventures\u2019 post-acquisition profits or losses <span class=\"_ _7\"></span>is recognised in the income statement, and its share of post-acquisition <span class=\"_ _7\"></span>movements in other comprehensive income is recognised <span class=\"_ _7\"></span>in reserves. The<span class=\"_ gs36\"> </span>cumulative post-acquisition movements are adjusted against <span class=\"_ _7\"></span>the carrying amount of the investment. When <span class=\"_ _7\"></span>the Group\u2019s<span class=\"_ gs36\"> </span>share of losses in an associate <span class=\"_ _7\"></span>or a joint venture equals or exceeds <span class=\"_ _7\"></span>its interest in the associate, including <span class=\"_ _7\"></span>any other unsecured receivables, the Group does not <span class=\"_ _7\"></span>recognise further losses, unless it has incurred <span class=\"_ _7\"></span>obligations or made payments on<span class=\"_ gs36\"> </span>behalf of the associate or joint <span class=\"_ _7\"></span>venture.<span class=\"_ _3eb\"> </span>Unrealised gains and losses on transactions <span class=\"_ _7\"></span>between the Group and its associates and <span class=\"_ _7\"></span>joint ventures are eliminated to the extent of the Group\u2019s interest in <span class=\"_ _7\"></span>the associates and joint ventures. At each <span class=\"_ _7\"></span>balance sheet date, the Group assesses <span class=\"_ _7\"></span>whether there is any objective evidence of <span class=\"_ _7\"></span>impairment in the investment in associates and <span class=\"_ _7\"></span>joint ventures. Such evidence includes a<span class=\"_ gs36\"> </span>significant or prolonged decline in the <span class=\"_ _7\"></span>fair value of the Group\u2019s investment in <span class=\"_ _7\"></span>an associate or joint venture below <span class=\"_ _7\"></span>its cost, among other factors.<span class=\"_ _3eb\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForInvestmentInAssociatesAndJointVenturesExplanatory",
    "language": "en",
    "entity": "scheme:U4LOSYZ7YG4W3S5F2G91",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-726": {
   "value": "Accounting policy<span class=\"_ _3eb\"> </span>Associates and joint arrangements<span class=\"_ _3eb\"> </span>The Group did not have any <span class=\"_ _7\"></span>contractual interest in joint operations. Investments in associates and joint ventures <span class=\"_ _7\"></span>are accounted for by the equity method <span class=\"_ _7\"></span>of accounting and are initially recognised at cost. The Group\u2019s investment <span class=\"_ _7\"></span>in associates and joint ventures includes goodwill <span class=\"_ _7\"></span>identified on acquisition (net<span class=\"_ gs36\"> </span>of<span class=\"_ gs36\"> </span>any accumulated impairment loss). The Group\u2019s share of its associates\u2019 <span class=\"_ _7\"></span>and joint ventures\u2019 post-acquisition profits or losses <span class=\"_ _7\"></span>is recognised in the income statement, and its share of post-acquisition <span class=\"_ _7\"></span>movements in other comprehensive income is recognised <span class=\"_ _7\"></span>in reserves. The<span class=\"_ gs36\"> </span>cumulative post-acquisition movements are adjusted against <span class=\"_ _7\"></span>the carrying amount of the investment. When <span class=\"_ _7\"></span>the Group\u2019s<span class=\"_ gs36\"> </span>share of losses in an associate <span class=\"_ _7\"></span>or a joint venture equals or exceeds <span class=\"_ _7\"></span>its interest in the associate, including <span class=\"_ _7\"></span>any other unsecured receivables, the Group does not <span class=\"_ _7\"></span>recognise further losses, unless it has incurred <span class=\"_ _7\"></span>obligations or made payments on<span class=\"_ gs36\"> </span>behalf of the associate or joint <span class=\"_ _7\"></span>venture.<span class=\"_ _3eb\"> </span>Unrealised gains and losses on transactions <span class=\"_ _7\"></span>between the Group and its associates and <span class=\"_ _7\"></span>joint ventures are eliminated to the extent of the Group\u2019s interest in <span class=\"_ _7\"></span>the associates and joint ventures. At each <span class=\"_ _7\"></span>balance sheet date, the Group assesses <span class=\"_ _7\"></span>whether there is any objective evidence of <span class=\"_ _7\"></span>impairment in the investment in associates and <span class=\"_ _7\"></span>joint ventures. Such evidence includes a<span class=\"_ gs36\"> </span>significant or prolonged decline in the <span class=\"_ _7\"></span>fair value of the Group\u2019s investment in <span class=\"_ _7\"></span>an associate or joint venture below <span class=\"_ _7\"></span>its cost, among other factors.<span class=\"_ _3eb\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForSubsidiariesExplanatory",
    "language": "en",
    "entity": "scheme:U4LOSYZ7YG4W3S5F2G91",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-727": {
   "value": "Business combinations<span class=\"_ _3eb\"> </span>The acquisition method of accounting is <span class=\"_ _7\"></span>used to account for the acquisition of <span class=\"_ _7\"></span>subsidiaries by the Group. In the Company\u2019s financial statements, investment <span class=\"_ _7\"></span>in subsidiaries, associates and joint ventures are <span class=\"_ _7\"></span>held at cost less impairment and dividends from pre-acquisition profits <span class=\"_ _7\"></span>received prior to 1 January 2009, if <span class=\"_ _7\"></span>any. Inter-company transactions, balances and unrealised gains and losses <span class=\"_ _7\"></span>on transactions between Group companies are eliminated <span class=\"_ _7\"></span>in the Group accounts.<span class=\"_ _3eb\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForBusinessCombinationsExplanatory",
    "language": "en",
    "entity": "scheme:U4LOSYZ7YG4W3S5F2G91",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-652": {
   "value": "33. Structured entities<span class=\"_ _3eb\"> </span>Accounting policy<span class=\"_ _3eb\"> </span>Structured entities are consolidated when the <span class=\"_ _7\"></span>substance of the relationship between the Group <span class=\"_ _7\"></span>and the structured entity indicates the Group has power over <span class=\"_ _7\"></span>the contractual relevant activities of the structured <span class=\"_ _7\"></span>entity, is exposed to variable returns, and can use that power to <span class=\"_ _7\"></span>affect the variable return exposure.<span class=\"_ _3eb\"> </span>In determining whether to consolidate a <span class=\"_ _7\"></span>structured entity to which assets have been <span class=\"_ _7\"></span>transferred, the Group takes into account its ability to direct the <span class=\"_ _7\"></span>relevant activities of the structured entity. These <span class=\"_ _7\"></span>relevant activities are generally evidenced through a unilateral right to liquidate <span class=\"_ _7\"></span>the structured entity, investment in a substantial <span class=\"_ _7\"></span>proportion of the securities issued by<span class=\"_ gs36\"> </span>the structured entity or where the <span class=\"_ _7\"></span>Group holds specific subordinate securities that embody <span class=\"_ _7\"></span>certain controlling rights. The<span class=\"_ gs36\"> </span>Group may further consider relevant activities <span class=\"_ _7\"></span>embedded within contractual arrangements such as call <span class=\"_ _7\"></span>options which give the practical ability to direct <span class=\"_ _7\"></span>the entity, special relationships between the structured <span class=\"_ _7\"></span>entity and investors, and if a <span class=\"_ _7\"></span>single investor has a large exposure to <span class=\"_ _7\"></span>variable returns of the structured entity.<span class=\"_ _3eb\"> </span>Judgement is required in determining control <span class=\"_ _7\"></span>over structured entities. The purpose and design <span class=\"_ _7\"></span>of the entity is considered, along with a determination of what <span class=\"_ _7\"></span>the relevant activities are of the entity <span class=\"_ _7\"></span>and who directs these. Further judgements <span class=\"_ _7\"></span>are made around which investor is exposed <span class=\"_ _7\"></span>to and absorbs the variable returns of <span class=\"_ _7\"></span>the structured entity. The Group will <span class=\"_ _7\"></span>have to weigh up all of these facts <span class=\"_ _7\"></span>to consider whether the Group, or another <span class=\"_ _7\"></span>involved party is acting as a <span class=\"_ _7\"></span>principal in its own right or as an agent on behalf of <span class=\"_ _7\"></span>others. Judgement is further required in the <span class=\"_ _7\"></span>ongoing assessment of control over structured <span class=\"_ _7\"></span>entities, specifically if market conditions have an <span class=\"_ _7\"></span>effect on the variable return exposure of <span class=\"_ _7\"></span>different investors.<span class=\"_ _3eb\"> </span>Interests in consolidated structured entities:<span class=\"ff4\"> A <span class=\"_ _7\"></span>structured entity is consolidated into the <span class=\"_ _7\"></span>Group\u2019s financial statements where </span>the<span class=\"_ gs36\"> </span>Group controls the structured entity, as <span class=\"_ _7\"></span>per the determination in the accounting policy <span class=\"_ _7\"></span>above. The following table presents the Group\u2019s <span class=\"_ _7\"></span>interests in consolidated structured entities.<span class=\"_ _3eb\"> </span><table class=\"s w40f h2ac\" id=\"_e7f21b79-1cf2-4b02-9dc7-4772ee70216d\"><tr><td></td><td class=\"t m0 x230 h38 y6b22 ff5 fs17 fc0 sc0 ls21 ws20\">2025<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x231 h39 y6b22 ff1 fs17 fc3 sc0 ls21 ws20\">2024<span class=\"_ _3eb\"> </span></td></tr><tr><td></td><td class=\"t m0 x233 h38 y6b23 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x234 h2c y6b23 ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c n x1ee y6577 we6a h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">Shipping lease<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b44 y6577 w268 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">17<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b45 y6577 w9e h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">14<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6566 we6b h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">Principal and other structured finance<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b46 y6566 we6c h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">592<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x12a6 y6566 w117 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">474<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6567 w49a h203\"><div class=\"t m0 x1ed h3d y655f ff5 fs5 fc3 sc0 ls5 ws5\">Total<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b47 y6567 we6d h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">609<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b48 y6567 wae0 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">488<span class=\"_ _3eb\"> </span></div></td></tr></table>Interests in unconsolidated structured entities:<span class=\"ff4\"> Unconsolidated <span class=\"_ _7\"></span>structured entities are all structured entities <span class=\"_ _7\"></span>that are not </span>controlled by the Group. The Group <span class=\"_ _7\"></span>enters transactions with unconsolidated structured entities in <span class=\"_ _7\"></span>the normal course of business to facilitate customer transactions and for <span class=\"_ _7\"></span>specific investment opportunities. An interest in a <span class=\"_ _7\"></span>structured entity is contractual or<span class=\"_ gs36\"> </span>non-contractual involvement which creates variability of <span class=\"_ _7\"></span>the returns of the Group arising from <span class=\"_ _7\"></span>the performance of the structured entity.<span class=\"_ _3eb\"> </span><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs960\">The table below presents the carrying <span class=\"_ _7\"></span>amount of the assets recognised in the <span class=\"_ _7\"></span>financial statements relating to variable interests </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs961\">held in unconsolidated structured entities, the <span class=\"_ _7\"></span>maximum exposure to loss relating to those <span class=\"_ _7\"></span>interests and the total assets of </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs962\">the<span class=\"_ gs36\"> </span>structured entities. Maximum exposure to loss <span class=\"_ _7\"></span>is primarily limited to the carrying amount <span class=\"_ _7\"></span>of the Group\u2019s on-balance sheet </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs963\">exposure to the structured entity. For <span class=\"_ _7\"></span>derivatives, the maximum exposure to loss represents <span class=\"_ _7\"></span>the on-balance sheet valuation and </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs964\">not the notional amount. For commitments <span class=\"_ _7\"></span>and guarantees, the maximum exposure to loss <span class=\"_ _7\"></span>is the notional amount of potential </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs965\">future losses.<span class=\"_ _3eb\"> </span></div><div class=\"gs966\"><table class=\"s we6e h2ad\" id=\"_9bc18860-db9c-4828-8be9-1d56b4f2f4c3\"><tr><td></td><td></td><td></td><td class=\"c n xddc y6b24 w281 h21e\"><div class=\"t m0 x1ed h14f y6611 ff5 fs64 fc0 sc0 ls50 ws5b\">2025<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td class=\"c n xddd y6b24 w6f9 h250\"><div class=\"t m0 x1ed h14f y6611 ff1 fs64 fc3 sc0 ls50 ws5b\">2024<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"t m0 x1b49 h14f y6b25 ff5 fs64 fc0 sc0 ls50 ws5b\">Asset-backed </td><td></td><td class=\"t m0 xf41 h14f y6b25 ff5 fs64 fc0 sc0 ls50 ws5b\">Structured </td><td class=\"t m0 x1a2e h14f y6b25 ff5 fs64 fc0 sc0 ls50 ws5b\">Principal </td><td class=\"t m0 x179e h14f y6b25 ff5 fs64 fc0 sc0 ls50 ws5b\">Other </td><td></td><td class=\"t m0 x9cc h151 y6b25 ff1 fs64 fc3 sc0 ls50 ws5b\">Asset-backed </td><td></td><td class=\"t m0 x405 h151 y6b25 ff1 fs64 fc3 sc0 ls50 ws5b\">Structured </td><td class=\"t m0 x9d3 h153 y6b25 ff4 fs64 fc3 sc0 ls50 ws5b\">Principal </td><td class=\"t m0 x179f h151 y6b25 ff1 fs64 fc3 sc0 ls50 ws5b\">Other </td><td></td></tr><tr><td></td><td class=\"t m0 x1b4a h14f y6b26 ff5 fs64 fc0 sc0 ls50 ws5b\">securities<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1b4b h14f y6b26 ff5 fs64 fc0 sc0 ls50 ws5b\">Lending<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x53e h14f y6b26 ff2 fs64 fc0 sc0 ls50 ws5b\">Finance<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1b4c h14f y6b26 ff5 fs64 fc0 sc0 ls50 ws5b\">Finance funds<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x536 h14f y6b26 ff5 fs64 fc0 sc0 ls50 ws5b\">activities<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x161e h14f y6b26 ff5 fs64 fc0 sc0 ls50 ws5b\">Total<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x9cb h153 y6b26 ff4 fs64 fc3 sc0 ls50 ws5b\">securities<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x539 h151 y6b26 ff1 fs64 fc3 sc0 ls50 ws5b\">Lending<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x544 h151 y6b26 ff1 fs64 fc3 sc0 ls50 ws5b\">Finance<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1b4d h151 y6b26 ff1 fs64 fc3 sc0 ls50 ws0\">Finance funds<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x18c0 h153 y6b26 ff4 fs64 fc3 sc0 ls50 ws5b\">activities<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x53d h151 y6b26 ff1 fs64 fc3 sc0 ls50 ws5b\">Total<span class=\"_ _3eb\"> </span></td></tr><tr><td></td><td class=\"t m0 xded h14f y6b27 ff5 fs64 fc0 sc0 ls50 ws5b\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xdee h14f y6b27 ff5 fs64 fc0 sc0 ls50 ws5b\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x53e h14f y6b27 ff5 fs64 fc0 sc0 ls50 ws5b\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x53f h14f y6b27 ff5 fs64 fc0 sc0 ls50 ws5b\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x540 h14f y6b27 ff5 fs64 fc0 sc0 ls50 ws5b\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x541 h14f y6b27 ff5 fs64 fc0 sc0 ls50 ws5b\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x542 h153 y6b27 ff4 fs64 fc3 sc0 ls50 ws5b\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x543 h153 y6b27 ff4 fs64 fc3 sc0 ls50 ws5b\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x544 h153 y6b27 ff4 fs64 fc3 sc0 ls50 ws5b\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x545 h153 y6b27 ff4 fs64 fc3 sc0 ls50 ws5b\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x546 h153 y6b27 ff4 fs64 fc3 sc0 ls50 ws5b\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x547 h153 y6b27 ff4 fs64 fc3 sc0 ls50 ws5b\">$million<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"t m0 x221 h13 y6b28 ff5 fs7 fc3 sc0 ls7 ws7\">Group\u2019s </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m0 x221 h13 y6b29 ff5 fs7 fc3 sc0 ls7 ws7\">interest \u2013 assets<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m0 x221 hb y6b2a ff4 fs7 fc3 sc0 ls7 ws7\">Financial assets </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1ee y6b2c we6f h2ae\"><div class=\"t m0 x1ed hba y6b2b ff1 fs7 fc3 sc0 ls7 ws0\">held at fair value<span class=\"_ _3eb\"> </span></div><div class=\"t m0 x1ed hba y65a9 ff1 fs7 fc3 sc0 ls7 ws0\">through profit<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y6b2d we70 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">or<span class=\"_ gs1a2\"> </span>loss<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b4e y6b2d we71 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">2,143<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b4f y6b2d w846 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">457<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b50 y6b2d we72 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">200<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b51 y6b2d w1ac h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">91<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b52 y6b2d w14e h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b53 y6b2d we73 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">2,891<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b54 y6b2d we74 h20d\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws7\">1,222<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b55 y6b2d we75 h20d\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws7\">255<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b56 y6b2d we76 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">178<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b57 y6b2d we77 h20d\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws7\">124<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b58 y6b2d w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b59 y6b2d we78 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">1,779<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y6b2e we79 h20e\"><div class=\"t m0 x1ed hba y65a2 ff1 fs7 fc3 sc0 ls7 ws0\">Loans and<span class=\"_ _3eb\"> </span></div><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">advances/<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m0 x221 hba y6b2f ff1 fs7 fc3 sc0 ls7 ws7\">Investment </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1ee y6b30 we7a h2af\"><div class=\"t m0 x1ed hb y65b6 ff4 fs7 fc3 sc0 ls7 ws7\">securities at<span class=\"_ _3eb\"> </span></div><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws0\">amortised cost<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b5a y6b30 w5bb h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">15,312<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b5b y6b30 w8ac h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">22,462<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b5c y6b30 we7b h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">14,201<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b5d y6b30 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b5e y6b30 we7c h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">107<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b5f y6b30 we7d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">52,082<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b60 y6b30 we7e h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">16,305<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b61 y6b30 we7f h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">16,735<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b62 y6b30 we80 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">12,656<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b63 y6b30 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b64 y6b30 we81 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">97<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x68c y6b30 we82 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">45,793<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x221 hba y6b31 ff1 fs7 fc3 sc0 ls7 ws7\">Investment </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1ee y6b35 we83 h2b0\"><div class=\"t m0 x1ed hb y6b32 ff4 fs7 fc3 sc0 ls7 ws7\">securities (fair<span class=\"_ _3eb\"> </span></div><div class=\"t m0 x1ed hba y6b33 ff1 fs7 fc3 sc0 ls7 ws0\">value through<span class=\"_ _3eb\"> </span></div><div class=\"t m0 x1ed hba y6b34 ff1 fs7 fc3 sc0 ls7 ws7\">other<span class=\"_ _3eb\"> </span></div><div class=\"t m0 x1ed hba y671e ff1 fs7 fc3 sc0 ls7 ws7\">comprehensive<span class=\"_ _3eb\"> </span></div><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">income)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b65 y6b35 we84 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">1,227<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b66 y6b35 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xffd y6b35 w14e h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xffe y6b35 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x30e y6b35 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b67 y6b35 we85 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">1,227<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b68 y6b35 we86 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">2,371<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b69 y6b35 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b6a y6b35 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b6b y6b35 w14f h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b6c y6b35 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b6d y6b35 we86 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">2,371<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6b36 w56b h20d\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws0\">Other assets<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b6e y6b36 w14e h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b6f y6b36 we87 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">8<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b70 y6b36 w18a h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">12<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b71 y6b36 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b72 y6b36 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b73 y6b36 we88 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">20<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b74 y6b36 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b75 y6b36 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b76 y6b36 w6f0 h20d\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b6b y6b36 w14f h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b6c y6b36 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b77 y6b36 w6f0 h20d\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y67e6 we89 h212\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws0\">Total assets<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b78 y67e6 we8a h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">18,682<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b79 y67e6 we8b h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">22,927<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b7a y67e6 we8c h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">14,413<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b7b y67e6 w1ac h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">91<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b7c y67e6 we8d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">107<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcf8 y67e6 we8e h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">56,220<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b7d y67e6 we8f h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">19,898<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b7e y67e6 w17f h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">16,990<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b7f y67e6 we90 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">12,835<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b80 y67e6 we91 h212\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws7\">124<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b81 y67e6 we81 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">97<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b82 y67e6 we92 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">49,944<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y67e7 we93 h212\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws0\">Off-balance sheet<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b83 y67e7 we94 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">151<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b84 y67e7 we95 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">17,128<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b85 y67e7 w5a5 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">7,471<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b86 y67e7 we96 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">24<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b87 y67e7 we97 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">32<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b88 y67e7 w6d1 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">24,806<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b89 y67e7 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b8a y67e7 we98 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">11,075<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b8b y67e7 we99 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">6,901<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b8c y67e7 w88f h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">63<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b8d y67e7 we9a h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">73<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b8e y67e7 we9b h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">18,112<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x221 hba y6b37 ff1 fs7 fc3 sc0 ls7 ws0\">Group\u2019s maximum </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y6b38 we9c h212\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws0\">exposure to loss<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b8f y6b38 we9d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">18,833<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b90 y6b38 we9e h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">40,055<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b91 y6b38 we9f h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">21,884<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b92 y6b38 wea0 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">115<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b93 y6b38 wea1 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">139<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b94 y6b38 wea2 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">81,026<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b95 y6b38 we8f h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">19,898<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b96 y6b38 wea3 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">28,065<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b97 y6b38 wea4 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">19,736<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b98 y6b38 we76 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">187<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b99 y6b38 wea5 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">170<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b9a y6b38 wea6 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">68,056<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y6567 wea7 h2b1\"><div class=\"t m0 x1ed hba y671e ff1 fs7 fc3 sc0 ls7 ws0\">Total assets of<span class=\"_ _3eb\"> </span></div><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">structured entities<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b9b y6567 wea8 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">183,418<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b9c y6567 wea9 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">24,153<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b9d y6567 weaa h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">17,802<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b9e y6567 weab h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">186<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x181b y6567 w14e h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b9f y6567 weac h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">225,559<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ba0 y6567 wead h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">129,864<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ba1 y6567 weae h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">17,579<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b62 y6567 weaf h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">14,758<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ba2 y6567 web0 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">226<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ba3 y6567 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ba4 y6567 w751 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">162,427<span class=\"_ _3eb\"> </span></div></td></tr></table></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs967\">The main types of activities for <span class=\"_ _7\"></span>which the Group utilises unconsolidated structured entities <span class=\"_ _7\"></span>cover synthetic credit default swaps </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs968\">for managed investment funds (including specialised <span class=\"_ _7\"></span>Principal Finance funds), portfolio management purposes, structured </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs969\">finance and asset-backed securities. These are <span class=\"_ _7\"></span>detailed as follows:</div><div class=\"t m0 h20 ff1 fs2 fc3 sc0 ls0 ws0 gs96a\"> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff7 ls2 ws1\">Asset-backed securities (ABS):<span class=\"ff4\"> The Group also has investments in asset-backed securities issued <span class=\"_ _7\"></span>by third-party sponsored </span></span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs96b\">and managed structured entities. For the <span class=\"_ _7\"></span>purpose of market making and at the <span class=\"_ _7\"></span>discretion of ABS trading desk, the <span class=\"_ _7\"></span>Group </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs96c\">may hold an immaterial amount of <span class=\"_ _7\"></span>debt securities from structured entities originated by <span class=\"_ _7\"></span>credit portfolio management. </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs96d\">This<span class=\"_ gs36\"> </span>is<span class=\"_ gs36\"> </span>disclosed in the ABS column above.</div><div class=\"t m0 h20 ff1 fs2 fc3 sc0 ls0 ws0 gs96e\"> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff7 ls2 ws1\">Portfolio management (Group sponsored entities):</span><span class=\"ls2\"> For the purposes of portfolio management, the Group purchased credit </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs96f\">protection via synthetic credit default swaps <span class=\"_ _7\"></span>from note-issuing structured entities. This credit protection <span class=\"_ _7\"></span>creates credit risk </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs970\">which the structured entity and subsequently <span class=\"_ _7\"></span>the end investor absorbs. The referenced assets <span class=\"_ _7\"></span>remain on the Group\u2019s balance </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs971\">sheet as they are not assigned <span class=\"_ _7\"></span>to these structured entities. The Group continues <span class=\"_ _7\"></span>to own or hold all of <span class=\"_ _7\"></span>the risks and returns </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs972\">relating to these assets. The credit <span class=\"_ _7\"></span>protection obtained from the regulatory-compliant securitisation only <span class=\"_ _7\"></span>serves to protect </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs973\">the Group against losses upon the <span class=\"_ _7\"></span>occurrence of eligible credit events and the <span class=\"_ _7\"></span>underlying assets are not derecognised from </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls31 ws30 gs974\">the Group\u2019s balance <span class=\"_ _1b\"></span>sheet. The Group does not <span class=\"_ _7\"></span>hold any <span class=\"_ _7\"></span>equity interests in <span class=\"_ _1b\"></span>the structured entities, but may <span class=\"_ _7\"></span>hold an<span class=\"_ gs36\"> </span>insignificant </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs975\">amount of the issued notes for <span class=\"_ _7\"></span>market making purposes. This is disclosed in <span class=\"_ _7\"></span>the ABS section above. The<span class=\"_ gs36\"> </span>proceeds of <span class=\"_ _7\"></span>the </div><div class=\"t m0 h9 ff1 fs2 fc3 sc0 ls2 ws0 gs976\">notes\u2019 issuance are typically held as cash collateral in the issuer\u2019s account operated by a trustee or invested in AAA-rated </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls16 ws15 gs977\">government-backed securities to <span class=\"_ _7\"></span>collateralise the structured <span class=\"_ _7\"></span>entities swap obligations <span class=\"_ _7\"></span>to the Group, and <span class=\"_ _1b\"></span>to repay the principal </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs978\">to investors at maturity. The structured <span class=\"_ _7\"></span>entities reimburse the Group on actual losses <span class=\"_ _7\"></span>incurred, through the use of<span class=\"_ gs36\"> </span>the<span class=\"_ gs36\"> </span>cash </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs979\">collateral or realisation of the collateral <span class=\"_ _7\"></span>security. Correspondingly, the structured entities write down <span class=\"_ _7\"></span>the notes issued </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs97a\">by<span class=\"_ gs36\"> </span>an<span class=\"_ gs36\"> </span>equal amount of the losses incurred, <span class=\"_ _7\"></span>in reverse order of seniority. All funding <span class=\"_ _7\"></span>is committed for<span class=\"_ gs36\"> </span>the<span class=\"_ gs36\"> </span>life of these vehicles </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs97b\">and<span class=\"_ gs36\"> </span>the Group has no indirect exposure <span class=\"_ _7\"></span>in respect of the vehicles\u2019 liquidity position. <span class=\"_ _7\"></span>The Group has<span class=\"_ gs36\"> </span>reputational risk in<span class=\"_ gs36\"> </span>respect </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs97c\">of certain portfolio management vehicles and <span class=\"_ _7\"></span>investment funds either because the Group is<span class=\"_ gs36\"> </span>the<span class=\"_ gs36\"> </span>arranger <span class=\"_ _7\"></span>and lead manager </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs97d\">or because the structured entities have <span class=\"_ _7\"></span>Standard Chartered branding. </div><div class=\"t m0 h20 ff1 fs2 fc3 sc0 ls0 ws0 gs97e\"> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff7 ls2 ws1\">Lending:<span class=\"ff4\"> Lending comprises secured lending in the normal course of business to <span class=\"_ _7\"></span>third parties through structured entities.</span></span></div><div class=\"t m0 h20 ff1 fs2 fc3 sc0 ls0 ws0 gs97f\"> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff7 ls2 ws1\">Structured finance:</span><span class=\"ls2\"> Structured finance comprises interests in transactions that the Group or, more usually, a customer has </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs980\">structured, using one or more structured <span class=\"_ _7\"></span>entities, which provide beneficial arrangements for customers. <span class=\"_ _7\"></span>The Group\u2019s exposure </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs981\">primarily represents the provision of funding <span class=\"_ _7\"></span>to these structures as a financial intermediary, <span class=\"_ _7\"></span>for which it receives a lender\u2019s </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs982\">return. The transactions largely relate to <span class=\"_ _7\"></span>real estate financing and the provision of <span class=\"_ _7\"></span>aircraft leasing and ship finance.</div>\u2022<span class=\"_ _b3\"> </span><span class=\"ff7 ls2 ws1\">Principal Finance Fund:<span class=\"ff4\"> The Group\u2019s exposure to Principal Finance Funds represents committed <span class=\"_ _7\"></span>or invested capital </span></span>in<span class=\"_ gs36\"> </span>unleveraged investment funds, primarily investing in <span class=\"_ _7\"></span>pan-Asian infrastructure, real estate and private equity. <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff7 ls2 ws1\">Other activities:<span class=\"ff4\"> Other activities include structured entities created to support margin financing <span class=\"_ _7\"></span>transactions, the refinancing </span></span>of existing credit and debt facilities, <span class=\"_ _7\"></span>as well as setting up of bankruptcy <span class=\"_ _7\"></span>remote structured entities. In the above table, the Group <span class=\"_ _7\"></span>determined the total assets of the structured <span class=\"_ _7\"></span>entities using following bases:  <span class=\"_ _190\"></span>\u2022<span class=\"_ _71\"> </span><span class=\"ff4 ls18 ws17\">Asset Backed Securities, <span class=\"_ _7\"></span>Principal Finance, and <span class=\"_ _1b\"></span>other activities are based on <span class=\"_ _7\"></span>the published total <span class=\"_ _7\"></span>assets of the <span class=\"_ _1b\"></span>structured entities.</span> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">Lending and Structured Finance are estimated based on the Group\u2019s loan values <span class=\"_ _7\"></span>to the structured entities.</span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfInformationAboutInterestsInStructuredEntityExplanatory",
    "language": "en",
    "entity": "scheme:U4LOSYZ7YG4W3S5F2G91",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-728": {
   "value": "Accounting policy<span class=\"_ _3eb\"> </span>Structured entities are consolidated when the <span class=\"_ _7\"></span>substance of the relationship between the Group <span class=\"_ _7\"></span>and the structured entity indicates the Group has power over <span class=\"_ _7\"></span>the contractual relevant activities of the structured <span class=\"_ _7\"></span>entity, is exposed to variable returns, and can use that power to <span class=\"_ _7\"></span>affect the variable return exposure.<span class=\"_ _3eb\"> </span>In determining whether to consolidate a <span class=\"_ _7\"></span>structured entity to which assets have been <span class=\"_ _7\"></span>transferred, the Group takes into account its ability to direct the <span class=\"_ _7\"></span>relevant activities of the structured entity. These <span class=\"_ _7\"></span>relevant activities are generally evidenced through a unilateral right to liquidate <span class=\"_ _7\"></span>the structured entity, investment in a substantial <span class=\"_ _7\"></span>proportion of the securities issued by<span class=\"_ gs36\"> </span>the structured entity or where the <span class=\"_ _7\"></span>Group holds specific subordinate securities that embody <span class=\"_ _7\"></span>certain controlling rights. The<span class=\"_ gs36\"> </span>Group may further consider relevant activities <span class=\"_ _7\"></span>embedded within contractual arrangements such as call <span class=\"_ _7\"></span>options which give the practical ability to direct <span class=\"_ _7\"></span>the entity, special relationships between the structured <span class=\"_ _7\"></span>entity and investors, and if a <span class=\"_ _7\"></span>single investor has a large exposure to <span class=\"_ _7\"></span>variable returns of the structured entity.<span class=\"_ _3eb\"> </span>Judgement is required in determining control <span class=\"_ _7\"></span>over structured entities. The purpose and design <span class=\"_ _7\"></span>of the entity is considered, along with a determination of what <span class=\"_ _7\"></span>the relevant activities are of the entity <span class=\"_ _7\"></span>and who directs these. Further judgements <span class=\"_ _7\"></span>are made around which investor is exposed <span class=\"_ _7\"></span>to and absorbs the variable returns of <span class=\"_ _7\"></span>the structured entity. The Group will <span class=\"_ _7\"></span>have to weigh up all of these facts <span class=\"_ _7\"></span>to consider whether the Group, or another <span class=\"_ _7\"></span>involved party is acting as a <span class=\"_ _7\"></span>principal in its own right or as an agent on behalf of <span class=\"_ _7\"></span>others. Judgement is further required in the <span class=\"_ _7\"></span>ongoing assessment of control over structured <span class=\"_ _7\"></span>entities, specifically if market conditions have an <span class=\"_ _7\"></span>effect on the variable return exposure of <span class=\"_ _7\"></span>different investors.<span class=\"_ _3eb\"> </span>",
   "dimensions": {
    "concept": "standardcharteredplc:DescriptionOfAccountingPolicyForStructuredEntities",
    "language": "en",
    "entity": "scheme:U4LOSYZ7YG4W3S5F2G91",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-672": {
   "value": "<div class=\"t m0 h20 ff7 fs2 fc3 sc0 ls2 ws1 gs955\">Interests in consolidated structured entities:<span class=\"ff4\"> A <span class=\"_ _7\"></span>structured entity is consolidated into the <span class=\"_ _7\"></span>Group\u2019s financial statements where </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs956\">the<span class=\"_ gs36\"> </span>Group controls the structured entity, as <span class=\"_ _7\"></span>per the determination in the accounting policy <span class=\"_ _7\"></span>above. </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs957\">The following table presents the Group\u2019s <span class=\"_ _7\"></span>interests in consolidated structured entities.<span class=\"_ _3eb\"> </span></div><div class=\"gs958\"><table class=\"s w40f h2ac\" id=\"_e7f21b79-1cf2-4b02-9dc7-4772ee70216d\"><tr><td></td><td class=\"t m0 x230 h38 y6b22 ff5 fs17 fc0 sc0 ls21 ws20\">2025<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x231 h39 y6b22 ff1 fs17 fc3 sc0 ls21 ws20\">2024<span class=\"_ _3eb\"> </span></td></tr><tr><td></td><td class=\"t m0 x233 h38 y6b23 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x234 h2c y6b23 ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c n x1ee y6577 we6a h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">Shipping lease<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b44 y6577 w268 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">17<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b45 y6577 w9e h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">14<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6566 we6b h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">Principal and other structured finance<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b46 y6566 we6c h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">592<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x12a6 y6566 w117 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">474<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6567 w49a h203\"><div class=\"t m0 x1ed h3d y655f ff5 fs5 fc3 sc0 ls5 ws5\">Total<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b47 y6567 we6d h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">609<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b48 y6567 wae0 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">488<span class=\"_ _3eb\"> </span></div></td></tr></table></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfInformationAboutConsolidatedStructuredEntitiesExplanatory",
    "language": "en",
    "entity": "scheme:U4LOSYZ7YG4W3S5F2G91",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-673": {
   "value": "<div class=\"t m0 h20 ff7 fs2 fc3 sc0 ls2 ws1 gs95a\">Interests in unconsolidated structured entities:<span class=\"ff4\"> Unconsolidated <span class=\"_ _7\"></span>structured entities are all structured entities <span class=\"_ _7\"></span>that are not </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs95b\">controlled by the Group. The Group <span class=\"_ _7\"></span>enters transactions with unconsolidated structured entities in <span class=\"_ _7\"></span>the normal course of business </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs95c\">to facilitate customer transactions and for <span class=\"_ _7\"></span>specific investment opportunities. An interest in a <span class=\"_ _7\"></span>structured entity is contractual </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs95d\">or<span class=\"_ gs36\"> </span>non-contractual involvement which creates variability of <span class=\"_ _7\"></span>the returns of the Group arising from <span class=\"_ _7\"></span>the performance of the </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs95e\">structured entity.<span class=\"_ _3eb\"> </span></div>The table below presents the carrying <span class=\"_ _7\"></span>amount of the assets recognised in the <span class=\"_ _7\"></span>financial statements relating to variable interests held in unconsolidated structured entities, the <span class=\"_ _7\"></span>maximum exposure to loss relating to those <span class=\"_ _7\"></span>interests and the total assets of the<span class=\"_ gs36\"> </span>structured entities. Maximum exposure to loss <span class=\"_ _7\"></span>is primarily limited to the carrying amount <span class=\"_ _7\"></span>of the Group\u2019s on-balance sheet exposure to the structured entity. For <span class=\"_ _7\"></span>derivatives, the maximum exposure to loss represents <span class=\"_ _7\"></span>the on-balance sheet valuation and not the notional amount. For commitments <span class=\"_ _7\"></span>and guarantees, the maximum exposure to loss <span class=\"_ _7\"></span>is the notional amount of potential future losses.<span class=\"_ _3eb\"> </span><table class=\"s we6e h2ad\" id=\"_9bc18860-db9c-4828-8be9-1d56b4f2f4c3\"><tr><td></td><td></td><td></td><td class=\"c n xddc y6b24 w281 h21e\"><div class=\"t m0 x1ed h14f y6611 ff5 fs64 fc0 sc0 ls50 ws5b\">2025<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td class=\"c n xddd y6b24 w6f9 h250\"><div class=\"t m0 x1ed h14f y6611 ff1 fs64 fc3 sc0 ls50 ws5b\">2024<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"t m0 x1b49 h14f y6b25 ff5 fs64 fc0 sc0 ls50 ws5b\">Asset-backed </td><td></td><td class=\"t m0 xf41 h14f y6b25 ff5 fs64 fc0 sc0 ls50 ws5b\">Structured </td><td class=\"t m0 x1a2e h14f y6b25 ff5 fs64 fc0 sc0 ls50 ws5b\">Principal </td><td class=\"t m0 x179e h14f y6b25 ff5 fs64 fc0 sc0 ls50 ws5b\">Other </td><td></td><td class=\"t m0 x9cc h151 y6b25 ff1 fs64 fc3 sc0 ls50 ws5b\">Asset-backed </td><td></td><td class=\"t m0 x405 h151 y6b25 ff1 fs64 fc3 sc0 ls50 ws5b\">Structured </td><td class=\"t m0 x9d3 h153 y6b25 ff4 fs64 fc3 sc0 ls50 ws5b\">Principal </td><td class=\"t m0 x179f h151 y6b25 ff1 fs64 fc3 sc0 ls50 ws5b\">Other </td><td></td></tr><tr><td></td><td class=\"t m0 x1b4a h14f y6b26 ff5 fs64 fc0 sc0 ls50 ws5b\">securities<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1b4b h14f y6b26 ff5 fs64 fc0 sc0 ls50 ws5b\">Lending<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x53e h14f y6b26 ff2 fs64 fc0 sc0 ls50 ws5b\">Finance<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1b4c h14f y6b26 ff5 fs64 fc0 sc0 ls50 ws5b\">Finance funds<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x536 h14f y6b26 ff5 fs64 fc0 sc0 ls50 ws5b\">activities<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x161e h14f y6b26 ff5 fs64 fc0 sc0 ls50 ws5b\">Total<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x9cb h153 y6b26 ff4 fs64 fc3 sc0 ls50 ws5b\">securities<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x539 h151 y6b26 ff1 fs64 fc3 sc0 ls50 ws5b\">Lending<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x544 h151 y6b26 ff1 fs64 fc3 sc0 ls50 ws5b\">Finance<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1b4d h151 y6b26 ff1 fs64 fc3 sc0 ls50 ws0\">Finance funds<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x18c0 h153 y6b26 ff4 fs64 fc3 sc0 ls50 ws5b\">activities<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x53d h151 y6b26 ff1 fs64 fc3 sc0 ls50 ws5b\">Total<span class=\"_ _3eb\"> </span></td></tr><tr><td></td><td class=\"t m0 xded h14f y6b27 ff5 fs64 fc0 sc0 ls50 ws5b\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xdee h14f y6b27 ff5 fs64 fc0 sc0 ls50 ws5b\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x53e h14f y6b27 ff5 fs64 fc0 sc0 ls50 ws5b\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x53f h14f y6b27 ff5 fs64 fc0 sc0 ls50 ws5b\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x540 h14f y6b27 ff5 fs64 fc0 sc0 ls50 ws5b\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x541 h14f y6b27 ff5 fs64 fc0 sc0 ls50 ws5b\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x542 h153 y6b27 ff4 fs64 fc3 sc0 ls50 ws5b\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x543 h153 y6b27 ff4 fs64 fc3 sc0 ls50 ws5b\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x544 h153 y6b27 ff4 fs64 fc3 sc0 ls50 ws5b\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x545 h153 y6b27 ff4 fs64 fc3 sc0 ls50 ws5b\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x546 h153 y6b27 ff4 fs64 fc3 sc0 ls50 ws5b\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x547 h153 y6b27 ff4 fs64 fc3 sc0 ls50 ws5b\">$million<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"t m0 x221 h13 y6b28 ff5 fs7 fc3 sc0 ls7 ws7\">Group\u2019s </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m0 x221 h13 y6b29 ff5 fs7 fc3 sc0 ls7 ws7\">interest \u2013 assets<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m0 x221 hb y6b2a ff4 fs7 fc3 sc0 ls7 ws7\">Financial assets </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1ee y6b2c we6f h2ae\"><div class=\"t m0 x1ed hba y6b2b ff1 fs7 fc3 sc0 ls7 ws0\">held at fair value<span class=\"_ _3eb\"> </span></div><div class=\"t m0 x1ed hba y65a9 ff1 fs7 fc3 sc0 ls7 ws0\">through profit<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y6b2d we70 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">or<span class=\"_ gs1a2\"> </span>loss<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b4e y6b2d we71 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">2,143<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b4f y6b2d w846 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">457<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b50 y6b2d we72 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">200<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b51 y6b2d w1ac h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">91<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b52 y6b2d w14e h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b53 y6b2d we73 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">2,891<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b54 y6b2d we74 h20d\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws7\">1,222<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b55 y6b2d we75 h20d\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws7\">255<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b56 y6b2d we76 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">178<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b57 y6b2d we77 h20d\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws7\">124<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b58 y6b2d w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b59 y6b2d we78 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">1,779<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y6b2e we79 h20e\"><div class=\"t m0 x1ed hba y65a2 ff1 fs7 fc3 sc0 ls7 ws0\">Loans and<span class=\"_ _3eb\"> </span></div><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">advances/<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m0 x221 hba y6b2f ff1 fs7 fc3 sc0 ls7 ws7\">Investment </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1ee y6b30 we7a h2af\"><div class=\"t m0 x1ed hb y65b6 ff4 fs7 fc3 sc0 ls7 ws7\">securities at<span class=\"_ _3eb\"> </span></div><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws0\">amortised cost<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b5a y6b30 w5bb h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">15,312<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b5b y6b30 w8ac h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">22,462<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b5c y6b30 we7b h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">14,201<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b5d y6b30 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b5e y6b30 we7c h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">107<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b5f y6b30 we7d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">52,082<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b60 y6b30 we7e h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">16,305<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b61 y6b30 we7f h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">16,735<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b62 y6b30 we80 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">12,656<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b63 y6b30 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b64 y6b30 we81 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">97<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x68c y6b30 we82 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">45,793<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x221 hba y6b31 ff1 fs7 fc3 sc0 ls7 ws7\">Investment </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1ee y6b35 we83 h2b0\"><div class=\"t m0 x1ed hb y6b32 ff4 fs7 fc3 sc0 ls7 ws7\">securities (fair<span class=\"_ _3eb\"> </span></div><div class=\"t m0 x1ed hba y6b33 ff1 fs7 fc3 sc0 ls7 ws0\">value through<span class=\"_ _3eb\"> </span></div><div class=\"t m0 x1ed hba y6b34 ff1 fs7 fc3 sc0 ls7 ws7\">other<span class=\"_ _3eb\"> </span></div><div class=\"t m0 x1ed hba y671e ff1 fs7 fc3 sc0 ls7 ws7\">comprehensive<span class=\"_ _3eb\"> </span></div><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">income)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b65 y6b35 we84 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">1,227<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b66 y6b35 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xffd y6b35 w14e h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xffe y6b35 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x30e y6b35 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b67 y6b35 we85 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">1,227<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b68 y6b35 we86 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">2,371<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b69 y6b35 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b6a y6b35 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b6b y6b35 w14f h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b6c y6b35 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b6d y6b35 we86 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">2,371<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6b36 w56b h20d\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws0\">Other assets<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b6e y6b36 w14e h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b6f y6b36 we87 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">8<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b70 y6b36 w18a h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">12<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b71 y6b36 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b72 y6b36 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b73 y6b36 we88 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">20<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b74 y6b36 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b75 y6b36 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b76 y6b36 w6f0 h20d\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b6b y6b36 w14f h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b6c y6b36 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b77 y6b36 w6f0 h20d\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y67e6 we89 h212\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws0\">Total assets<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b78 y67e6 we8a h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">18,682<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b79 y67e6 we8b h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">22,927<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b7a y67e6 we8c h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">14,413<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b7b y67e6 w1ac h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">91<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b7c y67e6 we8d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">107<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xcf8 y67e6 we8e h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">56,220<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b7d y67e6 we8f h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">19,898<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b7e y67e6 w17f h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">16,990<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b7f y67e6 we90 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">12,835<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b80 y67e6 we91 h212\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws7\">124<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b81 y67e6 we81 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">97<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b82 y67e6 we92 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">49,944<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y67e7 we93 h212\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws0\">Off-balance sheet<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b83 y67e7 we94 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">151<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b84 y67e7 we95 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">17,128<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b85 y67e7 w5a5 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">7,471<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b86 y67e7 we96 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">24<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b87 y67e7 we97 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">32<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b88 y67e7 w6d1 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">24,806<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b89 y67e7 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b8a y67e7 we98 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">11,075<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b8b y67e7 we99 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">6,901<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b8c y67e7 w88f h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">63<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b8d y67e7 we9a h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">73<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b8e y67e7 we9b h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">18,112<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x221 hba y6b37 ff1 fs7 fc3 sc0 ls7 ws0\">Group\u2019s maximum </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y6b38 we9c h212\"><div class=\"t m0 x1ed hb2 y65af ff1 fs7 fc3 sc0 ls7 ws0\">exposure to loss<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b8f y6b38 we9d h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">18,833<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b90 y6b38 we9e h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">40,055<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b91 y6b38 we9f h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">21,884<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b92 y6b38 wea0 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">115<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b93 y6b38 wea1 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">139<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b94 y6b38 wea2 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">81,026<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b95 y6b38 we8f h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">19,898<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b96 y6b38 wea3 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">28,065<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b97 y6b38 wea4 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">19,736<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b98 y6b38 we76 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">187<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b99 y6b38 wea5 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">170<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b9a y6b38 wea6 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">68,056<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y6567 wea7 h2b1\"><div class=\"t m0 x1ed hba y671e ff1 fs7 fc3 sc0 ls7 ws0\">Total assets of<span class=\"_ _3eb\"> </span></div><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">structured entities<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b9b y6567 wea8 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">183,418<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b9c y6567 wea9 h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">24,153<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b9d y6567 weaa h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">17,802<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b9e y6567 weab h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">186<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x181b y6567 w14e h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b9f y6567 weac h20b\"><div class=\"t m0 x1ed hb2 y65af ff6 fs7 fc3 sc0 ls7 ws7\">225,559<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ba0 y6567 wead h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">129,864<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ba1 y6567 weae h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">17,579<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b62 y6567 weaf h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">14,758<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ba2 y6567 web0 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">226<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ba3 y6567 w14d h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ba4 y6567 w751 h20b\"><div class=\"t m0 x1ed hb2 y65af ff4 fs7 fc3 sc0 ls7 ws7\">162,427<span class=\"_ _3eb\"> </span></div></td></tr></table>The main types of activities for <span class=\"_ _7\"></span>which the Group utilises unconsolidated structured entities <span class=\"_ _7\"></span>cover synthetic credit default swaps for managed investment funds (including specialised <span class=\"_ _7\"></span>Principal Finance funds), portfolio management purposes, structured finance and asset-backed securities. These are <span class=\"_ _7\"></span>detailed as follows: <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff7 ls2 ws1\">Asset-backed securities (ABS):<span class=\"ff4\"> The Group also has investments in asset-backed securities issued <span class=\"_ _7\"></span>by third-party sponsored </span></span>and managed structured entities. For the <span class=\"_ _7\"></span>purpose of market making and at the <span class=\"_ _7\"></span>discretion of ABS trading desk, the <span class=\"_ _7\"></span>Group may hold an immaterial amount of <span class=\"_ _7\"></span>debt securities from structured entities originated by <span class=\"_ _7\"></span>credit portfolio management. This<span class=\"_ gs36\"> </span>is<span class=\"_ gs36\"> </span>disclosed in the ABS column above. <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff7 ls2 ws1\">Portfolio management (Group sponsored entities):</span><span class=\"ls2\"> For the purposes of portfolio management, the Group purchased credit </span>protection via synthetic credit default swaps <span class=\"_ _7\"></span>from note-issuing structured entities. This credit protection <span class=\"_ _7\"></span>creates credit risk which the structured entity and subsequently <span class=\"_ _7\"></span>the end investor absorbs. The referenced assets <span class=\"_ _7\"></span>remain on the Group\u2019s balance sheet as they are not assigned <span class=\"_ _7\"></span>to these structured entities. The Group continues <span class=\"_ _7\"></span>to own or hold all of <span class=\"_ _7\"></span>the risks and returns relating to these assets. The credit <span class=\"_ _7\"></span>protection obtained from the regulatory-compliant securitisation only <span class=\"_ _7\"></span>serves to protect the Group against losses upon the <span class=\"_ _7\"></span>occurrence of eligible credit events and the <span class=\"_ _7\"></span>underlying assets are not derecognised from the Group\u2019s balance <span class=\"_ _1b\"></span>sheet. The Group does not <span class=\"_ _7\"></span>hold any <span class=\"_ _7\"></span>equity interests in <span class=\"_ _1b\"></span>the structured entities, but may <span class=\"_ _7\"></span>hold an<span class=\"_ gs36\"> </span>insignificant amount of the issued notes for <span class=\"_ _7\"></span>market making purposes. This is disclosed in <span class=\"_ _7\"></span>the ABS section above. The<span class=\"_ gs36\"> </span>proceeds of <span class=\"_ _7\"></span>the notes\u2019 issuance are typically held as cash collateral in the issuer\u2019s account operated by a trustee or invested in AAA-rated government-backed securities to <span class=\"_ _7\"></span>collateralise the structured <span class=\"_ _7\"></span>entities swap obligations <span class=\"_ _7\"></span>to the Group, and <span class=\"_ _1b\"></span>to repay the principal to investors at maturity. The structured <span class=\"_ _7\"></span>entities reimburse the Group on actual losses <span class=\"_ _7\"></span>incurred, through the use of<span class=\"_ gs36\"> </span>the<span class=\"_ gs36\"> </span>cash collateral or realisation of the collateral <span class=\"_ _7\"></span>security. Correspondingly, the structured entities write down <span class=\"_ _7\"></span>the notes issued by<span class=\"_ gs36\"> </span>an<span class=\"_ gs36\"> </span>equal amount of the losses incurred, <span class=\"_ _7\"></span>in reverse order of seniority. All funding <span class=\"_ _7\"></span>is committed for<span class=\"_ gs36\"> </span>the<span class=\"_ gs36\"> </span>life of these vehicles and<span class=\"_ gs36\"> </span>the Group has no indirect exposure <span class=\"_ _7\"></span>in respect of the vehicles\u2019 liquidity position. <span class=\"_ _7\"></span>The Group has<span class=\"_ gs36\"> </span>reputational risk in<span class=\"_ gs36\"> </span>respect of certain portfolio management vehicles and <span class=\"_ _7\"></span>investment funds either because the Group is<span class=\"_ gs36\"> </span>the<span class=\"_ gs36\"> </span>arranger <span class=\"_ _7\"></span>and lead manager or because the structured entities have <span class=\"_ _7\"></span>Standard Chartered branding.  <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff7 ls2 ws1\">Lending:<span class=\"ff4\"> Lending comprises secured lending in the normal course of business to <span class=\"_ _7\"></span>third parties through structured entities.</span></span> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff7 ls2 ws1\">Structured finance:</span><span class=\"ls2\"> Structured finance comprises interests in transactions that the Group or, more usually, a customer has </span>structured, using one or more structured <span class=\"_ _7\"></span>entities, which provide beneficial arrangements for customers. <span class=\"_ _7\"></span>The Group\u2019s exposure primarily represents the provision of funding <span class=\"_ _7\"></span>to these structures as a financial intermediary, <span class=\"_ _7\"></span>for which it receives a lender\u2019s return. The transactions largely relate to <span class=\"_ _7\"></span>real estate financing and the provision of <span class=\"_ _7\"></span>aircraft leasing and ship finance.<div class=\"t m0 h20 ff1 fs2 fc3 sc0 ls0 ws0 gs984\"> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff7 ls2 ws1\">Principal Finance Fund:<span class=\"ff4\"> The Group\u2019s exposure to Principal Finance Funds represents committed <span class=\"_ _7\"></span>or invested capital </span></span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs985\">in<span class=\"_ gs36\"> </span>unleveraged investment funds, primarily investing in <span class=\"_ _7\"></span>pan-Asian infrastructure, real estate and private equity.</div><div class=\"t m0 h20 ff1 fs2 fc3 sc0 ls0 ws0 gs986\"> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff7 ls2 ws1\">Other activities:<span class=\"ff4\"> Other activities include structured entities created to support margin financing <span class=\"_ _7\"></span>transactions, the refinancing </span></span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs987\">of existing credit and debt facilities, <span class=\"_ _7\"></span>as well as setting up of bankruptcy <span class=\"_ _7\"></span>remote structured entities. </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs988\">In the above table, the Group <span class=\"_ _7\"></span>determined the total assets of the structured <span class=\"_ _7\"></span>entities using following bases: </div><div class=\"t m0 h5 ff1 fs2 fc3 sc0 ls0 ws0 gs989\"> <span class=\"_ _190\"></span>\u2022<span class=\"_ _71\"> </span><span class=\"ff4 ls18 ws17\">Asset Backed Securities, <span class=\"_ _7\"></span>Principal Finance, and <span class=\"_ _1b\"></span>other activities are based on <span class=\"_ _7\"></span>the published total <span class=\"_ _7\"></span>assets of the <span class=\"_ _1b\"></span>structured entities.</span></div><div class=\"t m0 h5 ff1 fs2 fc3 sc0 ls0 ws0 gs98a\"> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">Lending and Structured Finance are estimated based on the Group\u2019s loan values <span class=\"_ _7\"></span>to the structured entities.</span></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfUnconsolidatedStructuredEntitiesExplanatory",
    "language": "en",
    "entity": "scheme:U4LOSYZ7YG4W3S5F2G91",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-653": {
   "value": "<div class=\"t m0 hf ff8 fsb fc2 sc0 lsb ws9 gs98c\">34. Cash flow <span class=\"_ _1b\"></span>statement<span class=\"_ _3eb\"> </span></div><div class=\"t m0 hc ff7 fs8 fc2 sc0 ls8 wsb gs98d\">Adjustment for non-cash <span class=\"_ _7\"></span>items and <span class=\"_ _7\"></span>other adjustments included <span class=\"_ _7\"></span>within income <span class=\"_ _7\"></span>statement<span class=\"_ _3eb\"> </span></div><div class=\"gs98e\"><table class=\"s web1 h2b2\" id=\"_2ea54845-881d-4ad2-b708-dd7aedcb37ae\"><tr><td></td><td class=\"c n x1ba5 y6b39 w1b6 h205\"><div class=\"t m0 x1ed h39 y65c3 ff1 fs17 fc3 sc0 ls21 ws20\">Group<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n x1ba6 y6b39 w1b7 h205\"><div class=\"t m0 x1ed h39 y65c3 ff1 fs17 fc3 sc0 ls21 ws20\">Company<span class=\"_ _3eb\"> </span></div></td><td></td></tr><tr><td></td><td class=\"t m0 x970 h38 y6b3a ff5 fs17 fc0 sc0 ls21 ws20\">2025<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x6be h39 y6b3a ff1 fs17 fc3 sc0 ls21 ws20\">2024<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x230 h38 y6b3a ff5 fs17 fc0 sc0 ls21 ws20\">2025<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x231 h39 y6b3a ff1 fs17 fc3 sc0 ls21 ws20\">2024<span class=\"_ _3eb\"> </span></td></tr><tr><td></td><td class=\"t m0 x4be h38 y6b3b ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x2fa h2c y6b3b ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x233 h38 y6b3b ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x234 h2c y6b3b ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c n x1ee y6556 web2 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">Amortisation of discounts and premiums of investment <span class=\"_ _7\"></span>securities<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ba7 y6556 web3 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(740)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ba8 y6556 web4 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(815)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x111e y6556 w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x111f y6556 w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6557 web5 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">Interest expense on subordinated liabilities<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ba9 y6557 web6 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">552<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1baa y6557 w37d h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">744<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1bab y6557 w1a3 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">471<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x912 y6557 web7 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">578<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6558 web8 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">Interest expense on senior debt securities in <span class=\"_ _7\"></span>issue<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1bac y6558 w235 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">2,392<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1bad y6558 w25c h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">2,584<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1bae y6558 web9 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">1,777<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1baf y6558 w329 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">1,855<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y658b weba h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Other non-cash items<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1bb0 y658b webb h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(152)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1bb1 y658b w811 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(122)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8d4 y658b wa66 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(3)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1bb2 y658b w1ee h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(12)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y655a webc h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">Net (gain)/loss on sale of business<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1bb3 y655a webd h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(242)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1bb4 y655a w2b1 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">210<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb67 y655a w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1bb5 y655a w1cf h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y655b webe h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Pension costs for defined benefit schemes<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1bb6 y655b we8 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">125<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1bb7 y655b w73 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">62<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1196 y655b w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1bb8 y655b w1cf h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y655c webf h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Share-based payment costs<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1bb9 y655c w3e0 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">399<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1bba y655c w2bf h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">334<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1aec y655c w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1bbb y655c w1cf h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y655d wec0 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">Impairment losses on loans and advances and <span class=\"_ _7\"></span>other credit risk provisions<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1bbc y655d w40d h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">672<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1bbd y655d wec1 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">547<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1061 y655d w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1bbe y655d w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6573 wec2 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">Dividend income from subsidiaries<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1bbf y6573 w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x110b y6573 w1cf h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1bc0 y6573 wec3 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(5,160)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1bc1 y6573 w5d1 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(4,101)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6574 w264 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">Other impairment<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x987 y6574 waa1 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">65<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1bc2 y6574 w416 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">588<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8c6 y6574 w1cf h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1bc3 y6574 w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6560 wec4 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Gain on disposal of property, plant and equipment<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x4f1 y6560 wec5 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(133)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1bc4 y6560 w489 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(23)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1bc5 y6560 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x164a y6560 w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6575 wec6 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">Loss on disposal of FVOCI and AMCST <span class=\"_ _7\"></span>financial assets<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1bc6 y6575 w3a6 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">53<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1bc7 y6575 w3db h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">264<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1bc8 y6575 w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x85d y6575 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6562 w53 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">Depreciation and amortisation<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1bc9 y6562 wd3d h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">1,170<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1bca y6562 w62 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">1,126<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10f6 y6562 w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10f7 y6562 w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6610 wec7 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Fair value changes taken to income statement<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1bcb y6610 wec8 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(2,027)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1bcc y6610 wec9 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(2,140)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1bcd y6610 weca h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(53)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1bce y6610 w44 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">9<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6577 wecb h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Foreign Currency revaluation<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x896 y6577 w488 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(87)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1bcf y6577 w2c8 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(583)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1bd0 y6577 wecc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(115)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1bd1 y6577 w41a h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6566 w64 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">Profit from associates and joint ventures<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1bd2 y6566 w6cb h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(62)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1bca y6566 wcdf h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(108)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1571 y6566 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1bd3 y6566 w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6567 w49a h203\"><div class=\"t m0 x1ed h3d y655f ff5 fs5 fc3 sc0 ls5 ws5\">Total<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1bd4 y6567 wb6 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">1,985<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1bd5 y6567 w188 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">2,668<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1bd6 y6567 w1c0 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(3,083)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1bd7 y6567 w1c1 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(1,670)<span class=\"_ _3eb\"> </span></div></td></tr></table></div><div class=\"t m0 hc ff6 fs8 fc2 sc0 ls8 ws0 gs98f\">Change in operating assets<span class=\"_ _3eb\"> </span></div><div class=\"gs990\"><table class=\"s wecd h2b3\" id=\"_049460f9-3fee-4041-9f21-e41efbe4cba5\"><tr><td></td><td class=\"t m0 x970 h38 y6b3c ff5 fs17 fc0 sc0 ls21 ws20\">2025<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x6be h39 y6b3c ff1 fs17 fc3 sc0 ls21 ws20\">2024<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x230 h38 y6b3c ff5 fs17 fc0 sc0 ls21 ws20\">2025<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x231 h39 y6b3c ff1 fs17 fc3 sc0 ls21 ws20\">2024<span class=\"_ _3eb\"> </span></td></tr><tr><td></td><td class=\"t m0 x4be h38 y6b3d ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x2fa h2c y6b3d ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x233 h38 y6b3d ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x234 h2c y6b3d ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c n x1ee y68a8 wece h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">Decrease/(increase) in derivative financial instruments<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1bd8 y68a8 w763 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">16,161<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1bd9 y68a8 wecf h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(31,939)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1bda y68a8 wd16 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(127)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1bdb y68a8 w469 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(32)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x235 h1a y6b3e ff4 fs5 fc3 sc0 ls5 ws5\">(Increase)/decrease in debt securities, treasury bills and <span class=\"_ _7\"></span>equity shares </td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y6562 wed0 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">held at fair value through profit or loss<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1bdc y6562 wed1 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(3,900)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1bdd y6562 wed2 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(25,823)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1bde y6562 wd58 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">4,198<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8d5 y6562 w380 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">376<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6610 wed3 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Increase in loans and advances to banks and customers<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1bdf y6610 wed4 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(11,949)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1be0 y6610 wed5 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(13,776)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1be1 y6610 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1be2 y6610 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6577 wed6 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">Net decrease/(increase) in prepayments and accrued income<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1be3 y6577 w84 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">189<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1a90 y6577 w232 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(224)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1be4 y6577 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1bd3 y6577 w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6566 wed7 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">Net (increase)/decrease in other assets<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1be5 y6566 wed8 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(28,629)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1be6 y6566 w64d h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">5,331<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1be7 y6566 wed9 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(5,305)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1be8 y6566 wccc h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">338<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6567 w49a h203\"><div class=\"t m0 x1ed h3d y655f ff5 fs5 fc3 sc0 ls5 ws5\">Total<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1be9 y6567 w1c4 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(28,128)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1bea y6567 w1c5 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(66,431)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1beb y6567 w1c6 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(1,234)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1bec y6567 w1c7 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">682<span class=\"_ _3eb\"> </span></div></td></tr></table></div><div class=\"t m0 hc ff7 fs8 fc2 sc0 ls8 wsb gs991\">Change in operating <span class=\"_ _7\"></span>liabilities<span class=\"_ _3eb\"> </span></div><div class=\"gs992\"><table class=\"s weda h2b4\" id=\"_078d12d4-2ac2-4a40-802b-570af24518dd\"><tr><td></td><td></td><td></td><td></td><td class=\"t m0 x231 h39 y6b3f ff1 fs17 fc3 sc0 ls21 ws20\">2024<span class=\"_ _3eb\"> </span></td></tr><tr><td></td><td class=\"t m0 x970 h38 y6b40 ff5 fs17 fc0 sc0 ls21 ws20\">2025<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x6be h39 y6b40 ff1 fs17 fc3 sc0 ls21 ws20\">2024<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x230 h38 y6b40 ff5 fs17 fc0 sc0 ls21 ws20\">2025<span class=\"_ _3eb\"> </span></td><td class=\"c x1bee y6b41 wedb h204\"><div class=\"t m0 x1ed h2c y6696 ff4 fs17 fc3 sc0 ls21 ws20\">(Restated)</div><div class=\"t m0 x1bed h3a y69d5 ff1 fs19 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td class=\"t m0 x4be h38 y6b42 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x2fa h2c y6b42 ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x233 h38 y6b42 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x234 h2c y6b42 ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c n x1ee y68a8 wedc h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(Decrease)/ increase in derivative financial instruments<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1bef y68a8 wedd h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(14,304)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1bf0 y68a8 w514 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">26,951<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1bf1 y68a8 wede h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(288)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x188c y68a8 w49b h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(39)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x235 h1a y6b43 ff4 fs5 fc3 sc0 ls5 ws5\">Net increase in deposits from banks, customer <span class=\"_ _7\"></span>accounts, debt securities </td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y658d wedf h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">in<span class=\"_ gs1a1\"> </span>issue, Hong Kong notes in circulation and <span class=\"_ _7\"></span>short positions<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1bf2 y658d wee0 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">71,370<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1bf3 y658d w26c h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">7,253<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1bf4 y658d w70 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">2,083<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1bf5 y658d wee1 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">1,340<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y658e wee2 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Increase in accruals and deferred income<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1bf6 y658e wb9 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">340<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1bf7 y658e w96 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">79<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1bf8 y658e w476 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">98<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1bf9 y658e wae3 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">101<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6659 wee3 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">Net increase/ (decrease) in other liabilities<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1bfa y6659 w3ed h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">513<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1bfb y6659 w20f h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">5,090<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1bfc y6659 w58a h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(129)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1bfd y6659 wae9 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(1,574)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6566 wee4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">Increase in amount due to parents/subsidiaries/other related <span class=\"_ _7\"></span>parties<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb85 y6566 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb86 y6566 w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1bfe y6566 w965 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">190<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1006 y6566 w1ea h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">35<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6567 w49a h203\"><div class=\"t m0 x1ed h3d y655f ff5 fs5 fc3 sc0 ls5 ws5\">Total<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1bff y6567 w1c8 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">57,919<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1c00 y6567 w1c9 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">39,373<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1c01 y6567 w7d h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">1,954<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1c02 y6567 w1ca h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(137)<span class=\"_ _3eb\"> </span></div></td></tr></table></div><div class=\"t m0 hb ff1 fs7 fc3 sc0 ls7 ws7 gs993\">1 <span class=\"_ _b\"> </span><span class=\"ff4\">Prior Period has been restated to exclude Debt Securities in Issue designated at <span class=\"_ _7\"></span>fair value through P&amp;L.  Net increase in <span class=\"_ _7\"></span>deposits from banks, customer accounts, </span></div><div class=\"t m0 hb ff4 fs7 fc3 sc0 ls7 ws7 gs994\">debt securities in issue, Hong Kong notes in <span class=\"_ _7\"></span>circulation and short positions for 2024 has been <span class=\"_ _7\"></span>restated by<span class=\"_ gs1a2\"> </span>$727 million.<span class=\"_ _3eb\"> </span></div><div class=\"t m0 hc ff7 fs8 fc2 sc0 ls8 wsb gs996\">Changes in liabilities <span class=\"_ _7\"></span>arising from <span class=\"_ _7\"></span>financing activities<span class=\"_ _3eb\"> </span></div><div class=\"gs997\"><table class=\"s wef5 h2b6\" id=\"_d3d9b947-1c2f-47d6-b69d-2087aaa94ff6\"><tr><td></td><td class=\"c n x3fd y6b47 w1b6 h205\"><div class=\"t m0 x1ed h39 y65c3 ff1 fs17 fc3 sc0 ls21 ws20\">Group<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n x3fe y6b47 w1b7 h205\"><div class=\"t m0 x1ed h39 y65c3 ff1 fs17 fc3 sc0 ls21 ws20\">Company<span class=\"_ _3eb\"> </span></div></td><td></td></tr><tr><td></td><td class=\"t m0 x3ff h38 y6b48 ff5 fs17 fc0 sc0 ls21 ws20\">2025<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x400 h39 y6b48 ff1 fs17 fc3 sc0 ls21 ws20\">2024<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1e8 h38 y6b48 ff5 fs17 fc0 sc0 ls21 ws20\">2025<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1e9 h39 y6b48 ff1 fs17 fc3 sc0 ls21 ws20\">2024<span class=\"_ _3eb\"> </span></td></tr><tr><td></td><td class=\"t m0 x404 h38 y6b49 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x405 h2c y6b49 ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1eb h38 y6b49 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1ec h2c y6b49 ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"t m0 x221 h1a y6b4a ff4 fs5 fc3 sc0 ls5 ws5\">Subordinated debt (including accrued interest):<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y6556 wef6 h1fe\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Opening balance<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1c1f y6556 wef7 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">10,536<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1c20 y6556 wb89 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">12,216<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1c21 y6556 wef8 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">10,491<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1c22 y6556 wfb h1fe\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">12,123<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6557 wef9 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Interest paid<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1c23 y6557 wefa h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(421)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x83e y6557 w211 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(519)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1c24 y6557 w1ed h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(410)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1c25 y6557 w287 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(505)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6558 wefb h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">Repayment<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1c26 y6558 w21b h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(2,174)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1c27 y6558 w21c h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(1,517)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1c28 y6558 wefc h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(2,174)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1c29 y6558 w21d h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(1,517)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y658b wefd h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Foreign exchange movements<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x845 y658b wa91 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">345<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1c2a y658b w27d h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(191)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b0f y658b we7 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">346<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xfe1 y658b w2d3 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(190)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y655a wefe h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Fair value changes from hedge accounting<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1c2b y655a w113 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">275<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1c2c y655a w947 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">48<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1c2d y655a w1a3 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">174<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1c2e y655a w2c0 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">97<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y655b weff h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Accrued interest and Others<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1c2f y655b w117 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">410<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1c30 y655b wf00 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">499<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1c31 y655b w15f h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">391<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1c32 y655b w9de h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">483<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y655c wf01 h201\"><div class=\"t m0 x1ed h3d y6548 ff5 fs5 fc3 sc0 ls5 ws5\">Closing balance<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1c33 y655c wf02 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">8,971<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1c34 y655c wf03 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">10,536<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x27e y655c waed h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">8,818<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1c35 y655c wb16 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">10,491<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"c x1c37 y6b4b wf04 h215\"><div class=\"t m0 x1ed h2c y65c7 ff4 fs17 fc3 sc0 ls21 ws20\">(Restated)</div><div class=\"t m0 x1c36 h3a y65c8 ff1 fs19 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x221 h1a y6b4c ff4 fs5 fc3 sc0 ls5 ws5\">Senior debt (including accrued interest):<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y6574 wef6 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Opening balance<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1c38 y6574 wf05 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">40,576<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1c39 y6574 w94f h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">41,350<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1c3a y6574 wf06 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">32,835<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1c3b y6574 wf07 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">31,525<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6560 wf08 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Proceeds from the issue<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1c3c y6560 wf09 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">11,583<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1c3d y6560 w220 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">11,044<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1c3e y6560 w221 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">7,955<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1c3f y6560 wf0a h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">7,422<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6575 wef9 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Interest paid<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1c40 y6575 w228 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(1,892)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1c41 y6575 w4eb h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(1,366)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1c42 y6575 wf0b h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(1,576)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1c43 y6575 wf0c h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(1,367)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y658d wefb h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">Repayment<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1c44 y658d wf0d h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(9,364)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1c45 y658d w104 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(11,185)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1c46 y658d wf0e h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">(4,752)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1c47 y658d w8c4 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(6,222)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6610 wefd h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Foreign exchange movements<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x845 y6610 wa5 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">692<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1c48 y6610 w133 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(454)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1c49 y6610 w109 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">664<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1c4a y6610 wf0f h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">(343)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6577 wefe h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Fair value changes from hedge accounting<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1c4b y6577 we12 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">403<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1c4c y6577 w116 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">42<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1c4d y6577 w48c h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">663<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1c4e y6577 w39e h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">321<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6566 weff h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Accrued interest and Others<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1c4f y6566 we1d h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">2,001<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1c50 y6566 wab7 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">1,145<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1c51 y6566 w5f h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">1,700<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1c52 y6566 w7c0 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">1,499<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6567 wf01 h201\"><div class=\"t m0 x1ed h3d y6548 ff5 fs5 fc3 sc0 ls5 ws5\">Closing balance<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1c53 y6567 wf10 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">43,999<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1c54 y6567 wad7 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">40,576<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1c55 y6567 w20b h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">37,489<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1c56 y6567 wca3 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">32,835<span class=\"_ _3eb\"> </span></div></td></tr></table></div><div class=\"t m0 hb ff1 fs7 fc3 sc0 ls7 ws7 gs998\">1 <span class=\"_ _b\"> </span><span class=\"ff4\">Prior Year has been restated to include Debt Securities in Issue designated at <span class=\"_ _7\"></span>fair value through P&amp;L. Opening balance and Closing <span class=\"_ _7\"></span>balance has increased by </span></div><div class=\"t m0 hb ff4 fs7 fc3 sc0 ls7 ws7 gs999\">$14,007 million and $14,175 million respectively. Other related <span class=\"_ _7\"></span>changes include increases in proceeds from issue of <span class=\"_ _7\"></span>$3,535 million, interest paid of $659 million, </div><div class=\"t m0 hb ff4 fs7 fc3 sc0 ls7 ws7 gs99a\">repayment of $3,603 million, fair value changes from <span class=\"_ _7\"></span>hedge accounting of $315 million and accrued interest <span class=\"_ _7\"></span>and others of $675 million.<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs99b\">Senior debt is presented as part <span class=\"_ _7\"></span>of debt securities in issue in the <span class=\"_ _7\"></span>Group and Company balance sheets. Of <span class=\"_ _7\"></span>the $11.6 billion </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs99c\">proceeds from issue of senior debt <span class=\"_ _7\"></span>issued by the Group, $7.9 billion relates <span class=\"_ _7\"></span>to senior debt issued by the <span class=\"_ _7\"></span>Company and $3.7 billion </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs99d\">relates to senior debt issued by <span class=\"_ _7\"></span>the Company\u2019s subsidiaries.</div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfCashFlowStatementExplanatory",
    "language": "en",
    "entity": "scheme:U4LOSYZ7YG4W3S5F2G91",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-654": {
   "value": "35. Cash and <span class=\"_ _1b\"></span>cash equivalents<span class=\"_ _3eb\"> </span>Accounting policy<span class=\"_ _3eb\"> </span>Cash and cash equivalents includes: <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ls2\">Cash on hand and balances at central banks that are on demand or placements which are contractually due to mature<span class=\"_ _11\"></span> </span>overnight only, except for restricted balances; <span class=\"_ _7\"></span>and <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">Other balances listed in the table below, when they have less than <span class=\"_ _7\"></span>three months\u2019 maturity from the date <span class=\"_ _7\"></span>of acquisition, </span>are not subject to contractual restrictions, <span class=\"_ _7\"></span>are subject to insignificant changes in value, <span class=\"_ _7\"></span>are highly liquid and are held for<span class=\"_ gs36\"> </span>the purpose of meeting short-term cash <span class=\"_ _7\"></span>commitments. This includes products such as treasury <span class=\"_ _7\"></span>bills and other eligible bills,<span class=\"_ gs36\"> </span>short-term government securities, loans and advances <span class=\"_ _7\"></span>to banks (including reverse repos), and loans <span class=\"_ _7\"></span>and advances to<span class=\"_ gs36\"> </span>customers (only non demand or non <span class=\"_ _7\"></span>overnight placements at central banks), which are <span class=\"_ _7\"></span>held for appropriate business purposes. On demand accounts with non <span class=\"_ _7\"></span>central banks are reported as part of <span class=\"_ _7\"></span>\u2018Loans &amp; Advances to banks\u2019.<span class=\"_ _3eb\"> </span><table class=\"s wee5 h2b5\" id=\"_cdc7c8f3-70bf-4998-9597-5647878bb42c\"><tr><td></td><td class=\"c n x3fd y6b44 w1b6 h205\"><div class=\"t m0 x1ed h39 y6632 ff1 fs17 fc3 sc0 ls21 ws20\">Group<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n x3fe y6b44 w1b7 h205\"><div class=\"t m0 x1ed h39 y6632 ff1 fs17 fc3 sc0 ls21 ws20\">Company<span class=\"_ _3eb\"> </span></div></td><td></td></tr><tr><td></td><td class=\"t m0 x3ff h38 y6b45 ff5 fs17 fc0 sc0 ls21 ws20\">2025<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x400 h39 y6b45 ff1 fs17 fc3 sc0 ls21 ws20\">2024<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1e8 h38 y6b45 ff5 fs17 fc0 sc0 ls21 ws20\">2025<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1e9 h39 y6b45 ff1 fs17 fc3 sc0 ls21 ws20\">2024<span class=\"_ _3eb\"> </span></td></tr><tr><td></td><td class=\"t m0 x404 h38 y6b46 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x405 h2c y6b46 ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1eb h38 y6b46 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1ec h2c y6b46 ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c n x1ee y667a wbd h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Cash and balances at central banks<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1c03 y667a wee6 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">77,746<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1c04 y667a wc0 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">63,447<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1c05 y667a w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1464 y667a w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6646 wee7 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">Less: restricted balances<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1c06 y6646 wee8 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(11,630)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1c07 y6646 wee9 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(7,799)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1c08 y6646 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1c09 y6646 w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6561 weea h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">Treasury bills and other eligible bills<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1c0a y6561 weeb h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">15,294<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1c0b y6561 wd1e h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">5,472<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1c0c y6561 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1c0d y6561 w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6562 wc8 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Loans and advances to banks<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1c0e y6562 weec h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">8,973<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1c0f y6562 w293 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">9,654<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1c10 y6562 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1c11 y6562 w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6610 weed h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Loans and advances to Customers<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1c12 y6610 weee h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">13,335<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1c13 y6610 weef h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">18,120<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1c14 y6610 w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1c15 y6610 w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6577 wef0 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">Investments<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1c16 y6577 wef1 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">1,204<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1c17 y6577 wa74 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">1,034<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10e4 y6577 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10e5 y6577 w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6566 wef2 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">Amounts owed by and due to subsidiary <span class=\"_ _7\"></span>undertakings<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1c18 y6566 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1c19 y6566 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1c1a y6566 w24d h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">15,226<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1c1b y6566 w14b h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">11,601<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6567 w49a h203\"><div class=\"t m0 x1ed h3d y655f ff5 fs5 fc3 sc0 ls5 ws5\">Total<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1c1c y6567 wef3 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">104,922<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1c1d y6567 wef4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">89,928<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1c1e y6567 w24d h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">15,226<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x20c y6567 w14b h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">11,601</div></td></tr></table>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfCashAndCashEquivalentsExplanatory",
    "language": "en",
    "entity": "scheme:U4LOSYZ7YG4W3S5F2G91",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-729": {
   "value": "Accounting policy<span class=\"_ _3eb\"> </span>Cash and cash equivalents includes: <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ls2\">Cash on hand and balances at central banks that are on demand or placements which are contractually due to mature<span class=\"_ _11\"></span> </span>overnight only, except for restricted balances; <span class=\"_ _7\"></span>and <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">Other balances listed in the table below, when they have less than <span class=\"_ _7\"></span>three months\u2019 maturity from the date <span class=\"_ _7\"></span>of acquisition, </span>are not subject to contractual restrictions, <span class=\"_ _7\"></span>are subject to insignificant changes in value, <span class=\"_ _7\"></span>are highly liquid and are held for<span class=\"_ gs36\"> </span>the purpose of meeting short-term cash <span class=\"_ _7\"></span>commitments. This includes products such as treasury <span class=\"_ _7\"></span>bills and other eligible bills,<span class=\"_ gs36\"> </span>short-term government securities, loans and advances <span class=\"_ _7\"></span>to banks (including reverse repos), and loans <span class=\"_ _7\"></span>and advances to<span class=\"_ gs36\"> </span>customers (only non demand or non <span class=\"_ _7\"></span>overnight placements at central banks), which are <span class=\"_ _7\"></span>held for appropriate business purposes. On demand accounts with non <span class=\"_ _7\"></span>central banks are reported as part of <span class=\"_ _7\"></span>\u2018Loans &amp; Advances to banks\u2019.<span class=\"_ _3eb\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyToDetermineComponentsOfCashAndCashEquivalents",
    "language": "en",
    "entity": "scheme:U4LOSYZ7YG4W3S5F2G91",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-674": {
   "value": "<div class=\"gs3ff\"><table class=\"s wee5 h2b5\" id=\"_cdc7c8f3-70bf-4998-9597-5647878bb42c\"><tr><td></td><td class=\"c n x3fd y6b44 w1b6 h205\"><div class=\"t m0 x1ed h39 y6632 ff1 fs17 fc3 sc0 ls21 ws20\">Group<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n x3fe y6b44 w1b7 h205\"><div class=\"t m0 x1ed h39 y6632 ff1 fs17 fc3 sc0 ls21 ws20\">Company<span class=\"_ _3eb\"> </span></div></td><td></td></tr><tr><td></td><td class=\"t m0 x3ff h38 y6b45 ff5 fs17 fc0 sc0 ls21 ws20\">2025<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x400 h39 y6b45 ff1 fs17 fc3 sc0 ls21 ws20\">2024<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1e8 h38 y6b45 ff5 fs17 fc0 sc0 ls21 ws20\">2025<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1e9 h39 y6b45 ff1 fs17 fc3 sc0 ls21 ws20\">2024<span class=\"_ _3eb\"> </span></td></tr><tr><td></td><td class=\"t m0 x404 h38 y6b46 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x405 h2c y6b46 ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1eb h38 y6b46 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1ec h2c y6b46 ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c n x1ee y667a wbd h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Cash and balances at central banks<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1c03 y667a wee6 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">77,746<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1c04 y667a wc0 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">63,447<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1c05 y667a w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1464 y667a w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6646 wee7 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">Less: restricted balances<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1c06 y6646 wee8 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">(11,630)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1c07 y6646 wee9 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">(7,799)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1c08 y6646 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1c09 y6646 w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6561 weea h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">Treasury bills and other eligible bills<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1c0a y6561 weeb h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">15,294<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1c0b y6561 wd1e h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">5,472<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1c0c y6561 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1c0d y6561 w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6562 wc8 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Loans and advances to banks<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1c0e y6562 weec h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">8,973<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1c0f y6562 w293 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">9,654<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1c10 y6562 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1c11 y6562 w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6610 weed h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Loans and advances to Customers<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1c12 y6610 weee h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">13,335<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1c13 y6610 weef h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">18,120<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1c14 y6610 w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1c15 y6610 w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6577 wef0 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">Investments<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1c16 y6577 wef1 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">1,204<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1c17 y6577 wa74 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">1,034<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10e4 y6577 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10e5 y6577 w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6566 wef2 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">Amounts owed by and due to subsidiary <span class=\"_ _7\"></span>undertakings<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1c18 y6566 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1c19 y6566 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1c1a y6566 w24d h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">15,226<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1c1b y6566 w14b h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">11,601<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6567 w49a h203\"><div class=\"t m0 x1ed h3d y655f ff5 fs5 fc3 sc0 ls5 ws5\">Total<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1c1c y6567 wef3 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">104,922<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1c1d y6567 wef4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">89,928<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1c1e y6567 w24d h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">15,226<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x20c y6567 w14b h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">11,601</div></td></tr></table></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfCashAndBankBalancesAtCentralBanksExplanatory",
    "language": "en",
    "entity": "scheme:U4LOSYZ7YG4W3S5F2G91",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-655": {
   "value": "<div class=\"t m0 hf ff8 fsb fc2 sc0 lsb ws9 gs9ab\">36. Related party <span class=\"_ _1b\"></span>transactions<span class=\"_ _3eb\"> </span></div><div class=\"t m0 hc ff6 fs8 fc2 sc0 ls8 ws0 gs9ac\">Directors and officers<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs9ad\">Details of directors\u2019 remuneration and interests <span class=\"_ _7\"></span>in shares are disclosed in the Directors\u2019 <span class=\"_ _7\"></span>remuneration report.<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs9ae\">IAS 24 Related party disclosures requires <span class=\"_ _7\"></span>the following additional information for key management <span class=\"_ _7\"></span>compensation. </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs9af\">Key<span class=\"_ gs36\"> </span>management comprises non-executive directors, executive directors <span class=\"_ _7\"></span>of Standard Chartered PLC, the Court directors </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs9b0\">of<span class=\"_ gs36\"> </span>Standard Chartered Bank and the persons <span class=\"_ _7\"></span>discharging managerial responsibilities (PDMR) of Standard Chartered <span class=\"_ _7\"></span>PLC.<span class=\"_ _3eb\"> </span></div><div class=\"gs9b1\"><table class=\"s w40f h2b7\" id=\"_1e7f4a14-8463-4455-b8a7-a73067595c4e\"><tr><td></td><td class=\"c x1af2 y6b4d wf11 h21b\"><div class=\"t m0 x1ed h38 y6563 ff5 fs17 fc0 sc0 ls21 ws20\">2025</div><div class=\"t m0 x4b9 ha7 y65fd ff5 fs19 fc0 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x231 h39 y6b4e ff1 fs17 fc3 sc0 ls21 ws20\">2024<span class=\"_ _3eb\"> </span></td></tr><tr><td></td><td class=\"t m0 x233 h38 y6b4f ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x234 h2c y6b4f ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c n x1ee y6562 wf12 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Salaries, allowances and benefits in kind<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1c57 y6562 w1f1 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">47<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1c58 y6562 w9e h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">41<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6610 w4b1 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Share-based payments<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1c59 y6610 w22d h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">40<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1c5a y6610 w48a h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">38<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6577 wf13 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Bonuses paid or receivable<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8c1 y6577 w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1c5b y6577 w57 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">7<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6566 wf14 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">Termination benefits<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8c1 y6566 w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1c5c y6566 w4da h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6567 w49a h201\"><div class=\"t m0 x1ed h3d y6548 ff5 fs5 fc3 sc0 ls5 ws5\">Total<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1c5d y6567 w98d h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">87<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1c5e y6567 wf15 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">88<span class=\"_ _3eb\"> </span></div></td></tr></table></div><div class=\"t m0 hb ff1 fs7 fc3 sc0 ls7 ws7 gs9b2\">1 <span class=\"_ _b\"> </span><span class=\"ff4\">Following the Prudential Regulation Authority (PRA) publication of revised remuneration regulations on 15 <span class=\"_ _7\"></span>October 2025, we have changed the structure of <span class=\"_ _7\"></span>variable </span></div><div class=\"t m0 hb ff4 fs7 fc3 sc0 ls7 ws7 gs9b3\">remuneration from 2025 onwards. This is reflected in <span class=\"_ _7\"></span>the table above, with the value split between <span class=\"_ _7\"></span>salaries, allowances and benefit in kind and share <span class=\"_ _7\"></span>based </div><div class=\"t m0 hb ff4 fs7 fc3 sc0 ls7 ws7 gs9b4\">payments in line with IAS 24.<span class=\"_ _3eb\"> </span></div><div class=\"t m0 hc ff7 fs8 fc2 sc0 ls8 wsb gs9b5\">Transactions with directors <span class=\"_ _7\"></span>and others<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs9b6\">At 31 December 2025, the total <span class=\"_ _7\"></span>amounts to be disclosed under the Companies <span class=\"_ _7\"></span>Act 2006 (the Act) and the <span class=\"_ _7\"></span>Listing Rules </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs9b7\">of<span class=\"_ gs36\"> </span>the<span class=\"_ gs36\"> </span>Hong Kong Stock Exchange Limited (Hong <span class=\"_ _7\"></span>Kong Listing Rules) about loans to directors <span class=\"_ _7\"></span>were as follows:<span class=\"_ _3eb\"> </span></div><div class=\"gs9b8\"><table class=\"s w40f h2b9\" id=\"_574e2b7a-bc94-4ac6-91d0-144da56ff6b0\"><tr><td></td><td class=\"t m0 x230 h38 y6b5a ff5 fs17 fc0 sc0 ls21 ws20\">2025<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x231 h39 y6b5a ff1 fs17 fc3 sc0 ls21 ws20\">2024<span class=\"_ _3eb\"> </span></td></tr><tr><td></td><td class=\"t m0 x233 h38 y6b5b ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x234 h2c y6b5b ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c n x1ee y6566 wf23 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Advances and credits<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1c87 y6566 w4a0 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">4<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1bb5 y6566 w1cf h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6567 wf24 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">Deposits<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc1e y6567 w1e6 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">32<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1bbe y6567 w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr></table></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs9b9\">Directors and officers have banking relationships <span class=\"_ _7\"></span>with Group companies which are entered into <span class=\"_ _7\"></span>in the normal course of </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs9ba\">business<span class=\"_ gs36\"> </span>and on substantially the same terms <span class=\"_ _7\"></span>as for comparable transactions with other persons <span class=\"_ _7\"></span>of a similar standing or, where </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs9bb\">applicable, with other employees within limits <span class=\"_ _7\"></span>acceptable to the PRA. These transactions did <span class=\"_ _7\"></span>not involve more than the normal </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs9bc\">risk of repayment or present other <span class=\"_ _7\"></span>unfavourable features. The loan transactions provided to <span class=\"_ _7\"></span>the directors of Standard Chartered </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs9bd\">PLC were a connected transaction under <span class=\"_ _7\"></span>Chapter 14A of<span class=\"_ gs36\"> </span>the Hong Kong Listing Rules. <span class=\"_ _7\"></span>It was fully exempt as financial <span class=\"_ _7\"></span>assistance </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs9be\">under Rule 14A.87(1), as it was <span class=\"_ _7\"></span>provided in our ordinary and usual course <span class=\"_ _7\"></span>of business and on normal commercial <span class=\"_ _7\"></span>terms.<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs9bf\">As at 31 December 2025, Standard <span class=\"_ _7\"></span>Chartered Bank had in place a charge <span class=\"_ _7\"></span>over $69 million (31 December 2024: <span class=\"_ _7\"></span>$68 million) </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs9c0\">of<span class=\"_ gs36\"> </span>cash assets in favour of the <span class=\"_ _7\"></span>independent trustee of its employer financed retirement <span class=\"_ _7\"></span>benefit scheme.<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h9 ff1 fs2 fc3 sc0 ls2 ws0 gs9c1\">Other than as disclosed in the Annual Report and Accounts, there were no other transactions, arrangements or agreements </div><div class=\"t m0 h9 ff1 fs2 fc3 sc0 ls2 ws0 gs9c2\">outstanding for any director, connected person or officer of the Company which have to be disclosed under the Act, the rules </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs9c3\">of<span class=\"_ gs36\"> </span>the UK Listing Authority or the <span class=\"_ _7\"></span>Hong Kong Listing Rules.<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs9c4\">Details of non-revenue transactions with Temasek <span class=\"_ _7\"></span>Holdings (Private) Limited are set out on <span class=\"_ _7\"></span>page 212.<span class=\"_ _3eb\"> </span></div><div class=\"t m0 hc ff6 fs8 fc2 sc0 ls8 wsb gs9c5\">Company<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs9c6\">The Company has received $1,724 million <span class=\"_ _7\"></span>(31 December 2024: $1,838 million) of net <span class=\"_ _7\"></span>interest income from its subsidiaries. </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs9c7\">The<span class=\"_ gs36\"> </span>Company issues debt externally and lends <span class=\"_ _7\"></span>proceeds to Group companies.<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h9 ff1 fs2 fc3 sc0 ls2 ws0 gs9c8\">The Company has an agreement with Standard Chartered Bank that in the event of Standard Chartered Bank defaulting </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs9c9\">on<span class=\"_ gs36\"> </span>its<span class=\"_ gs36\"> </span>debt coupon interest payments, where the <span class=\"_ _7\"></span>terms of such debt requires it, the <span class=\"_ _7\"></span>Company shall issue shares as settlement </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs9ca\">for<span class=\"_ gs36\"> </span>non-payment of the coupon interest.<span class=\"_ _3eb\"> </span></div><div class=\"gs9cb\"><table class=\"s wf16 h2b8\" id=\"_06fb9a41-e6da-4fed-bbd7-cd20a79440ca\"><tr><td></td><td></td><td class=\"c n x86a y6b50 w306 h204\"><div class=\"t m0 x1ed h38 y6563 ff5 fs17 fc0 sc0 ls21 ws20\">2025<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td class=\"c n x86b y6b50 w46b h205\"><div class=\"t m0 x1ed h38 y6563 ff1 fs17 fc3 sc0 ls21 ws20\">2024<span class=\"_ _3eb\"> </span></div></td><td></td></tr><tr><td></td><td></td><td class=\"t m0 x1050 h38 y6b51 ff5 fs17 fc0 sc0 ls21 ws20\">Standard </td><td></td><td></td><td class=\"t m0 x1842 h39 y6b51 ff1 fs17 fc3 sc0 ls21 ws20\">Standard </td><td></td></tr><tr><td></td><td></td><td class=\"t m0 x2e5 h38 y6b52 ff5 fs17 fc0 sc0 ls21 ws20\">Chartered Bank </td><td></td><td></td><td class=\"t m0 x1864 h39 y6b52 ff1 fs17 fc3 sc0 ls21 ws0\">Chartered Bank </td><td></td></tr><tr><td></td><td class=\"t m0 x15c9 h38 y6b53 ff5 fs17 fc0 sc0 ls21 ws20\">Standard </td><td class=\"t m0 x1c5f h38 y6b53 ff5 fs17 fc0 sc0 ls21 ws20\">(Hong Kong) </td><td></td><td class=\"t m0 x1c60 h39 y6b53 ff1 fs17 fc3 sc0 ls21 ws20\">Standard </td><td class=\"t m0 x1af7 h2c y6b53 ff4 fs17 fc3 sc0 ls21 ws20\">(Hong Kong) </td><td></td></tr><tr><td></td><td class=\"t m0 x2d0 h38 y6b54 ff5 fs17 fc0 sc0 ls21 ws20\">Chartered Bank<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x2c9 h38 y6b54 ff5 fs17 fc0 sc0 ls21 ws20\">Limited<span class=\"_ _3eb\"> </span></td><td class=\"c x1c62 y6b55 wf17 h262\"><div class=\"t m0 x1ed h38 y6563 ff5 fs17 fc0 sc0 ls21 ws20\">Others</div><div class=\"t m0 x1c61 ha7 y68e2 ff5 fs19 fc0 sc0 ls0 ws0\">1</div></td><td class=\"t m0 x19aa h39 y6b54 ff1 fs17 fc3 sc0 ls21 ws0\">Chartered Bank<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x2fb h2c y6b54 ff4 fs17 fc3 sc0 ls21 ws20\">Limited<span class=\"_ _3eb\"> </span></td><td class=\"c x1c64 y6b56 wf18 h26a\"><div class=\"t m0 x1ed h39 y6632 ff1 fs17 fc3 sc0 ls21 ws20\">Others</div><div class=\"t m0 x1c63 h3a y6938 ff1 fs19 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td class=\"t m0 x2f7 h38 y6b57 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x2c9 h38 y6b57 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x4be h38 y6b57 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x2fa h2c y6b57 ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x233 h2c y6b57 ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x234 h2c y6b57 ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"t m0 x235 h8 y6b58 ff5 fs5 fc3 sc0 ls5 ws5\">Assets<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y6574 wf19 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">Due from subsidiaries<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x140f y6574 wf1a h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">14,816<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1c65 y6574 waba h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">141<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1c66 y6574 w377 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">270<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1c67 y6574 w9f5 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">11,318<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1c68 y6574 w356 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">135<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1c69 y6574 wf1b h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">147<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6560 wc5 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">Derivative financial instruments<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1c6a y6560 w39d h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">228<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb14 y6560 w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb15 y6560 w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1c6b y6560 wcfb h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">98<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1c6c y6560 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11dc y6560 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6575 w34e h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">Debt securities<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1c6d y6575 wf1c h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">16,605<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1c6e y6575 w8a9 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">5,875<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x112a y6575 w3b6 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">904<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1c6f y6575 w8a1 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">18,124<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1c70 y6575 wb5a h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">5,512<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1c71 y6575 wf1d h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">1,221<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y658d wef h203\"><div class=\"t m0 x1ed h3d y655f ff5 fs5 fc3 sc0 ls5 ws5\">Total assets<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1c72 y658d wf1e h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">31,649<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1c73 y658d wab3 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">6,016<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1c74 y658d w32d h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">1,174<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1c75 y658d wf1f h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">29,540<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1c76 y658d w3af h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">5,647<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1c77 y658d w5cd h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">1,368<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x235 h8 y6b59 ff5 fs5 fc3 sc0 ls5 ws5\">Liabilities<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y6577 wf20 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">Due to subsidiaries<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1c78 y6577 wa4f h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">225<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1c79 y6577 w2bc h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1c7a y6577 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbbc y6577 w1cf h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1c7b y6577 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1c7c y6577 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6566 wc5 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">Derivative financial instruments<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1c7d y6566 wf21 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">777<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1c7e y6566 w66 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">26<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1295 y6566 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1c7f y6566 wf22 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">1,042<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1c80 y6566 wa2 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">23<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1c81 y6566 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6567 w120 h203\"><div class=\"t m0 x1ed h3d y655f ff5 fs5 fc3 sc0 ls5 ws5\">Total liabilities<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1c82 y6567 we1d h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">1,002<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1c83 y6567 w66 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls5 ws5\">26<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1c84 y6567 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1c85 y6567 wf22 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">1,042<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x84b y6567 wa2 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws5\">23<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1c86 y6567 w1d4 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr></table></div><div class=\"t m0 hb ff1 fs7 fc3 sc0 ls7 ws7 gs9cc\">1 <span class=\"_ _b\"> </span><span class=\"ff4\">Others include Standard Chartered Bank (Singapore) Limited, Standard Chartered Holdings Limited and Standard <span class=\"_ _7\"></span>Chartered I H Limited.<span class=\"_ _3eb\"> </span></span></div><div class=\"t m0 hc ff7 fs8 fc2 sc0 ls8 wsb gs9cf\">Associate and joint <span class=\"_ _7\"></span>ventures<span class=\"_ _3eb\"> </span></div><div class=\"gs7b0\"><table class=\"s wf38 h2bb\" id=\"_ae939963-bc66-478d-b6d9-d3d94dd936dd\"><tr><td></td><td class=\"t m0 x1e8 h38 y6b5f ff5 fs17 fc0 sc0 ls21 ws20\">2025<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1e9 h39 y6b5f ff1 fs17 fc3 sc0 ls21 ws20\">2024<span class=\"_ _3eb\"> </span></td></tr><tr><td></td><td class=\"t m0 x1eb h38 y6b60 ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1ec h2c y6b60 ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"t m0 x221 h8 y6b61 ff5 fs5 fc3 sc0 ls5 ws5\">Assets<span class=\"_ _3eb\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x1ee y6574 wf39 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">Financial Assets held at FVTPL<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1c9a y6574 w3d2 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">10<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1bbe y6574 w1d4 h1ff\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6560 wf3a h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">Derivative assets<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1c9b y6560 w91 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">5<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1c9c y6560 w1df h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls0 ws0\">5<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6575 wef h201\"><div class=\"t m0 x1ed h3d y6548 ff5 fs5 fc3 sc0 ls5 ws5\">Total assets<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1c9d y6575 w388 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">15<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1c9e y6575 w40 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls0 ws0\">5<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x221 h8 y6b62 ff5 fs5 fc3 sc0 ls5 ws5\">Liabilities<span class=\"_ _3eb\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x1ee y6610 wf24 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">Deposits<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15e4 y6610 wf3b h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">416<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1c9f y6610 w140 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">209<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6577 wf3c h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">Derivative liabilities<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x140d y6577 w45d h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">3<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x7b7 y6577 w3c h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls0 ws0\">4<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6566 w120 h201\"><div class=\"t m0 x1ed h3d y6548 ff5 fs5 fc3 sc0 ls5 ws5\">Total liabilities<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ca0 y6566 w11e h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">419<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ca1 y6566 w39f h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">213<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6567 wf3d h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Loan commitments and other guarantees\u00b9<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ca2 y6567 wf3b h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">107<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ca3 y6567 w485 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">14<span class=\"_ _3eb\"> </span></div></td></tr></table></div><div class=\"t m0 hb ff1 fs7 fc3 sc0 ls7 ws7 gs9d0\">1 <span class=\"_ _b\"> </span><span class=\"ff4\">The maximum loan commitments and other guarantees during the period were $107 million <span class=\"_ _7\"></span>(31 December 2024: $14 million).</span></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfTransactionsBetweenRelatedPartiesExplanatory",
    "language": "en",
    "entity": "scheme:U4LOSYZ7YG4W3S5F2G91",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-675": {
   "value": "IAS 24 Related party disclosures requires <span class=\"_ _7\"></span>the following additional information for key management <span class=\"_ _7\"></span>compensation. Key<span class=\"_ gs36\"> </span>management comprises non-executive directors, executive directors <span class=\"_ _7\"></span>of Standard Chartered PLC, the Court directors of<span class=\"_ gs36\"> </span>Standard Chartered Bank and the persons <span class=\"_ _7\"></span>discharging managerial responsibilities (PDMR) of Standard Chartered <span class=\"_ _7\"></span>PLC.<span class=\"_ _3eb\"> </span><table class=\"s w40f h2b7\" id=\"_1e7f4a14-8463-4455-b8a7-a73067595c4e\"><tr><td></td><td class=\"c x1af2 y6b4d wf11 h21b\"><div class=\"t m0 x1ed h38 y6563 ff5 fs17 fc0 sc0 ls21 ws20\">2025</div><div class=\"t m0 x4b9 ha7 y65fd ff5 fs19 fc0 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x231 h39 y6b4e ff1 fs17 fc3 sc0 ls21 ws20\">2024<span class=\"_ _3eb\"> </span></td></tr><tr><td></td><td class=\"t m0 x233 h38 y6b4f ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x234 h2c y6b4f ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c n x1ee y6562 wf12 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Salaries, allowances and benefits in kind<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1c57 y6562 w1f1 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">47<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1c58 y6562 w9e h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws5\">41<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6610 w4b1 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Share-based payments<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1c59 y6610 w22d h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">40<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1c5a y6610 w48a h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">38<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6577 wf13 h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls5 ws0\">Bonuses paid or receivable<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8c1 y6577 w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1c5b y6577 w57 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls0 ws0\">7<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6566 wf14 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">Termination benefits<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8c1 y6566 w1d4 h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1c5c y6566 w4da h200\"><div class=\"t m0 x1ed h3d y6548 ff1 fs5 fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6567 w49a h201\"><div class=\"t m0 x1ed h3d y6548 ff5 fs5 fc3 sc0 ls5 ws5\">Total<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1c5d y6567 w98d h201\"><div class=\"t m0 x1ed h3d y6548 ff6 fs5 fc3 sc0 ls5 ws5\">87<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1c5e y6567 wf15 h201\"><div class=\"t m0 x1ed h3d y6548 ff4 fs5 fc3 sc0 ls5 ws5\">88<span class=\"_ _3eb\"> </span></div></td></tr></table>1 <span class=\"_ _b\"> </span><span class=\"ff4\">Following the Prudential Regulation Authority (PRA) publication of revised remuneration regulations on 15 <span class=\"_ _7\"></span>October 2025, we have changed the structure of <span class=\"_ _7\"></span>variable </span>remuneration from 2025 onwards. This is reflected in <span class=\"_ _7\"></span>the table above, with the value split between <span class=\"_ _7\"></span>salaries, allowances and benefit in kind and share <span class=\"_ _7\"></span>based payments in line with IAS 24.<span class=\"_ _3eb\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfInformationAboutKeyManagementPersonnelExplanatory",
    "language": "en",
    "entity": "scheme:U4LOSYZ7YG4W3S5F2G91",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-656": {
   "value": "<div class=\"t m0 hf ff8 fsb fc2 sc0 lsb ws9 gs9d2\">37. Post balance <span class=\"_ _1b\"></span>sheet events<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs9d3\">A share buyback for up to <span class=\"_ _7\"></span>a maximum consideration of $1.5 billion has <span class=\"_ _7\"></span>been declared by the directors after <span class=\"_ _7\"></span>31 December 2025. </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs9d4\">This will reduce the number of <span class=\"_ _7\"></span>ordinary shares in issue by cancelling the <span class=\"_ _7\"></span>repurchased shares.<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs9d5\">A final dividend for 2025 of <span class=\"_ _7\"></span>49 cents per ordinary share was declared <span class=\"_ _7\"></span>by the directors after 31 December <span class=\"_ _7\"></span>2025.</div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfEventsAfterReportingPeriodExplanatory",
    "language": "en",
    "entity": "scheme:U4LOSYZ7YG4W3S5F2G91",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-657": {
   "value": "<div class=\"t m0 hf ff8 fsb fc2 sc0 lsb ws9 gs9d7\">38. Auditor\u2019s remuneration<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs9d8\">Auditor\u2019s remuneration is included within other <span class=\"_ _7\"></span>general administration expenses. The amounts paid by <span class=\"_ _7\"></span>the Group to their </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs9d9\">principal auditor, Ernst &amp; Young LLP <span class=\"_ _7\"></span>and its associates (together Ernst &amp; Young <span class=\"_ _7\"></span>LLP), are set out below. All <span class=\"_ _7\"></span>services are approved </div><div class=\"t m0 h9 ff1 fs2 fc3 sc0 ls2 ws0 gs9da\">by the Group Audit Committee and are subject to controls to ensure the external auditor\u2019s independence is unaffected by the </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs9db\">provision of other services.<span class=\"_ _3eb\"> </span></div><div class=\"gs9dc\"><table class=\"s wf25 h2ba\" id=\"_110ddd80-ddd3-4c4c-b531-e01e4bcc2853\"><tr><td></td><td class=\"t m0 x1e8 h38 y6b5c ff5 fs17 fc0 sc0 ls21 ws20\">2025<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1e9 h39 y6b5c ff1 fs17 fc3 sc0 ls21 ws20\">2024<span class=\"_ _3eb\"> </span></td></tr><tr><td></td><td class=\"t m0 x1eb h38 y6b5d ff5 fs17 fc0 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1ec h2c y6b5d ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c n x1ee y655a wf26 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Audit fees for the Group statutory audit<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1c88 y655a w9e0 h203\"><div class=\"t m0 x1ed h3d y655f ff7 fs5 fc3 sc0 ls5 ws5\">36.9<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1c89 y655a wa82 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">31.3<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y655b wf27 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Of which fees for the audit of Standard Chartered Bank Group<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1c8a y655b wf28 h203\"><div class=\"t m0 x1ed h3d y655f ff7 fs5 fc3 sc0 ls5 ws5\">27.3<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x69a y655b wf29 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">23.2<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x221 h1a y6b5e ff4 fs5 fc3 sc0 ls5 ws5\">Fees payable to EY for other services <span class=\"_ _7\"></span>provided to the SC PLC Group:<span class=\"_ _3eb\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x1ee y655d wf2a h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">Audit of Standard Chartered PLC subsidiaries<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1c8b y655d wf2b h203\"><div class=\"t m0 x1ed h3d y655f ff7 fs5 fc3 sc0 ls5 ws5\">14.5<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1c8c y655d wf2c h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">13.5<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6573 wf2d h203\"><div class=\"t m0 x1ed h3d y655f ff5 fs5 fc3 sc0 ls5 ws5\">Total audit fees<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1c8d y6573 wf2b h203\"><div class=\"t m0 x1ed h3d y655f ff7 fs5 fc3 sc0 ls5 ws5\">51.4<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1c8e y6573 w481 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">44.8<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6646 wf2e h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Audit-related assurance services<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1c8f y6646 w15c h203\"><div class=\"t m0 x1ed h3d y655f ff7 fs5 fc3 sc0 ls5 ws5\">7.7<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1c90 y6646 wf2f h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">6.6<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6561 wf30 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Other assurance services<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1c91 y6561 wf31 h203\"><div class=\"t m0 x1ed h3d y655f ff7 fs5 fc3 sc0 ls5 ws5\">5.8<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1c92 y6561 wf32 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">5.4<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6562 wf33 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Other non-audit services<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x80a y6562 wa7e h203\"><div class=\"t m0 x1ed h3d y655f ff7 fs5 fc3 sc0 ls5 ws5\">1.3<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1c93 y6562 w44d h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">0.4<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6610 wf34 h202\"><div class=\"t m0 x1ed h3d y655f ff1 fs5 fc3 sc0 ls5 ws0\">Transaction related services<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1c94 y6610 wf35 h203\"><div class=\"t m0 x1ed h3d y655f ff7 fs5 fc3 sc0 ls5 ws5\">0.6<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1c95 y6610 w356 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">0.6<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6577 wf36 h203\"><div class=\"t m0 x1ed h3d y655f ff5 fs5 fc3 sc0 ls5 ws5\">Total non-audit fees<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1c96 y6577 wf2b h203\"><div class=\"t m0 x1ed h3d y655f ff7 fs5 fc3 sc0 ls5 ws5\">15.4<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1c97 y6577 wa7a h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">13.0<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6567 wf37 h203\"><div class=\"t m0 x1ed h3d y655f ff5 fs5 fc3 sc0 ls5 ws5\">Total fees payable<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1c98 y6567 w6f5 h203\"><div class=\"t m0 x1ed h3d y655f ff7 fs5 fc3 sc0 ls5 ws5\">66.8<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1c99 y6567 wb9 h203\"><div class=\"t m0 x1ed h3d y655f ff4 fs5 fc3 sc0 ls5 ws5\">57.8<span class=\"_ _3eb\"> </span></div></td></tr></table></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs9dd\">The following is a description of <span class=\"_ _7\"></span>the type of services included within the <span class=\"_ _7\"></span>categories listed above:</div><div class=\"t m0 h9 ff1 fs2 fc3 sc0 ls0 ws0 gs9de\"> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ls2\">Audit fees for the Group statutory audit are in respect of fees payable to Ernst &amp; Young LLP for the statutory audit of<span class=\"_ _11\"></span> </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs9df\">the<span class=\"_ gs36\"> </span>consolidated financial statements of the Group <span class=\"_ _7\"></span>and the separate financial statements of Standard <span class=\"_ _7\"></span>Chartered PLC </div><div class=\"t m0 h9 ff1 fs2 fc3 sc0 ls0 ws0 gs9e0\"> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ls2\">Audit-related fees consist of fees such as those for services required by law or regulation to be provided by the auditor,<span class=\"_ _11\"></span> </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs9e1\">reviews of interim financial information, reporting <span class=\"_ _7\"></span>on regulatory returns, reporting to a regulator <span class=\"_ _7\"></span>on client assets and </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs9e2\">extended work performed over financial information <span class=\"_ _7\"></span>and controls authorised by those charged with <span class=\"_ _7\"></span>governance</div><div class=\"t m0 h5 ff1 fs2 fc3 sc0 ls0 ws0 gs9e3\"> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">Other assurance services include agreed-upon-procedures in relation to statutory and regulatory filings</span></div><div class=\"t m0 h5 ff1 fs2 fc3 sc0 ls0 ws0 gs9e4\"> <span class=\"_ _190\"></span>\u2022<span class=\"_ _b3\"> </span><span class=\"ff4 ls2 ws1\">Transaction related services are fees payable to Ernst &amp; Young LLP for <span class=\"_ _7\"></span>issuing comfort letters </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs9e5\">Expenses incurred in respect of their <span class=\"_ _7\"></span>role as auditor, were reimbursed to EY <span class=\"_ _7\"></span>LLP $1 million (2024: $1 million).</div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfAuditorsRemunerationExplanatory",
    "language": "en",
    "entity": "scheme:U4LOSYZ7YG4W3S5F2G91",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-676": {
   "value": "<div class=\"t m0 hf ff8 fsb fc2 sc0 lsb ws9 gs9e7\">40. Re-presentation tables <span class=\"_ _1b\"></span>of Credit risk disclosures <span class=\"_ _7\"></span>by key geography<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs9e8\">As set out in note 1 <span class=\"_ _7\"></span>to the financial statements, prior period amounts <span class=\"_ _7\"></span>for certain Credit risk tables (required <span class=\"_ _7\"></span>by IFRS 7 \u2013 Financial </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs9e9\">Instruments: Disclosures) within the Risk review <span class=\"_ _7\"></span>on pages 233 to 276 were also <span class=\"_ _7\"></span>re-presented for a change in accounting <span class=\"_ _7\"></span>policy for </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs9ea\">the presentation of the Group\u2019s geographic <span class=\"_ _7\"></span>disclosures to align to information reported to <span class=\"_ _7\"></span>key management personnel and<span class=\"_ gs36\"> </span>to </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs9eb\">incorporate loans reported in Central &amp; <span class=\"_ _7\"></span>other items into the tables on pages <span class=\"_ _7\"></span>238 and 244. The following tables <span class=\"_ _7\"></span>provide </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs9ec\">a<span class=\"_ gs36\"> </span>reconciliation between the tables previously disclosed <span class=\"_ _7\"></span>at 31 December 2024 and the re-presented <span class=\"_ _7\"></span>tables in these </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gs9ed\">financial<span class=\"_ gs36\"> </span>statements.<span class=\"_ _3eb\"> </span></div><div class=\"t m0 hf ff8 fsb fc2 sc0 lsb ws9 gs9ee\">Loans and advances <span class=\"_ _1b\"></span>analysis by client segment, <span class=\"_ _7\"></span>credit quality and <span class=\"_ _1b\"></span>key geography </div><div class=\"t m0 hf ff8 fsb fc2 sc0 lsb ws9 gs9ef\">\u2013<span class=\"_ gs5db\"> </span>Corporate &amp; Investment <span class=\"_ _1b\"></span>Banking and Central &amp; <span class=\"_ _7\"></span>other items (page <span class=\"_ _1b\"></span>244)<span class=\"_ _3eb\"> </span></div><div class=\"t m0 hc ff6 fs8 fc2 sc0 ls8 ws0 gs9f0\">Published table as of 31 December 2024<span class=\"_ _3eb\"> </span></div><div class=\"gs9f1\"><table class=\"s wf3e h2bc\" id=\"_de8db98c-95fe-4203-8604-e009a4037ad1\"><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m0 xf3f h15b y6b63 ff1 fs66 fc3 sc0 ls51 ws0\">Corporate &amp; Investment Banking and Central &amp; other items<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m0 x1ca4 h15b y6b64 ff1 fs66 fc3 sc0 ls51 ws5c\">2024<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td class=\"c n xd34 y6b66 wf3f h2bd\"><div class=\"t m0 x1ed h15c y6b65 ff1 fs66 fc3 sc0 ls51 ws5c\">Gross<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"c n x1ca5 y6b66 wf40 h2be\"><div class=\"t m0 x1ed h15c y6b65 ff4 fs66 fc3 sc0 ls51 ws5c\">Credit Impairment\ue004<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"c n x1ca6 y6b68 wf41 h2bf\"><div class=\"t m0 x1ed h15b y6b67 ff1 fs66 fc3 sc0 ls51 ws0\">Stage 1<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td class=\"c n x1ca7 y6b68 wf42 h2bf\"><div class=\"t m0 x1ed h15b y6b67 ff1 fs66 fc3 sc0 ls51 ws0\">Stage 2<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td class=\"c n x1ca8 y6b68 wf43 h2bf\"><div class=\"t m0 x1ed h15b y6b67 ff1 fs66 fc3 sc0 ls51 ws0\">Stage 3<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ca9 y6b68 wf44 h2bf\"><div class=\"t m0 x1ed h15b y6b67 ff1 fs66 fc3 sc0 ls51 ws0\">Stage 1<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td class=\"c n x1caa y6b68 wf45 h2bf\" colspan=\"2\"><div class=\"t m0 x1ed h15b y6b67 ff1 fs66 fc3 sc0 ls51 ws0\">Stage 2<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n x1cab y6b68 wf46 h2bf\"><div class=\"t m0 x1ed h15b y6b67 ff1 fs66 fc3 sc0 ls51 ws0\">Stage 3<span class=\"_ _3eb\"> </span></div></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m0 xb97 h15b y6b69 ff1 fs66 fc3 sc0 ls51 ws5c\">Higher </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m0 x1cac h15b y6b69 ff1 fs66 fc3 sc0 ls51 ws5c\">Higher </td><td></td><td></td><td></td><td class=\"t m0 x1cad h15b y6b69 ff1 fs66 fc3 sc0 ls51 ws5c\">Total </td></tr><tr><td></td><td class=\"t m0 x1cae h15b y6b6a ff1 fs66 fc3 sc0 ls51 ws5c\">Strong<span class=\"ls0 ws0\"> </span></td><td class=\"t m0 x1caf h15b y6b6a ff1 fs66 fc3 sc0 ls51 ws5c\">Satisfactory<span class=\"ls0 ws0\"> </span></td><td class=\"t m0 x1cb0 h15b y6b6a ff1 fs66 fc3 sc0 ls51 ws5c\">Total<span class=\"ls0 ws0\"> </span></td><td class=\"t m0 x1cb1 h15b y6b6a ff1 fs66 fc3 sc0 ls51 ws5c\">Strong<span class=\"ls0 ws0\"> </span></td><td class=\"t m0 x1558 h15b y6b6a ff1 fs66 fc3 sc0 ls51 ws5c\">Satisfactory<span class=\"ls0 ws0\"> </span></td><td class=\"t m0 x1a2e h15b y6b6a ff1 fs66 fc3 sc0 ls51 ws5c\">Risk<span class=\"ls0 ws0\"> </span></td><td class=\"t m0 x1a31 h15b y6b6a ff1 fs66 fc3 sc0 ls51 ws5c\">Total<span class=\"ls0 ws0\"> </span></td><td></td><td class=\"t m0 x60d h15b y6b6a ff1 fs66 fc3 sc0 ls51 ws5c\">Defaulted<span class=\"ls0 ws0\"> </span></td><td class=\"t m0 x5fd h15b y6b6a ff1 fs66 fc3 sc0 ls51 ws5c\">Total<span class=\"ls0 ws0\"> </span></td><td class=\"t m0 x1ca4 h15b y6b6a ff1 fs66 fc3 sc0 ls51 ws5c\">Strong<span class=\"ls0 ws0\"> </span></td><td class=\"t m0 x11fe h15b y6b6a ff1 fs66 fc3 sc0 ls51 ws5c\">Satisfactory<span class=\"ls0 ws0\"> </span></td><td class=\"t m0 x5fe h15b y6b6a ff1 fs66 fc3 sc0 ls51 ws5c\">Total<span class=\"ls0 ws0\"> </span></td><td class=\"t m0 x8b4 h15b y6b6a ff1 fs66 fc3 sc0 ls51 ws5c\">Strong<span class=\"ls0 ws0\"> </span></td><td class=\"t m0 x1cb2 h15b y6b6a ff1 fs66 fc3 sc0 ls51 ws5c\">Satisfactory<span class=\"ls0 ws0\"> </span></td><td class=\"t m0 x8b5 h15b y6b6a ff1 fs66 fc3 sc0 ls51 ws5c\">Risk<span class=\"ls0 ws0\"> </span></td><td class=\"t m0 x1620 h15b y6b6a ff1 fs66 fc3 sc0 ls51 ws5c\">Total<span class=\"ls0 ws0\"> </span></td><td class=\"t m0 x1a33 h15b y6b6a ff1 fs66 fc3 sc0 ls51 ws5c\">Impaired<span class=\"ls0 ws0\"> </span></td><td class=\"t m0 x11c3 h15b y6b6a ff1 fs66 fc3 sc0 ls51 ws5c\">Total<span class=\"ls0 ws0\"> </span></td><td class=\"t m0 x1cb3 h15b y6b6a ff1 fs66 fc3 sc0 ls51 ws5c\">Coverage </td></tr><tr><td></td><td class=\"t m0 x1cb4 h15c y6b6b ff4 fs66 fc3 sc0 ls51 ws5c\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1cb5 h15c y6b6b ff4 fs66 fc3 sc0 ls51 ws5c\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xde2 h15c y6b6b ff4 fs66 fc3 sc0 ls51 ws5c\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1cb6 h15c y6b6b ff4 fs66 fc3 sc0 ls51 ws5c\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xd2c h15c y6b6b ff4 fs66 fc3 sc0 ls51 ws5c\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1cb7 h15c y6b6b ff4 fs66 fc3 sc0 ls51 ws5c\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1cb8 h15c y6b6b ff4 fs66 fc3 sc0 ls51 ws5c\">$million<span class=\"_ _3eb\"> </span></td><td></td><td class=\"t m0 xf3c h15c y6b6b ff4 fs66 fc3 sc0 ls51 ws5c\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x601 h15c y6b6b ff4 fs66 fc3 sc0 ls51 ws5c\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xf3d h15c y6b6b ff4 fs66 fc3 sc0 ls51 ws5c\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x8b8 h15c y6b6b ff4 fs66 fc3 sc0 ls51 ws5c\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x3ff h15c y6b6b ff4 fs66 fc3 sc0 ls51 ws5c\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xf45 h15c y6b6b ff4 fs66 fc3 sc0 ls51 ws5c\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x52d h15c y6b6b ff4 fs66 fc3 sc0 ls51 ws5c\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1cb9 h15c y6b6b ff4 fs66 fc3 sc0 ls51 ws5c\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xd32 h15c y6b6b ff4 fs66 fc3 sc0 ls51 ws5c\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xde5 h15c y6b6b ff4 fs66 fc3 sc0 ls51 ws5c\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x11c1 h15c y6b6b ff4 fs66 fc3 sc0 ls51 ws5c\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1658 h15b y6b6b ff1 fs66 fc3 sc0 ls0 ws0\">%<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c n x1ee y6b6d wf47 h205\"><div class=\"t m0 x1ed h9c y6b6c ff2 fs5e fc3 sc0 ls39 ws0\">Hong Kong<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1cba y6b6d wcff h21e\"><div class=\"t m0 x1ed h9c y6b6c ff1 fs5e fc3 sc0 ls39 ws3b\">32,552<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1cbb y6b6d wf48 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">12,079<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1cbc y6b6d w9be h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">44,631<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1cbd y6b6d wf49 h21e\"><div class=\"t m0 x1ed h9c y6b6c ff1 fs5e fc3 sc0 ls39 ws3b\">230<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1cbe y6b6d wf4a h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">1,539<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1cbf y6b6d wf4b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">64<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1cc0 y6b6d wf4c h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">1,833<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n x1cc1 y6b6d wf4d h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">1,272<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1cc2 y6b6d wf4d h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">1,272<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1cc3 y6b6d wf4e h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(8)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1cc4 y6b6d wf4e h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(8)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1cc5 y6b6d wf4f h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(16)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1cc6 y6b6d wf50 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(33)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1cc7 y6b6d w3e5 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(107)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1cc8 y6b6d wf51 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(9)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x14ca y6b6d wf52 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(149)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1cc9 y6b6d wf53 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(1,157)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1cca y6b6d wd8b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(1,157)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ccb y6b6d w1b2 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(2.8)%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x221 hc6 y6b6e ff1 fs5e fc3 sc0 ls39 ws3b\">Corporate </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y6b6f wf54 h21e\"><div class=\"t m0 x1ed h9c y6b6c ff1 fs5e fc3 sc0 ls39 ws3b\">Lending<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ccc y6b6f wf55 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">14,429<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ccd y6b6f wf56 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">6,180<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1cce y6b6f w46 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">20,609<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ccf y6b6f wf57 h21e\"><div class=\"t m0 x1ed h9c y6b6c ff1 fs5e fc3 sc0 ls39 ws3b\">225<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1cd0 y6b6f wf58 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">1,329<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1cd1 y6b6f wf4b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">64<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1cd2 y6b6f wf59 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">1,618<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n x1cd3 y6b6f wf5a h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">1,260<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1cd4 y6b6f wf5a h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">1,260<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1cd5 y6b6f wf5b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(5)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1cd6 y6b6f wf5c h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(4)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1cd7 y6b6f wf51 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(9)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1cd8 y6b6f wf50 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(33)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1cd9 y6b6f wf5d h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(102)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1cda y6b6f wf51 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(9)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1cdb y6b6f wf5e h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(144)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1cdc y6b6f wf53 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(1,157)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1cdd y6b6f wd8b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(1,157)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1cde y6b6f wf5f h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(5.6)%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x221 hc6 y6b70 ff1 fs5e fc3 sc0 ls39 ws0\">Non Corporate </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1ee y6b73 wf60 h2c0\"><div class=\"t m0 x1ed hc6 y6b71 ff1 fs5e fc3 sc0 ls39 ws3b\">Lending</div><div class=\"t m0 x7ca hc5 y6b72 ff1 fs60 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1cdf y6b74 wf61 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">4,567<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ce0 y6b74 wf62 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">2,730<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ce1 y6b74 wf63 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">7,297<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ce2 y6b74 wf64 h21e\"><div class=\"t m0 x1ed h9c y6b6c ff1 fs5e fc3 sc0 ls0 ws0\">4<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ce3 y6b74 wf65 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">206<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ce4 y6b74 wf66 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ce5 y6b74 wf67 h21e\"><div class=\"t m0 x1ed h9c y6b6c ff1 fs5e fc3 sc0 ls39 ws3b\">210<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n x1ce6 y6b74 wf68 h21e\"><div class=\"t m0 x1ed h9c y6b6c ff1 fs5e fc3 sc0 ls39 ws3b\">12<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ce7 y6b74 wf69 h21e\"><div class=\"t m0 x1ed h9c y6b6c ff1 fs5e fc3 sc0 ls39 ws3b\">12<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ce8 y6b74 wf6a h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(1)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ce9 y6b74 w67a h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(3)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1cea y6b74 wf5c h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(4)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ceb y6b74 wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1cec y6b74 wf5b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(5)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ced y6b74 wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1cee y6b74 wf5b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(5)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1cef y6b74 wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1cf0 y6b74 wf6c h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1cf1 y6b74 wf6d h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(0.1)%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6b75 wf6e h21e\"><div class=\"t m0 x1ed h9c y6b6c ff1 fs5e fc3 sc0 ls39 ws3b\">Banks<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1cf2 y6b75 wf6f h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">13,556<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1cf3 y6b75 wf70 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">3,169<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1cf4 y6b75 w5c5 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">16,725<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1cf5 y6b75 wf71 h21e\"><div class=\"t m0 x1ed h9c y6b6c ff1 fs5e fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1cf6 y6b75 wf72 h21e\"><div class=\"t m0 x1ed h9c y6b6c ff1 fs5e fc3 sc0 ls0 ws0\">4<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1cf7 y6b75 wf66 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1cf8 y6b75 wf73 h21e\"><div class=\"t m0 x1ed h9c y6b6c ff1 fs5e fc3 sc0 ls0 ws0\">5<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n x1cf9 y6b75 wf66 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1cfa y6b75 wf66 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1cfb y6b75 wf74 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(2)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1cfc y6b75 wf75 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(1)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1cfd y6b75 w67a h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(3)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1cfe y6b75 wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1cff y6b75 wf6c h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d00 y6b75 wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1606 y6b75 wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b28 y6b75 wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d01 y6b75 wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d02 y6b75 wf76 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(0.0)%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6b76 wf77 h205\"><div class=\"t m0 x1ed h9c y6b6c ff2 fs5e fc3 sc0 ls39 ws3b\">Singapore<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d03 y6b76 w9ed h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">31,129<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d04 y6b76 wf78 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">7,769<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d05 y6b76 wf79 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">38,898<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d06 y6b76 wf7a h21e\"><div class=\"t m0 x1ed h9c y6b6c ff1 fs5e fc3 sc0 ls39 ws3b\">500<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d07 y6b76 wf7b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">955<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d08 y6b76 wf7c h21e\"><div class=\"t m0 x1ed h9c y6b6c ff1 fs5e fc3 sc0 ls39 ws3b\">35<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d09 y6b76 wb83 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">1,490<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n x1d0a y6b76 wf7d h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">407<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d0b y6b76 wf7d h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">407<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d0c y6b76 wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d0d y6b76 wf4e h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(8)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d0e y6b76 wf7e h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(8)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d0f y6b76 wf7f h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(4)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d10 y6b76 wf80 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(14)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d11 y6b76 wf6c h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d12 y6b76 wf81 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(18)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d13 y6b76 wf82 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(196)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d14 y6b76 wf82 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(196)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d15 y6b76 wf83 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(0.5)%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x221 hc6 y6b77 ff1 fs5e fc3 sc0 ls39 ws3b\">Corporate </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y6b78 wf54 h21e\"><div class=\"t m0 x1ed h9c y6b6c ff1 fs5e fc3 sc0 ls39 ws3b\">Lending<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d16 y6b78 w1a3 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">7,333<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d17 y6b78 wf84 h21e\"><div class=\"t m0 x1ed h9c y6b6c ff1 fs5e fc3 sc0 ls39 ws3b\">4,003<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d18 y6b78 wf85 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">11,336<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d19 y6b78 wf86 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">469<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d1a y6b78 wf87 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">594<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d1b y6b78 wf7c h21e\"><div class=\"t m0 x1ed h9c y6b6c ff1 fs5e fc3 sc0 ls39 ws3b\">35<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1535 y6b78 wf56 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">1,098<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n x1d1c y6b78 wf88 h21e\"><div class=\"t m0 x1ed h9c y6b6c ff1 fs5e fc3 sc0 ls39 ws3b\">335<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d1d y6b78 wf88 h21e\"><div class=\"t m0 x1ed h9c y6b6c ff1 fs5e fc3 sc0 ls39 ws3b\">335<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d1e y6b78 wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d1f y6b78 wf89 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(6)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d20 y6b78 wf51 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(6)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d21 y6b78 wf5c h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(4)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d22 y6b78 wf8a h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(14)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d23 y6b78 wf6c h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d24 y6b78 wf81 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(18)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d25 y6b78 wf8b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(195)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d26 y6b78 wf8b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(195)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d27 y6b78 wdba h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(1.7)%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x221 hc6 y6b79 ff1 fs5e fc3 sc0 ls39 ws0\">Non Corporate </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1ee y6b7b wf60 h2c1\"><div class=\"t m0 x1ed hc6 y6b71 ff1 fs5e fc3 sc0 ls39 ws3b\">Lending</div><div class=\"t m0 x7ca hc5 y6b7a ff1 fs60 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d28 y6b7d wf8c h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">19,348<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d29 y6b7d wf8d h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">567<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d2a y6b7d wf8e h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">19,915<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d2b y6b7d wf8f h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">29<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d2c y6b7d wf90 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">358<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d2d y6b7d wf66 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d2e y6b7d wf91 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">387<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n x1d2f y6b7d wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d30 y6b7d wf66 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d31 y6b7d wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d32 y6b7d wf75 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(1)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d33 y6b7d wf6a h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(1)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d34 y6b7d wf6c h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d35 y6b7d wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d36 y6b7d wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d37 y6b7d wf6c h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d38 y6b7d wf6c h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d39 y6b7d wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d3a y6b7d wf92 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(0.0)%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6b7e wf6e h251\"><div class=\"t m0 x1ed h9c y6b7c ff1 fs5e fc3 sc0 ls39 ws3b\">Banks<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d3b y6b7e wf93 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">4,448<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d3c y6b7e wf70 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">3,199<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d3d y6b7e wa55 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">7,647<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d3e y6b7e wf94 h251\"><div class=\"t m0 x1ed h9c y6b7c ff1 fs5e fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d3f y6b7e wf95 h251\"><div class=\"t m0 x1ed h9c y6b7c ff1 fs5e fc3 sc0 ls0 ws0\">3<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d40 y6b7e wf66 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d41 y6b7e wf73 h251\"><div class=\"t m0 x1ed h9c y6b7c ff1 fs5e fc3 sc0 ls0 ws0\">5<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n x1d42 y6b7e wf96 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">72<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d43 y6b7e wf96 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">72<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d44 y6b7e wf66 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d45 y6b7e wf6a h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(1)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d46 y6b7e wf6a h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(1)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x19d1 y6b7e wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d47 y6b7e wf6c h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d48 y6b7e wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d49 y6b7e wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d4a y6b7e wf6a h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(1)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d4b y6b7e wf6a h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(1)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d4c y6b7e wf92 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(0.0)%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6b7f wf97 h205\"><div class=\"t m0 x1ed h9c y6b7c ff5 fs5e fc3 sc0 ls39 ws3b\">China<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d4d y6b7f wf98 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">10,380<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d4e y6b7f wf99 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">2,794<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d4f y6b7f wf9a h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">13,174<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d50 y6b7f wf9b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">49<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d51 y6b7f wf9c h251\"><div class=\"t m0 x1ed h9c y6b7c ff1 fs5e fc3 sc0 ls39 ws3b\">133<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d52 y6b7f wf9d h251\"><div class=\"t m0 x1ed h9c y6b7c ff1 fs5e fc3 sc0 ls39 ws3b\">14<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d53 y6b7f wf9e h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">196<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n x1d54 y6b7f wf9f h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">171<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1158 y6b7f wfa0 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">171<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d55 y6b7f w67a h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(3)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d56 y6b7f wf6a h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(1)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d57 y6b7f wf5c h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(4)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d58 y6b7f wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d59 y6b7f wf6c h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d5a y6b7f wf6c h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d5b y6b7f wf6c h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d5c y6b7f wfa1 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(86)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d5d y6b7f wfa1 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(86)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d5e y6b7f wfa2 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(0.7)%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x221 hc6 y6b80 ff1 fs5e fc3 sc0 ls39 ws3b\">Corporate </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y6b81 wf54 h251\"><div class=\"t m0 x1ed h9c y6b7c ff1 fs5e fc3 sc0 ls39 ws3b\">Lending<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d5f y6b81 wfa3 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">4,933<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d60 y6b81 w689 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">2,193<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d61 y6b81 wfa4 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">7,126<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d62 y6b81 wf9b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">49<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d63 y6b81 wf9c h251\"><div class=\"t m0 x1ed h9c y6b7c ff1 fs5e fc3 sc0 ls39 ws3b\">133<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d64 y6b81 wf9d h251\"><div class=\"t m0 x1ed h9c y6b7c ff1 fs5e fc3 sc0 ls39 ws3b\">14<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d65 y6b81 wf9e h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">196<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n x1d66 y6b81 wfa5 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">168<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d67 y6b81 wfa5 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">168<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d68 y6b81 wf6a h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(1)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d69 y6b81 wf6a h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(1)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d6a y6b81 wf74 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(2)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d6b y6b81 wf6c h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d6c y6b81 wf6c h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d6d y6b81 wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d6e y6b81 wf6c h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d6f y6b81 wfa6 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(83)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d70 y6b81 wfa6 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(83)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d71 y6b81 wfa7 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(1.1)%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x221 hc6 y6b82 ff1 fs5e fc3 sc0 ls39 ws0\">Non Corporate </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1ee y6b83 wf60 h2c1\"><div class=\"t m0 x1ed hc6 y6b71 ff1 fs5e fc3 sc0 ls39 ws3b\">Lending</div><div class=\"t m0 x7ca hc5 y6b7a ff1 fs60 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d72 y6b84 wfa8 h251\"><div class=\"t m0 x1ed h9c y6b7c ff1 fs5e fc3 sc0 ls39 ws3b\">3,241<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d73 y6b84 wfa9 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">363<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d74 y6b84 wfaa h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">3,604<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d75 y6b84 wf66 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d76 y6b84 wf66 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d77 y6b84 wf66 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d78 y6b84 wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n x1d79 y6b84 wf66 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d7a y6b84 wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d7b y6b84 wf6a h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(1)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d7c y6b84 wf66 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d7d y6b84 wf6a h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(1)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d7e y6b84 wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d7f y6b84 wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d80 y6b84 wf6c h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d81 y6b84 wf6c h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d82 y6b84 wf6c h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d83 y6b84 wf6c h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d84 y6b84 wf92 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(0.0)%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6b85 wf6e h251\"><div class=\"t m0 x1ed h9c y6b7c ff1 fs5e fc3 sc0 ls39 ws3b\">Banks<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d85 y6b85 wfab h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">2,206<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d86 y6b85 wfac h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">238<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d87 y6b85 wfad h251\"><div class=\"t m0 x1ed h9c y6b7c ff1 fs5e fc3 sc0 ls39 ws3b\">2,444<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d88 y6b85 wf66 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d89 y6b85 wf66 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d8a y6b85 wf66 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d8b y6b85 wf66 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n x1d8c y6b85 wf95 h251\"><div class=\"t m0 x1ed h9c y6b7c ff1 fs5e fc3 sc0 ls0 ws0\">3<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xc72 y6b85 wf95 h251\"><div class=\"t m0 x1ed h9c y6b7c ff1 fs5e fc3 sc0 ls0 ws0\">3<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d8d y6b85 wf6a h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(1)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d8e y6b85 wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d8f y6b85 wf6a h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(1)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d90 y6b85 wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d91 y6b85 wf6c h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d92 y6b85 wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d93 y6b85 wf6c h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d94 y6b85 w67a h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(3)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d95 y6b85 wfae h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(3)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d96 y6b85 w661 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(0.2)%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6b86 wfaf h205\"><div class=\"t m0 x1ed h9c y6b7c ff2 fs5e fc3 sc0 ls39 ws3b\">UK<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d97 y6b86 wfb0 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">11,029<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d98 y6b86 w2bf h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">3,939<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d99 y6b86 we71 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">14,968<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d9a y6b86 wfb1 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">48<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d9b y6b86 wfb2 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">479<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d9c y6b86 wf95 h251\"><div class=\"t m0 x1ed h9c y6b7c ff1 fs5e fc3 sc0 ls0 ws0\">3<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d9d y6b86 we91 h251\"><div class=\"t m0 x1ed h9c y6b7c ff1 fs5e fc3 sc0 ls39 ws3b\">530<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n x1d9e y6b86 wfb3 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">316<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d9f y6b86 wfb3 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">316<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1da0 y6b86 wfb4 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(10)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1da1 y6b86 wf5c h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(4)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1da2 y6b86 wf8a h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(14)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1da3 y6b86 wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1da4 y6b86 wfb5 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(27)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1cc8 y6b86 wf51 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(6)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1da5 y6b86 wf50 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(33)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1da6 y6b86 w1c7 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(258)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1da7 y6b86 w1c7 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(258)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1993 y6b86 wf8c h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(1.9)%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x221 hc6 y6b87 ff1 fs5e fc3 sc0 ls39 ws3b\">Corporate </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y6b88 wf54 h251\"><div class=\"t m0 x1ed h9c y6b7c ff1 fs5e fc3 sc0 ls39 ws3b\">Lending<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1da8 y6b88 wfb6 h251\"><div class=\"t m0 x1ed h9c y6b7c ff1 fs5e fc3 sc0 ls39 ws3b\">325<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1da9 y6b88 wfb7 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">871<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1daa y6b88 w156 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">1,196<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1dab y6b88 wfb8 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">47<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1dac y6b88 wfb2 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">479<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1dad y6b88 wf71 h251\"><div class=\"t m0 x1ed h9c y6b7c ff1 fs5e fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1dae y6b88 wfb9 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">527<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n x1daf y6b88 wfba h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">258<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1db0 y6b88 wfba h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">258<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d55 y6b88 wfbb h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(9)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1db1 y6b88 wfbc h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(3)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1db2 y6b88 wfbd h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(12)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1db3 y6b88 wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1db4 y6b88 wfb5 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(27)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1db5 y6b88 wf51 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(6)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1db6 y6b88 wf50 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(33)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1db7 y6b88 wfbe h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(237)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1db8 y6b88 wfbe h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(237)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1db9 y6b88 w209 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(14.2)%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x221 hc6 y6b89 ff1 fs5e fc3 sc0 ls39 ws0\">Non Corporate </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1ee y6b8a wf60 h2c1\"><div class=\"t m0 x1ed hc6 y6b71 ff1 fs5e fc3 sc0 ls39 ws3b\">Lending</div><div class=\"t m0 x7ca hc5 y6b7a ff1 fs60 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1dba y6b8b wf8e h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">8,690<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1dbb y6b8b wfbf h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">982<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1dbc y6b8b wfc0 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">9,672<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1dbd y6b8b wf71 h251\"><div class=\"t m0 x1ed h9c y6b7c ff1 fs5e fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1dbe y6b8b wf66 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1dbf y6b8b wf66 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1dc0 y6b8b wfc1 h251\"><div class=\"t m0 x1ed h9c y6b7c ff1 fs5e fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n x1dc1 y6b8b wfc2 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">57<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1dc2 y6b8b wfc3 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">57<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1dc3 y6b8b wf6a h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(1)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1dc4 y6b8b wf6a h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(1)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1dc5 y6b8b wf74 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(2)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1dc6 y6b8b wf6c h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1dc7 y6b8b wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1dc8 y6b8b wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1dc9 y6b8b wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1dca y6b8b wfbd h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(21)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1dcb y6b8b wfbd h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(21)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1dcc y6b8b w661 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(0.2)%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6b8c wf6e h251\"><div class=\"t m0 x1ed h9c y6b7c ff1 fs5e fc3 sc0 ls39 ws3b\">Banks<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1dcd y6b8c wfc4 h251\"><div class=\"t m0 x1ed h9c y6b7c ff1 fs5e fc3 sc0 ls39 ws3b\">2,014<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1dce y6b8c wfc5 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">2,086<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1dcf y6b8c wfc6 h251\"><div class=\"t m0 x1ed h9c y6b7c ff1 fs5e fc3 sc0 ls39 ws3b\">4,100<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1dd0 y6b8c wf66 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1dd1 y6b8c wf66 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1dd2 y6b8c wf94 h251\"><div class=\"t m0 x1ed h9c y6b7c ff1 fs5e fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1dd3 y6b8c wfc7 h251\"><div class=\"t m0 x1ed h9c y6b7c ff1 fs5e fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n x1dd4 y6b8c wf71 h251\"><div class=\"t m0 x1ed h9c y6b7c ff1 fs5e fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1dd5 y6b8c wf71 h251\"><div class=\"t m0 x1ed h9c y6b7c ff1 fs5e fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1dd6 y6b8c wf66 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1dd7 y6b8c wf66 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1dd8 y6b8c wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1dd9 y6b8c wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1dda y6b8c wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ddb y6b8c wf6c h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ddc y6b8c wf6c h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ddd y6b8c wf6c h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1dde y6b8c wf6c h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ddf y6b8c wf92 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(0.0)%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6b8d wfc8 h205\"><div class=\"t m0 x1ed h9c y6b7c ff2 fs5e fc3 sc0 ls39 ws3b\">US<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1de0 y6b8d wf55 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">16,244<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1de1 y6b8d wfc9 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">4,456<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1de2 y6b8d wfca h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">20,700<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1de3 y6b8d wfcb h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">92<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1de4 y6b8d wfcc h251\"><div class=\"t m0 x1ed h9c y6b7c ff1 fs5e fc3 sc0 ls39 ws3b\">433<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1de5 y6b8d wfcd h251\"><div class=\"t m0 x1ed h9c y6b7c ff1 fs5e fc3 sc0 ls39 ws3b\">33<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1de6 y6b8d w475 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">558<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n x1de7 y6b8d wfce h251\"><div class=\"t m0 x1ed h9c y6b7c ff1 fs5e fc3 sc0 ls39 ws3b\">31<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1de8 y6b8d wfce h251\"><div class=\"t m0 x1ed h9c y6b7c ff1 fs5e fc3 sc0 ls39 ws3b\">31<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1de9 y6b8d wfcf h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(4)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1dea y6b8d wf6a h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(1)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1deb y6b8d wf5b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(5)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1dec y6b8d wf6a h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(1)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ded y6b8d wf6a h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(1)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1dee y6b8d wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1def y6b8d wf74 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(2)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1df0 y6b8d wfae h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(3)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1df1 y6b8d w67a h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(3)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1df2 y6b8d wf92 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(0.0)%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x221 hc6 y6b8e ff1 fs5e fc3 sc0 ls39 ws3b\">Corporate </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y6b8f wf54 h251\"><div class=\"t m0 x1ed h9c y6b7c ff1 fs5e fc3 sc0 ls39 ws3b\">Lending<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d5f y6b8f wfd0 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">5,426<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1df3 y6b8f wfa4 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">2,761<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1df4 y6b8f wd40 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">8,187<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1df5 y6b8f wfd1 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">77<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1df6 y6b8f wfd2 h251\"><div class=\"t m0 x1ed h9c y6b7c ff1 fs5e fc3 sc0 ls39 ws3b\">322<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1df7 y6b8f wf66 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1df8 y6b8f wfd3 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">399<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n x1df9 y6b8f wfd4 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">28<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1dfa y6b8f wfd4 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">28<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1dfb y6b8f w67a h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(3)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1dfc y6b8f wf75 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(1)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1dfd y6b8f wf5c h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(4)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1dfe y6b8f wf6a h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(1)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1dff y6b8f wf6a h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(1)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e00 y6b8f wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18a1 y6b8f wf74 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(2)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e01 y6b8f wf6c h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e02 y6b8f wf6c h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e03 y6b8f wf6d h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(0.1)%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x221 hc6 y6b90 ff1 fs5e fc3 sc0 ls39 ws0\">Non Corporate </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1ee y6b91 wf60 h2c1\"><div class=\"t m0 x1ed hc6 y6b71 ff1 fs5e fc3 sc0 ls39 ws3b\">Lending</div><div class=\"t m0 x7ca hc5 y6b7a ff1 fs60 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1cdf y6b92 wfd5 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">9,688<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e04 y6b92 wfd6 h251\"><div class=\"t m0 x1ed h9c y6b7c ff1 fs5e fc3 sc0 ls39 ws3b\">123<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e05 y6b92 wf59 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">9,811<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e06 y6b92 wfd7 h251\"><div class=\"t m0 x1ed h9c y6b7c ff1 fs5e fc3 sc0 ls39 ws3b\">15<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e07 y6b92 wfd8 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">79<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e08 y6b92 wf66 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e09 y6b92 wf4b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">94<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n x1e0a y6b92 wf95 h251\"><div class=\"t m0 x1ed h9c y6b7c ff1 fs5e fc3 sc0 ls0 ws0\">3<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e0b y6b92 wf95 h251\"><div class=\"t m0 x1ed h9c y6b7c ff1 fs5e fc3 sc0 ls0 ws0\">3<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e0c y6b92 wf6a h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(1)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e0d y6b92 wf66 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e0e y6b92 wf6a h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(1)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e0f y6b92 wf6c h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e10 y6b92 wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e11 y6b92 wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e12 y6b92 wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e13 y6b92 w67a h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(3)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e14 y6b92 w67a h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(3)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e15 y6b92 wf92 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(0.0)%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6b93 wf6e h251\"><div class=\"t m0 x1ed h9c y6b7c ff1 fs5e fc3 sc0 ls39 ws3b\">Banks<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e16 y6b93 wfd9 h251\"><div class=\"t m0 x1ed h9c y6b7c ff1 fs5e fc3 sc0 ls39 ws3b\">1,130<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e17 y6b93 wfda h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">1,572<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e18 y6b93 w1c7 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">2,702<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e19 y6b93 wf66 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e1a y6b93 wfdb h251\"><div class=\"t m0 x1ed h9c y6b7c ff1 fs5e fc3 sc0 ls39 ws3b\">32<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e1b y6b93 wfcd h251\"><div class=\"t m0 x1ed h9c y6b7c ff1 fs5e fc3 sc0 ls39 ws3b\">33<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e1c y6b93 wfdc h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">65<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n x1e1d y6b93 wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e1e y6b93 wf66 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e1f y6b93 wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e20 y6b93 wf66 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e21 y6b93 wf6c h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e22 y6b93 wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e23 y6b93 wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e24 y6b93 wf6c h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e25 y6b93 wf6c h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e26 y6b93 wf6c h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e27 y6b93 wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e28 y6b93 wf92 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(0.0)%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6b94 wfdd h205\"><div class=\"t m0 x1ed h9c y6b7c ff5 fs5e fc3 sc0 ls39 ws3b\">Others<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e29 y6b94 wfde h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">42,171<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e2a y6b94 wfdf h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">19,370<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e2b y6b94 wfe0 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">61,541<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e2c y6b94 we88 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">318<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e2d y6b94 wfe1 h251\"><div class=\"t m0 x1ed h9c y6b7c ff1 fs5e fc3 sc0 ls39 ws3b\">3,251<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e2e y6b94 wfa5 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">819<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e2f y6b94 wfe2 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">4,389<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n x1e30 y6b94 wf93 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">2,460<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e31 y6b94 wf93 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">2,460<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e32 y6b94 wfb4 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(10)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e33 y6b94 wfe3 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(33)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e34 y6b94 wfe4 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(43)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e35 y6b94 wfae h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(3)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e36 y6b94 wfe5 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(70)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e37 y6b94 weab h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(29)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e38 y6b94 wfe6 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(102)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e39 y6b94 wfe7 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(1,483)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e3a y6b94 wfe8 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(1,483)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e3b y6b94 wfe9 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(2.4)%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x221 hc6 y6b95 ff1 fs5e fc3 sc0 ls39 ws3b\">Corporate </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y6b96 wf54 h251\"><div class=\"t m0 x1ed h9c y6b7c ff1 fs5e fc3 sc0 ls39 ws3b\">Lending<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e3c y6b96 wfea h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">24,835<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e3d y6b96 w587 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">14,075<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e3e y6b96 wfeb h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">38,910<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e3f y6b96 wfec h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">291<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e40 y6b96 w649 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">2,048<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e41 y6b96 wfed h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">516<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e42 y6b96 w1ee h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">2,855<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n x1e43 y6b96 wfda h251\"><div class=\"t m0 x1ed h9c y6b7c ff1 fs5e fc3 sc0 ls39 ws3b\">2,221<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e44 y6b96 wfda h251\"><div class=\"t m0 x1ed h9c y6b7c ff1 fs5e fc3 sc0 ls39 ws3b\">2,221<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e45 y6b96 wf89 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(6)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e46 y6b96 weab h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(26)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e47 y6b96 wcc2 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(32)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e48 y6b96 w67a h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(3)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e49 y6b96 wfa6 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(38)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e4a y6b96 w47e h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(28)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e4b y6b96 wfee h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(69)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e4c y6b96 w6c7 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(1,333)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e4d y6b96 w6c7 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(1,333)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e4e y6b96 wfef h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(3.3)%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x221 hc6 y6b97 ff1 fs5e fc3 sc0 ls39 ws0\">Non Corporate </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1ee y6b98 wf60 h2c1\"><div class=\"t m0 x1ed hc6 y6b71 ff1 fs5e fc3 sc0 ls39 ws3b\">Lending</div><div class=\"t m0 x7ca hc5 y6b7a ff1 fs60 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d72 y6b99 w758 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">9,451<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e4f y6b99 wb40 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">3,590<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e50 y6b99 wff0 h251\"><div class=\"t m0 x1ed h9c y6b7c ff1 fs5e fc3 sc0 ls39 ws3b\">13,041<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e51 y6b99 wfc2 h251\"><div class=\"t m0 x1ed h9c y6b7c ff1 fs5e fc3 sc0 ls39 ws3b\">22<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e52 y6b99 wff1 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">1,117<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e53 y6b99 wff2 h251\"><div class=\"t m0 x1ed h9c y6b7c ff1 fs5e fc3 sc0 ls39 ws3b\">153<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e54 y6b99 wff3 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">1,292<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n x1e55 y6b99 wfd2 h251\"><div class=\"t m0 x1ed h9c y6b7c ff1 fs5e fc3 sc0 ls39 ws3b\">232<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e56 y6b99 wfd2 h251\"><div class=\"t m0 x1ed h9c y6b7c ff1 fs5e fc3 sc0 ls39 ws3b\">232<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e57 y6b99 wf66 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e58 y6b99 wf89 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(6)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e59 y6b99 wf51 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(6)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e5a y6b99 wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e5b y6b99 wff4 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(31)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e5c y6b99 wf6a h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(1)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e5d y6b99 wcc2 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(32)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e5e y6b99 wff5 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(149)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e5f y6b99 wff5 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(149)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e60 y6b99 wff6 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(1.3)%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6b9a wf6e h251\"><div class=\"t m0 x1ed h9c y6b7c ff1 fs5e fc3 sc0 ls39 ws3b\">Banks<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e61 y6b9a waa0 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">7,885<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e62 y6b9a wff7 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">1,705<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e63 y6b9a wff8 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">9,590<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e64 y6b9a wf73 h251\"><div class=\"t m0 x1ed h9c y6b7c ff1 fs5e fc3 sc0 ls0 ws0\">5<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e65 y6b9a wff9 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">86<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e66 y6b9a wffa h251\"><div class=\"t m0 x1ed h9c y6b7c ff1 fs5e fc3 sc0 ls39 ws3b\">150<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e67 y6b9a wffb h251\"><div class=\"t m0 x1ed h9c y6b7c ff1 fs5e fc3 sc0 ls39 ws3b\">241<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n x1e68 y6b9a wffc h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">7<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e69 y6b9a wffc h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">7<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e6a y6b9a wf5c h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(4)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1dea y6b9a wf6a h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(1)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1deb y6b9a wf5b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(5)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e6b y6b9a wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e6c y6b9a wf6a h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(1)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e6d y6b9a wf6c h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e6e y6b9a wf6a h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(1)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e6f y6b9a wf6a h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(1)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e70 y6b9a wf6a h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(1)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e71 y6b9a wf6d h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(0.1)%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6567 wffd h205\"><div class=\"t m0 x1ed h9c y6b7c ff5 fs5e fc3 sc0 ls39 ws3b\">Total<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e72 y6567 wffe h251\"><div class=\"t m0 x1ed h9c y6b7c ff1 fs5e fc3 sc0 ls39 ws3b\">143,505<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e73 y6567 wfff h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">50,407<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e74 y6567 w1000 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">193,912<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e75 y6567 w1001 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">1,237<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e76 y6567 w1002 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">6,790<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e77 y6567 w1003 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">968<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e78 y6567 w1004 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">8,996<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n x1e79 y6567 wf61 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">4,657<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e7a y6567 wf61 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">4,657<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e7b y6567 w6cd h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(35)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e7c y6567 w1005 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(55)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e7d y6567 w1006 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(90)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e7e y6567 wf80 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(41)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e7f y6567 w1007 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(219)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e80 y6567 w888 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(44)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e81 y6567 w1008 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(304)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e82 y6567 w1009 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(3,183)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e83 y6567 w1009 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(3,183)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e84 y6567 w100a h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(1.7)%<span class=\"_ _3eb\"> </span></div></td></tr></table></div><div class=\"t m0 hb ff1 fs7 fc3 sc0 ls7 ws7 gs9f2\">1 <span class=\"_ _b\"> </span><span class=\"ff4\">Refer to the equivalent table on page 244 of the Risk Review section.<span class=\"_ _3eb\"> </span></span></div><div class=\"t m0 hc ff6 fs8 fc2 sc0 ls8 ws0 gs9f4\">Adjustment table<span class=\"_ _3eb\"> </span></div><div class=\"gs9f5\"><table class=\"s w100b h2bc\" id=\"_faaa7908-ef70-45e8-aad1-5d36f389a11e\"><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m0 x1e85 h15b y6b9b ff1 fs66 fc3 sc0 ls51 ws0\">Corporate &amp; Investment Banking and Central &amp; other items<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m0 x1e86 h15b y6b9c ff1 fs66 fc3 sc0 ls51 ws5c\">2024<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td class=\"c n x1e87 y6b66 wf3f h2bd\"><div class=\"t m0 x1ed h15c y6b65 ff1 fs66 fc3 sc0 ls51 ws5c\">Gross<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"c n x1e88 y6b66 wf40 h209\"><div class=\"t m0 x1ed h15c y6b65 ff4 fs66 fc3 sc0 ls51 ws5c\">Credit Impairment\ue004<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"c n x1e89 y6b9d wf41 h2c2\"><div class=\"t m0 x1ed h15b y6b67 ff1 fs66 fc3 sc0 ls51 ws0\">Stage 1<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td class=\"c n x1e8a y6b9d wf42 h2c2\"><div class=\"t m0 x1ed h15b y6b67 ff1 fs66 fc3 sc0 ls51 ws0\">Stage 2<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td class=\"c n x1e8b y6b9d wf43 h2c2\"><div class=\"t m0 x1ed h15b y6b67 ff1 fs66 fc3 sc0 ls51 ws0\">Stage 3<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e8c y6b9d wf41 h2c2\"><div class=\"t m0 x1ed h15b y6b67 ff1 fs66 fc3 sc0 ls51 ws0\">Stage 1<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td class=\"c n x1e8d y6b9d wf45 h2c2\"><div class=\"t m0 x1ed h15b y6b67 ff1 fs66 fc3 sc0 ls51 ws0\">Stage 2<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n x1e8e y6b9d wf46 h2c2\"><div class=\"t m0 x1ed h15b y6b67 ff1 fs66 fc3 sc0 ls51 ws0\">Stage 3<span class=\"_ _3eb\"> </span></div></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m0 x6b9 h15b y6b9e ff1 fs66 fc3 sc0 ls51 ws5c\">Higher </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m0 x12e8 h15b y6b9e ff1 fs66 fc3 sc0 ls51 ws5c\">Higher </td><td></td><td></td><td></td><td class=\"t m0 x1822 h15b y6b9e ff1 fs66 fc3 sc0 ls51 ws5c\">Total </td></tr><tr><td></td><td class=\"t m0 x1e8f h15b y6b9f ff1 fs66 fc3 sc0 ls51 ws5c\">Strong<span class=\"ls0 ws0\"> </span></td><td class=\"t m0 x1e90 h15b y6b9f ff1 fs66 fc3 sc0 ls51 ws5c\">Satisfactory<span class=\"ls0 ws0\"> </span></td><td class=\"t m0 x1e91 h15b y6b9f ff1 fs66 fc3 sc0 ls51 ws5c\">Total<span class=\"ls0 ws0\"> </span></td><td class=\"t m0 x1e92 h15b y6b9f ff1 fs66 fc3 sc0 ls51 ws5c\">Strong<span class=\"ls0 ws0\"> </span></td><td class=\"t m0 x66d h15b y6b9f ff1 fs66 fc3 sc0 ls51 ws5c\">Satisfactory<span class=\"ls0 ws0\"> </span></td><td class=\"t m0 x86c h15b y6b9f ff1 fs66 fc3 sc0 ls51 ws5c\">Risk<span class=\"ls0 ws0\"> </span></td><td class=\"t m0 x1970 h15b y6b9f ff1 fs66 fc3 sc0 ls51 ws5c\">Total<span class=\"ls0 ws0\"> </span></td><td class=\"t m0 x14b0 h15b y6b9f ff1 fs66 fc3 sc0 ls51 ws5c\">Defaulted<span class=\"ls0 ws0\"> </span></td><td class=\"t m0 x1e93 h15b y6b9f ff1 fs66 fc3 sc0 ls51 ws5c\">Total<span class=\"ls0 ws0\"> </span></td><td class=\"t m0 x1e94 h15b y6b9f ff1 fs66 fc3 sc0 ls51 ws5c\">Strong<span class=\"ls0 ws0\"> </span></td><td class=\"t m0 x2ce h15b y6b9f ff1 fs66 fc3 sc0 ls51 ws5c\">Satisfactory<span class=\"ls0 ws0\"> </span></td><td class=\"t m0 x6bd h15b y6b9f ff1 fs66 fc3 sc0 ls51 ws5c\">Total<span class=\"ls0 ws0\"> </span></td><td class=\"t m0 x668 h15b y6b9f ff1 fs66 fc3 sc0 ls51 ws5c\">Strong<span class=\"ls0 ws0\"> </span></td><td class=\"t m0 x1e95 h15b y6b9f ff1 fs66 fc3 sc0 ls51 ws5c\">Satisfactory<span class=\"ls0 ws0\"> </span></td><td class=\"t m0 x2d4 h15b y6b9f ff1 fs66 fc3 sc0 ls51 ws5c\">Risk<span class=\"ls0 ws0\"> </span></td><td class=\"t m0 x1e96 h15b y6b9f ff1 fs66 fc3 sc0 ls51 ws5c\">Total<span class=\"ls0 ws0\"> </span></td><td class=\"t m0 x96e h15b y6b9f ff1 fs66 fc3 sc0 ls51 ws5c\">Impaired<span class=\"ls0 ws0\"> </span></td><td class=\"t m0 x1280 h15b y6b9f ff1 fs66 fc3 sc0 ls51 ws5c\">Total<span class=\"ls0 ws0\"> </span></td><td class=\"t m0 xbf0 h15b y6b9f ff1 fs66 fc3 sc0 ls51 ws5c\">Coverage </td></tr><tr><td></td><td class=\"t m0 x1e97 h15c y6ba0 ff4 fs66 fc3 sc0 ls51 ws5c\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1e98 h15c y6ba0 ff4 fs66 fc3 sc0 ls51 ws5c\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1e99 h15c y6ba0 ff4 fs66 fc3 sc0 ls51 ws5c\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1e9a h15c y6ba0 ff4 fs66 fc3 sc0 ls51 ws5c\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1e9b h15c y6ba0 ff4 fs66 fc3 sc0 ls51 ws5c\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1275 h15c y6ba0 ff4 fs66 fc3 sc0 ls51 ws5c\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1631 h15c y6ba0 ff4 fs66 fc3 sc0 ls51 ws5c\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x4bc h15c y6ba0 ff4 fs66 fc3 sc0 ls51 ws5c\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x19a9 h15c y6ba0 ff4 fs66 fc3 sc0 ls51 ws5c\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x4bd h15c y6ba0 ff4 fs66 fc3 sc0 ls51 ws5c\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xadc h15c y6ba0 ff4 fs66 fc3 sc0 ls51 ws5c\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x970 h15c y6ba0 ff4 fs66 fc3 sc0 ls51 ws5c\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x2f2 h15c y6ba0 ff4 fs66 fc3 sc0 ls51 ws5c\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x672 h15c y6ba0 ff4 fs66 fc3 sc0 ls51 ws5c\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1e9c h15c y6ba0 ff4 fs66 fc3 sc0 ls51 ws5c\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1e9d h15c y6ba0 ff4 fs66 fc3 sc0 ls51 ws5c\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x6bb h15c y6ba0 ff4 fs66 fc3 sc0 ls51 ws5c\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x123c h15c y6ba0 ff4 fs66 fc3 sc0 ls51 ws5c\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1e9e h15b y6ba0 ff1 fs66 fc3 sc0 ls0 ws0\">%<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c n x1ee y6b6d wf47 h205\"><div class=\"t m0 x1ed h9c y6b6c ff2 fs5e fc3 sc0 ls39 ws0\">Hong Kong<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e9f y6b6d w100c h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">2,909<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ea0 y6b6d wf66 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ea1 y6b6d w100c h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">2,909<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ea2 y6b6d wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ea3 y6b6d wf66 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ea4 y6b6d wf66 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ea5 y6b6d wf66 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ea6 y6b6d w6ea h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(36)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1c6e y6b6d w100d h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(36)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ea7 y6b6d wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ea8 y6b6d wf6c h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ea9 y6b6d wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1eaa y6b6d wf6c h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1eab y6b6d wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1eac y6b6d wf6c h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ead y6b6d wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1eae y6b6d wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1eaf y6b6d wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1eb0 y6b6d wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x235 hc6 y6ba1 ff1 fs5e fc3 sc0 ls39 ws3b\">Corporate </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y6b6f wf54 h21e\"><div class=\"t m0 x1ed h9c y6b6c ff1 fs5e fc3 sc0 ls39 ws3b\">Lending<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1eb1 y6b6f w156 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">1,199<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1eb2 y6b6f wf66 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1eb3 y6b6f w156 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">1,199<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1eb4 y6b6f wf66 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1eb5 y6b6f wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1eb6 y6b6f wf66 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1eb7 y6b6f wf66 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1eb8 y6b6f w6ea h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(36)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1eb9 y6b6f w6ea h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(36)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d44 y6b6f wf66 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1eba y6b6f wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ebb y6b6f wf6c h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ebc y6b6f wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ebd y6b6f wf6c h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ebe y6b6f wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ebf y6b6f wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ec0 y6b6f wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ec1 y6b6f wf6c h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ec2 y6b6f wf6c h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x235 hc6 y6ba2 ff1 fs5e fc3 sc0 ls39 ws0\">Non Corporate </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1ee y6ba3 w100e h2c3\"><div class=\"t m0 x1ed hc6 y6b71 ff1 fs5e fc3 sc0 ls39 ws3b\">Lending</div><div class=\"t m0 x1ec3 hc5 y6b7a ff1 fs60 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ec4 y6ba4 wf9d h21e\"><div class=\"t m0 x1ed h9c y6b6c ff1 fs5e fc3 sc0 ls39 ws3b\">41<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ec5 y6ba4 wf66 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ec6 y6ba4 wf9d h21e\"><div class=\"t m0 x1ed h9c y6b6c ff1 fs5e fc3 sc0 ls39 ws3b\">41<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ec7 y6ba4 wf66 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ec8 y6ba4 wf66 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ec9 y6ba4 wf66 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1eca y6ba4 wf66 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ecb y6ba4 wf66 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ecc y6ba4 wf66 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ecd y6ba4 wf66 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ece y6ba4 wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ecf y6ba4 wf6c h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ed0 y6ba4 wf6c h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ed1 y6ba4 wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ed2 y6ba4 wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ed3 y6ba4 wf6c h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ed4 y6ba4 wf6c h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ed5 y6ba4 wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ed6 y6ba4 wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6b75 wf6e h21e\"><div class=\"t m0 x1ed h9c y6b6c ff1 fs5e fc3 sc0 ls39 ws3b\">Banks<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ed7 y6b75 waa4 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">1,669<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ed8 y6b75 wf66 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ed9 y6b75 waa4 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">1,669<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1eda y6b75 wf66 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d3f y6b75 wf66 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1edb y6b75 wf66 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1edc y6b75 wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1edd y6b75 wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ede y6b75 wf66 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1edf y6b75 wf66 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ee0 y6b75 wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ee1 y6b75 wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ee2 y6b75 wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ee3 y6b75 wf6c h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e00 y6b75 wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ee4 y6b75 wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ee5 y6b75 wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ee6 y6b75 wf6c h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ee7 y6b75 wf6c h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6b76 wf77 h205\"><div class=\"t m0 x1ed h9c y6b6c ff2 fs5e fc3 sc0 ls39 ws3b\">Singapore<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ee8 y6b76 wfca h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(2,985)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ee9 y6b76 w100f h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(993)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1eea y6b76 w551 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(3,978)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1eeb y6b76 wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1eec y6b76 w1010 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(64)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1eed y6b76 wf66 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1eee y6b76 w1010 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(64)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1eef y6b76 w1011 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">70<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ef0 y6b76 w1012 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">70<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ef1 y6b76 wf66 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ef2 y6b76 wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ef3 y6b76 wf6c h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ef4 y6b76 wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ef5 y6b76 wf6c h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ef6 y6b76 wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ef7 y6b76 wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ef8 y6b76 wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ef9 y6b76 wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1efa y6b76 wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x235 hc6 y6ba5 ff1 fs5e fc3 sc0 ls39 ws3b\">Corporate </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y6b78 wf54 h21e\"><div class=\"t m0 x1ed h9c y6b6c ff1 fs5e fc3 sc0 ls39 ws3b\">Lending<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d5f y6b78 w8df h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(2,212)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1efb y6b78 w8b7 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(454)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1efc y6b78 w1013 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(2,666)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1efd y6b78 wf66 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1efe y6b78 w1010 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(64)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1eff y6b78 wf66 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f00 y6b78 w1014 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(64)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f01 y6b78 w1012 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">70<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f02 y6b78 w1012 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">70<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f03 y6b78 wf66 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f04 y6b78 wf6c h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f05 y6b78 wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1db3 y6b78 wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f06 y6b78 wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f07 y6b78 wf6c h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f08 y6b78 wf6c h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f09 y6b78 wf6c h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f0a y6b78 wf6c h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f0b y6b78 wf6c h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x235 hc6 y6ba6 ff1 fs5e fc3 sc0 ls39 ws0\">Non Corporate </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1ee y6b7b w100e h2c3\"><div class=\"t m0 x1ed hc6 y6b71 ff1 fs5e fc3 sc0 ls39 ws3b\">Lending</div><div class=\"t m0 x1ec3 hc5 y6b7a ff1 fs60 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f0c y6b7d w1015 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(808)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f0d y6b7d w1016 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(524)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f0e y6b7d w1017 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(1,332)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f0f y6b7d wf66 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f10 y6b7d wf66 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f11 y6b7d wf66 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f12 y6b7d wf66 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f13 y6b7d wf66 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f14 y6b7d wf66 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f15 y6b7d wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f16 y6b7d wf6c h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f17 y6b7d wf6c h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f18 y6b7d wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f19 y6b7d wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f1a y6b7d wf6c h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f1b y6b7d wf6c h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f1c y6b7d wf6c h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f1d y6b7d wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f1e y6b7d wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6b7e wf6e h21e\"><div class=\"t m0 x1ed h9c y6b6c ff1 fs5e fc3 sc0 ls39 ws3b\">Banks<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f1f y6b7e wf7c h21e\"><div class=\"t m0 x1ed h9c y6b6c ff1 fs5e fc3 sc0 ls39 ws3b\">35<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f20 y6b7e w1018 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(15)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f21 y6b7e w1019 h21e\"><div class=\"t m0 x1ed h9c y6b6c ff1 fs5e fc3 sc0 ls39 ws3b\">20<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f22 y6b7e wf66 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f23 y6b7e wf66 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f24 y6b7e wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f25 y6b7e wf66 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f26 y6b7e wf66 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f27 y6b7e wf66 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f28 y6b7e wf66 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f29 y6b7e wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f2a y6b7e wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f2b y6b7e wf6c h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f2c y6b7e wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f2d y6b7e wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f2e y6b7e wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f2f y6b7e wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d01 y6b7e wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f30 y6b7e wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6b7f wf97 h205\"><div class=\"t m0 x1ed h9c y6b6c ff5 fs5e fc3 sc0 ls39 ws3b\">China<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f31 y6b7f w101a h21e\"><div class=\"t m0 x1ed h9c y6b6c ff1 fs5e fc3 sc0 ls39 ws3b\">10<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f32 y6b7f w101b h21e\"><div class=\"t m0 x1ed h9c y6b6c ff1 fs5e fc3 sc0 ls39 ws3b\">50<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f33 y6b7f w101c h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">60<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1eb4 y6b7f wf66 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1eb5 y6b7f wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1eb6 y6b7f wf66 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1eb7 y6b7f wf66 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f34 y6b7f wf66 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f35 y6b7f wf66 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f36 y6b7f wf66 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f37 y6b7f wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f38 y6b7f wf6c h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f39 y6b7f wf6c h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f3a y6b7f wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f3b y6b7f wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f3c y6b7f wf6c h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f3d y6b7f wf6c h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f3e y6b7f wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f3f y6b7f wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x235 hc6 y6ba7 ff1 fs5e fc3 sc0 ls39 ws3b\">Corporate </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y6b81 wf54 h21e\"><div class=\"t m0 x1ed h9c y6b6c ff1 fs5e fc3 sc0 ls39 ws3b\">Lending<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f40 y6b81 wf6a h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(1)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f41 y6b81 w101b h21e\"><div class=\"t m0 x1ed h9c y6b6c ff1 fs5e fc3 sc0 ls39 ws3b\">50<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f42 y6b81 wf4b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">49<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f43 y6b81 wf66 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f44 y6b81 wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f45 y6b81 wf66 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f46 y6b81 wf66 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f47 y6b81 wf66 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f48 y6b81 wf66 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f49 y6b81 wf66 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f4a y6b81 wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f4b y6b81 wf6c h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f4c y6b81 wf6c h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f4d y6b81 wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f4e y6b81 wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f4f y6b81 wf6c h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f50 y6b81 wf6c h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f51 y6b81 wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f52 y6b81 wf6c h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x235 hc6 y6ba8 ff1 fs5e fc3 sc0 ls39 ws0\">Non Corporate </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1ee y6b83 w100e h2c3\"><div class=\"t m0 x1ed hc6 y6b71 ff1 fs5e fc3 sc0 ls39 ws3b\">Lending</div><div class=\"t m0 x1ec3 hc5 y6b7a ff1 fs60 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f53 y6b84 wf66 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f54 y6b84 wf66 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f55 y6b84 wf66 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f56 y6b84 wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f57 y6b84 wf66 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f58 y6b84 wf66 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f59 y6b84 wf66 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f5a y6b84 wf66 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f5b y6b84 wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f5c y6b84 wf66 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f5d y6b84 wf6c h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f5e y6b84 wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f5f y6b84 wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f60 y6b84 wf6c h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f61 y6b84 wf6c h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f62 y6b84 wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f63 y6b84 wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f64 y6b84 wf6c h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f65 y6b84 wf6c h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6b85 wf6e h21e\"><div class=\"t m0 x1ed h9c y6b6c ff1 fs5e fc3 sc0 ls39 ws3b\">Banks<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f66 y6b85 w101d h21e\"><div class=\"t m0 x1ed h9c y6b6c ff1 fs5e fc3 sc0 ls39 ws3b\">11<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f67 y6b85 wf66 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f68 y6b85 w101e h21e\"><div class=\"t m0 x1ed h9c y6b6c ff1 fs5e fc3 sc0 ls39 ws3b\">11<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f69 y6b85 wf66 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f6a y6b85 wf66 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f6b y6b85 wf66 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f6c y6b85 wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f6d y6b85 wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f6e y6b85 wf66 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f6f y6b85 wf66 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f70 y6b85 wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f71 y6b85 wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f72 y6b85 wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f73 y6b85 wf6c h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f74 y6b85 wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f75 y6b85 wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f76 y6b85 wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f77 y6b85 wf6c h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f78 y6b85 wf6c h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6b86 wfaf h205\"><div class=\"t m0 x1ed h9c y6b6c ff2 fs5e fc3 sc0 ls39 ws3b\">UK<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f79 y6b86 w101f h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(10,526)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f7a y6b86 w1020 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(2,046)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f7b y6b86 w1f0 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(12,572)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f7c y6b86 wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f7d y6b86 w1021 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(1,461)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f7e y6b86 w1022 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(138)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f7f y6b86 w6a4 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(1,599)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f80 y6b86 w377 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(440)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f81 y6b86 w377 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(440)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f82 y6b86 wf66 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f83 y6b86 wf6c h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f84 y6b86 wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f85 y6b86 wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f86 y6b86 wf6c h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f87 y6b86 wf6c h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f88 y6b86 wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f89 y6b86 wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f0a y6b86 wf6c h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f0b y6b86 wf6c h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x235 hc6 y6ba9 ff1 fs5e fc3 sc0 ls39 ws3b\">Corporate </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y6b88 wf54 h21e\"><div class=\"t m0 x1ed h9c y6b6c ff1 fs5e fc3 sc0 ls39 ws3b\">Lending<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f8a y6b88 w1023 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(2,006)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f8b y6b88 wcbc h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(1,211)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f8c y6b88 w1024 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(3,217)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ea2 y6b88 wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f8d y6b88 w1025 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(954)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f8e y6b88 weab h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(26)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f8f y6b88 w1026 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(980)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f90 y6b88 w1027 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(400)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f91 y6b88 w1027 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(400)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f92 y6b88 wf66 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f93 y6b88 wf6c h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f94 y6b88 wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f95 y6b88 wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f96 y6b88 wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f97 y6b88 wf6c h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d93 y6b88 wf6c h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f98 y6b88 wf6c h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f99 y6b88 wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f9a y6b88 wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x235 hc6 y6baa ff1 fs5e fc3 sc0 ls39 ws0\">Non Corporate </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1ee y6b8a w100e h2c4\"><div class=\"t m0 x1ed hc6 y6b71 ff1 fs5e fc3 sc0 ls39 ws3b\">Lending</div><div class=\"t m0 x1ec3 hc5 y6b72 ff1 fs60 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f9b y6b8b w1028 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(8,350)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f9c y6b8b w1029 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(771)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f9d y6b8b we9b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(9,121)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f9e y6b8b wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f9f y6b8b w102a h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(507)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1fa0 y6b8b w102b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(112)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1fa1 y6b8b wf82 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(619)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1fa2 y6b8b w102c h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(40)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1fa3 y6b8b w102d h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(40)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1fa4 y6b8b wf66 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1fa5 y6b8b wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1fa6 y6b8b wf6c h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1fa7 y6b8b wf6c h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1fa8 y6b8b wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1fa9 y6b8b wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1faa y6b8b wf6c h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1fab y6b8b wf6c h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1fac y6b8b wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1fad y6b8b wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6b8c wf6e h251\"><div class=\"t m0 x1ed h9c y6b7c ff1 fs5e fc3 sc0 ls39 ws3b\">Banks<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1fae y6b8c w3e5 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(170)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1faf y6b8c w1010 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(64)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1fb0 y6b8c wfc6 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(234)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1fb1 y6b8c wf66 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1fb2 y6b8c wf66 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1fb3 y6b8c wf66 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1fb4 y6b8c wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1fb5 y6b8c wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1fb6 y6b8c wf66 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1fb7 y6b8c wf66 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1fb8 y6b8c wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1fb9 y6b8c wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1fba y6b8c wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1fbb y6b8c wf6c h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1fbc y6b8c wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1fbd y6b8c wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1fbe y6b8c wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1fbf y6b8c wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1fc0 y6b8c wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6b8d wfc8 h205\"><div class=\"t m0 x1ed h9c y6b7c ff2 fs5e fc3 sc0 ls39 ws3b\">US<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1fc1 y6b8d wfd2 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">537<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1fc2 y6b8d wfdc h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">56<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1fc3 y6b8d w102e h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">593<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1fc4 y6b8d wf66 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1fc5 y6b8d wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1fc6 y6b8d wf66 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1fc7 y6b8d wf66 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1fc8 y6b8d wf96 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">27<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1fc9 y6b8d wf96 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">27<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1fca y6b8d wf66 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1fcb y6b8d wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1fcc y6b8d wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x19d1 y6b8d wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d47 y6b8d wf6c h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d48 y6b8d wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d49 y6b8d wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1fcd y6b8d wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1fce y6b8d wf6c h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1fcf y6b8d wf6c h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x235 hc6 y6bab ff1 fs5e fc3 sc0 ls39 ws3b\">Corporate </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y6b8f wf54 h251\"><div class=\"t m0 x1ed h9c y6b7c ff1 fs5e fc3 sc0 ls39 ws3b\">Lending<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f40 y6b8f wf8f h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">92<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1fd0 y6b8f w102f h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">56<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1fd1 y6b8f w1030 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">148<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1fd2 y6b8f wf66 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1fd3 y6b8f wf66 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1fd4 y6b8f wf66 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1fd5 y6b8f wf66 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1fd6 y6b8f wf96 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">27<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1fd7 y6b8f wf96 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">27<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1fd8 y6b8f wf66 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1fd9 y6b8f wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1fda y6b8f wf6c h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1fdb y6b8f wf6c h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1fdc y6b8f wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d6d y6b8f wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d6e y6b8f wf6c h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1fdd y6b8f wf6c h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1fde y6b8f wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1fdf y6b8f wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x235 hc6 y6bac ff1 fs5e fc3 sc0 ls39 ws0\">Non Corporate </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1ee y6b91 w100e h2c4\"><div class=\"t m0 x1ed hc6 y6b71 ff1 fs5e fc3 sc0 ls39 ws3b\">Lending</div><div class=\"t m0 x1ec3 hc5 y6b72 ff1 fs60 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f53 y6b92 wf66 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f54 y6b92 wf66 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f55 y6b92 wf66 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f56 y6b92 wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f57 y6b92 wf66 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f58 y6b92 wf66 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f59 y6b92 wf66 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f5a y6b92 wf66 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f5b y6b92 wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f5c y6b92 wf66 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f5d y6b92 wf6c h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f5e y6b92 wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f5f y6b92 wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f60 y6b92 wf6c h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f61 y6b92 wf6c h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f62 y6b92 wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f63 y6b92 wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f64 y6b92 wf6c h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f65 y6b92 wf6c h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6b93 wf6e h251\"><div class=\"t m0 x1ed h9c y6b7c ff1 fs5e fc3 sc0 ls39 ws3b\">Banks<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1fe0 y6b93 w6ff h251\"><div class=\"t m0 x1ed h9c y6b7c ff1 fs5e fc3 sc0 ls39 ws3b\">445<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1fe1 y6b93 wf66 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1fe2 y6b93 w6ff h251\"><div class=\"t m0 x1ed h9c y6b7c ff1 fs5e fc3 sc0 ls39 ws3b\">445<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1fe3 y6b93 wf66 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1fe4 y6b93 wf66 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1fe5 y6b93 wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1fe6 y6b93 wf66 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1fe7 y6b93 wf66 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1cfa y6b93 wf66 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1fe8 y6b93 wf66 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1fe9 y6b93 wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1fea y6b93 wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1feb y6b93 wf6c h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1fec y6b93 wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1fed y6b93 wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1fee y6b93 wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1fef y6b93 wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ff0 y6b93 wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ff1 y6b93 wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6b94 wfdd h205\"><div class=\"t m0 x1ed h9c y6b7c ff5 fs5e fc3 sc0 ls39 ws3b\">Others<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ff2 y6b94 w1031 h251\"><div class=\"t m0 x1ed h9c y6b7c ff1 fs5e fc3 sc0 ls39 ws3b\">10,055<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ff3 y6b94 w1032 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">2,933<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ff4 y6b94 w4de h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">12,988<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1fc4 y6b94 wf66 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ff5 y6b94 wf58 h251\"><div class=\"t m0 x1ed h9c y6b7c ff1 fs5e fc3 sc0 ls39 ws3b\">1,525<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ff6 y6b94 we88 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">138<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ff7 y6b94 wf70 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">1,663<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ff8 y6b94 wf57 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">379<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ff9 y6b94 wf57 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">379<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d44 y6b94 wf66 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1eba y6b94 wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ebb y6b94 wf6c h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ebc y6b94 wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ebd y6b94 wf6c h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ffa y6b94 wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ffb y6b94 wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ffc y6b94 wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ffd y6b94 wf6c h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ffe y6b94 wf6c h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x235 hc6 y6bad ff1 fs5e fc3 sc0 ls39 ws3b\">Corporate </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y6b96 wf54 h251\"><div class=\"t m0 x1ed h9c y6b7c ff1 fs5e fc3 sc0 ls39 ws3b\">Lending<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d5f y6b96 w1033 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">2,926<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1fff y6b96 wf70 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">1,559<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2000 y6b96 w8b7 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">4,485<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2001 y6b96 wf66 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2002 y6b96 w995 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">1,018<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2003 y6b96 wf8f h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">26<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2004 y6b96 w1034 h251\"><div class=\"t m0 x1ed h9c y6b7c ff1 fs5e fc3 sc0 ls39 ws3b\">1,044<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2005 y6b96 w1035 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">338<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2006 y6b96 w1036 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">338<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2007 y6b96 wf66 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2008 y6b96 wf6c h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2009 y6b96 wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x200a y6b96 wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x200b y6b96 wf6c h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x200c y6b96 wf6c h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x200d y6b96 wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x200e y6b96 wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1dde y6b96 wf6c h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x200f y6b96 wf6c h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x235 hc6 y6bae ff1 fs5e fc3 sc0 ls39 ws0\">Non Corporate </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1ee y6b98 w100e h2c4\"><div class=\"t m0 x1ed hc6 y6b71 ff1 fs5e fc3 sc0 ls39 ws3b\">Lending</div><div class=\"t m0 x1ec3 hc5 y6b72 ff1 fs60 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f0c y6b99 w156 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">9,119<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2010 y6b99 w1037 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">1,294<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2011 y6b99 wff0 h251\"><div class=\"t m0 x1ed h9c y6b7c ff1 fs5e fc3 sc0 ls39 ws3b\">10,413<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2012 y6b99 wf66 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2013 y6b99 w1038 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">507<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2014 y6b99 w1039 h251\"><div class=\"t m0 x1ed h9c y6b7c ff1 fs5e fc3 sc0 ls39 ws3b\">112<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2015 y6b99 wf9e h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">619<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2016 y6b99 wf9d h251\"><div class=\"t m0 x1ed h9c y6b7c ff1 fs5e fc3 sc0 ls39 ws3b\">41<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2017 y6b99 wf9d h251\"><div class=\"t m0 x1ed h9c y6b7c ff1 fs5e fc3 sc0 ls39 ws3b\">41<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2018 y6b99 wf66 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2019 y6b99 wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x201a y6b99 wf6c h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x201b y6b99 wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x201c y6b99 wf6c h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x201d y6b99 wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x201e y6b99 wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x201f y6b99 wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2020 y6b99 wf6c h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2021 y6b99 wf6c h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6b9a wf6e h251\"><div class=\"t m0 x1ed h9c y6b7c ff1 fs5e fc3 sc0 ls39 ws3b\">Banks<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2022 y6b9a w103a h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(1,990)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f32 y6b9a w103b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">80<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2023 y6b9a w103c h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(1,910)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2024 y6b9a wf66 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2025 y6b9a wf66 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2026 y6b9a wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2027 y6b9a wf66 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2028 y6b9a wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2029 y6b9a wf66 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x202a y6b9a wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x202b y6b9a wf6c h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x202c y6b9a wf6c h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x202d y6b9a wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x202e y6b9a wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d5a y6b9a wf6c h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d5b y6b9a wf6c h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x202f y6b9a wf6c h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2030 y6b9a wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2031 y6b9a wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6567 wffd h205\"><div class=\"t m0 x1ed h9c y6b7c ff5 fs5e fc3 sc0 ls39 ws3b\">Total<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2032 y6567 wf66 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2033 y6567 wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2034 y6567 wf66 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1dd0 y6567 wf66 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1dd1 y6567 wf66 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1dd2 y6567 wf66 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2035 y6567 wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2036 y6567 wf66 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2037 y6567 wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2038 y6567 wf66 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2039 y6567 wf6c h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x203a y6567 wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x203b y6567 wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x203c y6567 wf6c h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x203d y6567 wf6c h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x203e y6567 wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x203f y6567 wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2040 y6567 wf6c h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2041 y6567 wf6c h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr></table></div><div class=\"t m0 hb ff1 fs7 fc3 sc0 ls7 ws7 gs9f6\">1 <span class=\"_ _b\"> </span><span class=\"ff4\">Refer to the equivalent table on page 244 of the Risk Review section.<span class=\"_ _3eb\"> </span></span></div><div class=\"t m0 hc ff6 fs8 fc2 sc0 ls8 ws0 gs9f8\">Re\u2013presented table as of 31 December 2024<span class=\"_ _3eb\"> </span></div><div class=\"gs9f9\"><table class=\"s w103d h2c5\" id=\"_40c47bfa-62d6-45c0-b24a-db1d0dcccb76\"><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x2043 y6baf w103e h209\"><div class=\"t m0 x1ed h151 y6597 ff1 fs64 fc3 sc0 ls50 ws0\">Corporate &amp; Investment Banking and Central &amp; other items</div><div class=\"t m0 x2042 h152 y6598 ff1 fs65 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m0 x1ca4 h15b y6bb0 ff1 fs66 fc3 sc0 ls51 ws5c\">2024<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td class=\"c n xd34 y6b66 wf3f h2bd\"><div class=\"t m0 x1ed h15c y6b65 ff1 fs66 fc3 sc0 ls51 ws5c\">Gross<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"c n x1ca5 y6b66 wf40 h209\"><div class=\"t m0 x1ed h15c y6b65 ff4 fs66 fc3 sc0 ls51 ws5c\">Credit Impairment\ue004<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"c n x1ca6 y6b9d wf41 h2c2\"><div class=\"t m0 x1ed h15b y6b67 ff1 fs66 fc3 sc0 ls51 ws0\">Stage 1<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td class=\"c n x1ca7 y6b9d wf42 h2c2\"><div class=\"t m0 x1ed h15b y6b67 ff1 fs66 fc3 sc0 ls51 ws0\">Stage 2<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td class=\"c n x1ca8 y6b9d wf43 h2c2\"><div class=\"t m0 x1ed h15b y6b67 ff1 fs66 fc3 sc0 ls51 ws0\">Stage 3<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ca9 y6b9d wf44 h2c2\"><div class=\"t m0 x1ed h15b y6b67 ff1 fs66 fc3 sc0 ls51 ws0\">Stage 1<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td class=\"c n x1caa y6b9d wf45 h2c2\" colspan=\"2\"><div class=\"t m0 x1ed h15b y6b67 ff1 fs66 fc3 sc0 ls51 ws0\">Stage 2<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n x1cab y6b9d wf46 h2c2\"><div class=\"t m0 x1ed h15b y6b67 ff1 fs66 fc3 sc0 ls51 ws0\">Stage 3<span class=\"_ _3eb\"> </span></div></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m0 xb97 h15b y6bb1 ff1 fs66 fc3 sc0 ls51 ws5c\">Higher </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m0 x1cac h15b y6bb1 ff1 fs66 fc3 sc0 ls51 ws5c\">Higher </td><td></td><td></td><td></td><td class=\"t m0 x1cad h15b y6bb1 ff1 fs66 fc3 sc0 ls51 ws5c\">Total </td></tr><tr><td></td><td class=\"t m0 x1cae h15b y6bb2 ff1 fs66 fc3 sc0 ls51 ws5c\">Strong<span class=\"ls0 ws0\"> </span></td><td class=\"t m0 x1caf h15b y6bb2 ff1 fs66 fc3 sc0 ls51 ws5c\">Satisfactory<span class=\"ls0 ws0\"> </span></td><td class=\"t m0 x1cb0 h15b y6bb2 ff1 fs66 fc3 sc0 ls51 ws5c\">Total<span class=\"ls0 ws0\"> </span></td><td class=\"t m0 x1cb1 h15b y6bb2 ff1 fs66 fc3 sc0 ls51 ws5c\">Strong<span class=\"ls0 ws0\"> </span></td><td class=\"t m0 x1558 h15b y6bb2 ff1 fs66 fc3 sc0 ls51 ws5c\">Satisfactory<span class=\"ls0 ws0\"> </span></td><td class=\"t m0 x1a2e h15b y6bb2 ff1 fs66 fc3 sc0 ls51 ws5c\">Risk<span class=\"ls0 ws0\"> </span></td><td class=\"t m0 x1a31 h15b y6bb2 ff1 fs66 fc3 sc0 ls51 ws5c\">Total<span class=\"ls0 ws0\"> </span></td><td></td><td class=\"t m0 x60d h15b y6bb2 ff1 fs66 fc3 sc0 ls51 ws5c\">Defaulted<span class=\"ls0 ws0\"> </span></td><td class=\"t m0 x5fd h15b y6bb2 ff1 fs66 fc3 sc0 ls51 ws5c\">Total<span class=\"ls0 ws0\"> </span></td><td class=\"t m0 x1ca4 h15b y6bb2 ff1 fs66 fc3 sc0 ls51 ws5c\">Strong<span class=\"ls0 ws0\"> </span></td><td class=\"t m0 x11fe h15b y6bb2 ff1 fs66 fc3 sc0 ls51 ws5c\">Satisfactory<span class=\"ls0 ws0\"> </span></td><td class=\"t m0 x5fe h15b y6bb2 ff1 fs66 fc3 sc0 ls51 ws5c\">Total<span class=\"ls0 ws0\"> </span></td><td class=\"t m0 x8b4 h15b y6bb2 ff1 fs66 fc3 sc0 ls51 ws5c\">Strong<span class=\"ls0 ws0\"> </span></td><td class=\"t m0 x1cb2 h15b y6bb2 ff1 fs66 fc3 sc0 ls51 ws5c\">Satisfactory<span class=\"ls0 ws0\"> </span></td><td class=\"t m0 x8b5 h15b y6bb2 ff1 fs66 fc3 sc0 ls51 ws5c\">Risk<span class=\"ls0 ws0\"> </span></td><td class=\"t m0 x1620 h15b y6bb2 ff1 fs66 fc3 sc0 ls51 ws5c\">Total<span class=\"ls0 ws0\"> </span></td><td class=\"t m0 x1a33 h15b y6bb2 ff1 fs66 fc3 sc0 ls51 ws5c\">Impaired<span class=\"ls0 ws0\"> </span></td><td class=\"t m0 x11c3 h15b y6bb2 ff1 fs66 fc3 sc0 ls51 ws5c\">Total<span class=\"ls0 ws0\"> </span></td><td class=\"t m0 x1cb3 h15b y6bb2 ff1 fs66 fc3 sc0 ls51 ws5c\">Coverage </td></tr><tr><td></td><td class=\"t m0 x1cb4 h15c y6bb3 ff4 fs66 fc3 sc0 ls51 ws5c\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1cb5 h15c y6bb3 ff4 fs66 fc3 sc0 ls51 ws5c\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xde2 h15c y6bb3 ff4 fs66 fc3 sc0 ls51 ws5c\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1cb6 h15c y6bb3 ff4 fs66 fc3 sc0 ls51 ws5c\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xd2c h15c y6bb3 ff4 fs66 fc3 sc0 ls51 ws5c\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1cb7 h15c y6bb3 ff4 fs66 fc3 sc0 ls51 ws5c\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1cb8 h15c y6bb3 ff4 fs66 fc3 sc0 ls51 ws5c\">$million<span class=\"_ _3eb\"> </span></td><td></td><td class=\"t m0 xf3c h15c y6bb3 ff4 fs66 fc3 sc0 ls51 ws5c\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x601 h15c y6bb3 ff4 fs66 fc3 sc0 ls51 ws5c\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xf3d h15c y6bb3 ff4 fs66 fc3 sc0 ls51 ws5c\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x8b8 h15c y6bb3 ff4 fs66 fc3 sc0 ls51 ws5c\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x3ff h15c y6bb3 ff4 fs66 fc3 sc0 ls51 ws5c\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xf45 h15c y6bb3 ff4 fs66 fc3 sc0 ls51 ws5c\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x52d h15c y6bb3 ff4 fs66 fc3 sc0 ls51 ws5c\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1cb9 h15c y6bb3 ff4 fs66 fc3 sc0 ls51 ws5c\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xd32 h15c y6bb3 ff4 fs66 fc3 sc0 ls51 ws5c\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xde5 h15c y6bb3 ff4 fs66 fc3 sc0 ls51 ws5c\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x11c1 h15c y6bb3 ff4 fs66 fc3 sc0 ls51 ws5c\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1658 h15b y6bb3 ff1 fs66 fc3 sc0 ls0 ws0\">%<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c n x1ee y6b6d wf47 h205\"><div class=\"t m0 x1ed h9c y6b6c ff2 fs5e fc3 sc0 ls39 ws0\">Hong Kong<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2044 y6b6d w103f h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">29,643<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2045 y6b6d w1040 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">12,079<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2046 y6b6d w9f6 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">41,722<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2047 y6b6d w1041 h21e\"><div class=\"t m0 x1ed h9c y6b6c ff1 fs5e fc3 sc0 ls39 ws3b\">230<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2048 y6b6d w3ed h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">1,539<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2049 y6b6d wf4b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">64<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x204a y6b6d wf4c h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">1,833<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n x204b y6b6d w6e4 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">1,308<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x204c y6b6d w1042 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">1,308<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x204d y6b6d wf4e h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(8)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x204e y6b6d w1043 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(8)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x204f y6b6d wf4f h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(16)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2050 y6b6d wf50 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(33)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2051 y6b6d w9a4 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(107)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2052 y6b6d wf89 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(9)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2053 y6b6d wff5 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(149)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2054 y6b6d wd8b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(1,157)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2055 y6b6d wd8b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(1,157)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1455 y6b6d w1cd h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(2.9)%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x221 hc6 y6bb4 ff1 fs5e fc3 sc0 ls39 ws3b\">Corporate </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y6b6f wf54 h21e\"><div class=\"t m0 x1ed h9c y6b6c ff1 fs5e fc3 sc0 ls39 ws3b\">Lending<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ccc y6b6f w1044 h21e\"><div class=\"t m0 x1ed h9c y6b6c ff1 fs5e fc3 sc0 ls39 ws3b\">13,230<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d04 y6b6f wf56 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">6,180<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2056 y6b6f wf2b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">19,410<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2057 y6b6f wf57 h21e\"><div class=\"t m0 x1ed h9c y6b6c ff1 fs5e fc3 sc0 ls39 ws3b\">225<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2058 y6b6f w689 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">1,329<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2059 y6b6f wf4b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">64<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x205a y6b6f wf59 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">1,618<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n x16cf y6b6f w93f h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">1,296<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x205b y6b6f w4a6 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">1,296<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x205c y6b6f wf5b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(5)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x205d y6b6f wf5c h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(4)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x205e y6b6f wf51 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(9)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x205f y6b6f wf50 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(33)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2060 y6b6f wf5d h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(102)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1db5 y6b6f wf51 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(9)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2061 y6b6f wf5e h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(144)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2062 y6b6f wf53 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(1,157)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2063 y6b6f wd8b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(1,157)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb8f y6b6f wf5f h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(5.9)%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x221 hc6 y6bb5 ff1 fs5e fc3 sc0 ls39 ws0\">Non Corporate </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y6ba4 wf54 h21e\"><div class=\"t m0 x1ed h9c y6b6c ff1 fs5e fc3 sc0 ls39 ws3b\">Lending<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d5f y6ba4 wfd0 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">4,526<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2064 y6ba4 wf62 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">2,730<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2065 y6ba4 w1045 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">7,256<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2066 y6ba4 wf64 h21e\"><div class=\"t m0 x1ed h9c y6b6c ff1 fs5e fc3 sc0 ls0 ws0\">4<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2067 y6ba4 wf65 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">206<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2068 y6ba4 wf66 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2069 y6ba4 wf67 h21e\"><div class=\"t m0 x1ed h9c y6b6c ff1 fs5e fc3 sc0 ls39 ws3b\">210<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n x206a y6ba4 wf68 h21e\"><div class=\"t m0 x1ed h9c y6b6c ff1 fs5e fc3 sc0 ls39 ws3b\">12<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x206b y6ba4 wf68 h21e\"><div class=\"t m0 x1ed h9c y6b6c ff1 fs5e fc3 sc0 ls39 ws3b\">12<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x206c y6ba4 wf6a h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(1)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x206d y6ba4 wfbc h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(3)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x206e y6ba4 wf5c h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(4)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x206f y6ba4 wf6c h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x686 y6ba4 wf5b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(5)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d11 y6ba4 wf6c h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2070 y6ba4 wf5b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(5)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x170e y6ba4 wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2071 y6ba4 wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15e5 y6ba4 wf6d h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(0.1)%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6b75 wf6e h21e\"><div class=\"t m0 x1ed h9c y6b6c ff1 fs5e fc3 sc0 ls39 ws3b\">Banks<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2072 y6b75 w1046 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">11,887<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2073 y6b75 wf70 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">3,169<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2074 y6b75 w1047 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">15,056<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2075 y6b75 wf71 h21e\"><div class=\"t m0 x1ed h9c y6b6c ff1 fs5e fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2076 y6b75 wf72 h21e\"><div class=\"t m0 x1ed h9c y6b6c ff1 fs5e fc3 sc0 ls0 ws0\">4<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1edb y6b75 wf66 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2077 y6b75 wf73 h21e\"><div class=\"t m0 x1ed h9c y6b6c ff1 fs5e fc3 sc0 ls0 ws0\">5<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n x2078 y6b75 wf66 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2079 y6b75 wf66 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x207a y6b75 wf74 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(2)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x207b y6b75 wf6a h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(1)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x207c y6b75 w67a h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(3)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x207d y6b75 wf6c h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x207e y6b75 wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x207f y6b75 wf6c h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2080 y6b75 wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2081 y6b75 wf6c h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2082 y6b75 wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1a16 y6b75 wf92 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(0.0)%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6b76 wf77 h205\"><div class=\"t m0 x1ed h9c y6b6c ff2 fs5e fc3 sc0 ls39 ws3b\">Singapore<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2083 y6b76 w1048 h21e\"><div class=\"t m0 x1ed h9c y6b6c ff1 fs5e fc3 sc0 ls39 ws3b\">34,114<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2084 y6b76 w1049 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">8,762<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2085 y6b76 wa0f h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">42,876<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2086 y6b76 w104a h21e\"><div class=\"t m0 x1ed h9c y6b6c ff1 fs5e fc3 sc0 ls39 ws3b\">500<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2087 y6b76 w104b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">1,019<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2088 y6b76 wf7c h21e\"><div class=\"t m0 x1ed h9c y6b6c ff1 fs5e fc3 sc0 ls39 ws3b\">35<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2089 y6b76 w104c h21e\"><div class=\"t m0 x1ed h9c y6b6c ff1 fs5e fc3 sc0 ls39 ws3b\">1,554<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n x208a y6b76 w104d h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">337<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x208b y6b76 w104d h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">337<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x208c y6b76 wf66 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x204e y6b76 w1043 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(8)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x208d y6b76 wf4e h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(8)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x208e y6b76 wf5c h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(4)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x208f y6b76 wf8a h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(14)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2090 y6b76 wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2091 y6b76 wf81 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(18)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2092 y6b76 wf82 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(196)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2093 y6b76 wf82 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(196)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2094 y6b76 wf83 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(0.5)%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x221 hc6 y6bb6 ff1 fs5e fc3 sc0 ls39 ws3b\">Corporate </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y6b78 wf54 h21e\"><div class=\"t m0 x1ed h9c y6b6c ff1 fs5e fc3 sc0 ls39 ws3b\">Lending<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2095 y6b78 w104e h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">9,545<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2096 y6b78 w100f h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">4,457<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2085 y6b78 w6b4 h21e\"><div class=\"t m0 x1ed h9c y6b6c ff1 fs5e fc3 sc0 ls39 ws3b\">14,002<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2097 y6b78 w1cc h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">469<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2098 y6b78 w104f h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">658<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2099 y6b78 wf7c h21e\"><div class=\"t m0 x1ed h9c y6b6c ff1 fs5e fc3 sc0 ls39 ws3b\">35<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x209a y6b78 w1050 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">1,162<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n x209b y6b78 w1051 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">265<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x209c y6b78 w1051 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">265<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x209d y6b78 wf66 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x209e y6b78 wf89 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(6)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d0e y6b78 wf89 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(6)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x209f y6b78 wf5c h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(4)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x20a0 y6b78 wf8a h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(14)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x20a1 y6b78 wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x20a2 y6b78 w1052 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(18)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x20a3 y6b78 wf8b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(195)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x20a4 y6b78 wf8b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(195)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x20a5 y6b78 w1053 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(1.4)%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x221 hc6 y6bb7 ff1 fs5e fc3 sc0 ls39 ws0\">Non Corporate </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y6b7d wf54 h21e\"><div class=\"t m0 x1ed h9c y6b6c ff1 fs5e fc3 sc0 ls39 ws3b\">Lending<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f8a y6b7d w1054 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">20,156<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x20a6 y6b7d w1055 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">1,091<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x20a7 y6b7d w9f6 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">21,247<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x20a8 y6b7d wfcb h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">29<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1dac y6b7d wf90 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">358<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x20a9 y6b7d wf66 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x20aa y6b7d w1056 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">387<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n x20ab y6b7d wf66 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x20ac y6b7d wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f36 y6b7d wf66 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x591 y6b7d wf6a h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(1)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x20ad y6b7d wf6a h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(1)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x20ae y6b7d wf6c h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x20af y6b7d wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x20b0 y6b7d wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2b4 y6b7d wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x20b1 y6b7d wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x20b2 y6b7d wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x20b3 y6b7d wf76 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(0.0)%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6b7e wf6e h21e\"><div class=\"t m0 x1ed h9c y6b6c ff1 fs5e fc3 sc0 ls39 ws3b\">Banks<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x20b4 y6b7e w1057 h21e\"><div class=\"t m0 x1ed h9c y6b6c ff1 fs5e fc3 sc0 ls39 ws3b\">4,413<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x20b5 y6b7e w1058 h21e\"><div class=\"t m0 x1ed h9c y6b6c ff1 fs5e fc3 sc0 ls39 ws3b\">3,214<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x20b6 y6b7e wf63 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">7,627<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1fe3 y6b7e wfc7 h21e\"><div class=\"t m0 x1ed h9c y6b6c ff1 fs5e fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x20b7 y6b7e wf95 h21e\"><div class=\"t m0 x1ed h9c y6b6c ff1 fs5e fc3 sc0 ls0 ws0\">3<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x20b8 y6b7e wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x20b9 y6b7e wf73 h21e\"><div class=\"t m0 x1ed h9c y6b6c ff1 fs5e fc3 sc0 ls0 ws0\">5<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n x20ba y6b7e wf96 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">72<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x20bb y6b7e wf96 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">72<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x20bc y6b7e wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x20bd y6b7e wf75 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(1)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x20be y6b7e wf6a h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(1)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x206f y6b7e wf6c h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x20bf y6b7e wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x20c0 y6b7e wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x20c1 y6b7e wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x20c2 y6b7e wf6a h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(1)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x20c3 y6b7e wf6a h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(1)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x20c4 y6b7e wf92 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(0.0)%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6b7f wf97 h205\"><div class=\"t m0 x1ed h9c y6b6c ff5 fs5e fc3 sc0 ls39 ws3b\">China<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x20c5 y6b7f w9f9 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">10,370<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x20c6 y6b7f w196 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">2,744<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x20c7 y6b7f w1059 h21e\"><div class=\"t m0 x1ed h9c y6b6c ff1 fs5e fc3 sc0 ls39 ws3b\">13,114<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x20c8 y6b7f wf4b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">49<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x20c9 y6b7f w105a h21e\"><div class=\"t m0 x1ed h9c y6b6c ff1 fs5e fc3 sc0 ls39 ws3b\">133<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x20ca y6b7f wf9d h21e\"><div class=\"t m0 x1ed h9c y6b6c ff1 fs5e fc3 sc0 ls39 ws3b\">14<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x20cb y6b7f wf9e h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">196<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n x20cc y6b7f wf9f h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">171<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x20cd y6b7f wfa0 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">171<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x20ce y6b7f w67a h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(3)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x20cf y6b7f wf6a h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(1)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x20d0 y6b7f wf5c h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(4)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x20d1 y6b7f wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x20d2 y6b7f wf6c h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e6d y6b7f wf6c h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x20d3 y6b7f wf6c h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x20d4 y6b7f wfa1 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(86)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x20d5 y6b7f wfa1 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(86)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b59 y6b7f wfa2 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(0.7)%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x221 hc6 y6bb8 ff1 fs5e fc3 sc0 ls39 ws3b\">Corporate </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y6b81 wf54 h21e\"><div class=\"t m0 x1ed h9c y6b6c ff1 fs5e fc3 sc0 ls39 ws3b\">Lending<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2095 y6b81 w398 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">4,934<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x20d6 y6b81 w1058 h21e\"><div class=\"t m0 x1ed h9c y6b6c ff1 fs5e fc3 sc0 ls39 ws3b\">2,143<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x20d7 y6b81 w508 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">7,077<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x20d8 y6b81 wf9b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">49<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x20d9 y6b81 wf9c h21e\"><div class=\"t m0 x1ed h9c y6b6c ff1 fs5e fc3 sc0 ls39 ws3b\">133<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x20da y6b81 wf9d h21e\"><div class=\"t m0 x1ed h9c y6b6c ff1 fs5e fc3 sc0 ls39 ws3b\">14<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x20db y6b81 wf9e h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">196<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n x20dc y6b81 w105b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">168<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x20dd y6b81 wfa5 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">168<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x20de y6b81 wf6a h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(1)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x20df y6b81 w105c h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(1)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x20e0 y6b81 wf74 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(2)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x20e1 y6b81 wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x20e2 y6b81 wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x20e3 y6b81 wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x20e4 y6b81 wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x20e5 y6b81 wfa6 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(83)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x20e6 y6b81 wfa6 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(83)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x20e7 y6b81 w105d h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(1.1)%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x221 hc6 y6bb9 ff1 fs5e fc3 sc0 ls39 ws0\">Non Corporate </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y6b84 wf54 h21e\"><div class=\"t m0 x1ed h9c y6b6c ff1 fs5e fc3 sc0 ls39 ws3b\">Lending<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x20e8 y6b84 wfa8 h21e\"><div class=\"t m0 x1ed h9c y6b6c ff1 fs5e fc3 sc0 ls39 ws3b\">3,241<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x20e9 y6b84 wfa9 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">363<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x20ea y6b84 wfaa h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">3,604<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x20eb y6b84 wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x20ec y6b84 wf66 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x20ed y6b84 wf66 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x20ee y6b84 wf66 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n x20ef y6b84 wf66 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x20f0 y6b84 wf66 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x20f1 y6b84 wf6a h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(1)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x20f2 y6b84 wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x20f3 y6b84 wf6a h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(1)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1fdb y6b84 wf6c h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1fdc y6b84 wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d6d y6b84 wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d6e y6b84 wf6c h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1fdd y6b84 wf6c h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1fde y6b84 wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x20f4 y6b84 wf76 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(0.0)%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6b85 wf6e h21e\"><div class=\"t m0 x1ed h9c y6b6c ff1 fs5e fc3 sc0 ls39 ws3b\">Banks<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ed7 y6b85 w105e h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">2,195<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x20f5 y6b85 wfac h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">238<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x20f6 y6b85 w105f h21e\"><div class=\"t m0 x1ed h9c y6b6c ff1 fs5e fc3 sc0 ls39 ws3b\">2,433<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x20f7 y6b85 wf66 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x20f8 y6b85 wf66 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xea3 y6b85 wf66 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x20f9 y6b85 wf66 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n x20fa y6b85 wf95 h21e\"><div class=\"t m0 x1ed h9c y6b6c ff1 fs5e fc3 sc0 ls0 ws0\">3<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x20fb y6b85 wf95 h21e\"><div class=\"t m0 x1ed h9c y6b6c ff1 fs5e fc3 sc0 ls0 ws0\">3<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x20fc y6b85 wf6a h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(1)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x20fd y6b85 wf66 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xd8a y6b85 wf6a h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(1)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x20fe y6b85 wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x20ff y6b85 wf6c h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x144b y6b85 wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2100 y6b85 wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2101 y6b85 w67a h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(3)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2102 y6b85 w67a h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(3)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2103 y6b85 w661 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(0.2)%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6b86 wfaf h205\"><div class=\"t m0 x1ed h9c y6b6c ff2 fs5e fc3 sc0 ls39 ws3b\">UK<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2104 y6b86 w1060 h21e\"><div class=\"t m0 x1ed h9c y6b6c ff1 fs5e fc3 sc0 ls39 ws3b\">21,555<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2105 y6b86 w3f2 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">5,985<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e74 y6b86 w776 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">27,540<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2106 y6b86 w1061 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">48<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2107 y6b86 w1062 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">1,940<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2108 y6b86 w1063 h21e\"><div class=\"t m0 x1ed h9c y6b6c ff1 fs5e fc3 sc0 ls39 ws3b\">141<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2109 y6b86 wff3 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">2,129<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n x210a y6b86 wf8d h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">756<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x210b y6b86 w1064 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">756<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x210c y6b86 w1065 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(10)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x210d y6b86 wf5c h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(4)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x210e y6b86 wf8a h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(14)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x210f y6b86 wf6b h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2110 y6b86 wfb5 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(27)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2111 y6b86 wf51 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(6)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2112 y6b86 wf50 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(33)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2113 y6b86 w1c7 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(258)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2114 y6b86 w1c7 h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(258)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2115 y6b86 wf6d h205\"><div class=\"t m0 x1ed h9c y6b6c ff4 fs5e fc3 sc0 ls39 ws3b\">(1.0)%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x221 hc6 y6bba ff1 fs5e fc3 sc0 ls39 ws3b\">Corporate </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y6b88 wf54 h251\"><div class=\"t m0 x1ed h9c y6b7c ff1 fs5e fc3 sc0 ls39 ws3b\">Lending<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2116 y6b88 w1066 h251\"><div class=\"t m0 x1ed h9c y6b7c ff1 fs5e fc3 sc0 ls39 ws3b\">2,331<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2117 y6b88 w102a h2c6\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">2,082<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2118 y6b88 w1057 h251\"><div class=\"t m0 x1ed h9c y6b7c ff1 fs5e fc3 sc0 ls39 ws3b\">4,413<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2119 y6b88 w1067 h2c6\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">47<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x211a y6b88 w1068 h251\"><div class=\"t m0 x1ed h9c y6b7c ff1 fs5e fc3 sc0 ls39 ws3b\">1,433<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2088 y6b88 wf96 h2c6\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">27<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x211b y6b88 w1069 h2c6\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">1,507<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n x211c y6b88 w106a h2c6\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">658<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x5e4 y6b88 w104f h2c6\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">658<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x211d y6b88 wfbb h2c6\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(9)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x211e y6b88 w67a h2c6\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(3)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x211f y6b88 w106b h2c6\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(12)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1fba y6b88 wf6b h2c6\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2120 y6b88 w106c h2c6\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(27)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2121 y6b88 wf51 h2c6\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(6)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2122 y6b88 wf50 h2c6\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(33)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2123 y6b88 w106d h2c6\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(237)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2124 y6b88 wfbe h2c6\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(237)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2125 y6b88 w106e h2c6\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(4.3)%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x221 hc6 y6bbb ff1 fs5e fc3 sc0 ls39 ws0\">Non Corporate </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y6b8b wf54 h251\"><div class=\"t m0 x1ed h9c y6b7c ff1 fs5e fc3 sc0 ls39 ws3b\">Lending<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2126 y6b8b w106f h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">17,040<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2127 y6b8b w1070 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">1,753<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2128 y6b8b w1071 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">18,793<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2129 y6b8b wf71 h251\"><div class=\"t m0 x1ed h9c y6b7c ff1 fs5e fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x212a y6b8b w1038 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">507<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x212b y6b8b w1072 h251\"><div class=\"t m0 x1ed h9c y6b7c ff1 fs5e fc3 sc0 ls39 ws3b\">112<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x212c y6b8b wf65 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">620<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n x212d y6b8b w1073 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">97<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x212e y6b8b wfd8 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">97<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x212f y6b8b wf6a h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(1)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2130 y6b8b wf6a h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(1)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2131 y6b8b wf74 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(2)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2132 y6b8b wf6c h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2133 y6b8b wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2134 y6b8b wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2135 y6b8b wf6c h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2136 y6b8b w106b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(21)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2137 y6b8b wfbd h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(21)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2138 y6b8b wf6d h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(0.1)%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6b8c wf6e h251\"><div class=\"t m0 x1ed h9c y6b7c ff1 fs5e fc3 sc0 ls39 ws3b\">Banks<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1ed7 y6b8c w1074 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">2,184<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2139 y6b8c w1075 h251\"><div class=\"t m0 x1ed h9c y6b7c ff1 fs5e fc3 sc0 ls39 ws3b\">2,150<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x213a y6b8c w1076 h251\"><div class=\"t m0 x1ed h9c y6b7c ff1 fs5e fc3 sc0 ls39 ws3b\">4,334<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x213b y6b8c wf66 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x213c y6b8c wf66 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x213d y6b8c wfc7 h251\"><div class=\"t m0 x1ed h9c y6b7c ff1 fs5e fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x213e y6b8c wf94 h251\"><div class=\"t m0 x1ed h9c y6b7c ff1 fs5e fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n x213f y6b8c wf71 h251\"><div class=\"t m0 x1ed h9c y6b7c ff1 fs5e fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2140 y6b8c wf71 h251\"><div class=\"t m0 x1ed h9c y6b7c ff1 fs5e fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2141 y6b8c wf66 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2142 y6b8c wf66 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2143 y6b8c wf6c h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2144 y6b8c wf6c h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2145 y6b8c wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2146 y6b8c wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x9af y6b8c wf6c h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2147 y6b8c wf6c h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2148 y6b8c wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2149 y6b8c wf92 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(0.0)%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6b8d wfc8 h205\"><div class=\"t m0 x1ed h9c y6b7c ff2 fs5e fc3 sc0 ls39 ws3b\">US<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1de0 y6b8d w1077 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">15,707<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x214a y6b8d w1078 h251\"><div class=\"t m0 x1ed h9c y6b7c ff1 fs5e fc3 sc0 ls39 ws3b\">4,400<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x214b y6b8d w1079 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">20,107<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x214c y6b8d wf8f h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">92<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x214d y6b8d wfcc h251\"><div class=\"t m0 x1ed h9c y6b7c ff1 fs5e fc3 sc0 ls39 ws3b\">433<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x214e y6b8d wfcd h251\"><div class=\"t m0 x1ed h9c y6b7c ff1 fs5e fc3 sc0 ls39 ws3b\">33<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x214f y6b8d w107a h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">558<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n x2150 y6b8d wf64 h251\"><div class=\"t m0 x1ed h9c y6b7c ff1 fs5e fc3 sc0 ls0 ws0\">4<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2151 y6b8d wf64 h251\"><div class=\"t m0 x1ed h9c y6b7c ff1 fs5e fc3 sc0 ls0 ws0\">4<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x211d y6b8d wfcf h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(4)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2152 y6b8d wf6a h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(1)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1cd7 y6b8d wf5b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(5)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2153 y6b8d wf6a h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(1)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2154 y6b8d wf6a h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(1)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f2d y6b8d wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2155 y6b8d wf74 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(2)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2156 y6b8d w67a h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(3)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2157 y6b8d w67a h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(3)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1a16 y6b8d wf92 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(0.0)%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x221 hc6 y6bbc ff1 fs5e fc3 sc0 ls39 ws3b\">Corporate </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y6b8f wf54 h251\"><div class=\"t m0 x1ed h9c y6b7c ff1 fs5e fc3 sc0 ls39 ws3b\">Lending<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2158 y6b8f w107b h251\"><div class=\"t m0 x1ed h9c y6b7c ff1 fs5e fc3 sc0 ls39 ws3b\">5,334<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2159 y6b8f w107c h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">2,705<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x215a y6b8f w107d h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">8,039<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x215b y6b8f w107e h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">77<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x215c y6b8f wfd2 h251\"><div class=\"t m0 x1ed h9c y6b7c ff1 fs5e fc3 sc0 ls39 ws3b\">322<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1eed y6b8f wf66 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x215d y6b8f wf7b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">399<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n x215e y6b8f wf71 h251\"><div class=\"t m0 x1ed h9c y6b7c ff1 fs5e fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x215f y6b8f wfc1 h251\"><div class=\"t m0 x1ed h9c y6b7c ff1 fs5e fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2160 y6b8f w67a h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(3)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x20df y6b8f w105c h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(1)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2161 y6b8f wf7f h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(4)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2162 y6b8f wf6a h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(1)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2163 y6b8f wf6a h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(1)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2164 y6b8f wf6c h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2165 y6b8f wf74 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(2)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1b28 y6b8f wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d01 y6b8f wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2166 y6b8f wf6d h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(0.1)%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x221 hc6 y6bbd ff1 fs5e fc3 sc0 ls39 ws0\">Non Corporate </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y6b92 wf54 h251\"><div class=\"t m0 x1ed h9c y6b7c ff1 fs5e fc3 sc0 ls39 ws3b\">Lending<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2095 y6b92 wfd5 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">9,688<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2167 y6b92 wfd6 h251\"><div class=\"t m0 x1ed h9c y6b7c ff1 fs5e fc3 sc0 ls39 ws3b\">123<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2168 y6b92 wf59 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">9,811<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2169 y6b92 w107f h251\"><div class=\"t m0 x1ed h9c y6b7c ff1 fs5e fc3 sc0 ls39 ws3b\">15<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x216a y6b92 wfd8 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">79<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x216b y6b92 wf66 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x216c y6b92 wf4b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">94<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n x216d y6b92 wf95 h251\"><div class=\"t m0 x1ed h9c y6b7c ff1 fs5e fc3 sc0 ls0 ws0\">3<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x216e y6b92 wf95 h251\"><div class=\"t m0 x1ed h9c y6b7c ff1 fs5e fc3 sc0 ls0 ws0\">3<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x216f y6b92 wf6a h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(1)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2170 y6b92 wf66 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2171 y6b92 wf6a h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(1)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2172 y6b92 wf6c h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2173 y6b92 wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2174 y6b92 wf6c h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2175 y6b92 wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2176 y6b92 w67a h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(3)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2177 y6b92 w67a h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(3)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2178 y6b92 wf92 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(0.0)%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6b93 wf6e h251\"><div class=\"t m0 x1ed h9c y6b7c ff1 fs5e fc3 sc0 ls39 ws3b\">Banks<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2179 y6b93 w106a h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">685<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x217a y6b93 wfda h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">1,572<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x217b y6b93 wf56 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">2,257<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x217c y6b93 wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x217d y6b93 wfdb h251\"><div class=\"t m0 x1ed h9c y6b7c ff1 fs5e fc3 sc0 ls39 ws3b\">32<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e1b y6b93 wfcd h251\"><div class=\"t m0 x1ed h9c y6b7c ff1 fs5e fc3 sc0 ls39 ws3b\">33<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x217e y6b93 wfdc h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">65<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n x217f y6b93 wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2180 y6b93 wf66 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2181 y6b93 wf66 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2182 y6b93 wf66 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2183 y6b93 wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2184 y6b93 wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2185 y6b93 wf6c h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2186 y6b93 wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2187 y6b93 wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2188 y6b93 wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x13bd y6b93 wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2189 y6b93 wf76 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(0.0)%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6b94 wfdd h205\"><div class=\"t m0 x1ed h9c y6b7c ff5 fs5e fc3 sc0 ls39 ws3b\">Others<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e29 y6b94 w9ed h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">32,116<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x218a y6b94 w65f h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">16,437<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x218b y6b94 w1080 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">48,553<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x218c y6b94 we88 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">318<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x218d y6b94 wfa4 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">1,726<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x218e y6b94 wfa5 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">681<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x218f y6b94 wf56 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">2,725<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n x2190 y6b94 w1081 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">2,081<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2191 y6b94 w1081 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">2,081<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2192 y6b94 wfb4 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(10)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2193 y6b94 wf50 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(33)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2194 y6b94 wfe4 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(43)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2195 y6b94 w67a h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(3)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2196 y6b94 wfe5 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(70)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2197 y6b94 w1082 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(29)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2198 y6b94 wfe6 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(102)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2199 y6b94 wfe8 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(1,483)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x219a y6b94 wfe8 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(1,483)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x219b y6b94 wff6 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(3.1)%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x221 hc6 y6bbe ff1 fs5e fc3 sc0 ls39 ws3b\">Corporate </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y6b96 wf54 h251\"><div class=\"t m0 x1ed h9c y6b7c ff1 fs5e fc3 sc0 ls39 ws3b\">Lending<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1f8a y6b96 w180 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">21,909<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x219c y6b96 wfc5 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">12,516<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x219d y6b96 w1083 h251\"><div class=\"t m0 x1ed h9c y6b7c ff1 fs5e fc3 sc0 ls39 ws3b\">34,425<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x219e y6b96 wfec h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">291<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x219f y6b96 w1084 h251\"><div class=\"t m0 x1ed h9c y6b7c ff1 fs5e fc3 sc0 ls39 ws3b\">1,030<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x21a0 y6b96 w1085 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">490<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x21a1 y6b96 w1086 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">1,811<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n x21a2 y6b96 w1022 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">1,883<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x17e1 y6b96 w1022 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">1,883<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x21a3 y6b96 wf89 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(6)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x21a4 y6b96 weab h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(26)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x21a5 y6b96 wcc2 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(32)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x21a6 y6b96 w67a h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(3)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x21a7 y6b96 wfa6 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(38)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x21a8 y6b96 w47e h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(28)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x21a9 y6b96 wfee h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(69)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x21aa y6b96 w6c7 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(1,333)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x21ab y6b96 w6c7 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(1,333)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x198d y6b96 w1087 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(3.8)%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x221 hc6 y6bbf ff1 fs5e fc3 sc0 ls39 ws0\">Non Corporate </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y6b99 wf54 h251\"><div class=\"t m0 x1ed h9c y6b7c ff1 fs5e fc3 sc0 ls39 ws3b\">Lending<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1da8 y6b99 w1088 h251\"><div class=\"t m0 x1ed h9c y6b7c ff1 fs5e fc3 sc0 ls39 ws3b\">332<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x21ac y6b99 w1089 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">2,296<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x21ad y6b99 w108a h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">2,628<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x21ae y6b99 wfc2 h251\"><div class=\"t m0 x1ed h9c y6b7c ff1 fs5e fc3 sc0 ls39 ws3b\">22<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x21af y6b99 w108b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">610<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x21b0 y6b99 wf9d h251\"><div class=\"t m0 x1ed h9c y6b7c ff1 fs5e fc3 sc0 ls39 ws3b\">41<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x21b1 y6b99 wf57 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">673<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n x21b2 y6b99 w108c h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">191<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x21b3 y6b99 w108c h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">191<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x21b4 y6b99 wf66 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x21b5 y6b99 wf89 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(6)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x21b6 y6b99 wf51 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(6)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1da3 y6b99 wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x21b7 y6b99 wff4 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(31)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x21b8 y6b99 wf6a h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(1)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x21b9 y6b99 wcc2 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(32)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x16e5 y6b99 wff5 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(149)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x21ba y6b99 wff5 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(149)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x21bb y6b99 w143 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(5.4)%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6b9a wf6e h251\"><div class=\"t m0 x1ed h9c y6b7c ff1 fs5e fc3 sc0 ls39 ws3b\">Banks<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e61 y6b9a w108a h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">9,875<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x21bc y6b9a w105e h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">1,625<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x21bd y6b9a w108d h251\"><div class=\"t m0 x1ed h9c y6b7c ff1 fs5e fc3 sc0 ls39 ws3b\">11,500<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x12ba y6b9a wf73 h251\"><div class=\"t m0 x1ed h9c y6b7c ff1 fs5e fc3 sc0 ls0 ws0\">5<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x21be y6b9a wff9 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">86<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x21bf y6b9a wffa h251\"><div class=\"t m0 x1ed h9c y6b7c ff1 fs5e fc3 sc0 ls39 ws3b\">150<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x21c0 y6b9a wffb h251\"><div class=\"t m0 x1ed h9c y6b7c ff1 fs5e fc3 sc0 ls39 ws3b\">241<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n x21c1 y6b9a wffc h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">7<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x20ac y6b9a w108e h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">7<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x21c2 y6b9a wf5c h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(4)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d45 y6b9a wf6a h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(1)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x21c3 y6b9a wf5b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(5)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1d58 y6b9a wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x21c4 y6b9a wf6a h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(1)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x21c5 y6b9a wf6b h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x21c6 y6b9a wf6a h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(1)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x21c7 y6b9a wf6a h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(1)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x21c8 y6b9a wf6a h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(1)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x21c9 y6b9a wf6d h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(0.1)%<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6567 wffd h205\"><div class=\"t m0 x1ed h9c y6b7c ff5 fs5e fc3 sc0 ls39 ws3b\">Total<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e72 y6567 wffe h251\"><div class=\"t m0 x1ed h9c y6b7c ff1 fs5e fc3 sc0 ls39 ws3b\">143,505<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x21ca y6567 wded h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">50,407<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x21cb y6567 w1000 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">193,912<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x21cc y6567 w1001 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">1,237<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x21cd y6567 w108f h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">6,790<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x21ce y6567 w1090 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">968<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x21cf y6567 w1091 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">8,995<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n x21d0 y6567 wf61 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">4,657<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbb3 y6567 wf61 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">4,657<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x21d1 y6567 w6cd h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(35)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x21d2 y6567 w6ea h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(55)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x21d3 y6567 w1092 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(90)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x21d4 y6567 wf8a h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(41)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x21d5 y6567 w1093 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(219)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x21d6 y6567 w888 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(44)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x21d7 y6567 w1094 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(304)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x525 y6567 w1095 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(3,183)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x21d8 y6567 w1095 h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(3,183)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x21d9 y6567 wdba h205\"><div class=\"t m0 x1ed h9c y6b7c ff4 fs5e fc3 sc0 ls39 ws3b\">(1.7)%<span class=\"_ _3eb\"> </span></div></td></tr></table></div><div class=\"t m0 hb ff1 fs7 fc3 sc0 ls7 ws7 gs9fa\">1 <span class=\"_ _b\"> </span><span class=\"ff4\">Refer to the equivalent table on page 244 of the Risk Review section.<span class=\"_ _3eb\"> </span></span></div><div class=\"t m0 hf ff8 fsb fc2 sc0 lsb ws9 gs9fc\">Industry analysis of <span class=\"_ _1b\"></span>loans and advances by <span class=\"_ _7\"></span>key geography \u2013 <span class=\"_ _1b\"></span>Corporate &amp; Investment </div><div class=\"t m0 hf ff8 fsb fc2 sc0 lsb ws9 gs9fd\">Banking and Central <span class=\"_ _1b\"></span>&amp; other items (page <span class=\"_ _7\"></span>260)<span class=\"_ _3eb\"> </span></div><div class=\"t m0 hc ff6 fs8 fc2 sc0 ls8 ws0 gs9fe\">Published table as of 31 December 2024 (Corporate &amp; Investment Banking)<span class=\"_ _3eb\"> </span></div><div class=\"gs9ff\"><table class=\"s w1096 h2c7\" id=\"_ec5f7e4d-8ad1-462c-8ab6-39b006196bbb\"><tr><td></td><td></td><td></td><td></td><td class=\"t m0 x6ba h39 y6bc0 ff1 fs17 fc3 sc0 ls21 ws20\">2024<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"t m0 x21da h39 y6bc1 ff1 fs17 fc3 sc0 ls21 ws0\">Hong Kong<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x17c1 h39 y6bc1 ff1 fs17 fc3 sc0 ls21 ws20\">China<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x667 h39 y6bc1 ff1 fs17 fc3 sc0 ls21 ws20\">Singapore </td><td class=\"t m0 x21db h39 y6bc1 ff1 fs17 fc3 sc0 ls21 ws20\">UK<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x14b8 h39 y6bc1 ff1 fs17 fc3 sc0 ls21 ws20\">US<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x674 h39 y6bc1 ff1 fs17 fc3 sc0 ls21 ws20\">Other<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x6cb h39 y6bc1 ff1 fs17 fc3 sc0 ls21 ws20\">Total<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"t m0 x235 h39 y6bc2 ff1 fs17 fc3 sc0 ls21 ws0\">Amortised Cost<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x4bc h2c y6bc2 ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x4bd h2c y6bc2 ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x4be h2c y6bc2 ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x4bf h2c y6bc2 ff4 fs17 fc3 sc0 ls21 ws20\">$million </td><td class=\"t m0 x4c0 h2c y6bc2 ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x6bb h2c y6bc2 ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x234 h2c y6bc2 ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"t m0 x235 h8 y6bc3 ff5 fs5 fc3 sc0 ls5 ws5\">Industry:<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y658b w1097 h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">Energy<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x21dc y658b w1098 h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">2,200<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x21dd y658b w1e6 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">59<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x18a6 y658b wb5a h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">1,552<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x21de y658b w211 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">1,744<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x21df y658b wb53 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">1,750<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x21e0 y658b w1099 h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">5,551<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x21e1 y658b w109a h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">12,856<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y655a w109b h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">Manufacturing<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x21e2 y655a w109c h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">4,077<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x21e3 y655a w6d7 h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">4,200<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x21e4 y655a w29a h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">1,463<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x21e5 y655a w109d h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">389<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x21e6 y655a w2c8 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">2,307<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1571 y655a w43c h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">8,431<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x21e7 y655a w2ec h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">20,867<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y655b w109e h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Financing, insurance and non\u2013banking<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x21e8 y655b w82e h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">3,674<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x21e9 y655b w346 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">3,486<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x21ea y655b w329 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">1,893<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1fa7 y655b w109f h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">4,005<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x21eb y655b w10a0 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">9,900<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x21ec y655b w5d3 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">12,696<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x21ed y655b w10a1 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">35,654<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y655c w10a2 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Transport, telecom and utilities<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x21ee y655c wc9 h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">5,131<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x21ef y655c w11b h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">662<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x21f0 y655c wa63 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">3,106<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x21f1 y655c w4f h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">1,084<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x21f2 y655c wd8 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">936<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x21f3 y655c w4cf h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">7,685<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x21f4 y655c w10a3 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">18,604<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y655d w10a4 h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Food and household products<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x21f5 y655d w35b h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">1,038<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x21f6 y655d w10a5 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">428<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x21f7 y655d w10a6 h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">1,414<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x116c y655d w395 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">962<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x21f8 y655d w37d h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">685<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x21f9 y655d w69e h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">4,202<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x21fa y655d w499 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">8,729<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6573 w10a7 h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Commercial Real estate<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x21fb y6573 w5bb h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">4,512<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x21fc y6573 w2bf h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">334<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x21fd y6573 we0 h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">1,404<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x21fe y6573 wa63 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">1,039<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x21ff y6573 w2a9 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">1,650<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2200 y6573 w10a8 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">4,994<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2201 y6573 w10a9 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">13,933<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6574 w10aa h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Mining and Quarrying<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2202 y6574 w10ab h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">608<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2203 y6574 w998 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">606<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2204 y6574 w10ac h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">847<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2205 y6574 w10ad h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">1,426<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2206 y6574 w40e h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">224<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2207 y6574 web4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">2,170<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2208 y6574 web4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">5,881<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6560 w10ae h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Consumer durables<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2209 y6560 w10af h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">2,780<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x220a y6560 wee h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">293<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x220b y6560 wf00 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">466<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x220c y6560 w947 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">84<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x220d y6560 w50c h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">537<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x21f9 y6560 w10b0 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">2,046<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x220e y6560 w8bd h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">6,206<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6575 w10b1 h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">Construction<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x220f y6575 w288 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">318<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2210 y6575 w995 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">156<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2211 y6575 w1a6 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">372<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2212 y6575 w30f h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">96<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2213 y6575 wabc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">247<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2214 y6575 w3b0 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">1,268<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2215 y6575 wd1e h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">2,457<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y658d w10b2 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Trading Companies &amp; Distributors<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2216 y658d w1e6 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">95<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2217 y658d w26f h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">103<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2218 y658d w10b3 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">106<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2219 y658d wcf h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">31<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x221a y658d w38f h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">40<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x221b y658d w10b4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">277<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x221c y658d wa55 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">652<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6610 w10b5 h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">Government<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x221d y6610 w583 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">2,576<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x221e y6610 w628 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">117<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x8f0 y6610 wcbd h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">219<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x221f y6610 w4ce h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">169<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2220 y6610 w3c h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls0 ws0\">4<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2221 y6610 w512 h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">4,352<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2222 y6610 w4f h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">7,437<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6577 w413 h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">Other<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2223 y6577 w10b6 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">1,419<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e7b y6577 wfc0 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">563<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2224 y6577 w9cb h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">786<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2225 y6577 w67 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">377<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2226 y6577 w10b7 h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">233<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1a18 y6577 w2a9 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">1,650<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x13d7 y6577 w22f h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">5,028<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6566 w10b8 h203\"><div class=\"t m0 x1ed h1a y65de ff5 fs5 fc3 sc0 ls5 ws5\">Net Loans and advances to Customers<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2227 y6566 w10b9 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">28,428<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x92b y6566 w10ba h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">11,007<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1684 y6566 w392 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">13,628<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2184 y6566 w7c9 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">11,406<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2228 y6566 w2cc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">18,513<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x15ee y6566 w23e h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">55,322<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2229 y6566 w10bb h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">138,304<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6567 w10bc h203\"><div class=\"t m0 x1ed h1a y65de ff5 fs5 fc3 sc0 ls5 ws5\">Net Loans and advances to Banks<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x222a y6567 w3d h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">16,727<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x222b y6567 w10bd h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">2,443<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x222c y6567 w10be h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">7,721<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x222d y6567 wa74 h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">4,103<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x222e y6567 w10bf h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">2,766<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x50a y6567 w215 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">9,833<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x222f y6567 wca h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">43,593<span class=\"_ _3eb\"> </span></div></td></tr></table></div><div class=\"t m0 hc ff6 fs8 fc2 sc0 ls8 ws0 gsa00\">Adjustment table (Corporate &amp; Investment Banking and Central &amp; other items)<span class=\"_ _3eb\"> </span></div><div class=\"gsa01\"><table class=\"s w10c0 h2c7\" id=\"_2fd422de-5aaa-4858-9dca-8a8be17c85a9\"><tr><td></td><td></td><td></td><td></td><td class=\"t m0 x6ba h39 y6bc4 ff1 fs17 fc3 sc0 ls21 ws20\">2024<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"t m0 x21da h39 y6bc5 ff1 fs17 fc3 sc0 ls21 ws0\">Hong Kong<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x17c1 h39 y6bc5 ff1 fs17 fc3 sc0 ls21 ws20\">China<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x667 h39 y6bc5 ff1 fs17 fc3 sc0 ls21 ws20\">Singapore </td><td class=\"t m0 x21db h39 y6bc5 ff1 fs17 fc3 sc0 ls21 ws20\">UK<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x14b8 h39 y6bc5 ff1 fs17 fc3 sc0 ls21 ws20\">US<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x674 h39 y6bc5 ff1 fs17 fc3 sc0 ls21 ws20\">Other<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x6cb h39 y6bc5 ff1 fs17 fc3 sc0 ls21 ws20\">Total<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"t m0 x235 h39 y6bc6 ff1 fs17 fc3 sc0 ls21 ws0\">Amortised Cost<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x4bc h2c y6bc6 ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x4bd h2c y6bc6 ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x4be h2c y6bc6 ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x4bf h2c y6bc6 ff4 fs17 fc3 sc0 ls21 ws20\">$million </td><td class=\"t m0 x4c0 h2c y6bc6 ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x6bb h2c y6bc6 ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x234 h2c y6bc6 ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"t m0 x235 h8 y6bc7 ff5 fs5 fc3 sc0 ls5 ws5\">Industry:<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y6559 w1097 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">Energy<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2230 y6559 w10b6 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">1,164<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2231 y6559 wac h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(1)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2232 y6559 w10c1 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(1,537)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2233 y6559 wca h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(1,922)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2234 y6559 w1ee h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(21)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2235 y6559 w342 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">2,313<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2236 y6559 w982 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(4)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y655a w109b h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">Manufacturing<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2237 y655a w2bc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2238 y655a w2bc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2239 y655a w633 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(192)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x223a y655a w46 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(271)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x223b y655a w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x223c y655a w118 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">463<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1816 y655a w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y655b w109e h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Financing, insurance and non\u2013banking<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x223d y655b w5d8 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">41<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x223e y655b w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x223f y655b w76e h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(508)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2240 y655b w10c2 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(8,277)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2241 y655b w1cf h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2242 y655b w29a h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">8,718<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2243 y655b w4d7 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(26)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y655c w10a2 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Transport, telecom and utilities<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2244 y655c w2bc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x221e y655c w27b h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">50<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2245 y655c wa70 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(660)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2246 y655c w10c3 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(1,512)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2247 y655c w1e6 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">56<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2248 y655c w31a h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">2,060<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2249 y655c w4c8 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(6)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y655d w10a4 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Food and household products<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x224a y655d w2bc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x224b y655d w2bc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x841 y655d w408 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(58)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x224c y655d w2ba h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(189)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x224d y655d w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x224e y655d wabc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">247<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x224f y655d w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6573 w10a7 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Commercial Real estate<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2250 y6573 w2bc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2251 y6573 w2bc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2252 y6573 w10c4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(17)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2253 y6573 wa67 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(68)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2254 y6573 w5d2 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">75<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2255 y6573 w94 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">10<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2256 y6573 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6574 w10aa h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Mining and Quarrying<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2257 y6574 w2bc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2258 y6574 w2bc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2259 y6574 w46e h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(19)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x225a y6574 w8f6 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(218)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x225b y6574 w6c h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">10<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x225c y6574 w10c5 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">227<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x225d y6574 w1cf h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6646 w10ae h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Consumer durables<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x225e y6646 w2bc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x225f y6646 w2bc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2260 y6646 w9a3 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(38)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2261 y6646 wf1d h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(70)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2262 y6646 w1e6 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">56<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2263 y6646 w4be h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">51<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2264 y6646 wac h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(1)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6561 w10b1 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">Construction<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2265 y6561 w2bc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2266 y6561 w2bc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2267 y6561 w81 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(110)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2268 y6561 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2269 y6561 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x226a y6561 wae3 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">110<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xbe0 y6561 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6562 w10b2 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Trading Companies &amp; Distributors<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x226b y6562 w2bc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x226c y6562 w2bc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x4f8 y6562 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1443 y6562 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x226d y6562 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x226e y6562 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x11e0 y6562 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6610 w10b5 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">Government<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x226f y6610 w10c6 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(1,260)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2251 y6610 w2bc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2270 y6610 w10c7 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(20,047)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2271 y6610 w10c8 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(1,502)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2272 y6610 w1cf h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2273 y6610 w10c9 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">760<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2274 y6610 w10ca h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(22,049)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6577 w413 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">Other<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2275 y6577 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2276 y6577 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2277 y6577 wc9 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(30)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2278 y6577 w10cb h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(347)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2279 y6577 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x227a y6577 w1a6 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">372<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x227b y6577 w4db h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(5)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6566 w10b8 h203\"><div class=\"t m0 x1ed h1a y65de ff5 fs5 fc3 sc0 ls5 ws5\">Net Loans and advances to Customers<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x227c y6566 wdc0 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(55)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x227d y6566 w107a h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">49<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x227e y6566 w10cc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(23,216)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x227f y6566 w10cd h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(14,376)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2280 y6566 w63d h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">176<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2281 y6566 w10ce h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">15,331<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2282 y6566 w10cf h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(22,091)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6567 w10bc h203\"><div class=\"t m0 x1ed h1a y65de ff5 fs5 fc3 sc0 ls5 ws5\">Net Loans and advances to Banks<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2283 y6567 w10d0 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">1,669<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2284 y6567 w310 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">11<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2285 y6567 w10d1 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">20<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2286 y6567 w2cd h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(234)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2287 y6567 wb18 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">444<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2288 y6567 w10d2 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(1,910)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10f7 y6567 w1cf h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr></table></div><div class=\"t m0 hc ff6 fs8 fc2 sc0 ls8 ws0 gsa03\">Re\u2013presented table as of 31 December 2024 <span class=\"ls0\"> </span></div><div class=\"t m0 hc ff6 fs8 fc2 sc0 ls8 ws0 gsa04\">(Corporate &amp; Investment Banking and Central &amp; other items)<span class=\"_ _3eb\"> </span></div><div class=\"gsa05\"><table class=\"s wf25 h2c8\" id=\"_71361a3d-1315-4add-ab12-199fdcb15b86\"><tr><td></td><td></td><td></td><td></td><td class=\"c x228a y6bc8 w10d3 h257\"><div class=\"t m0 x1ed h39 y65c3 ff1 fs17 fc3 sc0 ls21 ws20\">2024</div><div class=\"t m0 x2289 h3a y664d ff1 fs19 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"t m0 xf3f h39 y6bc9 ff1 fs17 fc3 sc0 ls21 ws0\">Hong Kong<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1656 h39 y6bc9 ff1 fs17 fc3 sc0 ls21 ws20\">China<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1557 h39 y6bc9 ff1 fs17 fc3 sc0 ls21 ws20\">Singapore </td><td class=\"t m0 x8b9 h39 y6bc9 ff1 fs17 fc3 sc0 ls21 ws20\">UK<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x545 h39 y6bc9 ff1 fs17 fc3 sc0 ls21 ws20\">US<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x533 h39 y6bc9 ff1 fs17 fc3 sc0 ls21 ws20\">Other<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x60a h39 y6bc9 ff1 fs17 fc3 sc0 ls21 ws20\">Total<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"t m0 x221 h39 y6bca ff1 fs17 fc3 sc0 ls21 ws0\">Amortised Cost<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xf3c h2c y6bca ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xf3d h2c y6bca ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x176a h2c y6bca ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x228b h2c y6bca ff4 fs17 fc3 sc0 ls21 ws20\">$million </td><td class=\"t m0 x1b4d h2c y6bca ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xde5 h2c y6bca ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1ec h2c y6bca ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"t m0 x221 h8 y6bcb ff5 fs5 fc3 sc0 ls5 ws5\">Industry:<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ee y6559 w1097 h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">Energy<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x228c y6559 w10d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">1,036<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x228d y6559 w10d5 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">60<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x228e y6559 w8c0 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">3,089<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x228f y6559 w324 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">3,666<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2290 y6559 w559 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">1,771<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2291 y6559 w10d6 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">3,238<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2292 y6559 w10d7 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">12,860<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y655a w109b h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">Manufacturing<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x21e2 y655a w109c h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">4,077<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x21e3 y655a w6d7 h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">4,200<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2293 y655a w336 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">1,655<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2294 y655a w10d8 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">660<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2295 y655a wdb h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">2,307<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2296 y655a w10d9 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">7,968<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2297 y655a w10da h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">20,867<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y655b w109e h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Financing, insurance and non\u2013banking<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2298 y655b w8ec h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">3,633<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2299 y655b w346 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">3,486<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x229a y655b w10db h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">2,401<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1a25 y655b w10dc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">12,282<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x229b y655b w10a0 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">9,900<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x229c y655b w2b5 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">3,978<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x229d y655b w10dd h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">35,680<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y655c w10a2 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Transport, telecom and utilities<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x21ee y655c wc9 h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">5,131<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x229e y655c w10de h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">612<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x229f y655c w10df h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">3,766<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x22a0 y655c w2dc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">2,596<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x22a1 y655c w9e6 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">880<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x22a2 y655c wa65 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">5,625<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x22a3 y655c w319 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">18,610<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y655d w10a4 h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Food and household products<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x21f5 y655d w35b h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">1,038<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x21f6 y655d w10a5 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">428<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x22a4 y655d w598 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">1,472<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x22a5 y655d w96d h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">1,151<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x22a6 y655d w117 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">685<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x22a7 y655d w10e0 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">3,955<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x22a8 y655d w499 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">8,729<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6679 w10a7 h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Commercial Real estate<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x21fb y6679 w5bb h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">4,512<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x21fc y6679 w2bf h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">334<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x22a9 y6679 w10e1 h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">1,421<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x22aa y6679 w6f5 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">1,107<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x22ab y6679 w10e2 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">1,575<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x22ac y6679 w8bd h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">4,984<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x22ad y6679 w10a9 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">13,933<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y667a w10aa h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Mining and Quarrying<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2202 y667a w10ab h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">608<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2203 y667a w998 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">606<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2204 y667a w10e3 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">866<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x22ae y667a w10e4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">1,644<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x22af y667a w8ca h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">214<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x22b0 y667a w29a h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">1,943<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x22b1 y667a web4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">5,881<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6646 w10ae h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Consumer durables<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2209 y6646 w10af h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">2,780<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x220a y6646 wee h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">293<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x22b2 y6646 w10e5 h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">504<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x22b3 y6646 w3de h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">154<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x22b4 y6646 w292 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">481<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x22b5 y6646 w3bb h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">1,995<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x22b6 y6646 w9ad h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">6,207<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6561 w10b1 h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">Construction<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x220f y6561 w288 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">318<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2210 y6561 w995 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">156<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x22b7 y6561 w10e6 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">482<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x22b8 y6561 w30f h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">96<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x22b9 y6561 w10e7 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">247<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x22ba y6561 w10e8 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">1,158<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x22bb y6561 wd1e h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">2,457<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6562 w10b2 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">Trading Companies &amp; Distributors<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2216 y6562 w1e6 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">95<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2217 y6562 w26f h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">103<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2218 y6562 w10b3 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">106<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2219 y6562 wcf h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">31<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x221a y6562 w38f h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">40<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x221b y6562 w10b4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">277<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x221c y6562 wa55 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">652<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6610 w10b5 h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">Government<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x221d y6610 w215 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">3,836<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x22bc y6610 w10e9 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">117<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x22bd y6610 w10ea h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">20,266<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x22be y6610 w10eb h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">1,671<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x22bf y6610 w3c h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls0 ws0\">4<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x22c0 y6610 w3c1 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">3,592<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x22c1 y6610 wf1e h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">29,486<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6577 w413 h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">Other<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2223 y6577 w10b6 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">1,419<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1e7b y6577 wfc0 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">563<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x22c2 y6577 w421 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">816<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x22c3 y6577 wabc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">724<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x22c4 y6577 w10b7 h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">233<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x22c5 y6577 w10ec h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">1,278<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x22c6 y6577 w6b2 h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">5,033<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6566 w10b8 h203\"><div class=\"t m0 x1ed h1a y65de ff5 fs5 fc3 sc0 ls5 ws5\">Net Loans and advances to Customers<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2227 y6566 w290 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">28,483<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x22c7 y6566 w10ed h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">10,958<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x22c8 y6566 w10ee h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">36,844<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x22c9 y6566 w5b6 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">25,782<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x22ca y6566 w10ef h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">18,337<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x22cb y6566 wbb1 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">39,991<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x22cc y6566 w10f0 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">160,395<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6567 w10bc h203\"><div class=\"t m0 x1ed h1a y65de ff5 fs5 fc3 sc0 ls5 ws5\">Net Loans and advances to Banks<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x22cd y6567 w10f1 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">15,058<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x22ce y6567 w25d h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">2,432<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x22cf y6567 w8f6 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">7,701<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x22d0 y6567 w3e h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">4,337<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x22d1 y6567 w26c h200\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">2,322<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x22d2 y6567 w955 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">11,743<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x22d3 y6567 wa19 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">43,593<span class=\"_ _3eb\"> </span></div></td></tr></table></div><div class=\"t m0 hb ff1 fs7 fc3 sc0 ls7 ws7 gsa06\">1 <span class=\"_ _b\"> </span><span class=\"ff4\">Refer to the equivalent table on the page 260 of the Risk Review <span class=\"_ _7\"></span>section.<span class=\"_ _3eb\"> </span></span></div><div class=\"t m0 hf ff8 fsb fc2 sc0 lsb ws9 gsa07\">Forborne and other <span class=\"_ _1b\"></span>modified loans by key <span class=\"_ _7\"></span>geography (page 255) </div><div class=\"t m0 hc ff6 fs8 fc2 sc0 ls8 ws0 gsa08\">Published table as of 31 December 2024<span class=\"_ _3eb\"> </span></div><div class=\"gsa09\"><table class=\"s w10f2 h2c9\" id=\"_db171227-e1c8-445d-922e-f64c8311f01c\"><tr><td></td><td></td><td></td><td></td><td class=\"t m0 x531 h39 y6bcc ff1 fs17 fc3 sc0 ls21 ws20\">2024<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"t m0 x22d4 h39 y6bcd ff1 fs17 fc3 sc0 ls21 ws0\">Hong Kong<span class=\"ls0\"> </span></td><td class=\"t m0 x179e h39 y6bcd ff1 fs17 fc3 sc0 ls21 ws20\">Korea<span class=\"ls0 ws0\"> </span></td><td class=\"t m0 x1656 h39 y6bcd ff1 fs17 fc3 sc0 ls21 ws20\">China<span class=\"ls0 ws0\"> </span></td><td class=\"t m0 x1557 h39 y6bcd ff1 fs17 fc3 sc0 ls21 ws20\">Singapore<span class=\"ls0 ws0\"> </span></td><td class=\"t m0 x8b9 h39 y6bcd ff1 fs17 fc3 sc0 ls21 ws20\">UK<span class=\"ls0 ws0\"> </span></td><td class=\"t m0 x545 h39 y6bcd ff1 fs17 fc3 sc0 ls21 ws20\">US<span class=\"ls0 ws0\"> </span></td><td class=\"t m0 x533 h39 y6bcd ff1 fs17 fc3 sc0 ls21 ws20\">Other<span class=\"ls0 ws0\"> </span></td><td class=\"t m0 x60a h39 y6bcd ff1 fs17 fc3 sc0 ls21 ws20\">Total<span class=\"ls0 ws0\"> </span></td></tr><tr><td class=\"t m0 x221 h39 y6bce ff1 fs17 fc3 sc0 ls21 ws0\">Amortised cost<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x60c h2c y6bce ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xf3c h2c y6bce ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xf3d h2c y6bce ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x176a h2c y6bce ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x228b h2c y6bce ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1b4d h2c y6bce ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xde5 h2c y6bce ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1ec h2c y6bce ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c n x1ee y6577 w10f3 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Performing forborne loans<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x22d5 y6577 w4da h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x22d6 y6577 w5e h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">8<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x225f y6577 w2bc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x22d7 y6577 w32 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls0 ws0\">3<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x22d8 y6577 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x22d9 y6577 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x22da y6577 w1f2 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">39<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x22db y6577 w92 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">52<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6566 w10f4 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Stage 3 forborne loans<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x22dc y6566 we1c h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">118<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x22dd y6566 w1e1 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">18<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x22de y6566 w10f5 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">77<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x22df y6566 w8f h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">25<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x22e0 y6566 w3a1 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">78<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x22e1 y6566 w41a h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x22e2 y6566 w3de h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">415<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x22e3 y6566 w1a6 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">732<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6567 w10f6 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Net forborne loans<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x22e4 y6567 w8ee h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">120<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xac5 y6567 w10f7 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">26<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x22e5 y6567 w10f8 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">77<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x22e6 y6567 w131 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">28<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x22e7 y6567 w3a1 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">78<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x22e8 y6567 w41a h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x22e9 y6567 w8b7 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">454<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1455 y6567 w10ac h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">784<span class=\"_ _3eb\"> </span></div></td></tr></table></div><div class=\"t m0 hc ff6 fs8 fc2 sc0 ls8 ws0 gsa0a\">Adjustment table<span class=\"_ _3eb\"> </span></div><div class=\"gsa0b\"><table class=\"s w10f9 h2c9\" id=\"_f58fb998-2043-4467-ae7f-927ea3d05a66\"><tr><td></td><td></td><td></td><td></td><td class=\"t m0 x531 h39 y6bcf ff1 fs17 fc3 sc0 ls21 ws20\">2024<span class=\"_ _3eb\"> </span></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"t m0 x22d4 h39 y6bd0 ff1 fs17 fc3 sc0 ls21 ws0\">Hong Kong<span class=\"ls0\"> </span></td><td class=\"t m0 x179e h39 y6bd0 ff1 fs17 fc3 sc0 ls21 ws20\">Korea<span class=\"ls0 ws0\"> </span></td><td class=\"t m0 x1656 h39 y6bd0 ff1 fs17 fc3 sc0 ls21 ws20\">China<span class=\"ls0 ws0\"> </span></td><td class=\"t m0 x1557 h39 y6bd0 ff1 fs17 fc3 sc0 ls21 ws20\">Singapore<span class=\"ls0 ws0\"> </span></td><td class=\"t m0 x8b9 h39 y6bd0 ff1 fs17 fc3 sc0 ls21 ws20\">UK<span class=\"ls0 ws0\"> </span></td><td class=\"t m0 x545 h39 y6bd0 ff1 fs17 fc3 sc0 ls21 ws20\">US<span class=\"ls0 ws0\"> </span></td><td class=\"t m0 x533 h39 y6bd0 ff1 fs17 fc3 sc0 ls21 ws20\">Other<span class=\"ls0 ws0\"> </span></td><td class=\"t m0 x60a h39 y6bd0 ff1 fs17 fc3 sc0 ls21 ws20\">Total<span class=\"ls0 ws0\"> </span></td></tr><tr><td class=\"t m0 x221 h39 y6bd1 ff1 fs17 fc3 sc0 ls21 ws0\">Amortised cost<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x60c h2c y6bd1 ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xf3c h2c y6bd1 ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xf3d h2c y6bd1 ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x176a h2c y6bd1 ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x228b h2c y6bd1 ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1b4d h2c y6bd1 ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xde5 h2c y6bd1 ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1ec h2c y6bd1 ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c n x1ee y6577 w10f3 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Performing forborne loans<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x22ea y6577 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x22eb y6577 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x22ec y6577 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n xb8c y6577 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x4eb y6577 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x4ec y6577 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x22ed y6577 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x10d3 y6577 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6566 w10f4 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Stage 3 forborne loans<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x22ee y6566 w7fe h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">8<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x22ef y6566 w47e h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(7)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x22f0 y6566 w10fa h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(8)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x22f1 y6566 w1cf h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x22f2 y6566 w38c h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(3)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x22f3 y6566 w1cf h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x22f4 y6566 w94 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">10<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x85d y6566 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6567 w10f6 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Net forborne loans<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x22f5 y6567 w5e h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">8<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x22f6 y6567 w47e h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(7)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x22f7 y6567 w10fa h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(8)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1c7a y6567 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x22f8 y6567 w38c h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">(3)<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x22f9 y6567 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x22fa y6567 w6c h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">10<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1c09 y6567 w1cf h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td></tr></table></div><div class=\"t m0 hc ff6 fs8 fc2 sc0 ls8 ws0 gsa0c\">Re\u2013presented table as of 31 December 2024<span class=\"_ _3eb\"> </span></div><div class=\"gsa0d\"><table class=\"s w10f2 h2ca\" id=\"_56791740-ad72-468f-ba32-92e2538b2b09\"><tr><td></td><td></td><td></td><td></td><td class=\"c x1ac7 y6bd2 w10fb h26a\"><div class=\"t m0 x1ed h39 y6632 ff1 fs17 fc3 sc0 ls21 ws20\">2024</div><div class=\"t m0 x22fb h3a y6938 ff1 fs19 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"t m0 x22d4 h39 y6bd3 ff1 fs17 fc3 sc0 ls21 ws0\">Hong Kong<span class=\"ls0\"> </span></td><td class=\"t m0 x179e h39 y6bd3 ff1 fs17 fc3 sc0 ls21 ws20\">Korea<span class=\"ls0 ws0\"> </span></td><td class=\"t m0 x1656 h39 y6bd3 ff1 fs17 fc3 sc0 ls21 ws20\">China<span class=\"ls0 ws0\"> </span></td><td class=\"t m0 x1557 h39 y6bd3 ff1 fs17 fc3 sc0 ls21 ws20\">Singapore<span class=\"ls0 ws0\"> </span></td><td class=\"t m0 x8b9 h39 y6bd3 ff1 fs17 fc3 sc0 ls21 ws20\">UK<span class=\"ls0 ws0\"> </span></td><td class=\"t m0 x545 h39 y6bd3 ff1 fs17 fc3 sc0 ls21 ws20\">US<span class=\"ls0 ws0\"> </span></td><td class=\"t m0 x533 h39 y6bd3 ff1 fs17 fc3 sc0 ls21 ws20\">Other<span class=\"ls0 ws0\"> </span></td><td class=\"t m0 x60a h39 y6bd3 ff1 fs17 fc3 sc0 ls21 ws20\">Total<span class=\"ls0 ws0\"> </span></td></tr><tr><td class=\"t m0 x221 h39 y6bd4 ff1 fs17 fc3 sc0 ls21 ws0\">Amortised cost<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x60c h2c y6bd4 ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xf3c h2c y6bd4 ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xf3d h2c y6bd4 ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x176a h2c y6bd4 ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x228b h2c y6bd4 ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1b4d h2c y6bd4 ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xde5 h2c y6bd4 ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1ec h2c y6bd4 ff4 fs17 fc3 sc0 ls21 ws20\">$million<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c n x1ee y6577 w10f3 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Performing forborne loans<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x22d5 y6577 w4da h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls0 ws0\">2<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x22d6 y6577 w5e h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">8<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x225f y6577 w2bc h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x22d7 y6577 w32 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls0 ws0\">3<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x22d8 y6577 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x22d9 y6577 w1d4 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls0 ws0\">\u2013<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x22da y6577 w1f2 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">39<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x22db y6577 w92 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">52<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6566 w10f4 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws0\">Stage 3 forborne loans<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x22fc y6566 wae3 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">110<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x22fd y6566 w10fc h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">25<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x22fe y6566 w10fd h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">85<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x22ff y6566 w92 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">25<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x1bcc y6566 wa9b h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">81<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2300 y6566 w41a h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2301 y6566 w10fe h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">405<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2302 y6566 waa h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">732<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6567 wf20 h203\"><div class=\"t m0 x1ed h1a y65de ff5 fs5 fc3 sc0 ls5 ws5\">Net forborne loans<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2303 y6567 w632 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">112<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2304 y6567 wffa h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">33<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2305 y6567 w27c h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">85<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2306 y6567 w131 h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">28<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2307 y6567 wa9b h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">81<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2308 y6567 w41a h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2309 y6567 wb18 h202\"><div class=\"t m0 x1ed h1a y65de ff1 fs5 fc3 sc0 ls5 ws5\">444<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x230a y6567 w10ac h203\"><div class=\"t m0 x1ed h1a y65de ff4 fs5 fc3 sc0 ls5 ws5\">784<span class=\"_ _3eb\"> </span></div></td></tr></table></div><div class=\"t m0 hb ff1 fs7 fc3 sc0 ls7 ws7 gsa0e\">1 <span class=\"_ _b\"> </span><span class=\"ff4\">Refer to the equivalent table on the page 255 of the Risk Review <span class=\"_ _7\"></span>section.</span></div>",
   "dimensions": {
    "concept": "standardcharteredplc:DisclosureOfRepresentationTableOfCreditRiskDisclosuresByKeyGeography",
    "language": "en",
    "entity": "scheme:U4LOSYZ7YG4W3S5F2G91",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-677": {
   "value": "41. Related undertakings <span class=\"_ _1b\"></span>of the Group<span class=\"_ _3eb\"> </span>As at 31 December 2025, the <span class=\"_ _7\"></span>Group\u2019s interests in related undertakings are disclosed <span class=\"_ _7\"></span>below. Unless otherwise stated, the share<span class=\"_ gs36\"> </span>capital disclosed comprises ordinary or common <span class=\"_ _7\"></span>shares which are held by subsidiaries of <span class=\"_ _7\"></span>the Group. Standard Chartered Bank<span class=\"_ gs36\"> </span>(Hong Kong) Limited, Standard Chartered Funding <span class=\"_ _7\"></span>(Jersey) Limited, Stanchart Nominees Limited, Standard Chartered Holdings Limited and Standard Chartered Nominees <span class=\"_ _7\"></span>Limited are directly held subsidiaries, all other <span class=\"_ _7\"></span>related undertakings are<span class=\"_ gs36\"> </span>held indirectly. Unless otherwise stated, the <span class=\"_ _7\"></span>principal country of operation of each subsidiary <span class=\"_ _7\"></span>is the same as its country of<span class=\"_ gs36\"> </span>incorporation Note 32 details undertakings that <span class=\"_ _7\"></span>have a significant contribution to the Group\u2019s <span class=\"_ _7\"></span>net profit or net assets.<span class=\"_ _3eb\"> </span>Subsidiary Undertakings<span class=\"_ _3eb\"> </span><table class=\"s w10ff h2cb\" id=\"_7d1ec634-c579-44b4-8b25-8886432d58ce\"><tr><td></td><td class=\"t m0 x2f6 h151 y6bd5 ff1 fs64 fc3 sc0 ls50 ws0\">Proportion of </td><td></td></tr><tr><td class=\"t m0 x235 h151 y6bd6 ff1 fs64 fc3 sc0 ls50 ws5b\">Name<span class=\"_ _3eb\"> </span></td><td class=\"c n x230b y6bd8 w1100 h21e\"><div class=\"t m0 x1ed h153 y6bd7 ff4 fs64 fc3 sc0 ls50 ws5b\">shares held (%)</div></td><td class=\"c n x230c y6bd8 w1101 h2be\"><div class=\"t m0 x1ed h153 y6bd7 ff1 fs64 fc3 sc0 ls50 ws5b\">Footnotes<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y6bd9 w1102 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">FinVentures UK Limited</div><div class=\"t m0 x230d hd1 y659f ff1 fs61 fc3 sc0 ls0 ws0\">v<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x230e hba y6bda ff1 fs7 fc3 sc0 ls7 ws7\">100<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x230f h162 y6bdb ff4 fs61 fc3 sc0 ls44 ws49\">1, 163<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c x1ee y6bdc w1103 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">SC (Secretaries) Limited</div><div class=\"t m0 x1b33 hd1 y659f ff1 fs61 fc3 sc0 ls44 ws49\">ix<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x230e hba y6bdd ff1 fs7 fc3 sc0 ls7 ws7\">100<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x2310 hd1 y6bde ff1 fs61 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c x1ee y6bdf w1104 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">SC Ventures G.P. Limited</div><div class=\"t m0 x2311 hd1 y659f ff1 fs61 fc3 sc0 ls0 ws0\">v<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x230e hba y6be0 ff1 fs7 fc3 sc0 ls7 ws7\">100<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x2310 hd1 y6be1 ff1 fs61 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c x1ee y6be2 w1105 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">SC Ventures Innovation Investment L.P.</div><div class=\"t m0 x2312 hd1 y659f ff1 fs61 fc3 sc0 ls0 ws0\">v<span class=\"_ _3eb\"> </span></div></td><td class=\"c x2314 y6be3 w1106 h241\"><div class=\"t m0 x1ed hba y65a9 ff1 fs7 fc3 sc0 ls7 ws7\">100</div><div class=\"t m0 x2313 hd1 y65aa ff1 fs61 fc3 sc0 ls0 ws0\">Y<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2315 y6be5 w1107 h2cc\"><div class=\"t m0 x1ed hd1 y6be4 ff1 fs61 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y6be6 w1108 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">SCMB Overseas Limited</div><div class=\"t m0 x1b33 hd1 y659f ff1 fs61 fc3 sc0 ls0 ws0\">v<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x230e hba y6be7 ff1 fs7 fc3 sc0 ls7 ws7\">100<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x230f h162 y6be8 ff4 fs61 fc3 sc0 ls44 ws49\">1, 163<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c x1ee y6be9 w1109 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">Standard Chartered Africa Limited</div><div class=\"t m0 x2316 hd1 y659f ff1 fs61 fc3 sc0 ls0 ws0\">v<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x230e hba y6bea ff1 fs7 fc3 sc0 ls7 ws7\">100<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x230f h162 y6beb ff4 fs61 fc3 sc0 ls44 ws49\">1, 163<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c x1ee y6bec w110a h244\"><div class=\"t m0 x1ed hba y65a9 ff1 fs7 fc3 sc0 ls7 ws0\">Standard Chartered Bank</div><div class=\"t m0 x2317 hd1 y65be ff1 fs61 fc3 sc0 ls0 ws0\">i<span class=\"_ _3eb\"> </span></div></td><td class=\"c x2319 y6bee w110b h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">100; 100</div><div class=\"t m0 x2318 h162 y6bed ff4 fs61 fc3 sc0 ls44 ws49\">Q,T<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x231a y6bf0 w1107 h2cd\"><div class=\"t m0 x1ed h162 y6bef ff1 fs61 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y6bf1 w110c h241\"><div class=\"t m0 x1ed hba y65a9 ff1 fs7 fc3 sc0 ls7 ws0\">Standard Chartered Foundation</div><div class=\"t m0 x231b hd1 y65aa ff1 fs61 fc3 sc0 ls44 ws49\">ix<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x230e hba y6bf2 ff1 fs7 fc3 sc0 ls7 ws7\">100<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x230f h162 y6bf3 ff4 fs61 fc3 sc0 ls44 ws49\">1, 158<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c x1ee y6bf4 w110d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">Standard Chartered Health Trustee (UK) Limited</div><div class=\"t m0 x231c hd1 y659f ff1 fs61 fc3 sc0 ls44 ws49\">ix<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x230e hba y6bf5 ff1 fs7 fc3 sc0 ls7 ws7\">100<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x2310 hd1 y6bf6 ff1 fs61 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c x1ee y6bf7 w110e h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">Standard Chartered I H Limited</div><div class=\"t m0 x231d hd1 y659f ff1 fs61 fc3 sc0 ls0 ws0\">v<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x230e hba y6bf8 ff1 fs7 fc3 sc0 ls7 ws7\">100<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x230f h162 y6bf9 ff4 fs61 fc3 sc0 ls44 ws49\">1, 163<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"t m0 x235 hb y6bfa ff4 fs7 fc3 sc0 ls7 ws7\">Standard Chartered Nominees (Private Clients UK) </td><td></td><td></td></tr><tr><td class=\"c x1ee y6bfb w110f h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">Limited</div><div class=\"t m0 x231e hd1 y659f ff1 fs61 fc3 sc0 ls0 ws0\">i<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x230e hba y6bfc ff1 fs7 fc3 sc0 ls7 ws7\">100<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x2310 hd1 y6bfd ff1 fs61 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"t m0 x235 hb y6bfe ff4 fs7 fc3 sc0 ls7 ws7\">Standard Chartered Securities (Africa) </td><td></td><td></td></tr><tr><td class=\"c x1ee y6bff w1110 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">Holdings<span class=\"_ gs1a2\"> </span>Limited</div><div class=\"t m0 x231f hd1 y659f ff1 fs61 fc3 sc0 ls0 ws0\">v<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x230e hba y6c00 ff1 fs7 fc3 sc0 ls7 ws7\">100<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x230f h162 y6c01 ff4 fs61 fc3 sc0 ls44 ws49\">1, 163<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c x1ee y6c02 w1111 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">Standard Chartered Strategic Investments Limited</div><div class=\"t m0 x2320 hd1 y659f ff1 fs61 fc3 sc0 ls0 ws0\">v<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x230e hba y6c03 ff1 fs7 fc3 sc0 ls7 ws7\">100<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x230f h162 y6c04 ff4 fs61 fc3 sc0 ls44 ws49\">1, 163<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c x1ee y6c05 w1112 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">Standard Chartered Trustees (UK) Limited</div><div class=\"t m0 x2321 hd1 y659f ff1 fs61 fc3 sc0 ls44 ws49\">ix<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x230e hba y6c06 ff1 fs7 fc3 sc0 ls7 ws7\">100<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x2310 hd1 y6c07 ff1 fs61 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c x1ee y6c08 w1113 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">SC Ventures Holdings Limited</div><div class=\"t m0 x2322 hd1 y659f ff1 fs61 fc3 sc0 ls0 ws0\">v<span class=\"_ _3eb\"> </span></div></td><td class=\"c x2324 y6c08 w1114 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">100; 100</div><div class=\"t m0 x2323 hd1 y659f ff1 fs61 fc3 sc0 ls0 ws0\">M<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2325 y6c09 w1107 h2cc\"><div class=\"t m0 x1ed hd1 y6be4 ff1 fs61 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y6c0a w1115 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">Zodia Markets (UK) Limited</div><div class=\"t m0 x2326 hd1 y6bed ff1 fs61 fc3 sc0 ls0 ws0\">i<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x230e hba y6c0b ff1 fs7 fc3 sc0 ls7 ws7\">100<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x2310 hd1 y6c0c ff1 fs61 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c x1ee y6c0d w1116 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">Zodia Markets Holdings Limited</div><div class=\"t m0 x231b hd1 y659f ff1 fs61 fc3 sc0 ls0 ws0\">v<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x6c0 hb y6c0e ff4 fs7 fc3 sc0 ls7 ws7\">83.96<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x2310 hd1 y6c0f ff1 fs61 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c x1ee y6c10 w1117 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">Bricks (C&amp;K) LP</div><div class=\"t m0 x37b hd1 y659f ff1 fs61 fc3 sc0 ls44 ws49\">ix<span class=\"_ _3eb\"> </span></div></td><td class=\"c x2314 y6c11 w1106 h212\"><div class=\"t m0 x1ed hba y65a9 ff1 fs7 fc3 sc0 ls7 ws7\">100</div><div class=\"t m0 x2313 h162 y65aa ff1 fs61 fc3 sc0 ls0 ws0\">Y<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2327 y6c12 w1118 h2ce\"><div class=\"t m0 x1ed h162 y6bef ff4 fs61 fc3 sc0 ls44 ws49\">2, 158<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y6c13 w1119 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">Bricks (C) LP</div><div class=\"t m0 x2328 hd1 y659f ff1 fs61 fc3 sc0 ls44 ws49\">ix<span class=\"_ _3eb\"> </span></div></td><td class=\"c x2314 y6c14 w1106 h212\"><div class=\"t m0 x1ed hba y65a9 ff1 fs7 fc3 sc0 ls7 ws7\">100</div><div class=\"t m0 x2313 h162 y65aa ff1 fs61 fc3 sc0 ls0 ws0\">Y<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2327 y6c15 w1118 h2ce\"><div class=\"t m0 x1ed h162 y6bef ff4 fs61 fc3 sc0 ls44 ws49\">2, 158<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y6c16 w1119 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">Bricks (T) LP</div><div class=\"t m0 x2328 hd1 y659f ff1 fs61 fc3 sc0 ls44 ws49\">ix<span class=\"_ _3eb\"> </span></div></td><td class=\"c x2314 y6c17 w1106 h212\"><div class=\"t m0 x1ed hba y65a9 ff1 fs7 fc3 sc0 ls7 ws7\">100</div><div class=\"t m0 x2313 h162 y65aa ff1 fs61 fc3 sc0 ls0 ws0\">Y<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2327 y6c18 w1118 h2ce\"><div class=\"t m0 x1ed h162 y6bef ff4 fs61 fc3 sc0 ls44 ws49\">2, 158<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y6c19 w111a h241\"><div class=\"t m0 x1ed hba y65a9 ff1 fs7 fc3 sc0 ls7 ws0\">Corrasi Covered Bonds LLP</div><div class=\"t m0 x2329 hd1 y65aa ff1 fs61 fc3 sc0 ls44 ws49\">ix<span class=\"_ _3eb\"> </span></div></td><td class=\"c x232b y6c1a w111b h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">75</div><div class=\"t m0 x232a hd1 y659f ff1 fs61 fc3 sc0 ls44 ws49\">AA<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x232c y6c1b w111c h2cc\"><div class=\"t m0 x1ed hd1 y6be4 ff1 fs61 fc3 sc0 ls0 ws0\">3<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y6c1c w111d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">Zodia Custody Limited</div><div class=\"t m0 x4c3 hd1 y659f ff1 fs61 fc3 sc0 ls44 ws49\">iv<span class=\"_ _3eb\"> </span></div></td><td class=\"c x232e y6c1c w111e h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">95.1; 15.132</div><div class=\"t m0 x232d h162 y659f ff1 fs61 fc3 sc0 ls0 ws0\">K<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x232f y6c1d w107e h2ce\"><div class=\"t m0 x1ed h162 y6bef ff4 fs61 fc3 sc0 ls44 ws49\">107<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y6c1e w1102 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">Zodia Holdings Limited</div><div class=\"t m0 x230d hd1 y6bed ff1 fs61 fc3 sc0 ls0 ws0\">v<span class=\"_ _3eb\"> </span></div></td><td class=\"c x2314 y6c1f w111f h212\"><div class=\"t m0 x1ed hba y65a9 ff1 fs7 fc3 sc0 ls7 ws7\">100</div><div class=\"t m0 x2313 h162 y65be ff1 fs61 fc3 sc0 ls0 ws0\">A<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2330 y6c20 wfd1 h2ce\"><div class=\"t m0 x1ed h162 y6bef ff4 fs61 fc3 sc0 ls44 ws49\">107<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y6c21 w1120 h241\"><div class=\"t m0 x1ed hba y65a9 ff1 fs7 fc3 sc0 ls7 ws0\">Assembly Payments UK Ltd</div><div class=\"t m0 x1b24 hd1 y65aa ff1 fs61 fc3 sc0 ls44 ws49\">iv<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x230e hba y6c22 ff1 fs7 fc3 sc0 ls7 ws7\">100<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x2d1 h162 y6c23 ff4 fs61 fc3 sc0 ls44 ws49\">4, 158<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c x1ee y6c24 w110a h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">CurrencyFair (UK) Limited</div><div class=\"t m0 x2317 hd1 y659f ff1 fs61 fc3 sc0 ls0 ws0\">i<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x230e hba y6c25 ff1 fs7 fc3 sc0 ls7 ws7\">100<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x2d1 h162 y6c26 ff4 fs61 fc3 sc0 ls44 ws49\">4, 158<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c x1ee y6c27 w1121 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">Zai Technologies Limited</div><div class=\"t m0 x4cb hd1 y659f ff1 fs61 fc3 sc0 ls44 ws49\">iv<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x230e hba y6c28 ff1 fs7 fc3 sc0 ls7 ws7\">100<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x2d1 h162 y6c29 ff4 fs61 fc3 sc0 ls44 ws49\">4, 158<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c x1ee y6c2a w1122 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">Standard Chartered Grindlays Pty Limited</div><div class=\"t m0 x2331 hd1 y659f ff1 fs61 fc3 sc0 ls0 ws0\">v<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x230e hba y6c2b ff1 fs7 fc3 sc0 ls7 ws7\">100<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x19d7 hd1 y6c2c ff1 fs61 fc3 sc0 ls0 ws0\">5<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c x1ee y6c2d w1123 h241\"><div class=\"t m0 x1ed hba y65a9 ff1 fs7 fc3 sc0 ls7 ws0\">Assembly Payments Australia Pty Ltd</div><div class=\"t m0 x2332 hd1 y65aa ff1 fs61 fc3 sc0 ls44 ws49\">iv<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x230e hba y6c2e ff1 fs7 fc3 sc0 ls7 ws7\">100<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x2d8 h162 y6c2f ff4 fs61 fc3 sc0 ls44 ws49\">131, 158<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c x1ee y6c30 w1124 h241\"><div class=\"t m0 x1ed hba y65a9 ff1 fs7 fc3 sc0 ls7 ws0\">Zai Australia Pty Ltd</div><div class=\"t m0 x1b2d hd1 y65aa ff1 fs61 fc3 sc0 ls44 ws49\">iv<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x230e hba y6c31 ff1 fs7 fc3 sc0 ls7 ws7\">100<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x19d7 hd1 y6c32 ff1 fs61 fc3 sc0 ls44 ws49\">11<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c x1ee y6c33 w1125 h244\"><div class=\"t m0 x1ed hba y65a9 ff1 fs7 fc3 sc0 ls7 ws0\">CurrencyFair Australia Pty Ltd</div><div class=\"t m0 x2322 hd1 y65be ff1 fs61 fc3 sc0 ls44 ws49\">iv<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x230e hba y6c34 ff1 fs7 fc3 sc0 ls7 ws7\">100<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x2d1 h162 y6c35 ff4 fs61 fc3 sc0 ls44 ws49\">6, 158<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"t m0 x235 hba y6c36 ff1 fs7 fc3 sc0 ls7 ws0\">Standard Chartered Bank Insurance Agency </td><td></td><td></td></tr><tr><td class=\"c x1ee y6c37 w1126 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">(Proprietary) Limited</div><div class=\"t m0 x2333 hd1 y659f ff1 fs61 fc3 sc0 ls0 ws0\">i<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x230e hba y6c38 ff1 fs7 fc3 sc0 ls7 ws7\">100<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x19d7 h162 y6c39 ff4 fs61 fc3 sc0 ls0 ws0\">7<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"t m0 x235 hba y6c3a ff1 fs7 fc3 sc0 ls7 ws0\">Standard Chartered Investment Services </td><td></td><td></td></tr><tr><td class=\"c x1ee y6c3b w1126 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">(Proprietary) Limited</div><div class=\"t m0 x2333 hd1 y659f ff1 fs61 fc3 sc0 ls0 ws0\">i<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x230e hba y6c3c ff1 fs7 fc3 sc0 ls7 ws7\">100<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x19d7 h162 y6c3d ff4 fs61 fc3 sc0 ls0 ws0\">7<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c x1ee y6c3e w1127 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">Standard Chartered Bank Botswana Limited</div><div class=\"t m0 x2334 hd1 y659f ff1 fs61 fc3 sc0 ls0 ws0\">i<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x19a5 hb y6c3f ff4 fs7 fc3 sc0 ls7 ws7\">75.827<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x19d7 h162 y6c40 ff4 fs61 fc3 sc0 ls0 ws0\">7<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"t m0 x235 hba y6c41 ff1 fs7 fc3 sc0 ls7 ws0\">Standard Chartered Botswana Nominees </td><td></td><td></td></tr><tr><td class=\"c x1ee y6c42 w1126 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">(Proprietary) Limited</div><div class=\"t m0 x2333 hd1 y659f ff1 fs61 fc3 sc0 ls0 ws0\">i<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x230e hba y6c43 ff1 fs7 fc3 sc0 ls7 ws7\">100<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x19d7 h162 y6c44 ff4 fs61 fc3 sc0 ls0 ws0\">7<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c x1ee y6c45 w1128 h244\"><div class=\"t m0 x1ed hba y65a9 ff1 fs7 fc3 sc0 ls7 ws0\">Standard Chartered Botswana Education Trust</div><div class=\"t m0 x2335 hd1 y65be ff1 fs61 fc3 sc0 ls44 ws49\">ix<span class=\"_ _3eb\"> </span></div></td><td class=\"c x2337 y6c45 w1129 h212\"><div class=\"t m0 x1ed hba y65a9 ff1 fs7 fc3 sc0 ls7 ws7\">100</div><div class=\"t m0 x2336 h162 y65be ff1 fs61 fc3 sc0 ls44 ws49\">AB<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2338 y6c46 w112a h2ce\"><div class=\"t m0 x1ed h162 y6bef ff4 fs61 fc3 sc0 ls0 ws0\">7<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x235 hba y6c47 ff1 fs7 fc3 sc0 ls7 ws0\">Standard Chartered Representa\u00e7\u00e3o e </td><td></td><td></td></tr><tr><td class=\"c x1ee y6c48 w112b h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">Participa\u00e7\u00f5es Ltda</div><div class=\"t m0 x2339 hd1 y659f ff1 fs61 fc3 sc0 ls0 ws0\">i<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x230e hba y6c49 ff1 fs7 fc3 sc0 ls7 ws7\">100<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x19d7 h162 y6c4a ff4 fs61 fc3 sc0 ls0 ws0\">8<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c x1ee y6c4b w112c h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">Standard Chartered Securities (B) Sdn Bhd</div><div class=\"t m0 x2321 hd1 y659f ff1 fs61 fc3 sc0 ls0 ws0\">i<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x230e hba y6c4c ff1 fs7 fc3 sc0 ls7 ws7\">100<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x17c0 h162 y6c4d ff4 fs61 fc3 sc0 ls44 ws49\">108<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c x1ee y6c4e w112d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">CurrencyFair (Canada) Ltd</div><div class=\"t m0 x2329 hd1 y6bed ff1 fs61 fc3 sc0 ls44 ws49\">iv<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x230e hba y6c4f ff1 fs7 fc3 sc0 ls7 ws7\">100<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x2e5 h162 y6c50 ff4 fs61 fc3 sc0 ls44 ws49\">10, 158<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c x1ee y6c51 w112e h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">SCB Investment Holding Company Limited</div><div class=\"t m0 x2321 hd1 y659f ff1 fs61 fc3 sc0 ls0 ws0\">v<span class=\"_ _3eb\"> </span></div></td><td class=\"c x2314 y6c52 w111f h241\"><div class=\"t m0 x1ed hba y65a9 ff1 fs7 fc3 sc0 ls7 ws7\">100</div><div class=\"t m0 x2313 hd1 y65aa ff1 fs61 fc3 sc0 ls0 ws0\">A<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x233a y6c53 w4b0 h2cc\"><div class=\"t m0 x1ed hd1 y6be4 ff1 fs61 fc3 sc0 ls44 ws49\">114<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y6c54 w112f h2cf\"><div class=\"t m0 x1ed hb y6b2b ff4 fs7 fc3 sc0 ls7 ws7\">Standard Chartered Global Business Services Co.,<span class=\"_ _3eb\"> </span></div><div class=\"t m0 x1ed hba y65a9 ff1 fs7 fc3 sc0 ls7 ws7\">Ltd</div><div class=\"t m0 x233b h162 y65aa ff4 fs61 fc3 sc0 ls44 ws49\">vii<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x230e hba y6c55 ff1 fs7 fc3 sc0 ls7 ws7\">100<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x2e5 h162 y6c56 ff4 fs61 fc3 sc0 ls44 ws49\">12, 160<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"t m0 x235 hba y6c57 ff1 fs7 fc3 sc0 ls7 ws0\">Standard Chartered Global Business Services </td><td></td><td></td></tr><tr><td class=\"c x1ee y6c58 w1130 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">(Guangzhou) Co., Ltd.</div><div class=\"t m0 x1a82 h162 y659f ff4 fs61 fc3 sc0 ls44 ws49\">vii<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x230e hba y6c59 ff1 fs7 fc3 sc0 ls7 ws7\">100<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x2d8 h162 y6c5a ff4 fs61 fc3 sc0 ls44 ws49\">121, 160<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"t m0 x235 hba y6c5b ff1 fs7 fc3 sc0 ls7 ws0\">Guangzhou CurrencyFair Information </td><td></td><td></td></tr><tr><td class=\"c x1ee y6c5c w93a h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">Technology<span class=\"_ gs1a2\"> </span>Limited</div><div class=\"t m0 x233c hd1 y659f ff1 fs61 fc3 sc0 ls44 ws49\">iv<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x230e hba y6c5d ff1 fs7 fc3 sc0 ls7 ws7\">100<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x2e5 h162 y6c5e ff4 fs61 fc3 sc0 ls44 ws49\">13, 159<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c x1ee y6567 w1131 h241\"><div class=\"t m0 x1ed hba y65a9 ff1 fs7 fc3 sc0 ls7 ws0\">Standard Chartered Bank Cote d\u2019Ivoire SA</div><div class=\"t m0 x2331 hd1 y65aa ff1 fs61 fc3 sc0 ls44 ws49\">ix<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x230e hba y6c5f ff1 fs7 fc3 sc0 ls7 ws7\">100<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x86d hd1 y6c60 ff1 fs61 fc3 sc0 ls44 ws49\">14<span class=\"_ _3eb\"> </span></td></tr></table>Proportion of Name<span class=\"_ _3eb\"> </span>shares held (%)<span class=\"_ _3eb\"> </span>Footnotes<span class=\"_ _3eb\"> </span>Standard Chartered Bank AGi<span class=\"_ _3eb\"> </span>100<span class=\"_ _3eb\"> </span>16<span class=\"_ _3eb\"> </span>Solvezy Technology Ghana Ltdiv<span class=\"_ _3eb\"> </span>100<span class=\"_ _3eb\"> </span>17<span class=\"_ _3eb\"> </span>69.416; Standard Chartered Bank Ghana PLCi<span class=\"_ _3eb\"> </span>87.043T<span class=\"_ _3eb\"> </span>18<span class=\"_ _3eb\"> </span>Standard Chartered Ghana Nominees Limitedi<span class=\"_ _3eb\"> </span>100<span class=\"_ _3eb\"> </span>18<span class=\"_ _3eb\"> </span>Standard Chartered Wealth Management Limited<span class=\"_ gs1a2\"> </span>Companyi<span class=\"_ _3eb\"> </span>100<span class=\"_ _3eb\"> </span>19<span class=\"_ _3eb\"> </span>Standard Chartered PF Real Estate (Hong Kong) Limitedv<span class=\"_ _3eb\"> </span>100<span class=\"_ _3eb\"> </span>81<span class=\"_ _3eb\"> </span>Standard Chartered Private Equity Limitedv<span class=\"_ _3eb\"> </span>100<span class=\"_ _3eb\"> </span>20<span class=\"_ _3eb\"> </span>Standard Chartered Asia Limitedv<span class=\"_ _3eb\"> </span>100; 100AD<span class=\"_ _3eb\"> </span>20<span class=\"_ _3eb\"> </span>CurrencyFair Asia Limitediv<span class=\"_ _3eb\"> </span>100<span class=\"_ _3eb\"> </span>91, 158<span class=\"_ _3eb\"> </span>Zodia Custody (Hong Kong) Limitediv<span class=\"_ _3eb\"> </span>100<span class=\"_ _3eb\"> </span>132<span class=\"_ _3eb\"> </span>Assembly Payments India Private Limitediv<span class=\"_ _3eb\"> </span>100<span class=\"_ _3eb\"> </span>92<span class=\"_ _3eb\"> </span>Standard Chartered Global Business Services Private Limitedviii<span class=\"_ _3eb\"> </span>100<span class=\"_ _3eb\"> </span>22<span class=\"_ _3eb\"> </span>Standard Chartered Finance Private Limitedviii<span class=\"_ _3eb\"> </span>98.895<span class=\"_ _3eb\"> </span>23<span class=\"_ _3eb\"> </span>Standard Chartered Capital Limitedi<span class=\"_ _3eb\"> </span>100<span class=\"_ _3eb\"> </span>153<span class=\"_ _3eb\"> </span>Standard Chartered Securities (India) Limitedi<span class=\"_ _3eb\"> </span>100<span class=\"_ _3eb\"> </span>93<span class=\"_ _3eb\"> </span>Standard Chartered (India) Modeling and<span class=\"_ _3eb\"> </span>Analytics Centre Private Limitedviii<span class=\"_ _3eb\"> </span>100<span class=\"_ _3eb\"> </span>26<span class=\"_ _3eb\"> </span>SCV Research and Development Pvt. Ltd.iv<span class=\"_ _3eb\"> </span>100<span class=\"_ _3eb\"> </span>117<span class=\"_ _3eb\"> </span>PT Labamu Sejahtera Indonesiaiv<span class=\"_ _3eb\"> </span>100<span class=\"_ _3eb\"> </span>27<span class=\"_ _3eb\"> </span>Currencyfair Limitediv<span class=\"_ _3eb\"> </span>100A<span class=\"_ _3eb\"> </span>150, 158, 165<span class=\"_ _3eb\"> </span>CurrencyFair Nominees Limitediv<span class=\"_ _3eb\"> </span>100<span class=\"_ _3eb\"> </span>148, 158<span class=\"_ _3eb\"> </span>Zodia Markets (Ireland) Limitedi<span class=\"_ _3eb\"> </span>100<span class=\"_ _3eb\"> </span>133<span class=\"_ _3eb\"> </span>Zodia Custody (Ireland) Limitediv<span class=\"_ _3eb\"> </span>100<span class=\"_ _3eb\"> </span>134<span class=\"_ _3eb\"> </span>Standard Chartered Assurance Limitedi<span class=\"_ _3eb\"> </span>100; 100M<span class=\"_ _3eb\"> </span>29<span class=\"_ _3eb\"> </span>Standard Chartered Isle of Man Limitedi<span class=\"_ _3eb\"> </span>100<span class=\"_ _3eb\"> </span>29<span class=\"_ _3eb\"> </span>Standard Chartered Securities (Japan) Limitedi<span class=\"_ _3eb\"> </span>100<span class=\"_ _3eb\"> </span>30<span class=\"_ _3eb\"> </span>SCB Nominees (CI) Limitedi<span class=\"_ _3eb\"> </span>100<span class=\"_ _3eb\"> </span>31<span class=\"_ _3eb\"> </span>Solvezy Technology Kenya Limitediv<span class=\"_ _3eb\"> </span>100<span class=\"_ _3eb\"> </span>32<span class=\"_ _3eb\"> </span>Standard Chartered Bancassurance Intermediary<span class=\"_ gs1a2\"> </span>Limitedi<span class=\"_ _3eb\"> </span>100<span class=\"_ _3eb\"> </span>32<span class=\"_ _3eb\"> </span>Standard Chartered Investment Services Limitedv<span class=\"_ _3eb\"> </span>100<span class=\"_ _3eb\"> </span>32<span class=\"_ _3eb\"> </span>Standard Chartered Bank Kenya Limitedi<span class=\"_ _3eb\"> </span>74.318; 100J<span class=\"_ _3eb\"> </span>32<span class=\"_ _3eb\"> </span>Standard Chartered Securities (Kenya) Limitedi<span class=\"_ _3eb\"> </span>100<span class=\"_ _3eb\"> </span>32<span class=\"_ _3eb\"> </span>Standard Chartered Financial Services Limitedi<span class=\"_ _3eb\"> </span>100<span class=\"_ _3eb\"> </span>32<span class=\"_ _3eb\"> </span>Standard Chartered Kenya Nominees Limitedi<span class=\"_ _3eb\"> </span>100<span class=\"_ _3eb\"> </span>32<span class=\"_ _3eb\"> </span>Standard Chartered Metropolitan Holdings SALv<span class=\"_ _3eb\"> </span>100A<span class=\"_ _3eb\"> </span>33<span class=\"_ _3eb\"> </span>Cartaban (Malaya) Nominees Sdn Berhadi<span class=\"_ _3eb\"> </span>100<span class=\"_ _3eb\"> </span>34<span class=\"_ _3eb\"> </span>Cartaban Nominees (Asing) Sdn Bhdi<span class=\"_ _3eb\"> </span>100<span class=\"_ _3eb\"> </span>34<span class=\"_ _3eb\"> </span>Cartaban Nominees (Tempatan) Sdn Bhdi<span class=\"_ _3eb\"> </span>100<span class=\"_ _3eb\"> </span>34<span class=\"_ _3eb\"> </span>Golden Maestro Sdn Bhdv<span class=\"_ _3eb\"> </span>100<span class=\"_ _3eb\"> </span>34<span class=\"_ _3eb\"> </span>Price Solutions Sdn Bhdi<span class=\"_ _3eb\"> </span>100<span class=\"_ _3eb\"> </span>34<span class=\"_ _3eb\"> </span>SCBMB Trustee Berhadix<span class=\"_ _3eb\"> </span>100<span class=\"_ _3eb\"> </span>34<span class=\"_ _3eb\"> </span>Standard Chartered Bank Malaysia Berhadi<span class=\"_ _3eb\"> </span>100; 100S<span class=\"_ _3eb\"> </span>34<span class=\"_ _3eb\"> </span>Standard Chartered Saadiq Berhadi<span class=\"_ _3eb\"> </span>100<span class=\"_ _3eb\"> </span>34<span class=\"_ _3eb\"> </span>Resolution Alliance Sdn Bhdv<span class=\"_ _3eb\"> </span>91<span class=\"_ _3eb\"> </span>35, 158<span class=\"_ _3eb\"> </span>Standard Chartered Global Business Services Sdn<span class=\"_ gs1a2\"> </span>Bhdviii<span class=\"_ _3eb\"> </span>100<span class=\"_ _3eb\"> </span>115<span class=\"_ _3eb\"> </span>Assembly Payments Malaysia Sdn. Bhd.iv<span class=\"_ _3eb\"> </span>100<span class=\"_ _3eb\"> </span>37, 15<span class=\"_ _3eb\"> </span><div class=\"gs3ff\"><table class=\"s w119d h2d6\" id=\"_47f1eb68-f5aa-40da-bc0c-cdff311458cf\"><tr><td></td><td class=\"t m0 x23c1 h151 y6d99 ff1 fs64 fc3 sc0 ls50 ws0\">Proportion of </td><td></td></tr><tr><td class=\"t m0 x221 h151 y6d9a ff1 fs64 fc3 sc0 ls50 ws5b\">Name<span class=\"_ _3eb\"> </span></td><td class=\"c n x631 y6d9b w1100 h2d3\"><div class=\"t m0 x1ed h153 y6bd7 ff4 fs64 fc3 sc0 ls50 ws5b\">shares held (%)</div></td><td class=\"c n x23c2 y6d9b w1101 h209\"><div class=\"t m0 x1ed h153 y6bd7 ff1 fs64 fc3 sc0 ls50 ws5b\">Footnotes<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y6d9c w119e h20b\"><div class=\"t m0 x1ed hb y659b ff4 fs7 fc3 sc0 ls7 ws7\">Standard Chartered Bank (Mauritius) Limited</div><div class=\"t m0 x23c3 hd1 y6cf0 ff1 fs61 fc3 sc0 ls0 ws0\">i<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 xde8 hba y6d9d ff1 fs7 fc3 sc0 ls7 ws7\">100<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x23c4 h162 y6d9e ff4 fs61 fc3 sc0 ls44 ws49\">38<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"t m0 x221 hb y6d9f ff4 fs7 fc3 sc0 ls7 ws7\">Standard Chartered Private Equity (Mauritius) </td><td></td><td></td></tr><tr><td class=\"c x1ee y6da0 w119f h20b\"><div class=\"t m0 x1ed hb y659b ff4 fs7 fc3 sc0 ls7 ws7\">Limited</div><div class=\"t m0 x23c5 hd1 y6cf0 ff1 fs61 fc3 sc0 ls0 ws0\">i<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 xde8 hba y6da1 ff1 fs7 fc3 sc0 ls7 ws7\">100<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x23c4 hd1 y6da2 ff1 fs61 fc3 sc0 ls44 ws49\">113<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"t m0 x221 hb y6da3 ff4 fs7 fc3 sc0 ls7 ws7\">Standard Chartered Private Equity (Mauritius) II </td><td></td><td></td></tr><tr><td class=\"c x1ee y6da4 w119f h20b\"><div class=\"t m0 x1ed hb y659b ff4 fs7 fc3 sc0 ls7 ws7\">Limited</div><div class=\"t m0 x23c5 hd1 y6cf0 ff1 fs61 fc3 sc0 ls0 ws0\">i<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 xde8 hba y6da5 ff1 fs7 fc3 sc0 ls7 ws7\">100<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x23c4 hd1 y6da6 ff1 fs61 fc3 sc0 ls44 ws49\">113<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"t m0 x221 hb y6da7 ff4 fs7 fc3 sc0 ls7 ws7\">Standard Chartered Private Equity (Mauritius) lll </td><td></td><td></td></tr><tr><td class=\"c x1ee y6da8 w119f h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">Limited</div><div class=\"t m0 x23c5 hd1 y659f ff1 fs61 fc3 sc0 ls0 ws0\">i<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 xde8 hba y6da9 ff1 fs7 fc3 sc0 ls7 ws7\">100<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x23c4 hd1 y6daa ff1 fs61 fc3 sc0 ls44 ws49\">113<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c x1ee y6dab w11a0 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">Subcontinental Equities Limited</div><div class=\"t m0 x23c6 hd1 y659f ff1 fs61 fc3 sc0 ls0 ws0\">v<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 xde8 hba y6dac ff1 fs7 fc3 sc0 ls7 ws7\">100<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x23c4 h162 y6dad ff4 fs61 fc3 sc0 ls44 ws49\">39<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c x1ee y6dae w11a1 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">Standard Chartered Bank Nepal Limited</div><div class=\"t m0 x23c7 hd1 y6bed ff1 fs61 fc3 sc0 ls0 ws0\">i<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 xb9b hb y6daf ff4 fs7 fc3 sc0 ls7 ws7\">70.21<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x23c8 hd1 y6db0 ff1 fs61 fc3 sc0 ls44 ws49\">40<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c x1ee y6db1 w1122 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">Standard Chartered Holdings (Africa) B.V.</div><div class=\"t m0 x2331 hd1 y659f ff1 fs61 fc3 sc0 ls0 ws0\">v<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 xde8 hba y6db2 ff1 fs7 fc3 sc0 ls7 ws7\">100<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xd2b h162 y6db3 ff4 fs61 fc3 sc0 ls44 ws49\">1, 161<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c x1ee y6db4 w11a2 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">Standard Chartered Holdings (Asia Pacific) B.V.</div><div class=\"t m0 x23c9 hd1 y659f ff1 fs61 fc3 sc0 ls0 ws0\">v<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 xde8 hba y6db5 ff1 fs7 fc3 sc0 ls7 ws7\">100<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xd2b h162 y6db6 ff4 fs61 fc3 sc0 ls44 ws49\">1, 161<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c x1ee y6db7 w11a3 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">Standard Chartered Holdings (International) B.V.</div><div class=\"t m0 x23ca hd1 y659f ff1 fs61 fc3 sc0 ls0 ws0\">v<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 xde8 hba y6db8 ff1 fs7 fc3 sc0 ls7 ws7\">100<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xd2b h162 y6db9 ff4 fs61 fc3 sc0 ls44 ws49\">1, 161<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c x1ee y6dba w11a4 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">Standard Chartered MB Holdings B.V.</div><div class=\"t m0 x23cb hd1 y659f ff1 fs61 fc3 sc0 ls0 ws0\">v<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 xde8 hba y6dbb ff1 fs7 fc3 sc0 ls7 ws7\">100<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xd2b h162 y6dbc ff4 fs61 fc3 sc0 ls44 ws49\">1, 161<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c x1ee y6dbd w11a5 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">PromisePay Limited</div><div class=\"t m0 x23cc hd1 y659f ff1 fs61 fc3 sc0 ls44 ws49\">iv<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 xde8 hba y6dbe ff1 fs7 fc3 sc0 ls7 ws7\">100<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x161d h162 y6dbf ff4 fs61 fc3 sc0 ls44 ws49\">41, 158<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c x1ee y6dc0 w11a6 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">Standard Chartered Bank Nigeria Limited</div><div class=\"t m0 x18d8 hd1 y659f ff1 fs61 fc3 sc0 ls0 ws0\">i<span class=\"_ _3eb\"> </span></div></td><td class=\"c x23ce y6dc0 w11a7 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">100; 100</div><div class=\"t m0 x23cd hd1 y659f ff1 fs61 fc3 sc0 ls44 ws49\">N,T<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x23cf y6dc1 w11a8 h2cc\"><div class=\"t m0 x1ed hd1 y6be4 ff1 fs61 fc3 sc0 ls44 ws49\">42<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x221 hba y6dc2 ff1 fs7 fc3 sc0 ls7 ws0\">Standard Chartered Capital &amp; Advisory </td><td></td><td></td></tr><tr><td class=\"c x1ee y6dc3 w11a9 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">Nigeria<span class=\"_ gs1a2\"> </span>Limited</div><div class=\"t m0 x1904 hd1 y659f ff1 fs61 fc3 sc0 ls0 ws0\">i<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 xde8 hba y6dc4 ff1 fs7 fc3 sc0 ls7 ws7\">100<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x23c4 hd1 y6dc5 ff1 fs61 fc3 sc0 ls44 ws49\">42<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c x1ee y6bee w11aa h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">Standard Chartered Nominees (Nigeria) Limited</div><div class=\"t m0 x23d0 hd1 y659f ff1 fs61 fc3 sc0 ls0 ws0\">i<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 xde8 hba y6dc6 ff1 fs7 fc3 sc0 ls7 ws7\">100<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x23c4 hd1 y6dc7 ff1 fs61 fc3 sc0 ls44 ws49\">42<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c x1ee y6dc8 w11ab h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">Standard Chartered Bank (Pakistan) Limited</div><div class=\"t m0 x23d1 hd1 y659f ff1 fs61 fc3 sc0 ls0 ws0\">i<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 xb97 hb y6dc9 ff4 fs7 fc3 sc0 ls7 ws7\">98.986<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x23c4 hd1 y6dca ff1 fs61 fc3 sc0 ls44 ws49\">43<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"t m0 x221 hba y6dcb ff1 fs7 fc3 sc0 ls7 ws0\">Standard Chartered Group Services, Manila </td><td></td><td></td></tr><tr><td class=\"c x1ee y6dcc w11ac h210\"><div class=\"t m0 x1ed hba y65a9 ff1 fs7 fc3 sc0 ls7 ws7\">Incorporated</div><div class=\"t m0 xfaf h162 y65aa ff4 fs61 fc3 sc0 ls44 ws49\">viii<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 xde8 hba y6dcd ff1 fs7 fc3 sc0 ls7 ws7\">100<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x23c4 hd1 y6dce ff1 fs61 fc3 sc0 ls44 ws49\">44<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"t m0 x221 hba y6dcf ff1 fs7 fc3 sc0 ls7 ws0\">Standard Chartered Global Business Services </td><td></td><td></td></tr><tr><td class=\"c x1ee y6dd0 w11ad h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">sp\u00f3\u0142ka z ograniczon\u0105 odpowiedzialno\u015bci\u0105</div><div class=\"t m0 x2331 h162 y659f ff4 fs61 fc3 sc0 ls44 ws49\">viii<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 xde8 hba y6dd1 ff1 fs7 fc3 sc0 ls7 ws7\">100<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x23c4 hd1 y6dd2 ff1 fs61 fc3 sc0 ls44 ws49\">45<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c x1ee y6dd3 w11ae h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">Standard Chartered Capital (Saudi Arabia)</div><div class=\"t m0 x23d2 hd1 y6bed ff1 fs61 fc3 sc0 ls0 ws0\">i<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 xde8 hba y6dd4 ff1 fs7 fc3 sc0 ls7 ws7\">100<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x23c8 h162 y6dd5 ff4 fs61 fc3 sc0 ls44 ws49\">116<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"t m0 x221 hb y6dd6 ff4 fs7 fc3 sc0 ls7 ws7\">Standard Chartered Private Equity (Singapore) </td><td></td><td></td></tr><tr><td class=\"c x1ee y6dd7 w11af h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">Pte. Ltd</div><div class=\"t m0 x23c5 hd1 y659f ff1 fs61 fc3 sc0 ls0 ws0\">v<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 xde8 hba y6dd8 ff1 fs7 fc3 sc0 ls7 ws7\">100<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x23c4 h162 y6dd9 ff4 fs61 fc3 sc0 ls44 ws49\">46<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"t m0 x221 hba y6dda ff1 fs7 fc3 sc0 ls7 ws0\">Standard Chartered Real Estate Investment </td><td></td><td></td></tr><tr><td class=\"c x1ee y6ddb w11b0 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">Holdings (Singapore) Private Limited</div><div class=\"t m0 x23d3 hd1 y6bed ff1 fs61 fc3 sc0 ls0 ws0\">v<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 xde8 hba y6ddc ff1 fs7 fc3 sc0 ls7 ws7\">100<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x23c4 h162 y6ddd ff4 fs61 fc3 sc0 ls44 ws49\">46<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c x1ee y6dde w11b1 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">Raffles Nominees (Pte.) Limited</div><div class=\"t m0 x23d4 hd1 y659f ff1 fs61 fc3 sc0 ls0 ws0\">i<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 xde8 hba y6ddf ff1 fs7 fc3 sc0 ls7 ws7\">100<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x23c4 h162 y6de0 ff4 fs61 fc3 sc0 ls44 ws49\">47<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c x1ee y6de1 w11b2 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">SCTS Capital Pte. Ltd</div><div class=\"t m0 x99f hd1 y659f ff1 fs61 fc3 sc0 ls0 ws0\">i<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 xde8 hba y6de2 ff1 fs7 fc3 sc0 ls7 ws7\">100<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x23c4 h162 y6de3 ff4 fs61 fc3 sc0 ls44 ws49\">48<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c x1ee y6de4 w11b3 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">SCTS Management Pte. Ltd.</div><div class=\"t m0 x23d5 hd1 y659f ff1 fs61 fc3 sc0 ls0 ws0\">i<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 xde8 hba y6de5 ff1 fs7 fc3 sc0 ls7 ws7\">100<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x23c4 h162 y6de6 ff4 fs61 fc3 sc0 ls44 ws49\">48<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c x1ee y6de7 w11b4 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">Standard Chartered Bank (Singapore) Limited</div><div class=\"t m0 x23a5 hd1 y659f ff1 fs61 fc3 sc0 ls0 ws0\">i</div></td><td class=\"c x23d7 y6de8 w11b5 h241\"><div class=\"t m0 x1ed hba y65a9 ff1 fs7 fc3 sc0 ls7 ws7\">100</div><div class=\"t m0 x23d6 hd1 y65aa ff1 fs61 fc3 sc0 ls44 ws49\">A,B,C,U,V,W<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x23c4 h162 y6de9 ff4 fs61 fc3 sc0 ls44 ws49\">48<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c x1ee y6dea w11b6 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">Standard Chartered Trust (Singapore) Limited</div><div class=\"t m0 x23a5 hd1 y659f ff1 fs61 fc3 sc0 ls44 ws49\">ix<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 xde8 hba y6deb ff1 fs7 fc3 sc0 ls7 ws7\">100<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x23c4 h162 y6dec ff4 fs61 fc3 sc0 ls44 ws49\">48<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"t m0 x221 hb y6ded ff4 fs7 fc3 sc0 ls7 ws7\">Standard Chartered Holdings (Singapore) Private </td><td></td><td></td></tr><tr><td class=\"c x1ee y6dee w11af h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">Limited</div><div class=\"t m0 x23c5 hd1 y659f ff1 fs61 fc3 sc0 ls0 ws0\">v<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 xde8 hba y6def ff1 fs7 fc3 sc0 ls7 ws7\">100<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x23c4 h162 y6df0 ff4 fs61 fc3 sc0 ls44 ws49\">48<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"t m0 x221 hb y6df1 ff4 fs7 fc3 sc0 ls7 ws7\">Standard Chartered Nominees (Singapore) </td><td></td><td></td></tr><tr><td class=\"c x1ee y6df2 w11b7 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">Pte<span class=\"_ gs1a2\"> </span>Ltd</div><div class=\"t m0 x7ca hd1 y659f ff1 fs61 fc3 sc0 ls0 ws0\">i<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 xde8 hba y6df3 ff1 fs7 fc3 sc0 ls7 ws7\">100<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x23c4 h162 y6df4 ff4 fs61 fc3 sc0 ls44 ws49\">48<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c x1ee y6df5 w11b8 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">Audax Financial Technology Pte. Ltd</div><div class=\"t m0 xfce hd1 y659f ff1 fs61 fc3 sc0 ls44 ws49\">iv<span class=\"_ _3eb\"> </span></div></td><td class=\"c x2361 y6df6 w11b9 h212\"><div class=\"t m0 x1ed hba y65a9 ff1 fs7 fc3 sc0 ls7 ws7\">100</div><div class=\"t m0 x23d8 h162 y65aa ff1 fs61 fc3 sc0 ls0 ws0\">A<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x23d9 y6df7 w11ba h2ce\"><div class=\"t m0 x1ed h162 y6bef ff4 fs61 fc3 sc0 ls44 ws49\">147<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y6df8 w11bb h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">CashEnable Pte. Ltd.</div><div class=\"t m0 x1934 hd1 y659f ff1 fs61 fc3 sc0 ls44 ws49\">iv<span class=\"_ _3eb\"> </span></div></td><td class=\"c x2361 y6df9 w11b9 h212\"><div class=\"t m0 x1ed hba y65a9 ff1 fs7 fc3 sc0 ls7 ws7\">100</div><div class=\"t m0 x23d8 h162 y65aa ff1 fs61 fc3 sc0 ls0 ws0\">A<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x23da y6dfa w11bc h2ce\"><div class=\"t m0 x1ed h162 y6bef ff4 fs61 fc3 sc0 ls44 ws49\">146<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y6dfb w11bd h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">Letsbloom Pte. Ltd.</div><div class=\"t m0 x23db hd1 y659f ff1 fs61 fc3 sc0 ls44 ws49\">iv<span class=\"_ _3eb\"> </span></div></td><td class=\"c x2361 y6dfc w11b9 h212\"><div class=\"t m0 x1ed hba y65a9 ff1 fs7 fc3 sc0 ls7 ws7\">100</div><div class=\"t m0 x23d8 h162 y65aa ff1 fs61 fc3 sc0 ls0 ws0\">A<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x23dc y6dfd w11be h2ce\"><div class=\"t m0 x1ed h162 y6bef ff4 fs61 fc3 sc0 ls44 ws49\">90<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y6dfe w11bf h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">Libeara (Singapore) Pte. Ltd.</div><div class=\"t m0 x239d hd1 y659f ff1 fs61 fc3 sc0 ls44 ws49\">iv<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 xde8 hba y6dff ff1 fs7 fc3 sc0 ls7 ws7\">100<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x23c4 h162 y6e00 ff4 fs61 fc3 sc0 ls44 ws49\">90<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c x1ee y6e01 w11c0 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">Libeara Pte. Ltd.</div><div class=\"t m0 xec4 hd1 y659f ff1 fs61 fc3 sc0 ls0 ws0\">v<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 xde8 hba y6e02 ff1 fs7 fc3 sc0 ls7 ws7\">100<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x23c4 h162 y6e03 ff4 fs61 fc3 sc0 ls44 ws49\">90<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c x1ee y6e04 w11c1 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">SCV Research and Development Pte. Ltd.</div><div class=\"t m0 x23dd hd1 y659f ff1 fs61 fc3 sc0 ls44 ws49\">iv<span class=\"_ _3eb\"> </span></div></td><td class=\"c x2361 y6e05 w11b9 h241\"><div class=\"t m0 x1ed hba y65a9 ff1 fs7 fc3 sc0 ls7 ws7\">100</div><div class=\"t m0 x23d8 hd1 y65aa ff1 fs61 fc3 sc0 ls0 ws0\">A<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x23da y6e06 w11c2 h2cc\"><div class=\"t m0 x1ed hd1 y6be4 ff1 fs61 fc3 sc0 ls44 ws49\">145<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y6e07 w11c3 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">Zodia Custody (Singapore) Pte. Ltd.</div><div class=\"t m0 x23de hd1 y659f ff1 fs61 fc3 sc0 ls44 ws49\">iv<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 xde8 hba y6e08 ff1 fs7 fc3 sc0 ls7 ws7\">100<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x23df hd1 y6e09 ff1 fs61 fc3 sc0 ls44 ws49\">145<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c x1ee y6e0a w11c4 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">Power2SME Pte. Ltd.</div><div class=\"t m0 x1934 hd1 y659f ff1 fs61 fc3 sc0 ls0 ws0\">v<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x60c hb y6e0b ff4 fs7 fc3 sc0 ls7 ws7\">91.577<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x23df h162 y6e0c ff4 fs61 fc3 sc0 ls44 ws49\">146<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c x1ee y6e0d w11c5 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">SCV Master Holding Company Pte. Ltd.</div><div class=\"t m0 x23e0 hd1 y659f ff1 fs61 fc3 sc0 ls0 ws0\">v<span class=\"_ _3eb\"> </span></div></td><td class=\"c x23e1 y6e0d w11c6 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">100; 100</div><div class=\"t m0 xe39 h162 y659f ff1 fs61 fc3 sc0 ls0 ws0\">M<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x23e2 y6e0e w11c7 h2ce\"><div class=\"t m0 x1ed h162 y6bef ff4 fs61 fc3 sc0 ls44 ws49\">146<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y6e0f w11c8 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">Solv-India Pte. Ltd.</div><div class=\"t m0 x23e3 hd1 y659f ff1 fs61 fc3 sc0 ls0 ws0\">v<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 xde8 hba y6e10 ff1 fs7 fc3 sc0 ls7 ws7\">100<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x23df h162 y6e11 ff4 fs61 fc3 sc0 ls44 ws49\">146<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c x1ee y6e12 w11c9 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">Trust Bank Singapore Limited</div><div class=\"t m0 x23e4 hd1 y659f ff1 fs61 fc3 sc0 ls0 ws0\">i<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 xd2d hb y6e13 ff4 fs7 fc3 sc0 ls7 ws7\">60<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x23df hd1 y6e14 ff1 fs61 fc3 sc0 ls44 ws49\">130<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c x1ee y6e15 w11ca h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">CurrencyFair (Singapore) Pte.Ltd</div><div class=\"t m0 x23e5 hd1 y659f ff1 fs61 fc3 sc0 ls44 ws49\">iv<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 xde8 hba y6e16 ff1 fs7 fc3 sc0 ls7 ws7\">100<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x161d h162 y6e17 ff4 fs61 fc3 sc0 ls44 ws49\">49, 158<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c x1ee y6e18 w11cb h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">Assembly Payments SGP Pte. Ltd.</div><div class=\"t m0 x23e6 hd1 y659f ff1 fs61 fc3 sc0 ls44 ws49\">iv<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 xde8 hba y6e19 ff1 fs7 fc3 sc0 ls7 ws7\">100<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x179e h162 y6e1a ff4 fs61 fc3 sc0 ls44 ws49\">50, 158<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c x1ee y6e1b w11cc h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">Assembly Payments Pte. Ltd.</div><div class=\"t m0 x23d5 hd1 y659f ff1 fs61 fc3 sc0 ls44 ws49\">iv<span class=\"_ _3eb\"> </span></div></td><td class=\"c x23e8 y6e1b w11cd h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">100; 100</div><div class=\"t m0 x23e7 h162 y659f ff1 fs61 fc3 sc0 ls0 ws0\">J<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x23e9 y6e1c w11ce h2ce\"><div class=\"t m0 x1ed h162 y6bef ff4 fs61 fc3 sc0 ls44 ws49\">50, 158<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x221 hba y6e1d ff1 fs7 fc3 sc0 ls7 ws0\">Standard Chartered Nominees South Africa </td><td></td><td></td></tr><tr><td class=\"c x1ee y6e1e w11cf h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">Proprietary Limited (RF)</div><div class=\"t m0 x23ea hd1 y659f ff1 fs61 fc3 sc0 ls0 ws0\">i<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 xde8 hba y6e1f ff1 fs7 fc3 sc0 ls7 ws7\">100<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x23c4 hd1 y6e20 ff1 fs61 fc3 sc0 ls44 ws49\">52<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c x1ee y6e21 w11d0 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">Standard Chartered Bank Tanzania Limited</div><div class=\"t m0 x23eb hd1 y659f ff1 fs61 fc3 sc0 ls0 ws0\">i<span class=\"_ _3eb\"> </span></div></td><td class=\"c x23e8 y6e21 w11cd h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">100; 100</div><div class=\"t m0 x23e7 hd1 y659f ff1 fs61 fc3 sc0 ls0 ws0\">J<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x23ec y6e22 w11d1 h2cc\"><div class=\"t m0 x1ed hd1 y6be4 ff1 fs61 fc3 sc0 ls44 ws49\">53<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y6e23 w11aa h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">Standard Chartered Tanzania Nominees Limited</div><div class=\"t m0 x23d0 hd1 y659f ff1 fs61 fc3 sc0 ls0 ws0\">i<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 xde8 hba y6e24 ff1 fs7 fc3 sc0 ls7 ws7\">100<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x23c4 hd1 y6e25 ff1 fs61 fc3 sc0 ls44 ws49\">53<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"t m0 x221 hb y6e26 ff4 fs7 fc3 sc0 ls7 ws7\">Standard Chartered Bank (Thai) Public </td><td></td><td></td></tr><tr><td class=\"c x1ee y6e27 w11d2 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">Company<span class=\"_ gs1a2\"> </span>Limited</div><div class=\"t m0 x23ed hd1 y659f ff1 fs61 fc3 sc0 ls0 ws0\">i<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x52b hb y6e28 ff4 fs7 fc3 sc0 ls7 ws7\">99.87<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x23c4 hd1 y6e29 ff1 fs61 fc3 sc0 ls44 ws49\">54<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"t m0 x221 hb y6e2a ff4 fs7 fc3 sc0 ls7 ws7\">Standard Chartered Yatirim Bankasi Turk </td><td></td><td></td></tr><tr><td class=\"c x1ee y6d8b w11d3 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">Anonim<span class=\"_ gs1a2\"> </span>Sirket</div><div class=\"t m0 x23ee h162 y659f ff4 fs61 fc3 sc0 ls44 ws49\">ii<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 xde8 hba y6e2b ff1 fs7 fc3 sc0 ls7 ws7\">100<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x23c4 hd1 y6e2c ff1 fs61 fc3 sc0 ls44 ws49\">55<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c x1ee y6d8e w11d4 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">Standard Chartered Bank Uganda Limited</div><div class=\"t m0 x23ef hd1 y659f ff1 fs61 fc3 sc0 ls0 ws0\">i<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 xde8 hba y6e2d ff1 fs7 fc3 sc0 ls7 ws7\">100<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x23c4 h162 y6e2e ff4 fs61 fc3 sc0 ls44 ws49\">56<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c x1ee y6e2f w11d5 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">Furaha Finserve Uganda Limited</div><div class=\"t m0 x23f0 hd1 y659f ff1 fs61 fc3 sc0 ls0 ws0\">i<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x5f9 hb y6e30 ff4 fs7 fc3 sc0 ls7 ws7\">100.001<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x23c4 h162 y6e31 ff4 fs61 fc3 sc0 ls44 ws49\">57<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c x1ee y65c1 w11b8 h241\"><div class=\"t m0 x1ed hba y65a9 ff1 fs7 fc3 sc0 ls7 ws0\">Appro Onboarding Solutions FZ-LLC</div><div class=\"t m0 xfce hd1 y65aa ff1 fs61 fc3 sc0 ls44 ws49\">iv<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 xde8 hba y6e32 ff1 fs7 fc3 sc0 ls7 ws7\">100<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x23c4 h162 y6e33 ff4 fs61 fc3 sc0 ls44 ws49\">58<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c x1ee y6ce7 w11d6 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">Financial Inclusion Technologies Ltd</div><div class=\"t m0 x9db hd1 y659f ff1 fs61 fc3 sc0 ls0 ws0\">v<span class=\"_ _3eb\"> </span></div></td><td class=\"c x2361 y6567 w11b9 h212\"><div class=\"t m0 x1ed hba y65a9 ff1 fs7 fc3 sc0 ls7 ws7\">100</div><div class=\"t m0 x23d8 h162 y65aa ff1 fs61 fc3 sc0 ls0 ws0\">A<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x23dc y6e34 w11d7 h2ce\"><div class=\"t m0 x1ed h162 y6bef ff4 fs61 fc3 sc0 ls44 ws49\">94<span class=\"_ _3eb\"> </span></div></td></tr></table></div><div class=\"gsa10\"><table class=\"s w1169 h2d2\" id=\"_37422aa3-bfd7-44a7-b52c-aa60060ff6c6\"><tr><td></td><td class=\"t m0 x2381 h151 y6cea ff1 fs64 fc3 sc0 ls50 ws0\">Proportion of </td><td></td></tr><tr><td class=\"t m0 x2382 h151 y6ceb ff1 fs64 fc3 sc0 ls50 ws5b\">Name<span class=\"_ _3eb\"> </span></td><td class=\"c n x230b y6cec w1100 h2d3\"><div class=\"t m0 x1ed h153 y6bd7 ff4 fs64 fc3 sc0 ls50 ws5b\">shares held (%)</div></td><td class=\"c n x2383 y6cec w1133 h209\"><div class=\"t m0 x1ed h153 y6bd7 ff1 fs64 fc3 sc0 ls50 ws5b\">Footnotes<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y6cef w116a h2d4\"><div class=\"t m0 x1ed hba y6ced ff1 fs7 fc3 sc0 ls7 ws0\">Furaha Holding Ltd</div><div class=\"t m0 x2384 hd1 y6cee ff1 fs61 fc3 sc0 ls0 ws0\">v<span class=\"_ _3eb\"> </span></div></td><td class=\"c x2386 y6cf1 w116b h20b\"><div class=\"t m0 x1ed hb y659b ff4 fs7 fc3 sc0 ls7 ws7\">100; 100</div><div class=\"t m0 x2385 h162 y6cf0 ff1 fs61 fc3 sc0 ls0 ws0\">B<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2387 y6cf3 w116c h2d5\"><div class=\"t m0 x1ed h162 y6cf2 ff4 fs61 fc3 sc0 ls44 ws49\">59<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y6cf4 w116d h20b\"><div class=\"t m0 x1ed hb y659b ff4 fs7 fc3 sc0 ls7 ws7\">myZoi Financial Inclusion Technologies LLC</div><div class=\"t m0 x2388 hd1 y6cf0 ff1 fs61 fc3 sc0 ls44 ws49\">iv<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x2389 hba y6cf5 ff1 fs7 fc3 sc0 ls7 ws7\">100<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x238a h162 y6cf6 ff4 fs61 fc3 sc0 ls44 ws49\">61<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"t m0 x2382 hb y6cf7 ff4 fs7 fc3 sc0 ls7 ws7\">Standard Chartered Bank International (Americas) </td><td></td><td></td></tr><tr><td class=\"c x1ee y6cf8 w116e h20b\"><div class=\"t m0 x1ed hb y659b ff4 fs7 fc3 sc0 ls7 ws7\">Limited</div><div class=\"t m0 x238b hd1 y6cf0 ff1 fs61 fc3 sc0 ls0 ws0\">i<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x2389 hba y6cf9 ff1 fs7 fc3 sc0 ls7 ws7\">100<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x238a hd1 y6cfa ff1 fs61 fc3 sc0 ls44 ws49\">111<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c x1ee y6cfb w116f h20c\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">Standard Chartered Holdings Inc.</div><div class=\"t m0 x238c hd1 y659f ff1 fs61 fc3 sc0 ls0 ws0\">v<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x2389 hba y6cfc ff1 fs7 fc3 sc0 ls7 ws7\">100<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x238a h162 y6cfd ff4 fs61 fc3 sc0 ls44 ws49\">62<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"t m0 x2382 hb y6cfe ff4 fs7 fc3 sc0 ls7 ws7\">Standard Chartered Securities (North America) </td><td></td><td></td></tr><tr><td class=\"c x1ee y6cff w1170 h241\"><div class=\"t m0 x1ed hba y65a9 ff1 fs7 fc3 sc0 ls7 ws7\">LLC</div><div class=\"t m0 x4b5 hd1 y65aa ff1 fs61 fc3 sc0 ls0 ws0\">i<span class=\"_ _3eb\"> </span></div></td><td class=\"c x238e y6cff w1171 h20d\"><div class=\"t m0 x1ed hba y65a9 ff1 fs7 fc3 sc0 ls7 ws7\">100</div><div class=\"t m0 x238d h162 y65aa ff1 fs61 fc3 sc0 ls44 ws49\">AA<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x238f y6d00 w1150 h2d1\"><div class=\"t m0 x1ed h162 y6bef ff4 fs61 fc3 sc0 ls44 ws49\">62<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y6d01 w1172 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">CurrencyFair (USA) Inc</div><div class=\"t m0 x2390 hd1 y6bed ff1 fs61 fc3 sc0 ls44 ws49\">iv<span class=\"_ _3eb\"> </span></div></td><td class=\"c x238e y6d02 w1173 h20d\"><div class=\"t m0 x1ed hba y65a9 ff1 fs7 fc3 sc0 ls7 ws7\">100</div><div class=\"t m0 x238d h162 y65be ff1 fs61 fc3 sc0 ls44 ws49\">AC<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2391 y6d03 w1174 h2d1\"><div class=\"t m0 x1ed h162 y6bef ff4 fs61 fc3 sc0 ls44 ws49\">64, 158<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y6d04 w1175 h241\"><div class=\"t m0 x1ed hba y65a9 ff1 fs7 fc3 sc0 ls7 ws0\">Standard Chartered Trade Services Corporation</div><div class=\"t m0 x2392 hd1 y65aa ff1 fs61 fc3 sc0 ls0 ws0\">i<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x2389 hba y6d05 ff1 fs7 fc3 sc0 ls7 ws7\">100<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x238a h162 y6d06 ff4 fs61 fc3 sc0 ls44 ws49\">89<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c x1ee y6d07 w1176 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">Standard Chartered Bank (Vietnam) Limited</div><div class=\"t m0 x2393 hd1 y659f ff1 fs61 fc3 sc0 ls0 ws0\">i<span class=\"_ _3eb\"> </span></div></td><td class=\"c x2395 y6d08 w1177 h20d\"><div class=\"t m0 x1ed hba y65a9 ff1 fs7 fc3 sc0 ls7 ws7\">100</div><div class=\"t m0 x2394 h162 y65aa ff1 fs61 fc3 sc0 ls0 ws0\">X<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2396 y6d09 w116c h2d1\"><div class=\"t m0 x1ed h162 y6bef ff4 fs61 fc3 sc0 ls44 ws49\">65<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y6d0a w1178 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">Sky Harmony Holdings Limited</div><div class=\"t m0 x2397 hd1 y659f ff1 fs61 fc3 sc0 ls0 ws0\">v<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x2389 hba y6d0b ff1 fs7 fc3 sc0 ls7 ws7\">100<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x2398 h162 y6d0c ff4 fs61 fc3 sc0 ls44 ws49\">118<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c x1ee y6d0d w1179 h241\"><div class=\"t m0 x1ed hba y65a9 ff1 fs7 fc3 sc0 ls7 ws0\">Standard Chartered Bank Zambia Plc</div><div class=\"t m0 x2399 hd1 y65aa ff1 fs61 fc3 sc0 ls0 ws0\">i<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x239a hb y6d0e ff4 fs7 fc3 sc0 ls7 ws7\">90<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x2398 h162 y6d0f ff4 fs61 fc3 sc0 ls44 ws49\">119<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"t m0 x2382 hb y6d10 ff4 fs7 fc3 sc0 ls7 ws7\">Standard Chartered Zambia Securities Services </td><td></td><td></td></tr><tr><td class=\"c x1ee y6d11 w117a h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">Nominees Limited</div><div class=\"t m0 x239b hd1 y659f ff1 fs61 fc3 sc0 ls0 ws0\">i<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x2389 hba y6d12 ff1 fs7 fc3 sc0 ls7 ws7\">100<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x239c h162 y6d13 ff4 fs61 fc3 sc0 ls44 ws49\">138<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c x1ee y6d14 w117b h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">Stanchart Nominees Limited</div><div class=\"t m0 x239d hd1 y659f ff1 fs61 fc3 sc0 ls0 ws0\">i<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x2389 hba y6d15 ff1 fs7 fc3 sc0 ls7 ws7\">100<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x239e h162 y6d16 ff4 fs61 fc3 sc0 ls44 ws49\">1, 164<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c x1ee y6d17 w117c h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">Standard Chartered Holdings Limited</div><div class=\"t m0 x2399 hd1 y659f ff1 fs61 fc3 sc0 ls0 ws0\">v<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x2389 hba y6d18 ff1 fs7 fc3 sc0 ls7 ws7\">100<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x239f h162 y6d19 ff4 fs61 fc3 sc0 ls44 ws49\">1, 163, 164, 159<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c x1ee y6d1a w117d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">Standard Chartered NEA Limited</div><div class=\"t m0 x23a0 hd1 y659f ff1 fs61 fc3 sc0 ls0 ws0\">v<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x2389 hba y6d1b ff1 fs7 fc3 sc0 ls7 ws7\">100<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x239e h162 y6d1c ff4 fs61 fc3 sc0 ls44 ws49\">1, 163<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c x1ee y6d1d w117e h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">Standard Chartered Nominees Limited</div><div class=\"t m0 x23a1 hd1 y659f ff1 fs61 fc3 sc0 ls0 ws0\">i<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x2389 hba y6d1e ff1 fs7 fc3 sc0 ls7 ws7\">100<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x239e h162 y6d1f ff4 fs61 fc3 sc0 ls44 ws49\">1, 164<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"t m0 x2382 hb y6d20 ff4 fs7 fc3 sc0 ls7 ws7\">Standard Chartered (Guangzhou) Business </td><td></td><td></td></tr><tr><td class=\"c x1ee y6d21 w117f h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">Management Co., Ltd.</div><div class=\"t m0 x2390 h162 y659f ff4 fs61 fc3 sc0 ls44 ws49\">ii<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x2389 hba y6d22 ff1 fs7 fc3 sc0 ls7 ws7\">100<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x23a2 h162 y6d23 ff4 fs61 fc3 sc0 ls44 ws49\">120, 159, 160<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c x1ee y6d24 w1180 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">Standard Chartered Bank (China) Limited</div><div class=\"t m0 x23a3 hd1 y659f ff1 fs61 fc3 sc0 ls0 ws0\">i<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x2389 hba y6d25 ff1 fs7 fc3 sc0 ls7 ws7\">100<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x23a4 h162 y6d26 ff4 fs61 fc3 sc0 ls44 ws49\">75, 159, 160<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c x1ee y6d27 w1181 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">Standard Chartered Securities (China) Limited</div><div class=\"t m0 x23a5 hd1 y659f ff1 fs61 fc3 sc0 ls0 ws0\">i<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x2389 hba y6d28 ff1 fs7 fc3 sc0 ls7 ws7\">100<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x23a4 h162 y6d29 ff4 fs61 fc3 sc0 ls44 ws49\">76, 159, 160<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c x1ee y6d2a w1182 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">Horsford Nominees Limited</div><div class=\"t m0 x23a6 hd1 y659f ff1 fs61 fc3 sc0 ls0 ws0\">i<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x2389 hba y6d2b ff1 fs7 fc3 sc0 ls7 ws7\">100<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x238a h162 y6d2c ff4 fs61 fc3 sc0 ls44 ws49\">77<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c x1ee y6d2d w1183 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">Marina Acacia Shipping Limited</div><div class=\"t m0 x23a7 hd1 y659f ff1 fs61 fc3 sc0 ls44 ws49\">vi<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x2389 hba y6d2e ff1 fs7 fc3 sc0 ls7 ws7\">100<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x238a h162 y6d2f ff4 fs61 fc3 sc0 ls44 ws49\">78<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c x1ee y6d30 w1184 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">Marina Amethyst Shipping Limited</div><div class=\"t m0 x23a8 hd1 y659f ff1 fs61 fc3 sc0 ls44 ws49\">vi<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x2389 hba y6d31 ff1 fs7 fc3 sc0 ls7 ws7\">100<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x238a h162 y6d32 ff4 fs61 fc3 sc0 ls44 ws49\">78<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c x1ee y6d33 w1185 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">Marina Angelite Shipping Limited</div><div class=\"t m0 x238c hd1 y659f ff1 fs61 fc3 sc0 ls44 ws49\">vi<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x2389 hba y6d34 ff1 fs7 fc3 sc0 ls7 ws7\">100<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x238a h162 y6d35 ff4 fs61 fc3 sc0 ls44 ws49\">78<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c x1ee y6d36 w1186 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">Marina Beryl Shipping Limited</div><div class=\"t m0 x23a9 hd1 y659f ff1 fs61 fc3 sc0 ls44 ws49\">vi<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x2389 hba y6d37 ff1 fs7 fc3 sc0 ls7 ws7\">100<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x238a h162 y6d38 ff4 fs61 fc3 sc0 ls44 ws49\">78<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c x1ee y6d39 w1185 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">Marina Emerald Shipping Limited</div><div class=\"t m0 x238c hd1 y659f ff1 fs61 fc3 sc0 ls44 ws49\">vi<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x2389 hba y6d3a ff1 fs7 fc3 sc0 ls7 ws7\">100<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x238a h162 y6d3b ff4 fs61 fc3 sc0 ls44 ws49\">78<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c x1ee y6d3c w1187 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">Marina Flax Shipping Limited</div><div class=\"t m0 x23aa hd1 y659f ff1 fs61 fc3 sc0 ls44 ws49\">vi<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x2389 hba y6d3d ff1 fs7 fc3 sc0 ls7 ws7\">100<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x238a h162 y6d3e ff4 fs61 fc3 sc0 ls44 ws49\">78<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c x1ee y6d3f w1188 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">Marina Gloxinia Shipping Limited</div><div class=\"t m0 x23a0 hd1 y659f ff1 fs61 fc3 sc0 ls44 ws49\">vi<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x2389 hba y6d40 ff1 fs7 fc3 sc0 ls7 ws7\">100<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x238a h162 y6d41 ff4 fs61 fc3 sc0 ls44 ws49\">78<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c x1ee y6d42 w1189 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">Marina Hazel Shipping Limited</div><div class=\"t m0 x23ab hd1 y659f ff1 fs61 fc3 sc0 ls44 ws49\">vi<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x2389 hba y6d43 ff1 fs7 fc3 sc0 ls7 ws7\">100<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x238a h162 y6d44 ff4 fs61 fc3 sc0 ls44 ws49\">78<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c x1ee y6d45 w118a h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">Marina Ilex Shipping Limited</div><div class=\"t m0 x23ac hd1 y659f ff1 fs61 fc3 sc0 ls44 ws49\">vi<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x2389 hba y6d46 ff1 fs7 fc3 sc0 ls7 ws7\">100<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x238a h162 y6d47 ff4 fs61 fc3 sc0 ls44 ws49\">78<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c x1ee y6d48 w118b h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">Marina Iridot Shipping Limited</div><div class=\"t m0 x2397 hd1 y659f ff1 fs61 fc3 sc0 ls44 ws49\">vi<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x2389 hba y6d49 ff1 fs7 fc3 sc0 ls7 ws7\">100<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x238a h162 y6d4a ff4 fs61 fc3 sc0 ls44 ws49\">78<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c x1ee y6d4b w1188 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">Marina Mimosa Shipping Limited</div><div class=\"t m0 x23a0 hd1 y659f ff1 fs61 fc3 sc0 ls44 ws49\">vi<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x2389 hba y6d4c ff1 fs7 fc3 sc0 ls7 ws7\">100<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x238a h162 y6d4d ff4 fs61 fc3 sc0 ls44 ws49\">78<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c x1ee y6d4e w118c h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">Marina Moonstone Shipping Limited</div><div class=\"t m0 x23ad hd1 y659f ff1 fs61 fc3 sc0 ls44 ws49\">vi<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x2389 hba y6d4f ff1 fs7 fc3 sc0 ls7 ws7\">100<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x238a h162 y6d50 ff4 fs61 fc3 sc0 ls44 ws49\">78<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c x1ee y6d51 w1183 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">Marina Peridot Shipping Limited</div><div class=\"t m0 x23a7 hd1 y659f ff1 fs61 fc3 sc0 ls44 ws49\">vi<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x2389 hba y6d52 ff1 fs7 fc3 sc0 ls7 ws7\">100<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x238a h162 y6d53 ff4 fs61 fc3 sc0 ls44 ws49\">78<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c x1ee y6d54 w118d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">Marina Sapphire Shipping Limited</div><div class=\"t m0 x23ae hd1 y659f ff1 fs61 fc3 sc0 ls44 ws49\">vi<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x2389 hba y6d55 ff1 fs7 fc3 sc0 ls7 ws7\">100<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x238a h162 y6d56 ff4 fs61 fc3 sc0 ls44 ws49\">78<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c x1ee y6d57 w118c h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">Marina Tourmaline Shipping Limited</div><div class=\"t m0 x23ad hd1 y659f ff1 fs61 fc3 sc0 ls44 ws49\">vi<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x2389 hba y6d58 ff1 fs7 fc3 sc0 ls7 ws7\">100<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x238a h162 y6d59 ff4 fs61 fc3 sc0 ls44 ws49\">78<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"t m0 x2382 hb y6d5a ff4 fs7 fc3 sc0 ls7 ws7\">Standard Chartered Securities (Hong Kong) </td><td></td><td></td></tr><tr><td class=\"c x1ee y6d5b w116e h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">Limited</div><div class=\"t m0 x238b hd1 y659f ff1 fs61 fc3 sc0 ls0 ws0\">i<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x2389 hba y6d5c ff1 fs7 fc3 sc0 ls7 ws7\">100<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x238a h162 y6d5d ff4 fs61 fc3 sc0 ls44 ws49\">78<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c x1ee y6d5e w118e h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">Marina Leasing Limited</div><div class=\"t m0 x23af hd1 y659f ff1 fs61 fc3 sc0 ls44 ws49\">vi<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x2389 hba y6d5f ff1 fs7 fc3 sc0 ls7 ws7\">100<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x238a h162 y6d60 ff4 fs61 fc3 sc0 ls44 ws49\">78<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c x1ee y6d61 w118f h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">Standard Chartered Leasing Group Limited</div><div class=\"t m0 x2377 hd1 y659f ff1 fs61 fc3 sc0 ls0 ws0\">v<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x2389 hba y6d62 ff1 fs7 fc3 sc0 ls7 ws7\">100<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x238a h162 y6d63 ff4 fs61 fc3 sc0 ls44 ws49\">78<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c x1ee y6d64 w1190 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">Standard Chartered Trade Support (HK) Limited</div><div class=\"t m0 x23b0 hd1 y659f ff1 fs61 fc3 sc0 ls0 ws0\">i<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x2389 hba y6d65 ff1 fs7 fc3 sc0 ls7 ws7\">100<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x238a h162 y6d66 ff4 fs61 fc3 sc0 ls44 ws49\">78<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c x1ee y6d67 w1191 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">Mox Bank Limited</div><div class=\"t m0 x23b1 hd1 y6bed ff1 fs61 fc3 sc0 ls0 ws0\">i<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x23b2 hb y6d68 ff4 fs7 fc3 sc0 ls7 ws7\">74.36<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x238a h162 y6d69 ff4 fs61 fc3 sc0 ls44 ws49\">79<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c x1ee y6d6a w1192 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">Standard Chartered Bank (Hong Kong) Limited</div><div class=\"t m0 x23b3 hd1 y659f ff1 fs61 fc3 sc0 ls0 ws0\">i<span class=\"_ _3eb\"> </span></div></td><td class=\"c x23b5 y6d6b w1193 h212\"><div class=\"t m0 x1ed hba y65a9 ff1 fs7 fc3 sc0 ls7 ws7\">100</div><div class=\"t m0 x23b4 h162 y65aa ff1 fs61 fc3 sc0 ls44 ws49\">A,B,C,D<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x23b6 y6d6c w1194 h2ce\"><div class=\"t m0 x1ed h162 y6bef ff4 fs61 fc3 sc0 ls44 ws49\">80<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y6d6d w1195 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">Standard Chartered Trustee (Hong Kong) Limited</div><div class=\"t m0 x23b7 hd1 y659f ff1 fs61 fc3 sc0 ls44 ws49\">ix<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x2389 hba y6d6e ff1 fs7 fc3 sc0 ls7 ws7\">100<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x238a h162 y6d6f ff4 fs61 fc3 sc0 ls44 ws49\">82<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c x1ee y6d70 w1196 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">Standard Chartered Funding (Jersey) Limited</div><div class=\"t m0 x23b8 hd1 y659f ff1 fs61 fc3 sc0 ls0 ws0\">v<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x2389 hba y6d71 ff1 fs7 fc3 sc0 ls7 ws7\">100<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x238a h162 y6d72 ff4 fs61 fc3 sc0 ls44 ws49\">83<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c x1ee y6d73 w1197 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">Standard Chartered Bank Korea Limited</div><div class=\"t m0 x23b9 hd1 y659f ff1 fs61 fc3 sc0 ls0 ws0\">i<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x2389 hba y6d74 ff1 fs7 fc3 sc0 ls7 ws7\">100<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x2398 h162 y6d75 ff4 fs61 fc3 sc0 ls44 ws49\">84<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c x1ee y6d76 w1176 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">Standard Chartered Securities Korea Co., Ltd</div><div class=\"t m0 x2393 hd1 y659f ff1 fs61 fc3 sc0 ls0 ws0\">i<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x2389 hba y6d77 ff1 fs7 fc3 sc0 ls7 ws7\">100<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x238a h162 y6d78 ff4 fs61 fc3 sc0 ls44 ws49\">85<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c x1ee y6d79 w1198 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">Marina Morganite Shipping Limited</div><div class=\"t m0 x23ba hd1 y659f ff1 fs61 fc3 sc0 ls44 ws49\">vi<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x2389 hba y6d7a ff1 fs7 fc3 sc0 ls7 ws7\">100<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x23bb h162 y6d7b ff4 fs61 fc3 sc0 ls44 ws49\">125, 162<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c x1ee y6d7c w118b h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">Marina Moss Shipping Limited</div><div class=\"t m0 x2397 hd1 y6bed ff1 fs61 fc3 sc0 ls44 ws49\">vi<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x2389 hba y6d7d ff1 fs7 fc3 sc0 ls7 ws7\">100<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x23bb h162 y6d7e ff4 fs61 fc3 sc0 ls44 ws49\">125, 162<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c x1ee y6d7f w1199 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">Marina Tanzanite Shipping Limited</div><div class=\"t m0 x23bc hd1 y659f ff1 fs61 fc3 sc0 ls44 ws49\">vi<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x2389 hba y6d80 ff1 fs7 fc3 sc0 ls7 ws7\">100<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x23bb h162 y6d81 ff4 fs61 fc3 sc0 ls44 ws49\">125, 162<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c x1ee y6d82 w118d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">Marina Angelica Shipping Limited</div><div class=\"t m0 x23ae hd1 y659f ff1 fs61 fc3 sc0 ls44 ws49\">vi<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x2389 hba y6d83 ff1 fs7 fc3 sc0 ls7 ws7\">100<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x23bd h162 y6d84 ff4 fs61 fc3 sc0 ls44 ws49\">86, 162<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c x1ee y6d85 w1198 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">Marina Aventurine Shipping Limited</div><div class=\"t m0 x23ba hd1 y659f ff1 fs61 fc3 sc0 ls44 ws49\">vi<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x2389 hba y6d86 ff1 fs7 fc3 sc0 ls7 ws7\">100<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x23bd h162 y6d87 ff4 fs61 fc3 sc0 ls44 ws49\">86, 162<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c x1ee y6d88 w119a h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">Marina Citrine Shipping Limited</div><div class=\"t m0 x23be hd1 y659f ff1 fs61 fc3 sc0 ls44 ws49\">vi<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x2389 hba y6d89 ff1 fs7 fc3 sc0 ls7 ws7\">100<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x23bd h162 y6d8a ff4 fs61 fc3 sc0 ls44 ws49\">86, 162<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c x1ee y6d8b w119a h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">Marina Dahlia Shipping Limited</div><div class=\"t m0 x23be hd1 y659f ff1 fs61 fc3 sc0 ls44 ws49\">vi<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x2389 hba y6d8c ff1 fs7 fc3 sc0 ls7 ws7\">100<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x23bd h162 y6d8d ff4 fs61 fc3 sc0 ls44 ws49\">86, 162<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c x1ee y6d8e w119b h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">Marina Dittany Shipping Limited</div><div class=\"t m0 x23bf hd1 y659f ff1 fs61 fc3 sc0 ls44 ws49\">vi<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x2389 hba y6d8f ff1 fs7 fc3 sc0 ls7 ws7\">100<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x23bd h162 y6d90 ff4 fs61 fc3 sc0 ls44 ws49\">86, 162<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c x1ee y6d91 w1186 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">Marina Lilac Shipping Limited</div><div class=\"t m0 x23a9 hd1 y6bed ff1 fs61 fc3 sc0 ls44 ws49\">vi<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x2389 hba y6d92 ff1 fs7 fc3 sc0 ls7 ws7\">100<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x23bd h162 y6d93 ff4 fs61 fc3 sc0 ls44 ws49\">86, 162<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c x1ee y6d94 w118b h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">Marina Lolite Shipping Limited</div><div class=\"t m0 x2397 hd1 y659f ff1 fs61 fc3 sc0 ls44 ws49\">vi<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x2389 hba y6d95 ff1 fs7 fc3 sc0 ls7 ws7\">100<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x23bd h162 y6d96 ff4 fs61 fc3 sc0 ls44 ws49\">86, 162<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c x1ee y6ce7 w119c h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">Marina Obsidian Shipping Limited</div><div class=\"t m0 x23c0 hd1 y659f ff1 fs61 fc3 sc0 ls44 ws49\">vi<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x2389 hba y6d97 ff1 fs7 fc3 sc0 ls7 ws7\">100<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x23bd h162 y6d98 ff4 fs61 fc3 sc0 ls44 ws49\">86, 162<span class=\"_ _3eb\"> </span></td></tr></table></div><div class=\"gs3ff\"><table class=\"s w11f5 h2e0\" id=\"_a9240f70-45a1-4c8e-8072-aeeb5e3f79c9\"><tr><td></td><td class=\"t m0 x2f6 h151 y6eca ff1 fs64 fc3 sc0 ls50 ws0\">Proportion of </td><td></td></tr><tr><td class=\"t m0 x235 h151 y6ecb ff1 fs64 fc3 sc0 ls50 ws5b\">Name<span class=\"_ _3eb\"> </span></td><td class=\"c n x230b y6ecc w1100 h2d3\"><div class=\"t m0 x1ed h153 y6bd7 ff4 fs64 fc3 sc0 ls50 ws5b\">shares held (%)</div></td><td class=\"c n x230c y6ecc w1101 h209\"><div class=\"t m0 x1ed h153 y6bd7 ff1 fs64 fc3 sc0 ls50 ws5b\">Footnotes<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y6ecd w121d h20b\"><div class=\"t m0 x1ed hb y659b ff4 fs7 fc3 sc0 ls7 ws7\">Marina Quartz Shipping Limited</div><div class=\"t m0 x231b hd1 y6cf0 ff1 fs61 fc3 sc0 ls44 ws49\">vi<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x230e hba y6ece ff1 fs7 fc3 sc0 ls7 ws7\">100<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x2e5 h162 y6ecf ff4 fs61 fc3 sc0 ls44 ws49\">86, 162<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c x1ee y6c7e w121e h20b\"><div class=\"t m0 x1ed hb y659b ff4 fs7 fc3 sc0 ls7 ws7\">Marina Remora Shipping Limited</div><div class=\"t m0 x2415 hd1 y6cf0 ff1 fs61 fc3 sc0 ls44 ws49\">vi<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x230e hba y6ed0 ff1 fs7 fc3 sc0 ls7 ws7\">100<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x2e5 h162 y6ed1 ff4 fs61 fc3 sc0 ls44 ws49\">86, 162<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c x1ee y6ed2 w121f h20b\"><div class=\"t m0 x1ed hb y659b ff4 fs7 fc3 sc0 ls7 ws7\">Marina Turquoise Shipping Limited</div><div class=\"t m0 x2436 hd1 y6cf0 ff1 fs61 fc3 sc0 ls44 ws49\">vi<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x230e hba y6ed3 ff1 fs7 fc3 sc0 ls7 ws7\">100<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x2e5 h162 y6ed4 ff4 fs61 fc3 sc0 ls44 ws49\">86, 162<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c x1ee y6ed5 w1220 h20b\"><div class=\"t m0 x1ed hb y659b ff4 fs7 fc3 sc0 ls7 ws7\">Marina Zircon Shipping Limited</div><div class=\"t m0 x231d hd1 y6cf0 ff1 fs61 fc3 sc0 ls44 ws49\">vi<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x230e hba y6ed6 ff1 fs7 fc3 sc0 ls7 ws7\">100<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x2e5 h162 y6ed7 ff4 fs61 fc3 sc0 ls44 ws49\">86, 162<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c x1ee y6ed8 w1221 h20b\"><div class=\"t m0 x1ed hb y659b ff4 fs7 fc3 sc0 ls7 ws7\">Price Solution Pakistan (Private) Limited</div><div class=\"t m0 x2369 hd1 y6cf0 ff1 fs61 fc3 sc0 ls0 ws0\">i<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x230e hba y6ed9 ff1 fs7 fc3 sc0 ls7 ws7\">100<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1c5f h162 y6eda ff4 fs61 fc3 sc0 ls44 ws49\">87<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c x1ee y6edb w1222 h20b\"><div class=\"t m0 x1ed hb y659b ff4 fs7 fc3 sc0 ls7 ws7\">Standard Chartered Bank (Taiwan) Limited</div><div class=\"t m0 x2437 hd1 y6cf0 ff1 fs61 fc3 sc0 ls0 ws0\">i<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x230e hba y6edc ff1 fs7 fc3 sc0 ls7 ws7\">100<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1c5f h162 y6edd ff4 fs61 fc3 sc0 ls44 ws49\">88<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c x1ee y6ede w1223 h20c\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">CMB Nominees (RF) Proprietary Limited</div><div class=\"t m0 x2369 hd1 y659f ff1 fs61 fc3 sc0 ls44 ws49\">ix<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x230e hba y6edf ff1 fs7 fc3 sc0 ls7 ws7\">100<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1c5f hd1 y6ee0 ff1 fs61 fc3 sc0 ls44 ws49\">52<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c x1ee y6ee1 w1224 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">Letsbloom India Private Limited</div><div class=\"t m0 x2438 hd1 y659f ff1 fs61 fc3 sc0 ls44 ws49\">iv<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x230e hba y6ee2 ff1 fs7 fc3 sc0 ls7 ws7\">100<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1c5f h162 y6ee3 ff4 fs61 fc3 sc0 ls44 ws49\">97<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c x1ee y6ee4 w1225 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">Qatalyst Pte. Ltd.</div><div class=\"t m0 x231f hd1 y659f ff1 fs61 fc3 sc0 ls44 ws49\">iv<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x19a5 hb y6ee5 ff4 fs7 fc3 sc0 ls7 ws7\">72.727<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x17c0 h162 y6ee6 ff4 fs61 fc3 sc0 ls44 ws49\">146<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c x1ee y6ee7 w1224 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">Solv Vietnam Company Limited</div><div class=\"t m0 x2438 hd1 y659f ff1 fs61 fc3 sc0 ls44 ws49\">iv<span class=\"_ _3eb\"> </span></div></td><td class=\"c x2314 y6ee8 w11e h20d\"><div class=\"t m0 x1ed hba y65a9 ff1 fs7 fc3 sc0 ls7 ws7\">100</div><div class=\"t m0 x2313 h162 y65aa ff1 fs61 fc3 sc0 ls0 ws0\">X<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2439 y6ee9 w1226 h2d1\"><div class=\"t m0 x1ed h162 y6bef ff4 fs61 fc3 sc0 ls44 ws49\">98<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y6eea w1227 h241\"><div class=\"t m0 x1ed hba y65a9 ff1 fs7 fc3 sc0 ls7 ws0\">Standard Chartered Funds VCC</div><div class=\"t m0 x2438 hd1 y65aa ff1 fs61 fc3 sc0 ls44 ws49\">ix<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x230e hba y6eeb ff1 fs7 fc3 sc0 ls7 ws7\">100<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1c5f h162 y6eec ff4 fs61 fc3 sc0 ls44 ws49\">48<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c x1ee y6eed w1228 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">TASConnect (Hong Kong) Private Limited</div><div class=\"t m0 x186e hd1 y659f ff1 fs61 fc3 sc0 ls44 ws49\">iv<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x230e hba y6eee ff1 fs7 fc3 sc0 ls7 ws7\">100<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1c5f h162 y6eef ff4 fs61 fc3 sc0 ls44 ws49\">99<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c x1ee y6ef0 w1229 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">TASConnect (Malaysia) Sdn. Bhd.</div><div class=\"t m0 x243a hd1 y659f ff1 fs61 fc3 sc0 ls44 ws49\">iv<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x230e hba y6ef1 ff1 fs7 fc3 sc0 ls7 ws7\">100<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1c5f h162 y6ef2 ff4 fs61 fc3 sc0 ls44 ws49\">36<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"t m0 x235 hb y6ef3 ff4 fs7 fc3 sc0 ls7 ws7\">TASConnect (Shanghai) Financial Technology </td><td></td><td></td></tr><tr><td class=\"c x1ee y6ef4 w122a h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">Pte.<span class=\"_ gs1a2\"> </span>Ltd</div><div class=\"t m0 x231e hd1 y659f ff1 fs61 fc3 sc0 ls44 ws49\">iv<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x230e hba y6ef5 ff1 fs7 fc3 sc0 ls7 ws7\">100<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x2d8 h162 y6ef6 ff4 fs61 fc3 sc0 ls44 ws49\">151, 160<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c x1ee y6df2 w122b h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">Zodia Custody Australia Pty. Ltd.</div><div class=\"t m0 x243b hd1 y659f ff1 fs61 fc3 sc0 ls44 ws49\">iv<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x230e hba y6ef7 ff1 fs7 fc3 sc0 ls7 ws7\">100<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x17c0 h162 y6ef8 ff4 fs61 fc3 sc0 ls44 ws49\">126<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c x1ee y6ef9 w1125 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">Zodia Markets (AME) Limited</div><div class=\"t m0 x2322 hd1 y6bed ff1 fs61 fc3 sc0 ls44 ws49\">iv<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x230e hba y6efa ff1 fs7 fc3 sc0 ls7 ws7\">100<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x17c0 h162 y6efb ff4 fs61 fc3 sc0 ls44 ws49\">127<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c x1ee y6efc w122c h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">Zodia Markets (Jersey) Limited</div><div class=\"t m0 x243c hd1 y659f ff1 fs61 fc3 sc0 ls44 ws49\">iv<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x230e hba y6efd ff1 fs7 fc3 sc0 ls7 ws7\">100<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x17c0 h162 y6efe ff4 fs61 fc3 sc0 ls44 ws49\">129<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c x1ee y6dfb w122d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">Standard Chartered Luxembourg S.A.</div><div class=\"t m0 x23f4 hd1 y659f ff1 fs61 fc3 sc0 ls0 ws0\">i<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x230e hba y6eff ff1 fs7 fc3 sc0 ls7 ws7\">100<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x17c0 h162 y6f00 ff4 fs61 fc3 sc0 ls44 ws49\">106<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c x1ee y6dfe w122e h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">Fourtwothree Pte. Ltd</div><div class=\"t m0 x1a82 hd1 y659f ff1 fs61 fc3 sc0 ls44 ws49\">iv<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x230e hba y6f01 ff1 fs7 fc3 sc0 ls7 ws7\">100<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1c5f h162 y6f02 ff4 fs61 fc3 sc0 ls44 ws49\">90<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c x1ee y6f03 w122f h241\"><div class=\"t m0 x1ed hba y65a9 ff1 fs7 fc3 sc0 ls7 ws0\">HAL Holding Ltd</div><div class=\"t m0 x243d hd1 y65aa ff1 fs61 fc3 sc0 ls44 ws49\">iv<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x230e hba y6f04 ff1 fs7 fc3 sc0 ls7 ws7\">100<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x17c0 hd1 y6f05 ff1 fs61 fc3 sc0 ls44 ws49\">155<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c x1ee y6e04 w1230 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">Zodia Custody (Europe) S.A.</div><div class=\"t m0 xcc8 hd1 y659f ff1 fs61 fc3 sc0 ls44 ws49\">iv<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x230e hba y6f06 ff1 fs7 fc3 sc0 ls7 ws7\">100<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x17c0 h162 y6f07 ff4 fs61 fc3 sc0 ls44 ws49\">128<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c x1ee y6e07 w1231 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">Actis Treit Holdings (Mauritius) Limited</div><div class=\"t m0 x163a hd1 y659f ff1 fs61 fc3 sc0 ls0 ws0\">v<span class=\"_ _3eb\"> </span></div></td><td class=\"c x243f y6e07 w1232 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">62.001</div><div class=\"t m0 x243e h162 y659f ff1 fs61 fc3 sc0 ls44 ws49\">A,B<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2440 y6f08 w1233 h2d1\"><div class=\"t m0 x1ed h162 y6bef ff4 fs61 fc3 sc0 ls44 ws49\">149, 158<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x235 hb y6f09 ff4 fs7 fc3 sc0 ls7 ws7\">Actis Treit Holdings No.1 (Singapore) Private </td><td></td><td></td></tr><tr><td class=\"c x1ee y6e7c w1234 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">Limited</div><div class=\"t m0 x231e hd1 y659f ff1 fs61 fc3 sc0 ls0 ws0\">v<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x230e hba y6f0a ff1 fs7 fc3 sc0 ls7 ws7\">100<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x2d8 h162 y6f0b ff4 fs61 fc3 sc0 ls44 ws49\">156, 158<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"t m0 x235 hb y6f0c ff4 fs7 fc3 sc0 ls7 ws7\">Actis Treit Holdings No.2 (Singapore) Private </td><td></td><td></td></tr><tr><td class=\"c x1ee y6f0d w1234 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">Limited</div><div class=\"t m0 x231e hd1 y659f ff1 fs61 fc3 sc0 ls0 ws0\">v<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x230e hba y6f0e ff1 fs7 fc3 sc0 ls7 ws7\">100<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x2d8 h162 y6f0f ff4 fs61 fc3 sc0 ls44 ws49\">156, 158<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c x1ee y6cc3 w1235 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">Anchorpoint Financial Limited</div><div class=\"t m0 x2441 hd1 y659f ff1 fs61 fc3 sc0 ls44 ws49\">iv<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x86c hb y6f10 ff4 fs7 fc3 sc0 ls7 ws7\">50.5<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1c5f hd1 y6f11 ff1 fs61 fc3 sc0 ls44 ws49\">20<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c x1ee y6f12 w1224 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">Appro Marketing Solutions L.L.C</div><div class=\"t m0 x2438 hd1 y659f ff1 fs61 fc3 sc0 ls44 ws49\">iv<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x230e hba y6f13 ff1 fs7 fc3 sc0 ls7 ws7\">100<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x17c0 h162 y6f14 ff4 fs61 fc3 sc0 ls44 ws49\">139<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"t m0 x235 hb y6f15 ff4 fs7 fc3 sc0 ls7 ws7\">Berkeley Square Finance 1 Designated Activity </td><td></td><td></td></tr><tr><td class=\"c x1ee y6f16 w1236 h241\"><div class=\"t m0 x1ed hba y65a9 ff1 fs7 fc3 sc0 ls7 ws7\">Company</div><div class=\"t m0 x2442 hd1 y65aa ff1 fs61 fc3 sc0 ls0 ws0\">i<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x230e hba y6f17 ff1 fs7 fc3 sc0 ls7 ws7\">100<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x17c0 hd1 y6f18 ff1 fs61 fc3 sc0 ls44 ws49\">124<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c x1ee y6f19 w11bb h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">CFZ Holding Limited</div><div class=\"t m0 x1934 hd1 y6bed ff1 fs61 fc3 sc0 ls44 ws49\">iv<span class=\"_ _3eb\"> </span></div></td><td class=\"c x2319 y6f19 w1237 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">29.96;100</div><div class=\"t m0 x2443 hd1 y6bed ff1 fs61 fc3 sc0 ls0 ws0\">A<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2330 y6f1a w1238 h2cc\"><div class=\"t m0 x1ed hd1 y6be4 ff1 fs61 fc3 sc0 ls44 ws49\">150<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y6d7c w112d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">Currencyfair Group Limited</div><div class=\"t m0 x2329 hd1 y659f ff1 fs61 fc3 sc0 ls44 ws49\">iv<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x230e hba y6f1b ff1 fs7 fc3 sc0 ls7 ws7\">100<span class=\"_ _3eb\"> </span></td><td class=\"t m0 xc27 h162 y6f1c ff4 fs61 fc3 sc0 ls44 ws49\">150, 158<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c x1ee y6d7f w1239 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">Nusavest Pte. Ltd.</div><div class=\"t m0 x2444 hd1 y659f ff1 fs61 fc3 sc0 ls44 ws49\">iv<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x230e hba y6f1d ff1 fs7 fc3 sc0 ls7 ws7\">100<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x17c0 h162 y6f1e ff4 fs61 fc3 sc0 ls44 ws49\">146<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c x1ee y6f1f w123a h241\"><div class=\"t m0 x1ed hba y65a9 ff1 fs7 fc3 sc0 ls7 ws0\">Regwise Ltd</div><div class=\"t m0 x2328 hd1 y65aa ff1 fs61 fc3 sc0 ls44 ws49\">iv<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x230e hba y6f20 ff1 fs7 fc3 sc0 ls7 ws7\">100<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x17c0 hd1 y6f21 ff1 fs61 fc3 sc0 ls44 ws49\">102<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c x1ee y6f22 w123b h241\"><div class=\"t m0 x1ed hba y65a9 ff1 fs7 fc3 sc0 ls7 ws0\">Slate One LLC</div><div class=\"t m0 x1078 hd1 y65aa ff1 fs61 fc3 sc0 ls0 ws0\">i<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x230e hba y6f23 ff1 fs7 fc3 sc0 ls7 ws7\">100<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1c5f hd1 y6f24 ff1 fs61 fc3 sc0 ls44 ws49\">101<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c x1ee y6d88 w123c h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">Standard Chartered Services Holdings Limited</div><div class=\"t m0 x2445 hd1 y659f ff1 fs61 fc3 sc0 ls0 ws0\">v<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x230e hba y6f25 ff1 fs7 fc3 sc0 ls7 ws7\">100<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x2310 hd1 y6f26 ff1 fs61 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c x1ee y6d8b w123d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">Standard Chartered Services Limited</div><div class=\"t m0 x2332 h162 y659f ff4 fs61 fc3 sc0 ls44 ws49\">viii<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x230e hba y6f27 ff1 fs7 fc3 sc0 ls7 ws7\">100<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x2310 hd1 y6f28 ff1 fs61 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c x1ee y6f29 w1224 h244\"><div class=\"t m0 x1ed hba y65a9 ff1 fs7 fc3 sc0 ls7 ws0\">Tungsten Custody Solutions FZE</div><div class=\"t m0 x2438 hd1 y65be ff1 fs61 fc3 sc0 ls44 ws49\">iv<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x230e hba y6f2a ff1 fs7 fc3 sc0 ls7 ws7\">100<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x17c0 hd1 y6f2b ff1 fs61 fc3 sc0 ls44 ws49\">100<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c x1ee y65c0 w1224 h241\"><div class=\"t m0 x1ed hba y65a9 ff1 fs7 fc3 sc0 ls7 ws0\">Tungsten Custody Solutions Ltd</div><div class=\"t m0 x2438 hd1 y65aa ff1 fs61 fc3 sc0 ls44 ws49\">iv<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x230e hba y6f2c ff1 fs7 fc3 sc0 ls7 ws7\">100<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1c5f h162 y6f2d ff4 fs61 fc3 sc0 ls44 ws49\">63<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c x1ee y6d94 w123e h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">Tungsten Holding Limited</div><div class=\"t m0 x2317 hd1 y659f ff1 fs61 fc3 sc0 ls44 ws49\">iv<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x230e hba y6f2e ff1 fs7 fc3 sc0 ls7 ws7\">100<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1c5f h162 y6f2f ff4 fs61 fc3 sc0 ls44 ws49\">63<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c x1ee y6567 w1228 h241\"><div class=\"t m0 x1ed hba y65a9 ff1 fs7 fc3 sc0 ls7 ws0\">Zodia Markets Technology Services FZCO</div><div class=\"t m0 x186e hd1 y65aa ff1 fs61 fc3 sc0 ls44 ws49\">iv<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x15c9 hb y6f30 ff4 fs7 fc3 sc0 ls7 ws7\">0.1<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1c5f hd1 y6f31 ff1 fs61 fc3 sc0 ls44 ws49\">25<span class=\"_ _3eb\"> </span></td></tr></table></div><div class=\"t m0 hc ff6 fs8 fc2 sc0 ls8 ws0 gsa12\">Joint ventures<span class=\"_ _3eb\"> </span></div><div class=\"gsa13\"><table class=\"s w11d8 h2d7\" id=\"_d9a471af-98ff-47d4-9eee-adec0aea1ea4\"><tr><td></td><td></td><td class=\"t m0 x2f6 h151 y6e35 ff1 fs64 fc3 sc0 ls50 ws0\">Proportion of </td><td></td></tr><tr><td class=\"t m0 x235 h151 y6e36 ff1 fs64 fc3 sc0 ls50 ws5b\">Name<span class=\"_ _3eb\"> </span></td><td></td><td class=\"c n x230b y6e37 w1100 h251\"><div class=\"t m0 x1ed h153 y67e0 ff4 fs64 fc3 sc0 ls50 ws5b\">shares held (%)</div></td><td class=\"c n x230c y6e37 w1101 h250\"><div class=\"t m0 x1ed h153 y67e0 ff1 fs64 fc3 sc0 ls50 ws5b\">Footnotes<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y6e38 w11bb h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">Olea Global Pte. Ltd.</div><div class=\"t m0 x1934 hd1 y659f ff1 fs61 fc3 sc0 ls44 ws49\">iv<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c x23f2 y6e38 w11d9 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">46.655; 100</div><div class=\"t m0 x23f1 hd1 y659f ff1 fs61 fc3 sc0 ls0 ws0\">J<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x23f3 y6e39 w11c2 h2cc\"><div class=\"t m0 x1ed hd1 y6be4 ff1 fs61 fc3 sc0 ls44 ws49\">145<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y6d8b w11da h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">Global Digital Asset Holdings Limited</div><div class=\"t m0 x23f4 hd1 y6bed ff1 fs61 fc3 sc0 ls0 ws0\">v<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"t m0 x230e hba y6e3a ff1 fs7 fc3 sc0 ls7 ws7\">100<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1c5f h162 y6e3b ff4 fs61 fc3 sc0 ls44 ws49\">60<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c x1ee y6d8e w11db h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">Akashaverse Pte. Ltd.</div><div class=\"t m0 x1af1 hd1 y659f ff1 fs61 fc3 sc0 ls44 ws49\">iv<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"t m0 x15c9 hba y6e3c ff1 fs7 fc3 sc0 ls7 ws7\">50<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x17c0 hd1 y6e3d ff1 fs61 fc3 sc0 ls44 ws49\">143<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c n x1ee y6e2f w11dc h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">K423</div></td><td class=\"c x23f6 y6e2f w11dd h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">Limited</div><div class=\"t m0 x23f5 h162 y659f ff4 fs61 fc3 sc0 ls44 ws49\">vii<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x6c0 hb y6e3e ff4 fs7 fc3 sc0 ls7 ws7\">25.011<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x17c0 hd1 y6e3f ff1 fs61 fc3 sc0 ls44 ws49\">104<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c x1ee y6c5c w11de h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">Lexarius Limited</div><div class=\"t m0 x23f7 hd1 y659f ff1 fs61 fc3 sc0 ls44 ws49\">iv<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"t m0 x15c9 hba y6e40 ff1 fs7 fc3 sc0 ls7 ws7\">50<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x17c0 hd1 y6e41 ff1 fs61 fc3 sc0 ls44 ws49\">103<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c x1ee y6ce7 w11df h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">Qlarion Ltd</div><div class=\"t m0 x23f8 hd1 y659f ff1 fs61 fc3 sc0 ls44 ws49\">iv<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c x2314 y6567 w111f h241\"><div class=\"t m0 x1ed hba y65a9 ff1 fs7 fc3 sc0 ls7 ws7\">100</div><div class=\"t m0 x2313 hd1 y65aa ff1 fs61 fc3 sc0 ls0 ws0\">A<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2330 y6563 w11e0 h2cc\"><div class=\"t m0 x1ed hd1 y6be4 ff1 fs61 fc3 sc0 ls44 ws49\">102<span class=\"_ _3eb\"> </span></div></td></tr></table></div><div class=\"t m0 hc ff6 fs8 fc2 sc0 ls8 wsb gsa14\">Associates<span class=\"_ _3eb\"> </span></div><div class=\"gsa15\"><table class=\"s w11f5 h2d9\" id=\"_8106889f-9d4b-4307-8bbb-0465b0977c9f\"><tr><td></td><td class=\"t m0 x2f6 h151 y6e58 ff1 fs64 fc3 sc0 ls50 ws0\">Proportion of </td><td></td></tr><tr><td class=\"t m0 x235 h151 y6e59 ff1 fs64 fc3 sc0 ls50 ws5b\">Name<span class=\"_ _3eb\"> </span></td><td class=\"c n x230b y6e5a w1100 h251\"><div class=\"t m0 x1ed h153 y67e0 ff4 fs64 fc3 sc0 ls50 ws5b\">shares held (%)</div></td><td class=\"c n x230c y6e5a w1101 h250\"><div class=\"t m0 x1ed h153 y67e0 ff1 fs64 fc3 sc0 ls50 ws5b\">Footnotes<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y6e5b w11f6 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">Clifford Capital Holdings Pte. Ltd.</div><div class=\"t m0 x2415 hd1 y659f ff1 fs61 fc3 sc0 ls0 ws0\">v<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x104f hb y6e5c ff4 fs7 fc3 sc0 ls7 ws7\">9.9<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x17c0 h162 y6e5d ff4 fs61 fc3 sc0 ls44 ws49\">109<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c x1ee y6e5e w11f7 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">Verified Impact Exchange Holdings Pte. Ltd</div><div class=\"t m0 x2377 hd1 y659f ff1 fs61 fc3 sc0 ls0 ws0\">i<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x6c0 hb y6e5f ff4 fs7 fc3 sc0 ls7 ws7\">13.421<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1c5f hd1 y6e60 ff1 fs61 fc3 sc0 ls44 ws49\">110<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"t m0 x235 hba y6e61 ff1 fs7 fc3 sc0 ls7 ws0\">Seychelles International Mercantile Banking </td><td></td><td></td></tr><tr><td class=\"c x1ee y6e62 w11f8 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">Corporation Limited.</div><div class=\"t m0 x1934 hd1 y659f ff1 fs61 fc3 sc0 ls0 ws0\">i<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x15c9 hba y6e63 ff1 fs7 fc3 sc0 ls7 ws7\">22<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1c5f h162 y6e64 ff4 fs61 fc3 sc0 ls44 ws49\">66<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c x1ee y6e65 w11f9 h244\"><div class=\"t m0 x1ed hba y65a9 ff1 fs7 fc3 sc0 ls7 ws0\">SWIAT GmbH</div><div class=\"t m0 x1078 hd1 y65be ff1 fs61 fc3 sc0 ls44 ws49\">iv<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x1278 hb y6e66 ff4 fs7 fc3 sc0 ls7 ws7\">30.498<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1c5f h162 y6e67 ff4 fs61 fc3 sc0 ls44 ws49\">67<span class=\"_ _3eb\"> </span></td></tr><tr><td></td><td class=\"c x2418 y6e68 w11fa h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">25; 25</div><div class=\"t m0 x2416 hd1 y659f ff1 fs61 fc3 sc0 ls0 ws0\">H</div><div class=\"t m0 x2417 hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">;<span class=\"_ _3eb\"> </span></div></td><td></td></tr><tr><td class=\"c x1ee y6e69 w11fb h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">Partior Holdings Pte. Ltd.</div><div class=\"t m0 x2311 hd1 y659f ff1 fs61 fc3 sc0 ls0 ws0\">i<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x1407 hb y6e6a ff4 fs7 fc3 sc0 ls7 ws7\">7.2461<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1c5f h162 y6e6b ff4 fs61 fc3 sc0 ls44 ws49\">69<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c x1ee y6e6c w11fc h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">China Bohai Bank Co., Ltd.</div><div class=\"t m0 x2419 hd1 y659f ff1 fs61 fc3 sc0 ls0 ws0\">i<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x1407 hb y6e6d ff4 fs7 fc3 sc0 ls7 ws7\">16.263<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x2e5 h162 y6e6e ff4 fs61 fc3 sc0 ls44 ws49\">95, 159<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c x1ee y6567 w11fd h2da\"><div class=\"t m0 x1ed hba y6e6f ff1 fs7 fc3 sc0 ls7 ws0\">Vault22 Solutions Holdings Ltd</div><div class=\"t m0 x241a hd1 y6e70 ff1 fs61 fc3 sc0 ls44 ws49\">iv<span class=\"_ _3eb\"> </span></div></td><td class=\"c x2314 y6567 w11fe h2da\"><div class=\"t m0 x1ed hba y6e6f ff1 fs7 fc3 sc0 ls7 ws7\">100</div><div class=\"t m0 x241b hd1 y6e70 ff1 fs61 fc3 sc0 ls0 ws0\">E<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x241c y6563 w11ff h2db\"><div class=\"t m0 x1ed hd1 y6e71 ff1 fs61 fc3 sc0 ls44 ws49\">135<span class=\"_ _3eb\"> </span></div></td></tr></table></div><div class=\"gsa10\"><table class=\"s w1200 h2dc\" id=\"_15ef33b4-0a97-42ef-9a36-8907cb95b02d\"><tr><td></td><td class=\"t m0 x233e h151 y6e72 ff1 fs64 fc3 sc0 ls50 ws0\">Proportion of </td><td></td></tr><tr><td class=\"t m0 x233f h151 y6e73 ff1 fs64 fc3 sc0 ls50 ws5b\">Name<span class=\"_ _3eb\"> </span></td><td class=\"c n x2340 y6e74 w1100 h2d3\"><div class=\"t m0 x1ed h153 y6bd7 ff4 fs64 fc3 sc0 ls50 ws5b\">shares held (%)</div></td><td class=\"c n x2341 y6e74 w1133 h209\"><div class=\"t m0 x1ed h153 y6bd7 ff1 fs64 fc3 sc0 ls50 ws5b\">Footnotes<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td class=\"c x2349 y6e75 w1201 h20b\"><div class=\"t m0 x1ed hb y659b ff4 fs7 fc3 sc0 ls7 ws7\">94.117</div><div class=\"t m0 x241d hd1 y6cf0 ff1 fs61 fc3 sc0 ls44 ws49\">AF</div><div class=\"t m0 x241e hb y659b ff4 fs7 fc3 sc0 ls0 ws0\">;<span class=\"_ _3eb\"> </span></div></td><td></td></tr><tr><td class=\"c x1ee y6ce7 w1168 h20b\"><div class=\"t m0 x1ed hb y659b ff4 fs7 fc3 sc0 ls7 ws7\">Jumbotail Technologies Private Limited</div><div class=\"t m0 x237f hd1 y6cf0 ff1 fs61 fc3 sc0 ls44 ws49\">iv<span class=\"_ _3eb\"> </span></div></td><td class=\"c x2349 y6567 w1202 h2d4\"><div class=\"t m0 x1ed hba y6ced ff1 fs7 fc3 sc0 ls7 ws7\">100</div><div class=\"t m0 x241f hd1 y6cee ff1 fs61 fc3 sc0 ls44 ws49\">AG,AH<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2420 y6563 w1203 h2dd\"><div class=\"t m0 x1ed hd1 y6e76 ff1 fs61 fc3 sc0 ls44 ws49\">105<span class=\"_ _3eb\"> </span></div></td></tr></table></div><div class=\"t m0 hc ff7 fs8 fc2 sc0 ls8 wsb gsa16\">Significant investment holdings <span class=\"_ _7\"></span>and other </div><div class=\"t m0 hc ff6 fs8 fc2 sc0 ls8 ws0 gsa17\">related undertakings<span class=\"_ _3eb\"> </span></div><div class=\"gsa18\"><table class=\"s w11e1 h2d8\" id=\"_b9a86936-3668-4394-8d56-615d1d8d129e\"><tr><td></td><td class=\"t m0 x233e h151 y6e42 ff1 fs64 fc3 sc0 ls50 ws0\">Proportion of </td><td></td></tr><tr><td class=\"t m0 x233f h151 y6e43 ff1 fs64 fc3 sc0 ls50 ws5b\">Name<span class=\"_ _3eb\"> </span></td><td class=\"c n x2340 y6e44 w1100 h2d3\"><div class=\"t m0 x1ed h153 y6bd7 ff4 fs64 fc3 sc0 ls50 ws5b\">shares held (%)</div></td><td class=\"c n x2341 y6e44 w1133 h209\"><div class=\"t m0 x1ed h153 y6bd7 ff1 fs64 fc3 sc0 ls50 ws5b\">Footnotes<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y6e45 w11e2 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">Corrasi Covered Bonds (LM) Limited</div><div class=\"t m0 x23f9 hd1 y659f ff1 fs61 fc3 sc0 ls0 ws0\">i<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x23fa hba y6e46 ff1 fs7 fc3 sc0 ls7 ws7\">20<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x23fb h162 y6e47 ff4 fs61 fc3 sc0 ls44 ws49\">3, 158<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c x1ee y6e48 w11e3 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">SCIAIGF Liquidating Trust</div><div class=\"t m0 x2354 hd1 y659f ff1 fs61 fc3 sc0 ls0 ws0\">v<span class=\"_ _3eb\"> </span></div></td><td class=\"c x23fd y6e48 w11e4 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">43.96</div><div class=\"t m0 x23fc h162 y659f ff1 fs61 fc3 sc0 ls44 ws49\">AB<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x23fe y6e49 w11e5 h2d1\"><div class=\"t m0 x1ed h162 y6bef ff4 fs61 fc3 sc0 ls44 ws49\">112, 158<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y6e4a w11e6 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">ATSC Cayman Holdco Limited</div><div class=\"t m0 x23ff hd1 y659f ff1 fs61 fc3 sc0 ls0 ws0\">v<span class=\"_ _3eb\"> </span></div></td><td class=\"c x2403 y6e4a w11e7 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">5.272</div><div class=\"t m0 x2400 hd1 y659f ff1 fs61 fc3 sc0 ls0 ws0\">A</div><div class=\"t m0 x2401 hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">;100</div><div class=\"t m0 x2402 hd1 y659f ff1 fs61 fc3 sc0 ls0 ws0\">B<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2404 y6e4b w11e8 h2cc\"><div class=\"t m0 x1ed hd1 y6be4 ff1 fs61 fc3 sc0 ls44 ws49\">140<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td class=\"c x2406 y6e4c w11e9 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">39.689</div><div class=\"t m0 x1c61 hd1 y659f ff1 fs61 fc3 sc0 ls0 ws0\">A</div><div class=\"t m0 x2405 hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">;<span class=\"_ _3eb\"> </span></div></td><td></td></tr><tr><td class=\"c x1ee y67d7 w11ea h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">Actis Temple Stay Holdings (HK) Limited</div><div class=\"t m0 x235e hd1 y6bed ff1 fs61 fc3 sc0 ls0 ws0\">v<span class=\"_ _3eb\"> </span></div></td><td class=\"c x2408 y67d7 w11eb h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">39.689</div><div class=\"t m0 x2407 h162 y6bed ff1 fs61 fc3 sc0 ls0 ws0\">B<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2409 y6e4d w11ec h2d1\"><div class=\"t m0 x1ed h162 y6bef ff4 fs61 fc3 sc0 ls44 ws49\">141, 158<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y6e4e w11ed h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">Mikado Realtors Private Limited</div><div class=\"t m0 x235d hd1 y659f ff1 fs61 fc3 sc0 ls44 ws49\">ix<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x240a hb y6e4f ff4 fs7 fc3 sc0 ls7 ws7\">26<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x2357 hd1 y6e50 ff1 fs61 fc3 sc0 ls44 ws49\">142<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c x1ee y6e51 w11ee h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">Industrial Minerals and Chemical Co. Pvt. Ltd</div><div class=\"t m0 x240b hd1 y659f ff1 fs61 fc3 sc0 ls44 ws49\">ix<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x240a hb y6e52 ff4 fs7 fc3 sc0 ls7 ws7\">26<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x2357 h162 y6e53 ff4 fs61 fc3 sc0 ls44 ws49\">157<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c x1ee y6e54 w11ef h241\"><div class=\"t m0 x1ed hba y65a9 ff1 fs7 fc3 sc0 ls7 ws0\">Ascenta III</div><div class=\"t m0 x240c hd1 y65aa ff1 fs61 fc3 sc0 ls0 ws0\">v<span class=\"_ _3eb\"> </span></div></td><td class=\"c x240e y6e54 w11f0 h20d\"><div class=\"t m0 x1ed hba y65a9 ff1 fs7 fc3 sc0 ls7 ws7\">31</div><div class=\"t m0 x240d h162 y65aa ff1 fs61 fc3 sc0 ls0 ws0\">G<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x240f y6e55 w11f1 h2d1\"><div class=\"t m0 x1ed h162 y6bef ff4 fs61 fc3 sc0 ls44 ws49\">70<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td class=\"c x23fd y6e56 w11f2 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">40.74</div><div class=\"t m0 x23fc hd1 y659f ff1 fs61 fc3 sc0 ls0 ws0\">O</div><div class=\"t m0 x2410 hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">;<span class=\"_ _3eb\"> </span></div></td><td></td></tr><tr><td class=\"c x1ee y6567 w11f3 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">Paxata, Inc.</div><div class=\"t m0 x2411 h162 y6bed ff4 fs61 fc3 sc0 ls44 ws49\">iii<span class=\"_ _3eb\"> </span></div></td><td class=\"c x2413 y6567 w11f4 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">8.908</div><div class=\"t m0 x2412 h162 y6bed ff1 fs61 fc3 sc0 ls0 ws0\">P<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2414 y6e57 w11d7 h2d1\"><div class=\"t m0 x1ed h162 y6bef ff4 fs61 fc3 sc0 ls44 ws49\">64<span class=\"_ _3eb\"> </span></div></td></tr></table></div><div class=\"t m0 hc ff7 fs8 fc2 sc0 ls8 wsb gsa19\">In liquidation<span class=\"_ _3eb\"> </span></div><div class=\"gsa1a\"><table class=\"s w1204 h2de\" id=\"_f37a8d84-760f-423a-94a3-eb12bfd11392\"><tr><td></td><td class=\"t m0 x233e h151 y6e77 ff1 fs64 fc3 sc0 ls50 ws0\">Proportion of </td><td></td></tr><tr><td class=\"t m0 x233f h151 y6e78 ff1 fs64 fc3 sc0 ls50 ws5b\">Name<span class=\"_ _3eb\"> </span></td><td class=\"c n x2340 y6e79 w1100 h21e\"><div class=\"t m0 x1ed h153 y6bd7 ff4 fs64 fc3 sc0 ls50 ws5b\">shares held (%)</div></td><td class=\"c n x2341 y6e79 w1133 h2be\"><div class=\"t m0 x1ed h153 y6bd7 ff1 fs64 fc3 sc0 ls50 ws5b\">Footnotes<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x233f h13 y6e7a ff5 fs7 fc3 sc0 ls7 ws7\">Subsidiary Undertakings<span class=\"_ _3eb\"> </span></td><td></td><td></td></tr><tr><td class=\"t m0 x233f hb y6e7b ff4 fs7 fc3 sc0 ls7 ws7\">Standard Chartered Masterbrand Licensing </td><td></td><td></td></tr><tr><td class=\"c x1ee y6e7c w1205 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">Limited</div><div class=\"t m0 x234d hd1 y659f ff1 fs61 fc3 sc0 ls44 ws49\">ix<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x2343 hba y6e7d ff1 fs7 fc3 sc0 ls7 ws7\">100<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x2357 hd1 y6e7e ff1 fs61 fc3 sc0 ls44 ws49\">122<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c x1ee y6e7f w1206 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">Birdsong Limited</div><div class=\"t m0 x2421 hd1 y659f ff1 fs61 fc3 sc0 ls44 ws49\">ix<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x2343 hba y6e80 ff1 fs7 fc3 sc0 ls7 ws7\">100<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x2344 h162 y6e81 ff4 fs61 fc3 sc0 ls44 ws49\">71<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c x1ee y6e82 w1161 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">Nominees One Limited</div><div class=\"t m0 x2376 hd1 y659f ff1 fs61 fc3 sc0 ls44 ws49\">ix<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x2343 hba y6e83 ff1 fs7 fc3 sc0 ls7 ws7\">100<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x2344 h162 y6e84 ff4 fs61 fc3 sc0 ls44 ws49\">71<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c x1ee y6e85 w1161 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">Nominees Two Limited</div><div class=\"t m0 x2376 hd1 y659f ff1 fs61 fc3 sc0 ls44 ws49\">ix<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x2343 hba y6e86 ff1 fs7 fc3 sc0 ls7 ws7\">100<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x2344 h162 y6e87 ff4 fs61 fc3 sc0 ls44 ws49\">71<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c x1ee y6e88 w1207 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">Songbird Limited</div><div class=\"t m0 x2422 hd1 y659f ff1 fs61 fc3 sc0 ls44 ws49\">ix<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x2343 hba y6e89 ff1 fs7 fc3 sc0 ls7 ws7\">100<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x2344 h162 y6e8a ff4 fs61 fc3 sc0 ls44 ws49\">71<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"t m0 x233f hb y6e8b ff4 fs7 fc3 sc0 ls7 ws7\">Standard Chartered Secretaries (Guernsey) </td><td></td><td></td></tr><tr><td class=\"c x1ee y6ccb w1205 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">Limited</div><div class=\"t m0 x234d hd1 y659f ff1 fs61 fc3 sc0 ls44 ws49\">ix<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x2343 hba y6e8c ff1 fs7 fc3 sc0 ls7 ws7\">100<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x2344 h162 y6e8d ff4 fs61 fc3 sc0 ls44 ws49\">71<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c x1ee y6e8e w1208 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">Standard Chartered Trust (Guernsey) Limited</div><div class=\"t m0 x235c hd1 y659f ff1 fs61 fc3 sc0 ls44 ws49\">ix<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x2343 hba y6e8f ff1 fs7 fc3 sc0 ls7 ws7\">100<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x2344 h162 y6e90 ff4 fs61 fc3 sc0 ls44 ws49\">71<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"t m0 x233f hb y6e91 ff4 fs7 fc3 sc0 ls7 ws7\">Standard Chartered Financial Services </td><td></td><td></td></tr><tr><td class=\"c x1ee y6d7f w1209 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">(Luxembourg) S.A.</div><div class=\"t m0 x239b hd1 y659f ff1 fs61 fc3 sc0 ls44 ws49\">ix<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x2343 hba y6e92 ff1 fs7 fc3 sc0 ls7 ws7\">100<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x234f h162 y6e93 ff4 fs61 fc3 sc0 ls44 ws49\">72<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c x1ee y6d82 w120a h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">Banco Standard Chartered en Liquidacion</div><div class=\"t m0 x2374 hd1 y659f ff1 fs61 fc3 sc0 ls44 ws49\">ix<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x2343 hba y6e94 ff1 fs7 fc3 sc0 ls7 ws7\">100<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x2357 hd1 y6e95 ff1 fs61 fc3 sc0 ls44 ws49\">123<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c x1ee y6e96 w120b h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">Standard Chartered Uruguay Representacion S.A.</div><div class=\"t m0 x2423 hd1 y659f ff1 fs61 fc3 sc0 ls44 ws49\">ix<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x2343 hba y6e97 ff1 fs7 fc3 sc0 ls7 ws7\">100<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x234f h162 y6e98 ff4 fs61 fc3 sc0 ls44 ws49\">73<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c x1ee y6e99 w120c h241\"><div class=\"t m0 x1ed hba y65a9 ff1 fs7 fc3 sc0 ls7 ws0\">SC Transport Leasing 1 LTD</div><div class=\"t m0 x2424 hd1 y65aa ff1 fs61 fc3 sc0 ls44 ws49\">ix<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x2343 hba y6e9a ff1 fs7 fc3 sc0 ls7 ws7\">100<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x2425 hd1 y6e9b ff1 fs61 fc3 sc0 ls44 ws49\">144<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c x1ee y6d8b w120d h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">SC Transport Leasing 2 Limited</div><div class=\"t m0 x2345 hd1 y659f ff1 fs61 fc3 sc0 ls44 ws49\">ix<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x2343 hba y6e9c ff1 fs7 fc3 sc0 ls7 ws7\">100<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x2425 hd1 y6e9d ff1 fs61 fc3 sc0 ls44 ws49\">144<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c x1ee y6e9e w120e h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">Standard Chartered Leasing (UK) Limited</div><div class=\"t m0 x2426 hd1 y659f ff1 fs61 fc3 sc0 ls44 ws49\">ix<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x2343 hba y6e9f ff1 fs7 fc3 sc0 ls7 ws7\">100<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x2425 hd1 y6ea0 ff1 fs61 fc3 sc0 ls44 ws49\">144<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c x1ee y6d91 w120f h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">Standard Chartered Trust (Hong Kong) Limited</div><div class=\"t m0 x2427 hd1 y659f ff1 fs61 fc3 sc0 ls0 ws0\">i<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x2343 hba y6ea1 ff1 fs7 fc3 sc0 ls7 ws7\">100<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x234f h162 y6ea2 ff4 fs61 fc3 sc0 ls44 ws49\">82<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"t m0 x233f h13 y6ea3 ff5 fs7 fc3 sc0 ls7 ws7\">Associates<span class=\"_ _3eb\"> </span></td><td></td><td></td></tr><tr><td class=\"c x1ee y6567 w1210 h241\"><div class=\"t m0 x1ed hba y65a9 ff1 fs7 fc3 sc0 ls7 ws0\">Ascenta IV</div><div class=\"t m0 x2428 hd1 y65aa ff1 fs61 fc3 sc0 ls44 ws49\">ix<span class=\"_ _3eb\"> </span></div></td><td class=\"c x242a y6ce7 w1211 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">39.1</div><div class=\"t m0 x2429 h162 y659f ff1 fs61 fc3 sc0 ls0 ws0\">Z<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x242b y6e34 w1212 h2ce\"><div class=\"t m0 x1ed h162 y6bef ff4 fs61 fc3 sc0 ls44 ws49\">74<span class=\"_ _3eb\"> </span></div></td></tr></table></div><div class=\"t m0 hc ff7 fs8 fc2 sc0 ls8 wsb gsa1b\">Subsidiary/Associate undertakings and </div><div class=\"t m0 hc ff7 fs8 fc2 sc0 ls8 wsb gsa1c\">Significant investment holdings <span class=\"_ _7\"></span>\u2013 Liquidated/<span class=\"_ _3eb\"> </span></div><div class=\"t m0 hc ff6 fs8 fc2 sc0 ls8 wsb gsa1d\">dissolved/sold<span class=\"_ _3eb\"> </span></div><div class=\"gsa1e\"><table class=\"s w1213 h2df\" id=\"_e9241e15-5cb2-4954-87be-890ed6b0e2e2\"><tr><td></td><td class=\"t m0 x233e h151 y6ea4 ff1 fs64 fc3 sc0 ls50 ws0\">Proportion of </td><td></td></tr><tr><td class=\"t m0 x233f h151 y6ea5 ff1 fs64 fc3 sc0 ls50 ws5b\">Name<span class=\"_ _3eb\"> </span></td><td class=\"c n x2340 y6ea6 w1100 h251\"><div class=\"t m0 x1ed h153 y67e0 ff4 fs64 fc3 sc0 ls50 ws5b\">shares held (%)</div></td><td class=\"c n x2341 y6ea6 w1133 h250\"><div class=\"t m0 x1ed h153 y67e0 ff1 fs64 fc3 sc0 ls50 ws5b\">Footnotes<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y6ea7 w1214 h241\"><div class=\"t m0 x1ed hba y65a9 ff1 fs7 fc3 sc0 ls7 ws0\">The SC Transport Leasing Partnership 1</div><div class=\"t m0 x242c hd1 y65aa ff1 fs61 fc3 sc0 ls44 ws49\">vi<span class=\"_ _3eb\"> </span></div></td><td class=\"c x2361 y6ea7 w1215 h241\"><div class=\"t m0 x1ed hba y65a9 ff1 fs7 fc3 sc0 ls7 ws7\">100</div><div class=\"t m0 x2360 hd1 y65aa ff1 fs61 fc3 sc0 ls0 ws0\">Y<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x242d y6ea8 w1107 h2cc\"><div class=\"t m0 x1ed hd1 y6be4 ff1 fs61 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y6ea9 w1216 h241\"><div class=\"t m0 x1ed hba y65a9 ff1 fs7 fc3 sc0 ls7 ws0\">The SC Transport Leasing Partnership 2</div><div class=\"t m0 x2365 hd1 y65aa ff1 fs61 fc3 sc0 ls44 ws49\">vi<span class=\"_ _3eb\"> </span></div></td><td class=\"c x2361 y6ea9 w1215 h241\"><div class=\"t m0 x1ed hba y65a9 ff1 fs7 fc3 sc0 ls7 ws7\">100</div><div class=\"t m0 x2360 hd1 y65aa ff1 fs61 fc3 sc0 ls0 ws0\">Y<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x242d y6eaa w1107 h2cc\"><div class=\"t m0 x1ed hd1 y6be4 ff1 fs61 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y65b0 w1216 h241\"><div class=\"t m0 x1ed hba y65a9 ff1 fs7 fc3 sc0 ls7 ws0\">The SC Transport Leasing Partnership 3</div><div class=\"t m0 x2365 hd1 y65aa ff1 fs61 fc3 sc0 ls44 ws49\">vi<span class=\"_ _3eb\"> </span></div></td><td class=\"c x2361 y65b0 w1215 h241\"><div class=\"t m0 x1ed hba y65a9 ff1 fs7 fc3 sc0 ls7 ws7\">100</div><div class=\"t m0 x2360 hd1 y65aa ff1 fs61 fc3 sc0 ls0 ws0\">Y<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x242d y6eab w1107 h2cc\"><div class=\"t m0 x1ed hd1 y6be4 ff1 fs61 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y6eac w1168 h241\"><div class=\"t m0 x1ed hba y65a9 ff1 fs7 fc3 sc0 ls7 ws0\">The SC Transport Leasing Partnership 4</div><div class=\"t m0 x237f hd1 y65aa ff1 fs61 fc3 sc0 ls44 ws49\">vi<span class=\"_ _3eb\"> </span></div></td><td class=\"c x2361 y6eac w1215 h241\"><div class=\"t m0 x1ed hba y65a9 ff1 fs7 fc3 sc0 ls7 ws7\">100</div><div class=\"t m0 x2360 hd1 y65aa ff1 fs61 fc3 sc0 ls0 ws0\">Y<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x242d y6ead w1107 h2cc\"><div class=\"t m0 x1ed hd1 y6be4 ff1 fs61 fc3 sc0 ls0 ws0\">1<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y6eae w1156 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">Standard Chartered Bank Cameroon S.A.</div><div class=\"t m0 x235e hd1 y659f ff1 fs61 fc3 sc0 ls0 ws0\">i<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x2343 hba y6eaf ff1 fs7 fc3 sc0 ls7 ws7\">100<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x242e h162 y6eb0 ff4 fs61 fc3 sc0 ls0 ws0\">9<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c x1ee y6eb1 w115c h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">Standard Chartered Bank Gambia Limited</div><div class=\"t m0 x234e hd1 y6bed ff1 fs61 fc3 sc0 ls0 ws0\">i<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x235b hb y6eb2 ff4 fs7 fc3 sc0 ls7 ws7\">74.852<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x2344 hd1 y6eb3 ff1 fs61 fc3 sc0 ls44 ws49\">15<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c x1ee y6e1e w1149 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">Assembly Payments HK Limited</div><div class=\"t m0 x235d hd1 y659f ff1 fs61 fc3 sc0 ls44 ws49\">iv<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x2343 hba y6eb4 ff1 fs7 fc3 sc0 ls7 ws7\">100<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x2355 h162 y6eb5 ff4 fs61 fc3 sc0 ls44 ws49\">21, 158<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"t m0 x233f hba y6eb6 ff1 fs7 fc3 sc0 ls7 ws0\">Standard Chartered Research and Technology </td><td></td><td></td></tr><tr><td class=\"c x1ee y6eb7 w114a h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">India Private Limited</div><div class=\"t m0 x235f hd1 y659f ff1 fs61 fc3 sc0 ls44 ws49\">iv<span class=\"_ _3eb\"> </span></div></td><td class=\"c x2430 y6cd4 w1217 h212\"><div class=\"t m0 x1ed hba y65a9 ff1 fs7 fc3 sc0 ls7 ws7\">100</div><div class=\"t m0 x242f h162 y65aa ff1 fs61 fc3 sc0 ls44 ws49\">A,R<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x2431 y6eb8 w1218 h2ce\"><div class=\"t m0 x1ed h162 y6bef ff4 fs61 fc3 sc0 ls44 ws49\">136<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y6eb9 w1135 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">CurrencyFair (Canada) Limited</div><div class=\"t m0 x2345 hd1 y6bed ff1 fs61 fc3 sc0 ls44 ws49\">iv<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x2343 hba y6eba ff1 fs7 fc3 sc0 ls7 ws7\">100<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x2432 h162 y6ebb ff4 fs61 fc3 sc0 ls44 ws49\">28, 158<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c x1ee y6e27 w1140 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">Tawi Fresh Kenya Limited</div><div class=\"t m0 x2354 hd1 y659f ff1 fs61 fc3 sc0 ls44 ws49\">iv<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x2343 hba y6ebc ff1 fs7 fc3 sc0 ls7 ws7\">100<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x234f hd1 y6ebd ff1 fs61 fc3 sc0 ls44 ws49\">32<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c x1ee y6cdc w1219 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">Pegasus Dealmaking Pte. Ltd.</div><div class=\"t m0 x2433 hd1 y659f ff1 fs61 fc3 sc0 ls44 ws49\">iv<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x2343 hba y6ebe ff1 fs7 fc3 sc0 ls7 ws7\">100<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x2357 hd1 y6ebf ff1 fs61 fc3 sc0 ls44 ws49\">145<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c x1ee y6ec0 w121a h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">Promisepay (PTY) Ltd</div><div class=\"t m0 x2434 hd1 y659f ff1 fs61 fc3 sc0 ls44 ws49\">iv<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x2343 hba y6ec1 ff1 fs7 fc3 sc0 ls7 ws7\">100<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x2435 h162 y6ec2 ff4 fs61 fc3 sc0 ls44 ws49\">137, 158<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c x1ee y6c58 w121b h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">Marina Partawati Shipping Pte. Ltd.</div><div class=\"t m0 x237b hd1 y659f ff1 fs61 fc3 sc0 ls44 ws49\">vi<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x2343 hba y6ec3 ff1 fs7 fc3 sc0 ls7 ws7\">100<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x2357 hd1 y6ec4 ff1 fs61 fc3 sc0 ls44 ws49\">152<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"t m0 x233f hb y6ec5 ff4 fs7 fc3 sc0 ls7 ws7\">SC Ventures Management Consulting (Shenzhen) </td><td></td><td></td></tr><tr><td class=\"c x1ee y6c5c w1205 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">Limited</div><div class=\"t m0 x234d hd1 y659f ff1 fs61 fc3 sc0 ls44 ws49\">ix<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x2343 hba y6ec6 ff1 fs7 fc3 sc0 ls7 ws7\">100<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x2364 h162 y6ec7 ff4 fs61 fc3 sc0 ls44 ws49\">154, 159<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c x1ee y6ce7 w121c h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">Standard Chartered Leasing (UK) 3 Limited</div><div class=\"t m0 x2377 hd1 y6bed ff1 fs61 fc3 sc0 ls44 ws49\">vi<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 x2343 hba y6ec8 ff1 fs7 fc3 sc0 ls7 ws7\">100<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x234f h162 y6ec9 ff4 fs61 fc3 sc0 ls44 ws49\">68<span class=\"_ _3eb\"> </span></td></tr></table></div><div class=\"gsa20\"><table class=\"s w123f h2e1\" id=\"_660e3b5e-6923-45a3-be2c-2135bb8b0fca\"><tr><td></td><td class=\"t m0 x23c1 h151 y6f32 ff1 fs64 fc3 sc0 ls50 ws0\">Proportion of </td><td></td></tr><tr><td class=\"t m0 x221 h151 y6f33 ff1 fs64 fc3 sc0 ls50 ws5b\">Name<span class=\"_ _3eb\"> </span></td><td class=\"c n x631 y6f34 w1100 h2d3\"><div class=\"t m0 x1ed h153 y6bd7 ff4 fs64 fc3 sc0 ls50 ws5b\">shares held (%)</div></td><td class=\"c n x23c2 y6f34 w1101 h209\"><div class=\"t m0 x1ed h153 y6bd7 ff1 fs64 fc3 sc0 ls50 ws5b\">Footnotes<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c x1ee y6eb1 w1240 h20b\"><div class=\"t m0 x1ed hb y659b ff4 fs7 fc3 sc0 ls7 ws7\">Marina Opah Shipping Pte. Ltd.</div><div class=\"t m0 x23c6 hd1 y6cf0 ff1 fs61 fc3 sc0 ls44 ws49\">vi<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 xde8 hba y6f35 ff1 fs7 fc3 sc0 ls7 ws7\">100<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x23c4 h162 y6f36 ff4 fs61 fc3 sc0 ls44 ws49\">68<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c x1ee y6f37 w1240 h20b\"><div class=\"t m0 x1ed hb y659b ff4 fs7 fc3 sc0 ls7 ws7\">Marina Cobia Shipping Pte. Ltd.</div><div class=\"t m0 x23c6 hd1 y6cf0 ff1 fs61 fc3 sc0 ls44 ws49\">vi<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 xde8 hba y6f38 ff1 fs7 fc3 sc0 ls7 ws7\">100<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x23c4 h162 y6f39 ff4 fs61 fc3 sc0 ls44 ws49\">68<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c x1ee y6e21 w1241 h20b\"><div class=\"t m0 x1ed hb y659b ff4 fs7 fc3 sc0 ls7 ws7\">Marina Aquata Shipping Pte. Ltd.</div><div class=\"t m0 x2446 hd1 y6cf0 ff1 fs61 fc3 sc0 ls44 ws49\">vi<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 xde8 hba y6f3a ff1 fs7 fc3 sc0 ls7 ws7\">100<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x23c4 h162 y6f3b ff4 fs61 fc3 sc0 ls44 ws49\">68<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c x1ee y6e23 w11cb h20b\"><div class=\"t m0 x1ed hb y659b ff4 fs7 fc3 sc0 ls7 ws7\">Marina Aruana Shipping Pte. Ltd.</div><div class=\"t m0 x23e6 hd1 y6cf0 ff1 fs61 fc3 sc0 ls44 ws49\">vi<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 xde8 hba y6f3c ff1 fs7 fc3 sc0 ls7 ws7\">100<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x23c4 h162 y6f3d ff4 fs61 fc3 sc0 ls44 ws49\">68<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c x1ee y67e4 w1242 h241\"><div class=\"t m0 x1ed hba y65a9 ff1 fs7 fc3 sc0 ls7 ws0\">Cerulean Investments LP</div><div class=\"t m0 x2447 hd1 y65aa ff1 fs61 fc3 sc0 ls44 ws49\">ix<span class=\"_ _3eb\"> </span></div></td><td class=\"c x2449 y67e4 w1243 h20d\"><div class=\"t m0 x1ed hba y65a9 ff1 fs7 fc3 sc0 ls7 ws7\">100</div><div class=\"t m0 x2448 h162 y65aa ff1 fs61 fc3 sc0 ls0 ws0\">Y<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x244a y6f3e w1226 h2d5\"><div class=\"t m0 x1ed h162 y6cf2 ff4 fs61 fc3 sc0 ls44 ws49\">68<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x221 hba y6f3f ff1 fs7 fc3 sc0 ls7 ws0\">Standard Chartered IL&amp;FS Management </td><td></td><td></td></tr><tr><td class=\"c x1ee y6f40 w1242 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">(Singapore) Pte. Limited</div><div class=\"t m0 x2447 hd1 y659f ff1 fs61 fc3 sc0 ls44 ws49\">ix<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 xd2d hba y6f41 ff1 fs7 fc3 sc0 ls7 ws7\">50<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x1a2f hd1 y6f42 ff1 fs61 fc3 sc0 ls44 ws49\">51<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c x1ee y6f43 w1244 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">St Helen\u2019s Nominees India Private Limited</div><div class=\"t m0 x23dd hd1 y659f ff1 fs61 fc3 sc0 ls0 ws0\">i<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 xde8 hba y6f44 ff1 fs7 fc3 sc0 ls7 ws7\">100<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x23c4 hd1 y6f45 ff1 fs61 fc3 sc0 ls44 ws49\">24<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"t m0 x221 hb y6f46 ff4 fs7 fc3 sc0 ls7 ws7\">Standard Chartered Private Equity Advisory (India) </td><td></td><td></td></tr><tr><td class=\"c x1ee y6d91 w1245 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">Private Limited</div><div class=\"t m0 x11c8 h162 y659f ff4 fs61 fc3 sc0 ls44 ws49\">viii<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 xde8 hba y6f47 ff1 fs7 fc3 sc0 ls7 ws7\">100<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x23c4 hd1 y6f48 ff1 fs61 fc3 sc0 ls44 ws49\">24<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c x1ee y6d94 w1246 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">SBI Zodia Custody Co. Ltd</div><div class=\"t m0 x244b hd1 y659f ff1 fs61 fc3 sc0 ls44 ws49\">iv<span class=\"_ _3eb\"> </span></div></td><td class=\"t m0 xde8 hba y6f49 ff1 fs7 fc3 sc0 ls7 ws7\">100<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x23c4 h162 y6f4a ff4 fs61 fc3 sc0 ls44 ws49\">68<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c x1ee y6567 w1131 h241\"><div class=\"t m0 x1ed hba y65a9 ff1 fs7 fc3 sc0 ls7 ws0\">Fintech for International Development Ltd</div><div class=\"t m0 x2331 hd1 y65aa ff1 fs61 fc3 sc0 ls44 ws49\">ix<span class=\"_ _3eb\"> </span></div></td><td class=\"c x244d y6ce7 w1247 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">58.901</div><div class=\"t m0 x244c h162 y659f ff1 fs61 fc3 sc0 ls0 ws0\">A<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x23dc y6e34 w1248 h2d1\"><div class=\"t m0 x1ed h162 y6bef ff4 fs61 fc3 sc0 ls44 ws49\">96<span class=\"_ _3eb\"> </span></div></td></tr></table></div><div class=\"t m0 hc ff6 fs8 fc2 sc0 ls8 wsb gsa21\">Footnotes<span class=\"_ _3eb\"> </span></div><div class=\"t m0 h4 ff5 fs1 fc1 sc0 ls1 ws2 gsa22\">Registered address<span class=\"_ _3eb\"> </span></div><div class=\"gsa23\"><table class=\"s w1249 h2e2\" id=\"_18284b65-dfc6-46eb-802c-7d97e133f53f\"><tr><td></td><td class=\"t m0 x244e hba y6f4b ff1 fs7 fc3 sc0 ls7 ws7\">Address<span class=\"_ _3eb\"> </span></td><td></td></tr><tr><td class=\"c n x1ee y6f4c w6f0 h20d\"><div class=\"t m0 x1ed hba y65a9 ff1 fs7 fc3 sc0 ls0 ws0\">1</div></td><td class=\"c n x244f y6f4c w124a h20d\"><div class=\"t m0 x1ed hba y65a9 ff1 fs7 fc3 sc0 ls7 ws0\">1 Basinghall Avenue, London, EC2V 5DD, United Kingdom<span class=\"_ _3eb\"> </span></div></td><td></td></tr><tr><td class=\"c n x1ee y6f4d w124b h20d\"><div class=\"t m0 x1ed hb y659e ff1 fs7 fc3 sc0 ls0 ws0\">2</div></td><td class=\"c n x2450 y6f4d w124c h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">2 More London Riverside, London, SE1 2JT, United Kingdom<span class=\"_ _3eb\"> </span></div></td><td></td></tr><tr><td class=\"c n x1ee y6f4e w124d h20d\"><div class=\"t m0 x1ed hba y65a9 ff1 fs7 fc3 sc0 ls0 ws0\">3</div></td><td class=\"c x2453 y6f4e w124e h241\"><div class=\"t m0 x1ed hba y65a9 ff1 fs7 fc3 sc0 ls7 ws0\">5 Churchill Place, 10</div><div class=\"t m0 x2451 hd1 y65aa ff1 fs61 fc3 sc0 ls44 ws49\">th</div><div class=\"t m0 x2452 hba y65a9 ff1 fs7 fc3 sc0 ls7 ws0\">floor, London, E14 5HU, United Kingdom<span class=\"_ _3eb\"> </span></div></td><td></td></tr><tr><td></td><td class=\"t m0 x244e hba y6f4f ff1 fs7 fc3 sc0 ls7 ws0\">Robert Denholm House, Bletchingly Road, Nutfield, Redhill, RH1 4HW, </td><td></td></tr><tr><td class=\"t m0 x221 hba y6f50 ff1 fs7 fc3 sc0 ls0 ws0\">4<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x244e hba y6f50 ff1 fs7 fc3 sc0 ls7 ws0\">United Kingdom<span class=\"_ _3eb\"> </span></td><td></td></tr><tr><td class=\"c n x1ee y6f51 w124f h20d\"><div class=\"t m0 x1ed hba y65a9 ff1 fs7 fc3 sc0 ls0 ws0\">5</div></td><td class=\"c n x2454 y6f51 w1250 h20d\"><div class=\"t m0 x1ed hba y65a9 ff1 fs7 fc3 sc0 ls7 ws0\">Level 5, 345</div></td><td class=\"c n x2455 y6f51 w1251 h20d\"><div class=\"t m0 x1ed hba y65a9 ff1 fs7 fc3 sc0 ls7 ws0\">George St, Sydney NSW 2000, Australia<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td class=\"t m0 x244e hb y6f52 ff4 fs7 fc3 sc0 ls7 ws7\" colspan=\"2\">Milsons Landing, Level 5, 6A Glen Street, Milsons <span class=\"_ _7\"></span>Point NSW 2061, </td></tr><tr><td class=\"t m0 x221 hb y6f53 ff4 fs7 fc3 sc0 ls0 ws0\">6<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x244e hba y6f53 ff1 fs7 fc3 sc0 ls7 ws7\">Australia<span class=\"_ _3eb\"> </span></td><td></td></tr><tr><td></td><td class=\"c x2458 y6f54 w1252 h2e3\" colspan=\"2\"><div class=\"t m0 x1ed hba y65a9 ff1 fs7 fc3 sc0 ls0 ws0\">5</div><div class=\"t m0 x2456 hd1 y65aa ff1 fs61 fc3 sc0 ls44 ws49\">th</div><div class=\"t m0 x2457 hb y65a9 ff4 fs7 fc3 sc0 ls7 ws7\">Floor Standard House Bldg, The Mall, Queens <span class=\"_ _7\"></span>Road, PO Box 496,<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x221 hb y6f55 ff4 fs7 fc3 sc0 ls0 ws0\">7<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x244e hba y6f55 ff1 fs7 fc3 sc0 ls7 ws0\">Gaborone, Botswana<span class=\"_ _3eb\"> </span></td><td></td></tr><tr><td></td><td class=\"c x2458 y6f57 w1253 h2e4\" colspan=\"2\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">Avenida Brigadeiro Faria Lima, no 3.477, 6</div><div class=\"t m0 x2459 hd1 y6f56 ff1 fs61 fc3 sc0 ls0 ws0\">o</div><div class=\"t m0 x245a hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">andar, conjunto 62 \u2013 Torre<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td class=\"t m0 x244e hb y6f58 ff4 fs7 fc3 sc0 ls7 ws7\" colspan=\"2\">Norte, Condominio Patio Victor Malzoni, CEP 04538-133, Sao <span class=\"_ _7\"></span>Paulo, </td></tr><tr><td class=\"t m0 x221 hb y6f59 ff4 fs7 fc3 sc0 ls0 ws0\">8<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x244e hba y6f59 ff1 fs7 fc3 sc0 ls7 ws7\">Brazil<span class=\"_ _3eb\"> </span></td><td></td></tr><tr><td class=\"c n x1ee y6f5a w1254 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">9</div></td><td class=\"c n x245b y6f5a wf56 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">1155,</div></td><td class=\"c n x245c y6f5a w1255 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">Boulevard de la Libert\u00e9, Douala, B.P. 1784, Cameroon<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td class=\"t m0 x244e hb y6f5b ff4 fs7 fc3 sc0 ls7 ws7\" colspan=\"2\">66 Wellington Street, West, Suite 4100, Toronto Dominion <span class=\"_ _7\"></span>Centre, </td></tr><tr><td class=\"t m0 x221 hba y6f5c ff1 fs7 fc3 sc0 ls7 ws7\">10<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x244e hb y6f5c ff4 fs7 fc3 sc0 ls7 ws7\" colspan=\"2\">Toronto ON M5K 1B7, Canada<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c n x1ee y6f5d w11f1 h212\"><div class=\"t m0 x1ed hba y65a9 ff1 fs7 fc3 sc0 ls7 ws7\">11</div></td><td class=\"c n x245d y6f5d w1256 h212\" colspan=\"2\"><div class=\"t m0 x1ed hba y65a9 ff1 fs7 fc3 sc0 ls7 ws0\">Level 1, 55 Collins Street, Melbourne VIC 3000, Australia<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6f5e w88c h212\"><div class=\"t m0 x1ed hb y659e ff1 fs7 fc3 sc0 ls7 ws7\">12</div></td><td class=\"c n x245e y6f5e w1257 h20b\" colspan=\"2\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">No. 35, Xinhuanbei Road, TEDA, Tianjin, 300457, China<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6f5f w1258 h212\"><div class=\"t m0 x1ed hb y659e ff1 fs7 fc3 sc0 ls7 ws7\">13</div></td><td class=\"c n x245f y6f5f w1259 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">Room 2619,</div></td><td class=\"c n x2460 y6f5f w125a h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">No 9, Linhe West Road, Tianhe District, Guangzhou, China<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td class=\"t m0 x244e hb y6f60 ff4 fs7 fc3 sc0 ls7 ws7\" colspan=\"2\">Standard Chartered Bank Cote d\u2019Ivoire, 23 Boulevard de <span class=\"_ _7\"></span>la R\u00e9publique, </td></tr><tr><td class=\"t m0 x221 hba y6f61 ff1 fs7 fc3 sc0 ls7 ws7\">14<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x244e hb y6f61 ff4 fs7 fc3 sc0 ls7 ws7\" colspan=\"2\">Abidjan 17, 17 B.P. 1141, Cote d\u2019Ivoire<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c n x1ee y6f62 w590 h212\"><div class=\"t m0 x1ed hb y659e ff1 fs7 fc3 sc0 ls7 ws7\">15</div></td><td class=\"c n x2461 y6f62 w125b h20b\" colspan=\"2\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">8 Ecowas Avenue, Banjul, Gambia<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6f63 w145 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">16</div></td><td class=\"c n x2462 y6f63 w125c h20b\" colspan=\"2\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">TaunusTurm, Taunustor 1, 60310, Frankfurt am Main, Germany<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td class=\"t m0 x244e hb y6f64 ff4 fs7 fc3 sc0 ls7 ws7\" colspan=\"2\">Standard Chartered Bank Building, 87 Independance Avenue, Ridge, </td></tr><tr><td class=\"t m0 x221 hb y6f65 ff4 fs7 fc3 sc0 ls7 ws7\">17<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x244e hb y6f65 ff4 fs7 fc3 sc0 ls7 ws7\" colspan=\"2\">ACCRA, Greater ACCRA, GA-016-4621, Ghana<span class=\"_ _3eb\"> </span></td></tr><tr><td></td><td class=\"t m0 x244e hb y6f66 ff4 fs7 fc3 sc0 ls7 ws7\" colspan=\"2\">Standard Chartered Bank Building, No. 87, Independence Avenue, <span class=\"_ _7\"></span>P.O. </td></tr><tr><td class=\"t m0 x221 hb y6f67 ff4 fs7 fc3 sc0 ls7 ws7\">18<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x244e hb y6f67 ff4 fs7 fc3 sc0 ls7 ws7\" colspan=\"2\">Box 768, Accra, Ghana<span class=\"_ _3eb\"> </span></td></tr><tr><td></td><td class=\"t m0 x244e hb y6f68 ff4 fs7 fc3 sc0 ls7 ws7\" colspan=\"2\">Standard Chartered Bank Ghana Limited, 87, Independence Avenue, </td></tr><tr><td class=\"t m0 x221 hb y6f69 ff4 fs7 fc3 sc0 ls7 ws7\">19<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x244e hb y6f69 ff4 fs7 fc3 sc0 ls7 ws7\" colspan=\"2\">Post Office Box 678, Accra, Ghana<span class=\"_ _3eb\"> </span></td></tr><tr><td></td><td class=\"t m0 x244e hb y6f6a ff4 fs7 fc3 sc0 ls7 ws7\" colspan=\"2\">13/F Standard Chartered Bank Building, 4-4A Des Voeux <span class=\"_ _7\"></span>Road Central, </td></tr><tr><td class=\"t m0 x221 hba y6f6b ff1 fs7 fc3 sc0 ls7 ws7\">20<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x244e hba y6f6b ff1 fs7 fc3 sc0 ls7 ws0\">Hong Kong<span class=\"_ _3eb\"> </span></td><td></td></tr><tr><td class=\"c n x1ee y6f6c w88c h212\"><div class=\"t m0 x1ed hb y659e ff1 fs7 fc3 sc0 ls7 ws7\">21<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x245e y6f6c w125d h20b\" colspan=\"2\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">31/F, Tower 2 Times Square, 1 Matheson St, Causeway Bay, Hong <span class=\"_ _7\"></span>Kong<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td class=\"c x2458 y6f6d w125e h2e3\" colspan=\"2\"><div class=\"t m0 x1ed hb y65a9 ff4 fs7 fc3 sc0 ls0 ws0\">6</div><div class=\"t m0 x2456 hd1 y65aa ff1 fs61 fc3 sc0 ls44 ws49\">th</div><div class=\"t m0 x2463 hba y65a9 ff1 fs7 fc3 sc0 ls7 ws0\">Floor, Tower 3, DLF Downtown, 100 Feet Road, Tharamani, Chennai,<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x221 hba y6f6e ff1 fs7 fc3 sc0 ls7 ws7\">22<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x244e hb y6f6e ff4 fs7 fc3 sc0 ls7 ws7\" colspan=\"2\">Tamil Nadu, 600113, India<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c n x1ee y6f6f w6e1 h212\"><div class=\"t m0 x1ed hb y659e ff1 fs7 fc3 sc0 ls7 ws7\">23</div></td><td class=\"c n x2464 y6f6f w125f h20b\" colspan=\"2\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">90 M.G.Road, II Floor, Fort, Mumbai, Maharashtra, 400001, India<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td class=\"t m0 x244e hb y6f70 ff4 fs7 fc3 sc0 ls7 ws7\" colspan=\"2\">Ground Floor, Crescenzo Building, G Block, C 38/39, <span class=\"_ _7\"></span>Bandra Kurla </td></tr><tr><td class=\"t m0 x221 hba y6f71 ff1 fs7 fc3 sc0 ls7 ws7\">24<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x244e hb y6f71 ff4 fs7 fc3 sc0 ls7 ws7\" colspan=\"2\">Complex, Bandra (East), Mumbai, Maharashtra, 400051, India<span class=\"_ _3eb\"> </span></td></tr><tr><td></td><td class=\"c x2458 y6f73 w1260 h2e3\" colspan=\"2\"><div class=\"t m0 x1ed hb y65a9 ff4 fs7 fc3 sc0 ls7 ws7\">Unit RET-R5-186, Detached Retail R5, <span class=\"_ _7\"></span>Plot No: JLT-PH</div><div class=\"t m0 x2465 hd1 y6f72 ff1 fs61 fc3 sc0 ls0 ws0\">2</div><div class=\"t m0 x2466 hba y65a9 ff1 fs7 fc3 sc0 ls7 ws60\">-RET-R5, Jumeirah,<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x221 hba y6f74 ff1 fs7 fc3 sc0 ls7 ws7\">25<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x244e hba y6f74 ff1 fs7 fc3 sc0 ls7 ws0\" colspan=\"2\">United Arab Emirates<span class=\"_ _3eb\"> </span></td></tr><tr><td></td><td class=\"c x2458 y6f75 w1261 h20b\" colspan=\"2\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">Vaishnavi Serenity, First Floor, No. 112, Koramangala Industrial <span class=\"_ _7\"></span>Area, 5</div><div class=\"t m0 x2467 hd1 y659f ff1 fs61 fc3 sc0 ls44 ws49\">th<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x221 hb y6f76 ff4 fs7 fc3 sc0 ls7 ws7\">26<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x244e hb y6f76 ff4 fs7 fc3 sc0 ls7 ws7\" colspan=\"2\">Block, Koramangala, Bangalore, Karnataka, 560095, India<span class=\"_ _3eb\"> </span></td></tr><tr><td></td><td class=\"t m0 x244e hb y6f77 ff4 fs7 fc3 sc0 ls7 ws7\" colspan=\"2\">The Icon Business Park Blok F No. 5, <span class=\"_ _7\"></span>Desa/Kelurahan, Sampora Kec, </td></tr><tr><td class=\"t m0 x221 hb y6f78 ff4 fs7 fc3 sc0 ls7 ws7\">27<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x244e hb y6f78 ff4 fs7 fc3 sc0 ls7 ws7\" colspan=\"2\">Cisauk, Kab Tangerang Provinsi, Banten, 15345, Indonesia<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c n x1ee y6f79 w1262 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">28</div></td><td class=\"c n x2468 y6f79 w1263 h20b\" colspan=\"2\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">91 Pembroke Road, Dublin 4, <span class=\"_ _7\"></span>Ballsbridge, Dublin, DO4 EC42, Ireland<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td class=\"t m0 x244e hb y6f7a ff4 fs7 fc3 sc0 ls7 ws7\" colspan=\"2\">Third Floor, St. George\u2019s Court, Upper Church Street, <span class=\"_ _7\"></span>Douglas, IM1 1EE, </td></tr><tr><td class=\"t m0 x221 hb y6f7b ff4 fs7 fc3 sc0 ls7 ws7\">29<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x244e hba y6f7b ff1 fs7 fc3 sc0 ls7 ws0\">Isle of Man<span class=\"_ _3eb\"> </span></td><td></td></tr><tr><td></td><td class=\"t m0 x244e hb y6f7c ff4 fs7 fc3 sc0 ls7 ws7\" colspan=\"2\">21/F, Sanno Park Tower, 2-11-1 Nagatacho, Chiyoda-ku, Tokyo, <span class=\"_ _7\"></span>100-6155, </td></tr><tr><td class=\"t m0 x221 hba y6f7d ff1 fs7 fc3 sc0 ls7 ws7\">30<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x244e hba y6f7d ff1 fs7 fc3 sc0 ls7 ws7\">Japan<span class=\"_ _3eb\"> </span></td><td></td></tr><tr><td class=\"c n x1ee y6567 w1258 h2e5\"><div class=\"t m0 x1ed hb y6f7e ff1 fs7 fc3 sc0 ls7 ws7\">31</div></td><td class=\"c n x245f y6567 w1264 h2e6\"><div class=\"t m0 x1ed hb y6f7e ff4 fs7 fc3 sc0 ls7 ws7\">15 Castle Street, St Helier, JE4 8PT, Jersey<span class=\"_ _3eb\"> </span></div></td><td></td></tr></table></div><div class=\"gsa10\"><table class=\"s w1265 h2e7\" id=\"_4eb977ac-92ef-4378-aba1-f25e9eb98e04\"><tr><td></td><td class=\"t m0 x2469 hba y6f7f ff1 fs7 fc3 sc0 ls7 ws7\">Address<span class=\"_ _3eb\"> </span></td><td></td><td></td></tr><tr><td></td><td class=\"t m0 x2469 hb y6f80 ff4 fs7 fc3 sc0 ls7 ws7\">Standard Chartered@Chiromo, 48 Westlands Road, P. O. Box <span class=\"_ _7\"></span>30003 </td><td></td><td></td></tr><tr><td class=\"t m0 x2382 hba y6f81 ff1 fs7 fc3 sc0 ls7 ws7\">32<span class=\"_ _3eb\"> </span></td><td class=\"c n x246a y6f82 w1266 h20b\"><div class=\"t m0 x1ed hb y659b ff4 fs7 fc3 sc0 ls7 ws7\">\u2013</div></td><td class=\"c n x246b y6f82 w8a4 h20b\"><div class=\"t m0 x1ed hb y659b ff4 fs7 fc3 sc0 ls7 ws7\">00100,</div></td><td class=\"c n x246c y6f82 w1267 h20b\"><div class=\"t m0 x1ed hb y659b ff4 fs7 fc3 sc0 ls7 ws7\">Nairobi, Kenya<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td class=\"c x246a y6f84 w1268 h20b\" colspan=\"2\"><div class=\"t m0 x1ed hb y659b ff4 fs7 fc3 sc0 ls7 ws7\">Atrium Building, Maarad Street, 3</div><div class=\"t m0 x246d hd1 y6f83 ff1 fs61 fc3 sc0 ls44 ws49\">rd</div><div class=\"t m0 x246e hb y659b ff4 fs7 fc3 sc0 ls7 ws7\">Floor, P.O. Box 11-4081 Raid El Solh,<span class=\"_ _3eb\"> </span></div></td><td></td></tr><tr><td class=\"t m0 x2382 hba y6f85 ff1 fs7 fc3 sc0 ls7 ws7\">33<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x2469 hb y6f85 ff4 fs7 fc3 sc0 ls7 ws7\" colspan=\"2\">Beirut Central District, Lebanon<span class=\"_ _3eb\"> </span></td><td></td></tr><tr><td></td><td class=\"t m0 x2469 hba y6f86 ff1 fs7 fc3 sc0 ls7 ws0\" colspan=\"2\">Level 25, Equatorial Plaza, Jalan Sultan Ismail, 50250 Kuala Lumpur, </td><td></td></tr><tr><td class=\"t m0 x2382 hba y6f87 ff1 fs7 fc3 sc0 ls7 ws7\">34<span class=\"_ _3eb\"> </span></td><td></td><td class=\"t m0 x2469 hba y6f87 ff1 fs7 fc3 sc0 ls7 ws7\">Malaysia<span class=\"_ _3eb\"> </span></td><td></td></tr><tr><td></td><td class=\"t m0 x2469 hb y6f88 ff4 fs7 fc3 sc0 ls7 ws7\" colspan=\"2\">Suite 18-1, Level 18, Vertical Corporate Tower B, <span class=\"_ _7\"></span>Avenue 10, The Vertical, </td><td></td></tr><tr><td></td><td class=\"t m0 x2469 hb y6f89 ff4 fs7 fc3 sc0 ls7 ws7\" colspan=\"2\">Bangsar South City, No. 8, Jalan Kerinchi, 59200 <span class=\"_ _7\"></span>Kuala Lumpur, Wilayah </td><td></td></tr><tr><td class=\"t m0 x2382 hba y6f8a ff1 fs7 fc3 sc0 ls7 ws7\">35<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x2469 hba y6f8a ff1 fs7 fc3 sc0 ls7 ws0\" colspan=\"2\">Persekutuan, Malaysia<span class=\"_ _3eb\"> </span></td><td></td></tr><tr><td></td><td class=\"t m0 x2469 hb y6f8b ff4 fs7 fc3 sc0 ls7 ws7\" colspan=\"2\">Level 7, Mercu 3. No. 3, Jalan Bangsar, <span class=\"_ _7\"></span>KL ECO City, 59200 Kuala </td><td></td></tr><tr><td class=\"t m0 x2382 hb y6f8c ff4 fs7 fc3 sc0 ls7 ws7\">36<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x2469 hba y6f8c ff1 fs7 fc3 sc0 ls7 ws0\">Lumpur, Malaysia<span class=\"_ _3eb\"> </span></td><td></td><td></td></tr><tr><td></td><td class=\"t m0 x2469 hb y6f8d ff4 fs7 fc3 sc0 ls7 ws7\" colspan=\"2\">Level 13, Menara 1 Sentrum 201, Jalan Tun <span class=\"_ _7\"></span>Sambanthan, Brickfields, </td><td></td></tr><tr><td class=\"t m0 x2382 hb y6f8e ff4 fs7 fc3 sc0 ls7 ws7\">37<span class=\"_ _3eb\"> </span></td><td class=\"c n x246a y6f8f w1269 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">50470</div></td><td class=\"c n x246f y6f8f w126a h20b\" colspan=\"2\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">Kuala Lumpur, Malaysia<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td class=\"c x246a y6f90 w126b h20b\" colspan=\"2\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">6</div><div class=\"t m0 x2470 hd1 y659f ff1 fs61 fc3 sc0 ls44 ws49\">th</div><div class=\"t m0 x2471 hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">Floor, Standard Chartered Tower, 19, Bank Street, <span class=\"_ _7\"></span>Cybercity, Ebene,<span class=\"_ _3eb\"> </span></div></td><td></td></tr><tr><td class=\"t m0 x2382 hb y6f91 ff4 fs7 fc3 sc0 ls7 ws7\">38<span class=\"_ _3eb\"> </span></td><td class=\"c n x246a y6f92 w1028 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">72201,</div></td><td class=\"c n x2472 y6f92 w126c h20b\" colspan=\"2\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">Mauritius<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td class=\"c x246a y6f93 w126d h241\" colspan=\"2\"><div class=\"t m0 x1ed hba y65a9 ff1 fs7 fc3 sc0 ls7 ws0\">Mondial Management Services Ltd, Unit 2L, 2</div><div class=\"t m0 x2473 hd1 y65aa ff1 fs61 fc3 sc0 ls44 ws49\">nd</div><div class=\"t m0 x2474 hba y65a9 ff1 fs7 fc3 sc0 ls7 ws0\">Floor Standard<span class=\"_ _3eb\"> </span></div></td><td></td></tr><tr><td class=\"t m0 x2382 hb y6f94 ff4 fs7 fc3 sc0 ls7 ws7\">39<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x2469 hb y6f94 ff4 fs7 fc3 sc0 ls7 ws7\" colspan=\"2\">Chartered Tower, 19 Cybercity, Ebene, Mauritius<span class=\"_ _3eb\"> </span></td><td></td></tr><tr><td></td><td class=\"t m0 x2469 hb y6f95 ff4 fs7 fc3 sc0 ls7 ws7\" colspan=\"2\">Standard Chartered Bank Nepal Limited, Madan Bhandari Marg. <span class=\"_ _7\"></span>Ward </td><td></td></tr><tr><td></td><td class=\"t m0 x2469 hb y6f96 ff4 fs7 fc3 sc0 ls7 ws7\" colspan=\"2\">No.31, Kathmandu Metropolitan City, Kathmandu District, Bagmati </td><td></td></tr><tr><td class=\"t m0 x2382 hba y6f97 ff1 fs7 fc3 sc0 ls7 ws7\">40<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x2469 hb y6f97 ff4 fs7 fc3 sc0 ls7 ws7\" colspan=\"2\">Province, Kathmandu, 44600, Nepal<span class=\"_ _3eb\"> </span></td><td></td></tr><tr><td></td><td class=\"t m0 x2469 hba y6f98 ff1 fs7 fc3 sc0 ls7 ws0\" colspan=\"2\">PromisePay, 4 All good Place, Rototuna North, Hamilton, 3210, New </td><td></td></tr><tr><td class=\"t m0 x2382 hba y6f99 ff1 fs7 fc3 sc0 ls7 ws7\">41<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x2469 hba y6f99 ff1 fs7 fc3 sc0 ls7 ws7\">Zealand<span class=\"_ _3eb\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x1ee y6f9a w880 h20d\"><div class=\"t m0 x1ed hb y659e ff1 fs7 fc3 sc0 ls7 ws7\">42</div></td><td class=\"c n x2475 y6f9a w126e h20b\" colspan=\"2\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">142, Ahmadu Bello Way, Victoria Island, Lagos, 101241, Nigeria<span class=\"_ _3eb\"> </span></div></td><td></td></tr><tr><td class=\"c n x1ee y6f9b w126f h20d\"><div class=\"t m0 x1ed hb y659e ff1 fs7 fc3 sc0 ls7 ws7\">43</div></td><td class=\"c n x2476 y6f9b w1270 h20b\" colspan=\"2\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">P.O. Box No. 5556, I.I. <span class=\"_ _7\"></span>Chundrigar Road, Karachi, 74000, Pakistan<span class=\"_ _3eb\"> </span></div></td><td></td></tr><tr><td></td><td class=\"c x246a y6f9c w1271 h20b\" colspan=\"2\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">8</div><div class=\"t m0 x2470 hd1 y659f ff1 fs61 fc3 sc0 ls44 ws49\">th</div><div class=\"t m0 x2471 hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">Floor, Makati Sky Plaza Building 6788, Ayala <span class=\"_ _7\"></span>Avenue San Lorenzo,<span class=\"_ _3eb\"> </span></div></td><td></td></tr><tr><td class=\"t m0 x2382 hba y6f9d ff1 fs7 fc3 sc0 ls7 ws7\">44<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x2469 hb y6f9d ff4 fs7 fc3 sc0 ls7 ws7\" colspan=\"2\">City of Makati, Fourth District, National Capi, 1223, <span class=\"_ _7\"></span>Philippines<span class=\"_ _3eb\"> </span></td><td></td></tr><tr><td class=\"c n x1ee y6f9e w1272 h20d\"><div class=\"t m0 x1ed hb y659e ff1 fs7 fc3 sc0 ls7 ws7\">45</div></td><td class=\"c n x2477 y6f9e w1273 h20b\" colspan=\"2\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">Rondo Ignacego Daszy\u0144skiego 2B, 00-843, Warsaw, Poland<span class=\"_ _3eb\"> </span></div></td><td></td></tr><tr><td></td><td class=\"t m0 x2469 hb y6f9f ff4 fs7 fc3 sc0 ls7 ws7\" colspan=\"2\">8 Marina Boulevard, #25-01 Marina Bay Financial Centre, <span class=\"_ _7\"></span>018981, </td><td></td></tr><tr><td class=\"t m0 x2382 hb y6fa0 ff4 fs7 fc3 sc0 ls7 ws7\">46<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x2469 hba y6fa0 ff1 fs7 fc3 sc0 ls7 ws7\">Singapore<span class=\"_ _3eb\"> </span></td><td></td><td></td></tr><tr><td></td><td class=\"t m0 x2469 hb y6fa1 ff4 fs7 fc3 sc0 ls7 ws7\" colspan=\"2\">7 Changi Business Park Crescent, #03-00 Standard Chartered <span class=\"_ _7\"></span>@ </td><td></td></tr><tr><td class=\"t m0 x2382 hb y6fa2 ff4 fs7 fc3 sc0 ls7 ws7\">47<span class=\"_ _3eb\"> </span></td><td></td><td class=\"c n x246a y6fa3 w1274 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">Changi, 486028,</div></td><td class=\"c n x2478 y6fa3 w1275 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">Singapore<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td class=\"t m0 x2469 hb y6fa4 ff4 fs7 fc3 sc0 ls7 ws7\" colspan=\"2\">8 Marina Boulevard, #27-01 Marina Bay Financial Centre <span class=\"_ _7\"></span>Tower 1, </td><td></td></tr><tr><td class=\"t m0 x2382 hb y6fa5 ff4 fs7 fc3 sc0 ls7 ws7\">48<span class=\"_ _3eb\"> </span></td><td class=\"c n x246a y6f5e w1276 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">018981,<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n x2479 y6f5e w1277 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">Singapore<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6f5f w1278 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">49</div></td><td class=\"c n x247a y6f5f w1279 h20b\" colspan=\"2\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">1 Robinson Road, #17-00, AIA Tower, 048542, Singapore<span class=\"_ _3eb\"> </span></div></td><td></td></tr><tr><td class=\"c n x1ee y6fa6 w127a h212\"><div class=\"t m0 x1ed hb y659e ff1 fs7 fc3 sc0 ls7 ws7\">50<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x247b y6fa6 w127b h20b\" colspan=\"2\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">38 Beach Road, #29-11 South Beach Tower, 189767, <span class=\"_ _7\"></span>Singapore<span class=\"_ _3eb\"> </span></div></td><td></td></tr><tr><td></td><td class=\"t m0 x2469 hb y6fa7 ff4 fs7 fc3 sc0 ls7 ws7\" colspan=\"2\">Abogado Pte Ltd, No. 8 Marina Boulevard, #05-02 <span class=\"_ _7\"></span>MBFC Tower 1, </td><td></td></tr><tr><td class=\"t m0 x2382 hba y6fa8 ff1 fs7 fc3 sc0 ls7 ws7\">51<span class=\"_ _3eb\"> </span></td><td class=\"c n x246a y6f62 w1276 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">018981,<span class=\"_ _3eb\"> </span></div></td><td></td><td class=\"c n x2479 y6f62 w1277 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">Singapore<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6fa9 w127c h212\"><div class=\"t m0 x1ed hba y65a9 ff1 fs7 fc3 sc0 ls7 ws7\">52</div></td><td class=\"c x247e y6fa9 w127d h2e3\" colspan=\"2\"><div class=\"t m0 x1ed hba y65a9 ff1 fs7 fc3 sc0 ls0 ws0\">2</div><div class=\"t m0 x247c hd1 y65aa ff1 fs61 fc3 sc0 ls44 ws49\">nd</div><div class=\"t m0 x247d hb y65a9 ff4 fs7 fc3 sc0 ls7 ws7\">Floor, 115 West Street, Sandton, Johannesburg, 2196, <span class=\"_ _7\"></span>South Africa<span class=\"_ _3eb\"> </span></div></td><td></td></tr><tr><td></td><td class=\"t m0 x2469 hb y6faa ff4 fs7 fc3 sc0 ls7 ws7\" colspan=\"2\">1 Floor, International House, Shaaban Robert Street / <span class=\"_ _7\"></span>Garden Avenue, </td><td></td></tr><tr><td class=\"t m0 x2382 hba y6fab ff1 fs7 fc3 sc0 ls7 ws7\">53<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x2469 hb y6fab ff4 fs7 fc3 sc0 ls7 ws7\" colspan=\"2\">PO Box 9011, Dar Es Salaam, Tanzania, United <span class=\"_ _7\"></span>Republic of<span class=\"_ _3eb\"> </span></td><td></td></tr><tr><td></td><td class=\"c x246a y6fac w127e h2e3\" colspan=\"2\"><div class=\"t m0 x1ed hb y65a9 ff4 fs7 fc3 sc0 ls7 ws7\">No. 140, 11</div><div class=\"t m0 x247f hd1 y65aa ff1 fs61 fc3 sc0 ls44 ws49\">th</div><div class=\"t m0 x2480 hba y65a9 ff1 fs7 fc3 sc0 ls7 ws0\">, 12</div><div class=\"t m0 x2481 hd1 y65aa ff1 fs61 fc3 sc0 ls44 ws49\">th</div><div class=\"t m0 x2482 hba y65a9 ff1 fs7 fc3 sc0 ls7 ws0\">and 14</div><div class=\"t m0 x2483 hd1 y65aa ff1 fs61 fc3 sc0 ls44 ws49\">th</div><div class=\"t m0 x2484 hb y65a9 ff4 fs7 fc3 sc0 ls7 ws7\">Floor, Wireless Road, Lumpini, Patumwan,<span class=\"_ _3eb\"> </span></div></td><td></td></tr><tr><td class=\"t m0 x2382 hba y6fad ff1 fs7 fc3 sc0 ls7 ws7\">54<span class=\"_ _3eb\"> </span></td><td></td><td class=\"c n x246a y6fae w127f h212\"><div class=\"t m0 x1ed hba y65a9 ff1 fs7 fc3 sc0 ls7 ws0\">Bangkok, 10330,</div></td><td class=\"c n x2485 y6fae w1280 h212\"><div class=\"t m0 x1ed hba y65a9 ff1 fs7 fc3 sc0 ls7 ws0\">Thailand<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td class=\"t m0 x2469 hb y6faf ff4 fs7 fc3 sc0 ls7 ws7\" colspan=\"2\">Buyukdere Cad. Yapi Kredi Plaza C Blok, Kat <span class=\"_ _7\"></span>15, Levent, Istanbul, 34330, </td><td></td></tr><tr><td class=\"t m0 x2382 hba y6fb0 ff1 fs7 fc3 sc0 ls7 ws7\">55<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x2469 hba y6fb0 ff1 fs7 fc3 sc0 ls7 ws7\">Turkey<span class=\"_ _3eb\"> </span></td><td></td><td></td></tr><tr><td></td><td class=\"t m0 x2469 hb y6fb1 ff4 fs7 fc3 sc0 ls7 ws7\" colspan=\"2\">Standard Chartered Bank Bldg, 5 Speke Road, PO <span class=\"_ _7\"></span>Box 7111, Kampala, </td><td></td></tr><tr><td class=\"t m0 x2382 hb y6fb2 ff4 fs7 fc3 sc0 ls7 ws7\">56<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x2469 hba y6fb2 ff1 fs7 fc3 sc0 ls7 ws7\">Uganda<span class=\"_ _3eb\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x1ee y6fb3 w1281 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">57</div></td><td class=\"c n x2486 y6fb3 w1282 h20b\" colspan=\"2\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">14 Mackinnon Road, Nakasero, Kampala, 141769, Uganda<span class=\"_ _3eb\"> </span></div></td><td></td></tr><tr><td></td><td class=\"t m0 x2469 hba y6fb4 ff1 fs7 fc3 sc0 ls7 ws0\" colspan=\"2\">Arjaan Office Towers, Office 105, Dubai Media City, United Arab </td><td></td></tr><tr><td class=\"t m0 x2382 hb y6fb5 ff4 fs7 fc3 sc0 ls7 ws7\">58<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x2469 hba y6fb5 ff1 fs7 fc3 sc0 ls7 ws7\">Emirates<span class=\"_ _3eb\"> </span></td><td></td><td></td></tr><tr><td></td><td class=\"t m0 x2469 hb y6fb6 ff4 fs7 fc3 sc0 ls7 ws7\" colspan=\"2\">Unit IH-00-01-07-OF-05, Level 7, IH-00-01-CP-05, Dubai International </td><td></td></tr><tr><td class=\"t m0 x2382 hb y6fb7 ff4 fs7 fc3 sc0 ls7 ws7\">59<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x2469 hb y6fb7 ff4 fs7 fc3 sc0 ls7 ws7\" colspan=\"2\">Financial Centre, Dubai, United Arab Emirates<span class=\"_ _3eb\"> </span></td><td></td></tr><tr><td></td><td class=\"c x246a y6fb8 w1283 h20b\" colspan=\"2\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">Standard Chartered Bank, 7</div><div class=\"t m0 x2487 hd1 y659f ff1 fs61 fc3 sc0 ls44 ws49\">th</div><div class=\"t m0 x2488 hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">Floor, Building One, Gate Precinct, DIFC,<span class=\"_ _3eb\"> </span></div></td><td></td></tr><tr><td class=\"t m0 x2382 hb y6fb9 ff4 fs7 fc3 sc0 ls7 ws7\">60<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x2469 hb y6fb9 ff4 fs7 fc3 sc0 ls7 ws7\" colspan=\"2\">PO Box 999, Dubai, United Arab Emirates<span class=\"_ _3eb\"> </span></td><td></td></tr><tr><td></td><td class=\"t m0 x2469 hb y6fba ff4 fs7 fc3 sc0 ls7 ws7\" colspan=\"2\">Part of Level 15, Standard Chartered Bank Building, <span class=\"_ _7\"></span>Plot 8, Burj </td><td></td></tr><tr><td class=\"t m0 x2382 hb y6fbb ff4 fs7 fc3 sc0 ls7 ws7\">61<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x2469 hba y6fbb ff1 fs7 fc3 sc0 ls7 ws0\" colspan=\"2\">Downtown, Dubai, United Arab Emirates<span class=\"_ _3eb\"> </span></td><td></td></tr><tr><td></td><td class=\"t m0 x2469 hb y6fbc ff4 fs7 fc3 sc0 ls7 ws7\" colspan=\"2\">Corporation Trust Center, 1209 Orange Street, Wilmington DE <span class=\"_ _7\"></span>19801, </td><td></td></tr><tr><td class=\"t m0 x2382 hb y6fbd ff4 fs7 fc3 sc0 ls7 ws7\">62<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x2469 hba y6fbd ff1 fs7 fc3 sc0 ls7 ws0\">United States<span class=\"_ _3eb\"> </span></td><td></td><td></td></tr><tr><td></td><td class=\"c n x246a y6fbe w1284 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">Office 1809, 18</div></td><td class=\"c n x2489 y6fbe w1285 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">Floor Sky Tower, Shams Abu <span class=\"_ _7\"></span>Dhabi, Al Reem Island, Abu<span class=\"_ _3eb\"> </span></div></td><td></td></tr><tr><td class=\"t m0 x2382 hb y6fbf ff4 fs7 fc3 sc0 ls7 ws7\">63<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x2469 hba y6fbf ff1 fs7 fc3 sc0 ls7 ws0\" colspan=\"2\">Dhabi, United Arab Emirates<span class=\"_ _3eb\"> </span></td><td></td></tr><tr><td class=\"c n x1ee y6fc0 w1278 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">64</div></td><td class=\"c n x247a y6fc0 w1286 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">251</div></td><td class=\"c n x248a y6fc0 w1287 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">Little Falls Drive, Wilmington DE 19808, United States<span class=\"_ _3eb\"> </span></div></td><td></td></tr><tr><td></td><td class=\"t m0 x2469 hb y6fc1 ff4 fs7 fc3 sc0 ls7 ws7\">Level 3, #CP1.L01 and CP2.L01, Capital Place, 29 <span class=\"_ _7\"></span>Lieu Giai, Ngoc Ha </td><td></td><td></td></tr><tr><td class=\"t m0 x2382 hb y6fc2 ff4 fs7 fc3 sc0 ls7 ws7\">65<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x2469 hba y6fc2 ff1 fs7 fc3 sc0 ls7 ws0\">Ward, Hanoi, 10000, Vietnam<span class=\"_ _3eb\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x1ee y6fc3 w1288 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">66</div></td><td class=\"c n x2454 y6fc3 w1289 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">Victoria House, State House Avenue, Victoria, MAHE, Seychelles<span class=\"_ _3eb\"> </span></div></td><td></td><td></td></tr><tr><td class=\"c n x1ee y6866 w128a h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">67</div></td><td class=\"c n x248b y6866 w128b h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">Gervinusstrasse 17, 60322, Frankfurt am Main, Hesse, Germany<span class=\"_ _3eb\"> </span></div></td><td></td><td></td></tr></table></div><div class=\"gs3ff\"><table class=\"s w128c h2e8\" id=\"_a3c1dbdf-163c-4b5e-9b5d-852d13761c88\"><tr><td></td><td class=\"t m1 x248c hba y6fc4 ff1 fs7 fc3 sc0 ls7 ws7\">Address<span class=\"_ _3eb\"> </span></td><td></td></tr><tr><td></td><td class=\"t m1 x248c hba y6fc5 ff1 fs7 fc3 sc0 ls7 ws0\">Ground Floor, Two Dockland Central, Guild Street, North Dock, Dublin, </td><td></td></tr><tr><td class=\"t m1 x235 hb y6fc6 ff4 fs7 fc3 sc0 ls7 ws7\">68<span class=\"_ _3eb\"> </span></td><td class=\"t m1 x248c hba y6fc6 ff1 fs7 fc3 sc0 ls7 ws0\">D01 K2C5, Ireland<span class=\"_ _3eb\"> </span></td><td></td></tr><tr><td></td><td class=\"t m1 x248c hb y6fc7 ff4 fs7 fc3 sc0 ls7 ws7\">60B, Orchard Road, #06-18, Tower 2, The Atrium <span class=\"_ _7\"></span>@ Orchard, 238891, </td><td></td></tr><tr><td class=\"t m1 x235 hb y6fc8 ff4 fs7 fc3 sc0 ls7 ws7\">69<span class=\"_ _3eb\"> </span></td><td class=\"t m1 x248c hba y6fc8 ff1 fs7 fc3 sc0 ls7 ws7\">Singapore<span class=\"_ _3eb\"> </span></td><td></td></tr><tr><td></td><td class=\"t m1 x248c hb y6fc9 ff4 fs7 fc3 sc0 ls7 ws7\">17F, 47, Jong-ro, Jongno-gu, (17F, 100, Gongpyeong-dong, Jongno-gu), </td><td></td></tr><tr><td class=\"t m1 x235 hb y6fca ff4 fs7 fc3 sc0 ls7 ws7\">70<span class=\"_ _3eb\"> </span></td><td class=\"t m1 x248c hba y6fca ff1 fs7 fc3 sc0 ls7 ws0\">Seoul, Korea, Republic of<span class=\"_ _3eb\"> </span></td><td></td></tr><tr><td class=\"c n x1ee y6fcb w128d h20b\"><div class=\"t m1 x1ed hb y659b ff4 fs7 fc3 sc0 ls7 ws7\">71</div></td><td class=\"c n x248d y6fcb w128e h20b\"><div class=\"t m1 x1ed hb y659b ff4 fs7 fc3 sc0 ls7 ws7\">Bucktrout House, Glategny Esplanade, St Peter Port, GY1 3HQ, Guernsey<span class=\"_ _3eb\"> </span></div></td><td></td></tr><tr><td class=\"c n x1ee y6fcc w128f h20c\"><div class=\"t m1 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">72</div></td><td class=\"c n x248e y6fcc w1290 h20c\"><div class=\"t m1 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">30 Rue Schrobilgen, 2526, Luxembourg<span class=\"_ _3eb\"> </span></div></td><td></td></tr><tr><td class=\"c n x1ee y6fcd w871 h20b\"><div class=\"t m1 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">73</div></td><td class=\"c n x248f y6fcd w1291 h20b\"><div class=\"t m1 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">Luis Alberto de Herrera 1248, Torre II, Piso <span class=\"_ _7\"></span>11, Esc. 1111, Uruguay<span class=\"_ _3eb\"> </span></div></td><td></td></tr><tr><td class=\"c n x1ee y6fce w1292 h20b\"><div class=\"t m1 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">74</div></td><td class=\"c n x2490 y6fce w1293 h20b\"><div class=\"t m1 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">5-4, Bongeunsa-ro 29-gil, Gangnam-gu, Seoul, 06109, Korea<span class=\"_ _3eb\"> </span></div></td><td></td></tr><tr><td></td><td class=\"t m1 x248c hba y6fcf ff1 fs7 fc3 sc0 ls7 ws0\">Standard Chartered Tower, 201 Century Avenue, Pudong, Shanghai, </td><td></td></tr><tr><td class=\"t m1 x235 hb y6fd0 ff4 fs7 fc3 sc0 ls7 ws7\">75<span class=\"_ _3eb\"> </span></td><td class=\"c n x2491 y6fd1 w1294 h20d\"><div class=\"t m1 x1ed hba y65a9 ff1 fs7 fc3 sc0 ls7 ws0\">200120,</div></td><td class=\"c n x2492 y6fd1 w32d h20d\"><div class=\"t m1 x1ed hba y65a9 ff1 fs7 fc3 sc0 ls7 ws0\">China<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td class=\"t m1 x248c hb y6fd2 ff4 fs7 fc3 sc0 ls7 ws7\" colspan=\"2\">1201 1-2, 15-16, 12/F, Unit No.1, Building No.1, <span class=\"_ _7\"></span>No. 1 Dongsanhuan Zhong </td></tr><tr><td class=\"t m1 x235 hb y6fd3 ff4 fs7 fc3 sc0 ls7 ws7\">76<span class=\"_ _3eb\"> </span></td><td class=\"t m1 x248c hb y6fd3 ff4 fs7 fc3 sc0 ls7 ws7\" colspan=\"2\">Road, Chaoyang District, Beijing, China<span class=\"_ _3eb\"> </span></td></tr><tr><td></td><td class=\"t m1 x248c hb y6fd4 ff4 fs7 fc3 sc0 ls7 ws7\" colspan=\"2\">18/F., Standard Chartered Tower, 388 Kwun Tong Road, <span class=\"_ _7\"></span>Kwun Tong, </td></tr><tr><td class=\"t m1 x235 hb y6fd5 ff4 fs7 fc3 sc0 ls7 ws7\">77<span class=\"_ _3eb\"> </span></td><td class=\"t m1 x248c hba y6fd5 ff1 fs7 fc3 sc0 ls7 ws0\" colspan=\"2\">Kowloon, Hong Kong<span class=\"_ _3eb\"> </span></td></tr><tr><td></td><td class=\"t m1 x248c hb y6fd6 ff4 fs7 fc3 sc0 ls7 ws7\" colspan=\"2\">15/F., Two International Finance Centre, No. 8 Finance <span class=\"_ _7\"></span>Street, Central, </td></tr><tr><td class=\"t m1 x235 hb y6fd7 ff4 fs7 fc3 sc0 ls7 ws7\">78<span class=\"_ _3eb\"> </span></td><td class=\"t m1 x248c hba y6fd7 ff1 fs7 fc3 sc0 ls7 ws0\">Hong Kong<span class=\"_ _3eb\"> </span></td><td></td></tr><tr><td></td><td class=\"t m1 x248c hb y6fd8 ff4 fs7 fc3 sc0 ls7 ws7\" colspan=\"2\">39/F., Oxford House, Taikoo Place, 979 King\u2019s Road, <span class=\"_ _7\"></span>Quarry Bay, </td></tr><tr><td class=\"t m1 x235 hb y6fd9 ff4 fs7 fc3 sc0 ls7 ws7\">79<span class=\"_ _3eb\"> </span></td><td class=\"t m1 x248c hb y6fd9 ff4 fs7 fc3 sc0 ls7 ws7\">Hong<span class=\"_ gs1a2\"> </span>Kong<span class=\"_ _3eb\"> </span></td><td></td></tr><tr><td class=\"c n x1ee y6fda wfed h20b\"><div class=\"t m1 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">80</div></td><td class=\"c n x2493 y6fda w1295 h20b\" colspan=\"2\"><div class=\"t m1 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">32/F., 4-4A Des Voeux Road, Central, Hong Kong<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6fdb w1296 h20b\"><div class=\"t m1 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">81</div></td><td class=\"c x2496 y6fdb w1297 h20b\" colspan=\"2\"><div class=\"t m1 x1ed hb y659e ff1 fs7 fc3 sc0 ls7 ws7\">14</div><div class=\"t m1 x2494 hd1 y659f ff1 fs61 fc3 sc0 ls44 ws49\">th</div><div class=\"t m1 x2495 hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">Floor, One Taikoo Place, 979 King\u2019s Road, <span class=\"_ _7\"></span>Quarry Bay, Hong Kong<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td class=\"t m1 x248c hb y6fdc ff4 fs7 fc3 sc0 ls7 ws7\" colspan=\"2\">14/F, Standard Chartered Bank Building, 4-4A Des Voeux <span class=\"_ _7\"></span>Road, Central, </td></tr><tr><td class=\"t m1 x235 hb y6fdd ff4 fs7 fc3 sc0 ls7 ws7\">82<span class=\"_ _3eb\"> </span></td><td class=\"t m1 x248c hba y6fdd ff1 fs7 fc3 sc0 ls7 ws0\">Hong Kong<span class=\"_ _3eb\"> </span></td><td></td></tr><tr><td class=\"c n x1ee y6fde w67a h20b\"><div class=\"t m1 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">83</div></td><td class=\"c n x2497 y6fde w1298 h20d\" colspan=\"2\"><div class=\"t m1 x1ed hb y659e ff1 fs7 fc3 sc0 ls7 ws0\">IFC 5, St Helier, JE1 1ST, Jersey<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6fdf w1299 h20b\"><div class=\"t m1 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">84</div></td><td class=\"c n x2475 y6fdf w129a h20b\" colspan=\"2\"><div class=\"t m1 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">47, Jong-ro, Jongno-gu, Seoul, 110-702, Korea, Republic of<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6fe0 w179 h20b\"><div class=\"t m1 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">85</div></td><td class=\"c n x2498 y6fe0 w129b h20b\" colspan=\"2\"><div class=\"t m1 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">2F, 47, Jong-ro, Jongno-gu, Seoul, Korea, Republic of<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td class=\"t m1 x248c hba y6fe1 ff1 fs7 fc3 sc0 ls7 ws0\" colspan=\"2\">Trust Company Complex, Ajeltake Road, Ajeltake Island, Majuro, </td></tr><tr><td class=\"t m1 x235 hb y6fe2 ff4 fs7 fc3 sc0 ls7 ws7\">86<span class=\"_ _3eb\"> </span></td><td class=\"c n x2491 y6fe3 w129c h20b\"><div class=\"t m1 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">MH96960,</div></td><td class=\"c n x2499 y6fe3 w129d h20b\"><div class=\"t m1 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">Marshall Islands<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td class=\"c x2491 y6fe4 w129e h2e3\" colspan=\"2\"><div class=\"t m1 x1ed hba y65a9 ff1 fs7 fc3 sc0 ls0 ws0\">3</div><div class=\"t m1 x249a hd1 y65aa ff1 fs61 fc3 sc0 ls44 ws49\">rd</div><div class=\"t m1 x249b hb y65a9 ff4 fs7 fc3 sc0 ls7 ws7\">Floor Main SCB Building, I.I Chundrigar Road, <span class=\"_ _7\"></span>Karachi, Sindh, 74000,<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m1 x235 hb y6fe5 ff4 fs7 fc3 sc0 ls7 ws7\">87<span class=\"_ _3eb\"> </span></td><td class=\"t m1 x248c hba y6fe5 ff1 fs7 fc3 sc0 ls7 ws7\">Pakistan<span class=\"_ _3eb\"> </span></td><td></td></tr><tr><td></td><td class=\"t m1 x248c hb y6fe6 ff4 fs7 fc3 sc0 ls7 ws7\" colspan=\"2\">1F, No.177 &amp; 3F-6F, 18F, No.179, Liaoning Street, <span class=\"_ _7\"></span>Zhongshan Dist., Taipei, </td></tr><tr><td class=\"t m1 x235 hb y6fe7 ff4 fs7 fc3 sc0 ls7 ws7\">88<span class=\"_ _3eb\"> </span></td><td class=\"t m1 x248c hb y6fe7 ff4 fs7 fc3 sc0 ls7 ws7\" colspan=\"2\">104, Taiwan (Province of China)<span class=\"_ _3eb\"> </span></td></tr><tr><td></td><td class=\"t m1 x248c hb y6fe8 ff4 fs7 fc3 sc0 ls7 ws7\" colspan=\"2\">C/O Corporation Service Company, 251 Little Falls Drive, <span class=\"_ _7\"></span>Wilmington </td></tr><tr><td class=\"t m1 x235 hb y6fe9 ff4 fs7 fc3 sc0 ls7 ws7\">89<span class=\"_ _3eb\"> </span></td><td class=\"c n x2491 y6fea w129f h20b\"><div class=\"t m1 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">DE<span class=\"_ gs1a2\"> </span>19808,</div></td><td class=\"c n x249c y6fea w85b h20b\"><div class=\"t m1 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">United States<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6feb w12a0 h20b\"><div class=\"t m1 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">90</div></td><td class=\"c n x249d y6feb w12a1 h20b\" colspan=\"2\"><div class=\"t m1 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">16 Raffles Quay, #16-02, Hong Leong Building, 048581, Singapore<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td class=\"c n x2491 y6fec w12a2 h20b\"><div class=\"t m1 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">Suite 12100,</div></td><td class=\"c n x249e y6fec w12a3 h20b\"><div class=\"t m1 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">12/F., YF Life Tower, 33 Lockhart <span class=\"_ _7\"></span>Road, Wan Chai,<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m1 x235 hb y6fed ff4 fs7 fc3 sc0 ls7 ws7\">91<span class=\"_ _3eb\"> </span></td><td class=\"t m1 x248c hb y6fed ff4 fs7 fc3 sc0 ls7 ws7\">Hong<span class=\"_ gs1a2\"> </span>Kong<span class=\"_ _3eb\"> </span></td><td></td></tr><tr><td class=\"c n x1ee y6fee w12a4 h20b\"><div class=\"t m1 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">92</div></td><td class=\"c x248f y6fee w12a5 h20b\" colspan=\"2\"><div class=\"t m1 x1ed hb y659e ff1 fs7 fc3 sc0 ls0 ws0\">1</div><div class=\"t m1 x249f hd1 y659f ff1 fs61 fc3 sc0 ls44 ws49\">st</div><div class=\"t m1 x24a0 hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">Floor, UB Plaza, No. 1 &amp; 2, <span class=\"_ _7\"></span>Vittal Mallya Road, Bengalur, India<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td class=\"c x2491 y6fef w12a6 h2e3\" colspan=\"2\"><div class=\"t m1 x1ed hba y65a9 ff1 fs7 fc3 sc0 ls7 ws7\">12</div><div class=\"t m1 x24a1 hd1 y65aa ff1 fs61 fc3 sc0 ls44 ws49\">th</div><div class=\"t m1 x24a2 hb y65a9 ff4 fs7 fc3 sc0 ls7 ws7\">Floor, Crescenzo Business District, Plot no. C-38/39, <span class=\"_ _7\"></span>G-Block, Bandra<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m1 x235 hb y6ff0 ff4 fs7 fc3 sc0 ls7 ws7\">93<span class=\"_ _3eb\"> </span></td><td class=\"t m1 x248c hb y6ff0 ff4 fs7 fc3 sc0 ls7 ws7\" colspan=\"2\">\u2013 Kurla Complex, Bandra East, Mumbai, Maharashtra, 400051, <span class=\"_ _7\"></span>India<span class=\"_ _3eb\"> </span></td></tr><tr><td></td><td class=\"c x2491 y6ff1 w12a7 h20b\" colspan=\"2\"><div class=\"t m1 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">16</div><div class=\"t m1 x24a1 hd1 y659f ff1 fs61 fc3 sc0 ls44 ws49\">th</div><div class=\"t m1 x24a3 hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">Floor, WeWork Hub 71, Al Khatem Tower, <span class=\"_ _7\"></span>ADGM Square, Al Maryah<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m1 x235 hb y6ff2 ff4 fs7 fc3 sc0 ls7 ws7\">94<span class=\"_ _3eb\"> </span></td><td class=\"t m1 x248c hba y6ff2 ff1 fs7 fc3 sc0 ls7 ws0\" colspan=\"2\">Island, Abu Dhabi, United Arab Emirates<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c n x1ee y6ff3 we97 h20b\"><div class=\"t m1 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">95</div></td><td class=\"c n x24a4 y6ff3 w12a8 h20b\"><div class=\"t m1 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">218</div></td><td class=\"c n x24a5 y6ff3 w12a9 h20b\"><div class=\"t m1 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">Haihe East Road, Hedong District, <span class=\"_ _7\"></span>Tianjin, 300012, China<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td class=\"c x2491 y6ff4 w12aa h2e3\" colspan=\"2\"><div class=\"t m1 x1ed hba y65a9 ff1 fs7 fc3 sc0 ls7 ws0\">Parker Andrews Ltd, 5</div><div class=\"t m1 x24a6 hd1 y65aa ff1 fs61 fc3 sc0 ls44 ws49\">th</div><div class=\"t m1 x24a7 hb y65a9 ff4 fs7 fc3 sc0 ls7 ws7\">Floor. The Union Building, 51-59 Rose Lane,<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m1 x235 hb y6ff5 ff4 fs7 fc3 sc0 ls7 ws7\">96<span class=\"_ _3eb\"> </span></td><td class=\"t m1 x248c hba y6ff5 ff1 fs7 fc3 sc0 ls7 ws0\">Norwich, NR1 1BY<span class=\"_ _3eb\"> </span></td><td></td></tr><tr><td></td><td class=\"t m1 x248c hb y6ff6 ff4 fs7 fc3 sc0 ls7 ws7\" colspan=\"2\">Unit 1 \u2013 127A, WeWork Futura, Magarpatta Road, <span class=\"_ _7\"></span>Kirtane Baug, </td></tr><tr><td class=\"t m1 x235 hb y6ff7 ff4 fs7 fc3 sc0 ls7 ws7\">97<span class=\"_ _3eb\"> </span></td><td class=\"t m1 x248c hb y6ff7 ff4 fs7 fc3 sc0 ls7 ws7\" colspan=\"2\">Hadpsar I.E., Pune \u2013 411013, Maharashtra, India<span class=\"_ _3eb\"> </span></td></tr><tr><td></td><td class=\"t m1 x248c hb y6ff8 ff4 fs7 fc3 sc0 ls7 ws7\" colspan=\"2\">L17-11, Floor 17, Vincom Center, 72 Le Thanh <span class=\"_ _7\"></span>Ton, Ben Nghe Ward, </td></tr><tr><td class=\"t m1 x235 hb y6ff9 ff4 fs7 fc3 sc0 ls7 ws7\">98<span class=\"_ _3eb\"> </span></td><td class=\"t m1 x248c hb y6ff9 ff4 fs7 fc3 sc0 ls7 ws7\" colspan=\"2\">District 1, Ho Chi Minh City, Vietnam<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c n x1ee y6ffa w1288 h20b\"><div class=\"t m1 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">99</div></td><td class=\"c x2454 y6ffa w12ab h20b\" colspan=\"2\"><div class=\"t m1 x1ed hb y659e ff1 fs7 fc3 sc0 ls7 ws7\">30</div><div class=\"t m1 x24a8 hd1 y659f ff1 fs61 fc3 sc0 ls44 ws49\">th</div><div class=\"t m1 x24a9 hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">floor, One Taikoo Place, 979 King\u2019s Road, <span class=\"_ _7\"></span>Hong Kong, Hong Kong<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6ffb w12ac h212\"><div class=\"t m1 x1ed hb y659e ff1 fs7 fc3 sc0 ls7 ws7\">100</div></td><td class=\"c n x24aa y6ffb w12ad h20b\" colspan=\"2\"><div class=\"t m1 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">5.01 and 5.02 Convention Tower, DWTC, Dubai, United Arab Emirates<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td class=\"t m1 x248c hb y6ffc ff4 fs7 fc3 sc0 ls7 ws7\" colspan=\"2\">Al Tamimi &amp; Company International Limited, Tornado Tower, <span class=\"_ _7\"></span>No. 17, </td></tr><tr><td class=\"t m1 x235 hba y6ffd ff1 fs7 fc3 sc0 ls7 ws7\">101<span class=\"_ _3eb\"> </span></td><td class=\"c x2491 y6ffe w12ae h20b\" colspan=\"2\"><div class=\"t m1 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">19</div><div class=\"t m1 x24a1 hd1 y659f ff1 fs61 fc3 sc0 ls44 ws49\">th</div><div class=\"t m1 x24ab hb y659e ff4 fs7 fc3 sc0 ls7 ws7\"><span class=\"_ gs1a2\"> </span>Floor, Doha, Qatar<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6fff w171 h212\"><div class=\"t m1 x1ed hb y659e ff1 fs7 fc3 sc0 ls7 ws7\">102</div></td><td class=\"c n x24ac y6fff w142 h20b\"><div class=\"t m1 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">100</div></td><td class=\"c n x24ad y6fff w12af h20b\"><div class=\"t m1 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">Longwater Avenue, Reading, Berkshire, RG2 6GP, United Kingdom<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td class=\"t m1 x248c hb y7000 ff4 fs7 fc3 sc0 ls7 ws7\" colspan=\"2\">DD-14-116-033, 15, Al Khatem Tower, WeWork Hub 71, <span class=\"_ _7\"></span>Abu Dhabi Global </td></tr><tr><td class=\"t m1 x235 hba y7001 ff1 fs7 fc3 sc0 ls7 ws7\">103<span class=\"_ _3eb\"> </span></td><td class=\"t m1 x248c hba y7001 ff1 fs7 fc3 sc0 ls7 ws0\" colspan=\"2\">Market Square, Abu Dhabi, Al Maryah Island, United Arab Emirates<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c n x1ee y7002 w67c h212\"><div class=\"t m1 x1ed hb y659e ff1 fs7 fc3 sc0 ls7 ws7\">104</div></td><td class=\"c n x24ae y7002 w12b0 h20b\" colspan=\"2\"><div class=\"t m1 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">Office 7, 35-37 Ludgate Hill, London, EC4M 7JN<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td class=\"c x2491 y7003 w12b1 h20b\" colspan=\"2\"><div class=\"t m1 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">Eastland Citadel, 6</div><div class=\"t m1 x24af hd1 y659f ff1 fs61 fc3 sc0 ls44 ws49\">th</div><div class=\"t m1 x24b0 hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">Floor, No.102, Hosur Road, Madiwala Check post,<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m1 x235 hba y7004 ff1 fs7 fc3 sc0 ls7 ws7\">105<span class=\"_ _3eb\"> </span></td><td class=\"t m1 x248c hb y7004 ff4 fs7 fc3 sc0 ls7 ws7\" colspan=\"2\">Bangalore, 560 029, India<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c n x1ee y7005 w4bb h20b\"><div class=\"t m1 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">106<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x24b1 y7005 w12b2 h20b\" colspan=\"2\"><div class=\"t m1 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">53 Boulevard Royal, Grand Duchy of Luxembourg, 2449, <span class=\"_ _7\"></span>Luxembourg<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6fbe wea5 h20b\"><div class=\"t m1 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">107</div></td><td class=\"c x24b4 y6fbe w12b3 h20b\" colspan=\"2\"><div class=\"t m1 x1ed hb y659e ff1 fs7 fc3 sc0 ls0 ws0\">1</div><div class=\"t m1 x24b2 hd1 y659f ff1 fs61 fc3 sc0 ls44 ws49\">st</div><div class=\"t m1 x24b3 hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">Floor, 6-8 Eastcheap, London, EC3M 1AE<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td class=\"t m1 x248c hb y7006 ff4 fs7 fc3 sc0 ls7 ws7\" colspan=\"2\">G01-02, Wisma Haji Mohd Taha Building, Jalan Gadong, <span class=\"_ _7\"></span>BE4119, </td></tr><tr><td class=\"t m1 x235 hb y7007 ff4 fs7 fc3 sc0 ls7 ws7\">108<span class=\"_ _3eb\"> </span></td><td class=\"t m1 x248c hb y7007 ff4 fs7 fc3 sc0 ls7 ws7\">Brunei<span class=\"_ gs1a2\"> </span>Darussalam<span class=\"_ _3eb\"> </span></td><td></td></tr><tr><td class=\"c n x1ee y7008 w4bb h20b\"><div class=\"t m1 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">109<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x24b1 y7008 w12b4 h20b\" colspan=\"2\"><div class=\"t m1 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">38 Beach Road, #19-11 South Beach Tower, 189767, <span class=\"_ _7\"></span>Singapore<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td class=\"t m1 x248c hb y7009 ff4 fs7 fc3 sc0 ls7 ws7\" colspan=\"2\">10 Marina Boulevard #08-08, Marina Bay Financial Centre, <span class=\"_ _7\"></span>018983, </td></tr><tr><td class=\"t m1 x235 hba y700a ff1 fs7 fc3 sc0 ls7 ws7\">110<span class=\"_ _3eb\"> </span></td><td class=\"t m1 x248c hba y700a ff1 fs7 fc3 sc0 ls7 ws7\">Singapore<span class=\"_ _3eb\"> </span></td><td></td></tr><tr><td class=\"c n x1ee y6567 w12b5 h2e5\"><div class=\"t m1 x1ed hb y6f7e ff1 fs7 fc3 sc0 ls7 ws7\">111</div></td><td class=\"c n x24b5 y6567 w12b6 h2e6\"><div class=\"t m1 x1ed hb y6f7e ff4 fs7 fc3 sc0 ls7 ws7\">1095</div></td><td class=\"c n x24b6 y6567 w12b7 h2e6\"><div class=\"t m1 x1ed hb y6f7e ff4 fs7 fc3 sc0 ls7 ws7\">Avenue of Americas, New York City NY 10036, United States<span class=\"_ _3eb\"> </span></div></td></tr></table></div><div class=\"gsa10\"><table class=\"s w12b8 h2e9\" id=\"_d4ba5231-fc81-4058-9d49-3cb04edb5c36\"><tr><td></td><td class=\"t m1 x24b7 hba y700b ff1 fs7 fc3 sc0 ls7 ws7\">Address<span class=\"_ _3eb\"> </span></td><td></td></tr><tr><td class=\"c n x1ee y700c w12b9 h20a\"><div class=\"t m1 x1ed hb y659b ff1 fs7 fc3 sc0 ls7 ws7\">112</div></td><td class=\"c n x2475 y700c w12ba h20b\"><div class=\"t m1 x1ed hb y659b ff4 fs7 fc3 sc0 ls7 ws7\">3 Jalan Pisang, c/o Watiga Trust Ltd, 199070, Singapore<span class=\"_ _3eb\"> </span></div></td><td></td></tr><tr><td></td><td class=\"c x15ce y700d w12bb h2e3\"><div class=\"t m1 x1ed hb y6ced ff4 fs7 fc3 sc0 ls7 ws7\">c/o Ocorian Corporate Services (Mauritius) Ltd, 6</div><div class=\"t m1 x24b8 hd1 y6cee ff1 fs61 fc3 sc0 ls44 ws49\">th</div><div class=\"t m1 x24b9 hba y6ced ff1 fs7 fc3 sc0 ls7 ws0\">Floor, Tower A, 1,<span class=\"_ _3eb\"> </span></div></td><td></td></tr><tr><td class=\"t m1 x233f hba y700e ff1 fs7 fc3 sc0 ls7 ws7\">113<span class=\"_ _3eb\"> </span></td><td class=\"t m1 x24b7 hb y700e ff4 fs7 fc3 sc0 ls7 ws7\">Exchange Square, Wall Street, Ebene, Mauritius \u2013 72201, <span class=\"_ _7\"></span>Mauritius<span class=\"_ _3eb\"> </span></td><td></td></tr><tr><td></td><td class=\"t m1 x24b7 hb y700f ff4 fs7 fc3 sc0 ls7 ws7\">c/o Maples Finance Limited, PO Box 1093 GT, <span class=\"_ _7\"></span>Queensgate House, </td><td></td></tr><tr><td class=\"t m1 x233f hba y7010 ff1 fs7 fc3 sc0 ls7 ws7\">114<span class=\"_ _3eb\"> </span></td><td class=\"t m1 x24b7 hba y7010 ff1 fs7 fc3 sc0 ls7 ws0\">Georgetown, Grand Cayman, Cayman Islands<span class=\"_ _3eb\"> </span></td><td></td></tr><tr><td></td><td class=\"t m1 x24b7 hb y7011 ff4 fs7 fc3 sc0 ls7 ws7\">Level 1, Wisma Standard Chartered, Jalan Teknologi 8, <span class=\"_ _7\"></span>Taman </td><td></td></tr><tr><td></td><td class=\"t m1 x24b7 hb y7012 ff4 fs7 fc3 sc0 ls7 ws7\">Teknologi Malaysia, Bukit Jalil, 57000 Kuala Lumpur, Wilayah </td><td></td></tr><tr><td class=\"t m1 x233f hba y7013 ff1 fs7 fc3 sc0 ls7 ws7\">115<span class=\"_ _3eb\"> </span></td><td class=\"t m1 x24b7 hba y7013 ff1 fs7 fc3 sc0 ls7 ws0\">Persekutuan, Malaysia<span class=\"_ _3eb\"> </span></td><td></td></tr><tr><td></td><td class=\"t m1 x24b7 hb y7014 ff4 fs7 fc3 sc0 ls7 ws7\">Al Faisaliah Office Tower Floor No 7 (T07D), <span class=\"_ _7\"></span>King Fahad Highway, </td><td></td></tr><tr><td class=\"t m1 x233f hb y7015 ff4 fs7 fc3 sc0 ls7 ws7\">116<span class=\"_ _3eb\"> </span></td><td class=\"t m1 x24b7 hb y7015 ff4 fs7 fc3 sc0 ls7 ws7\">Olaya District, P.O box 295522, Riyadh, 11351, Saudi <span class=\"_ _7\"></span>Arabia<span class=\"_ _3eb\"> </span></td><td></td></tr><tr><td class=\"c n x1ee y7016 w12bc h20b\"><div class=\"t m1 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">117</div></td><td class=\"c n x248e y7016 w12bd h20b\"><div class=\"t m1 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">No. 2734,</div></td><td class=\"c x24bc y7016 w12be h20b\"><div class=\"t m1 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">3</div><div class=\"t m1 x24ba hd1 y659f ff1 fs61 fc3 sc0 ls44 ws49\">rd</div><div class=\"t m1 x24bb hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">Floor, Sector \u2013 I, HSR Layout, Bangalore, <span class=\"_ _7\"></span>560102, India<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td class=\"t m1 x24b7 hba y7017 ff1 fs7 fc3 sc0 ls7 ws0\" colspan=\"2\">The Company\u2019s Registered Office, Vistra Corporate Services Centre, </td></tr><tr><td class=\"t m1 x233f hb y7018 ff4 fs7 fc3 sc0 ls7 ws7\">118<span class=\"_ _3eb\"> </span></td><td class=\"t m1 x24b7 hb y7018 ff4 fs7 fc3 sc0 ls7 ws7\" colspan=\"2\">Wickhams Cay II, Road Town, Tortola, VG1110, Virgin <span class=\"_ _7\"></span>Islands, British<span class=\"_ _3eb\"> </span></td></tr><tr><td></td><td class=\"t m1 x24b7 hb y7019 ff4 fs7 fc3 sc0 ls7 ws7\" colspan=\"2\">Standard Chartered House, Stand No. 4642, Corner of <span class=\"_ _7\"></span>Mwaimwene </td></tr><tr><td class=\"t m1 x233f hb y701a ff4 fs7 fc3 sc0 ls7 ws7\">119<span class=\"_ _3eb\"> </span></td><td class=\"t m1 x24b7 hba y701a ff1 fs7 fc3 sc0 ls7 ws0\" colspan=\"2\">Road and Addis Ababa Drive, Lusaka, Lusaka, 10101, Zambia<span class=\"_ _3eb\"> </span></td></tr><tr><td></td><td class=\"t m1 x24b7 hb y701b ff4 fs7 fc3 sc0 ls7 ws7\" colspan=\"2\">Units 1101B (Office use only), No. 235 Tianhebei <span class=\"_ _7\"></span>Rd., Tianhe District, </td></tr><tr><td class=\"t m1 x233f hba y701c ff1 fs7 fc3 sc0 ls7 ws7\">120<span class=\"_ _3eb\"> </span></td><td class=\"t m1 x24b7 hba y701c ff1 fs7 fc3 sc0 ls7 ws0\" colspan=\"2\">Guangzhou City, Guangdong Province, China<span class=\"_ _3eb\"> </span></td></tr><tr><td></td><td class=\"t m1 x24b7 hb y701d ff4 fs7 fc3 sc0 ls7 ws7\" colspan=\"2\">Unit 802B, 803, 1001A,1002B,1003-1005,1101-1105, 201-1205,1302C,1303, </td></tr><tr><td></td><td class=\"c n x15ce y701e w12bf h20b\"><div class=\"t m1 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">No. 235<span class=\"_ _3eb\"> </span></div></td><td class=\"c n x24bd y701e w12c0 h20b\"><div class=\"t m1 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">Tianhe North Road, Tianhe District, Guangzhou <span class=\"_ _7\"></span>City,<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m1 x233f hba y701f ff1 fs7 fc3 sc0 ls7 ws7\">121<span class=\"_ _3eb\"> </span></td><td class=\"t m1 x24b7 hba y701f ff1 fs7 fc3 sc0 ls7 ws0\" colspan=\"2\">Guangdong Province, China<span class=\"_ _3eb\"> </span></td></tr><tr><td></td><td class=\"t m1 x24b7 hb y7020 ff4 fs7 fc3 sc0 ls7 ws7\" colspan=\"2\">C/O Teneo Financial Advisory Limited, The Colmore Building, </td></tr><tr><td class=\"t m1 x233f hba y7021 ff1 fs7 fc3 sc0 ls7 ws7\">122<span class=\"_ _3eb\"> </span></td><td class=\"t m1 x24b7 hb y7021 ff4 fs7 fc3 sc0 ls7 ws7\" colspan=\"2\">20<span class=\"_ gs1a2\"> </span>Colmore Circus, Queensway, Birmingham, B4 6AT, United Kingdom<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c n x1ee y7022 wf7b h20d\"><div class=\"t m1 x1ed hb y659e ff1 fs7 fc3 sc0 ls7 ws7\">123</div></td><td class=\"c n x24be y7022 w12c1 h20b\" colspan=\"2\"><div class=\"t m1 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">Jiron Huascar 2055, Jesus Maria, Lima, <span class=\"_ _7\"></span>15072, Peru<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y7023 we91 h20d\"><div class=\"t m1 x1ed hb y659e ff1 fs7 fc3 sc0 ls7 ws7\">124</div></td><td class=\"c n x247a y7023 w12c2 h20b\" colspan=\"2\"><div class=\"t m1 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">10 Earlsfort Terrace, Dublin 2, Dublin, D02 T380, Ireland<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td class=\"t m1 x24b7 hb y7024 ff4 fs7 fc3 sc0 ls7 ws7\" colspan=\"2\">TMF Trust Labuan Limited, Brumby Centre, Lot 42, <span class=\"_ _7\"></span>Jalan Muhibbah, </td></tr><tr><td class=\"t m1 x233f hba y7025 ff1 fs7 fc3 sc0 ls7 ws7\">125<span class=\"_ _3eb\"> </span></td><td class=\"c n x15ce y7026 w125 h20b\"><div class=\"t m1 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">87000</div></td><td class=\"c n x24bf y7026 w12c3 h20b\"><div class=\"t m1 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">Labuan F.T., Malaysia<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td class=\"t m1 x24b7 hb y7027 ff4 fs7 fc3 sc0 ls7 ws7\" colspan=\"2\">c/o King &amp; Wood Mallesons, Level 61, Governor <span class=\"_ _7\"></span>Phillip Tower, 1 Farrer </td></tr><tr><td class=\"t m1 x233f hb y7028 ff4 fs7 fc3 sc0 ls7 ws7\">126<span class=\"_ _3eb\"> </span></td><td class=\"t m1 x24b7 hba y7028 ff1 fs7 fc3 sc0 ls7 ws0\" colspan=\"2\">Place, Sydney NSW 2000, Australia<span class=\"_ _3eb\"> </span></td></tr><tr><td></td><td class=\"c n x15ce y7029 wb68 h212\"><div class=\"t m1 x1ed hba y65a9 ff1 fs7 fc3 sc0 ls7 ws0\">2402B,</div></td><td class=\"c x24c2 y7029 w12c4 h244\"><div class=\"t m1 x1ed hba y65a9 ff1 fs7 fc3 sc0 ls7 ws0\">24</div><div class=\"t m1 x24c0 hd1 y65be ff1 fs61 fc3 sc0 ls44 ws49\">th</div><div class=\"t m1 x24c1 hba y65a9 ff1 fs7 fc3 sc0 ls7 ws0\">Floor, Tamouh Tower, Tamouh, Abu Dhabi, Al Reem Island,<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m1 x233f hb y702a ff4 fs7 fc3 sc0 ls7 ws7\">127<span class=\"_ _3eb\"> </span></td><td class=\"t m1 x24b7 hba y702a ff1 fs7 fc3 sc0 ls7 ws0\" colspan=\"2\">United Arab Emirates<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c n x1ee y702b w676 h20b\"><div class=\"t m1 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">128</div></td><td class=\"c n x24c3 y702b w12c5 h212\" colspan=\"2\"><div class=\"t m1 x1ed hb y659e ff1 fs7 fc3 sc0 ls7 ws0\">2 Place de Paris, 2314, Luxembourg<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y702c w699 h20b\"><div class=\"t m1 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">129</div></td><td class=\"c n x24ae y702c w12c6 h212\" colspan=\"2\"><div class=\"t m1 x1ed hb y659e ff1 fs7 fc3 sc0 ls7 ws0\">No 1 Grenville Street, St Helier, JE2 4UF, Jersey<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y702d w12c7 h212\"><div class=\"t m1 x1ed hb y659e ff1 fs7 fc3 sc0 ls7 ws7\">130</div></td><td class=\"c n x24c4 y702d w12c8 h20b\" colspan=\"2\"><div class=\"t m1 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">77 Robinson Road, #25-00 Robinson 77, 068896, Singapore<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y702e w12c9 h212\"><div class=\"t m1 x1ed hba y65a9 ff1 fs7 fc3 sc0 ls7 ws7\">131</div></td><td class=\"c n x24a4 y702e w12ca h212\"><div class=\"t m1 x1ed hba y65a9 ff1 fs7 fc3 sc0 ls7 ws0\">Level 22, 120</div></td><td class=\"c n x24c5 y702e w12cb h212\"><div class=\"t m1 x1ed hba y65a9 ff1 fs7 fc3 sc0 ls7 ws0\">Spencer Street, Melbourne VIC 3000, Australia<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td class=\"c n x15ce y702f w12cc h20b\"><div class=\"t m1 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">Room 1915,</div></td><td class=\"c n x24c6 y702f w12cd h20b\"><div class=\"t m1 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">19/F, Lee Garden One, 33 Hysan <span class=\"_ _7\"></span>Avenue, Causeway Bay,<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m1 x233f hba y7030 ff1 fs7 fc3 sc0 ls7 ws7\">132<span class=\"_ _3eb\"> </span></td><td class=\"t m1 x24b7 hba y7030 ff1 fs7 fc3 sc0 ls7 ws0\">Hong Kong<span class=\"_ _3eb\"> </span></td><td></td></tr><tr><td class=\"c n x1ee y7031 w12ce h212\"><div class=\"t m1 x1ed hb y659e ff1 fs7 fc3 sc0 ls7 ws7\">133</div></td><td class=\"c n x24c7 y7031 w12cf h20b\" colspan=\"2\"><div class=\"t m1 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">One Central Plaza, Temple Bar, Dublin 2, <span class=\"_ _7\"></span>Dublin, D02 EF64, Ireland<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y7032 w12d0 h212\"><div class=\"t m1 x1ed hb y659e ff1 fs7 fc3 sc0 ls7 ws7\">134</div></td><td class=\"c n x24c8 y7032 w12d1 h20b\" colspan=\"2\"><div class=\"t m1 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">27 Fitzwilliam Street, Dublin, D02 TP23, Ireland<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td class=\"t m1 x24b7 hb y7033 ff4 fs7 fc3 sc0 ls7 ws7\" colspan=\"2\">Unit 705, Innovation One, Dubai International Financial Centre, <span class=\"_ _7\"></span>Dubai, </td></tr><tr><td class=\"t m1 x233f hba y7034 ff1 fs7 fc3 sc0 ls7 ws7\">135<span class=\"_ _3eb\"> </span></td><td class=\"t m1 x24b7 hba y7034 ff1 fs7 fc3 sc0 ls7 ws0\" colspan=\"2\">United Arab Emirates<span class=\"_ _3eb\"> </span></td></tr><tr><td></td><td class=\"c n x15ce y7035 w12d2 h20b\"><div class=\"t m1 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">No. 2734,</div></td><td class=\"c n x24c9 y7035 w12d3 h20b\"><div class=\"t m1 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">Sector-I, HSR Layout, HSR Layout, Bangalore, <span class=\"_ _7\"></span>Bangalore South,<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m1 x233f hb y7036 ff4 fs7 fc3 sc0 ls7 ws7\">136<span class=\"_ _3eb\"> </span></td><td class=\"t m1 x24b7 hb y7036 ff4 fs7 fc3 sc0 ls7 ws7\" colspan=\"2\">Karnataka, 560102, India<span class=\"_ _3eb\"> </span></td></tr><tr><td></td><td class=\"c x15ce y6f63 w12d4 h2e3\" colspan=\"2\"><div class=\"t m1 x1ed hba y65a9 ff1 fs7 fc3 sc0 ls0 ws0\">1</div><div class=\"t m1 x24ca hd1 y65aa ff1 fs61 fc3 sc0 ls44 ws49\">st</div><div class=\"t m1 x24cb hb y65a9 ff4 fs7 fc3 sc0 ls7 ws7\">Floor Building 33, Waterford Office Park, Waterford <span class=\"_ _7\"></span>Drive, Fourways,<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m1 x233f hb y7037 ff4 fs7 fc3 sc0 ls7 ws7\">137<span class=\"_ _3eb\"> </span></td><td class=\"t m1 x24b7 hb y7037 ff4 fs7 fc3 sc0 ls7 ws7\" colspan=\"2\">Gauteng, 2191, South Africa<span class=\"_ _3eb\"> </span></td></tr><tr><td></td><td class=\"t m1 x24b7 hb y7038 ff4 fs7 fc3 sc0 ls7 ws7\" colspan=\"2\">Stand No. 4642, Corner of Mwaimwena Road and <span class=\"_ _7\"></span>Addis Ababa Drive, </td></tr><tr><td class=\"t m1 x233f hb y7039 ff4 fs7 fc3 sc0 ls7 ws7\">138<span class=\"_ _3eb\"> </span></td><td class=\"c n x15ce y703a w12d5 h212\"><div class=\"t m1 x1ed hba y65a9 ff1 fs7 fc3 sc0 ls7 ws0\">Lusaka, 10101,</div></td><td class=\"c n x24cc y703a w12d6 h212\"><div class=\"t m1 x1ed hba y65a9 ff1 fs7 fc3 sc0 ls7 ws0\">Zambia<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td class=\"t m1 x24b7 hb y703b ff4 fs7 fc3 sc0 ls7 ws7\" colspan=\"2\">BurDubai First Business Center Office number B2007-258, Dubai, </td></tr><tr><td class=\"t m1 x233f hb y703c ff4 fs7 fc3 sc0 ls7 ws7\">139<span class=\"_ _3eb\"> </span></td><td class=\"t m1 x24b7 hb y703c ff4 fs7 fc3 sc0 ls7 ws7\" colspan=\"2\">United<span class=\"_ gs1a2\"> </span>Arab Emirates<span class=\"_ _3eb\"> </span></td></tr><tr><td></td><td class=\"t m1 x24b7 hb y703d ff4 fs7 fc3 sc0 ls7 ws7\" colspan=\"2\">Intertrust Corporate Services (Cayman) Limited, 190 Elgin </td></tr><tr><td class=\"t m1 x233f hba y703e ff1 fs7 fc3 sc0 ls7 ws7\">140<span class=\"_ _3eb\"> </span></td><td class=\"t m1 x24b7 hb y703e ff4 fs7 fc3 sc0 ls7 ws7\" colspan=\"2\">Avenue,George Town, Grand Cayman, KY1-9005, Cayman Islands<span class=\"_ _3eb\"> </span></td></tr><tr><td></td><td class=\"t m1 x24b7 hb y703f ff4 fs7 fc3 sc0 ls7 ws7\" colspan=\"2\">Unit 605-07, 6/F Wing OnCentre, 111 Connaught Road, <span class=\"_ _7\"></span>Central, </td></tr><tr><td class=\"t m1 x233f hba y7040 ff1 fs7 fc3 sc0 ls7 ws7\">141<span class=\"_ _3eb\"> </span></td><td class=\"t m1 x24b7 hb y7040 ff4 fs7 fc3 sc0 ls7 ws7\" colspan=\"2\">Sheung<span class=\"_ gs1a2\"> </span>Wan, Hong Kong<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c n x1ee y7041 we91 h212\"><div class=\"t m1 x1ed hba y65a9 ff1 fs7 fc3 sc0 ls7 ws7\">142</div></td><td class=\"c n x247a y7041 wf31 h212\"><div class=\"t m1 x1ed hba y65a9 ff1 fs7 fc3 sc0 ls7 ws0\">1221</div></td><td class=\"c x24cf y7041 w12d7 h2e3\"><div class=\"t m1 x1ed hba y65a9 ff1 fs7 fc3 sc0 ls7 ws0\">A, Devika Tower, 12</div><div class=\"t m1 x24cd hd1 y65aa ff1 fs61 fc3 sc0 ls44 ws49\">th</div><div class=\"t m1 x24ce hb y65a9 ff4 fs7 fc3 sc0 ls7 ws7\">Floor, 6 Nehru Place, New Delhi 110019<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y7042 w12d0 h212\"><div class=\"t m1 x1ed hb y659e ff1 fs7 fc3 sc0 ls7 ws7\">143</div></td><td class=\"c n x24c8 y7042 w12d8 h20b\" colspan=\"2\"><div class=\"t m1 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">16 Raffles Quay, #18-02, Hong Leong Building, 048581, Singapore<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td class=\"t m1 x24b7 hb y7043 ff4 fs7 fc3 sc0 ls7 ws7\" colspan=\"2\">The Colmore Building, 20 Colmore Circus, Queensway, Birmingham, </td></tr><tr><td class=\"t m1 x233f hba y7044 ff1 fs7 fc3 sc0 ls7 ws7\">144<span class=\"_ _3eb\"> </span></td><td class=\"t m1 x24b7 hb y7044 ff4 fs7 fc3 sc0 ls7 ws7\" colspan=\"2\">B4<span class=\"_ gs1a2\"> </span>6AT, United Kingdom<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c n x1ee y7045 w12d9 h212\"><div class=\"t m1 x1ed hb y659e ff1 fs7 fc3 sc0 ls7 ws7\">145</div></td><td class=\"c n x24d0 y7045 w12da h20b\" colspan=\"2\"><div class=\"t m1 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">9 Raffles Place, #26-01 Republic Plaza, 048619, Singapore<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y7046 w6d2 h20b\"><div class=\"t m1 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">146</div></td><td class=\"c n x245f y7046 w12db h20b\" colspan=\"2\"><div class=\"t m1 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">9 Raffles Place, #18-21 Republic Plaza, 048619, Singapore<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td class=\"t m1 x24b7 hb y7047 ff4 fs7 fc3 sc0 ls7 ws7\" colspan=\"2\">Acclime Singapore Pte. Ltd, 9 Raffles Place #18-21, <span class=\"_ _7\"></span>Republic Plaza, </td></tr><tr><td class=\"t m1 x233f hb y7048 ff4 fs7 fc3 sc0 ls7 ws7\">147<span class=\"_ _3eb\"> </span></td><td class=\"c n x15ce y7049 w12dc h20b\"><div class=\"t m1 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">048619,</div></td><td class=\"c n x24d1 y7049 w1277 h20b\"><div class=\"t m1 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">Singapore<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td class=\"t m1 x24b7 hb y704a ff4 fs7 fc3 sc0 ls7 ws7\" colspan=\"2\">WeWork, One Central Plaza, Dame Street, Dublin 2, <span class=\"_ _7\"></span>Dublin, D02 K7K5, </td></tr><tr><td class=\"t m1 x233f hb y704b ff4 fs7 fc3 sc0 ls7 ws7\">148<span class=\"_ _3eb\"> </span></td><td class=\"t m1 x24b7 hba y704b ff1 fs7 fc3 sc0 ls7 ws7\">Ireland<span class=\"_ _3eb\"> </span></td><td></td></tr><tr><td></td><td class=\"t m1 x24b7 hb y704c ff4 fs7 fc3 sc0 ls7 ws7\" colspan=\"2\">IQEQ Corporate Services (Mauritius) Ltd, 33, Edith Cavell <span class=\"_ _7\"></span>Street, </td></tr><tr><td class=\"t m1 x233f hb y704d ff4 fs7 fc3 sc0 ls7 ws7\">149<span class=\"_ _3eb\"> </span></td><td class=\"t m1 x24b7 hb y704d ff4 fs7 fc3 sc0 ls7 ws7\" colspan=\"2\">Port<span class=\"_ gs1a2\"> </span>Louis, 11324, Mauritius<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c n x1ee y704e w12dd h212\"><div class=\"t m1 x1ed hb y659e ff1 fs7 fc3 sc0 ls7 ws7\">150</div></td><td class=\"c n x24d2 y704e w12de h20b\" colspan=\"2\"><div class=\"t m1 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">One, Central Plaza, Dame Street, Dublin 2, Dublin, D02 K7K5, Ireland<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td class=\"c x15ce y704f w12df h2e3\" colspan=\"2\"><div class=\"t m1 x1ed hb y65a9 ff4 fs7 fc3 sc0 ls7 ws7\">Level C, No. 888 2</div><div class=\"t m1 x24d3 hd1 y65aa ff1 fs61 fc3 sc0 ls44 ws49\">nd</div><div class=\"t m1 x24d4 hba y65a9 ff1 fs7 fc3 sc0 ls7 ws0\">Huanhu West Road, Nanhui New Town,<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m1 x233f hba y7050 ff1 fs7 fc3 sc0 ls7 ws7\">151<span class=\"_ _3eb\"> </span></td><td class=\"t m1 x24b7 hb y7050 ff4 fs7 fc3 sc0 ls7 ws7\" colspan=\"2\">Pudong<span class=\"_ gs1a2\"> </span>New Area, Shanghai<span class=\"_ _3eb\"> </span></td></tr><tr><td></td><td class=\"t m1 x24b7 hb y7051 ff4 fs7 fc3 sc0 ls7 ws7\" colspan=\"2\">8 Marina Boulevard, Level 26, Marina Bay Financial <span class=\"_ _7\"></span>Centre, Tower 1, </td></tr><tr><td class=\"t m1 x233f hba y7052 ff1 fs7 fc3 sc0 ls7 ws7\">152<span class=\"_ _3eb\"> </span></td><td class=\"c n x15ce y6ce7 w1276 h20b\"><div class=\"t m1 x1ed hb y6f7e ff4 fs7 fc3 sc0 ls7 ws7\">018981,</div></td><td class=\"c n x24d5 y6ce7 w1277 h20b\"><div class=\"t m1 x1ed hb y6f7e ff4 fs7 fc3 sc0 ls7 ws7\">Singapore<span class=\"_ _3eb\"> </span></div></td></tr></table></div><div class=\"gs3ff\"><table class=\"s w12f6 h2ec\" id=\"_6c432b21-da42-40e4-ab74-609fac367945\"><tr><td></td><td class=\"t m0 x244e hba y7077 ff1 fs7 fc3 sc0 ls7 ws7\">Address<span class=\"_ _3eb\"> </span></td></tr><tr><td></td><td class=\"c x2458 y7078 w12f7 h2e3\"><div class=\"t m0 x1ed hba y6ced ff1 fs7 fc3 sc0 ls7 ws7\">12</div><div class=\"t m0 x24d9 hd1 y6cee ff1 fs61 fc3 sc0 ls44 ws49\">th</div><div class=\"t m0 x24da hb y6ced ff4 fs7 fc3 sc0 ls7 ws7\">Floor, Parinee Crescenzo Building, Plot C-38 &amp; <span class=\"_ _7\"></span>39, G Block Bandra (E)<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x221 hba y7079 ff1 fs7 fc3 sc0 ls7 ws7\">153<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x244e hb y7079 ff4 fs7 fc3 sc0 ls7 ws7\">Opp. MCA Ground, Mumbai, 400051, India<span class=\"_ _3eb\"> </span></td></tr><tr><td></td><td class=\"t m0 x244e hb y707a ff4 fs7 fc3 sc0 ls7 ws7\">Unit 8C-17B, Xinlikang Building, 3044 Xinghai Blvd, Nanshan <span class=\"_ _7\"></span>District, </td></tr><tr><td class=\"t m0 x221 hba y707b ff1 fs7 fc3 sc0 ls7 ws7\">154<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x244e hba y707b ff1 fs7 fc3 sc0 ls7 ws0\">Shenzhen, China<span class=\"_ _3eb\"> </span></td></tr><tr><td></td><td class=\"c x2458 y67e7 w12f8 h2e3\"><div class=\"t m0 x1ed hb y6ced ff4 fs7 fc3 sc0 ls7 ws7\">Dedicated desk # 14-123-039, 15</div><div class=\"t m0 x24db hd1 y6cee ff1 fs61 fc3 sc0 ls44 ws49\">th</div><div class=\"t m0 x24dc hba y6ced ff1 fs7 fc3 sc0 ls7 ws0\">Floor, Al Khatem Tower, ADGM<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x221 hba y707c ff1 fs7 fc3 sc0 ls7 ws7\">155<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x244e hba y707c ff1 fs7 fc3 sc0 ls7 ws0\">Square, Abu Dhabi, United Arab Emirates<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c n x1ee y707d w6ff h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">156</div></td><td class=\"c n x24d8 y707d w12f9 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">6 Battery Road #13-01, 049909, Singapore<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td class=\"c x2458 y707e w12fa h2e3\"><div class=\"t m0 x1ed hba y65a9 ff1 fs7 fc3 sc0 ls0 ws0\">4</div><div class=\"t m0 x2456 hd1 y65aa ff1 fs61 fc3 sc0 ls44 ws49\">th</div><div class=\"t m0 x2457 hb y65a9 ff4 fs7 fc3 sc0 ls7 ws7\">Floor, 274, Chitalia House, Dr. Cawasji Hormusji <span class=\"_ _7\"></span>Road, Dhobi Talao,<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x221 hb y707f ff4 fs7 fc3 sc0 ls7 ws7\">157<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x244e hba y707f ff1 fs7 fc3 sc0 ls7 ws0\">Mumbai City, Maharashtra, India 400 002, Mumbai, 400 002, India<span class=\"_ _3eb\"> </span></td></tr></table></div><div class=\"t m0 h4 ff5 fs1 fc1 sc0 ls1 ws2 gsa26\">Other notes<span class=\"_ _3eb\"> </span></div><div class=\"gsa27\"><table class=\"s w12f1 h2eb\" id=\"_18b3664a-b64e-4e7e-a1ba-ae70e9884839\"><tr><td></td><td class=\"t m0 x244e h151 y705c ff1 fs64 fc3 sc0 ls50 ws0\">Other notes<span class=\"_ _3eb\"> </span></td></tr><tr><td></td><td class=\"t m0 x244e hba y705d ff1 fs7 fc3 sc0 ls7 ws0\">The Group has determined that these undertakings are excluded from </td></tr><tr><td></td><td class=\"t m0 x244e hba y705e ff1 fs7 fc3 sc0 ls7 ws0\">being consolidated into the Groups accounts, and do not meet the </td></tr><tr><td></td><td class=\"t m0 x244e hb y705f ff4 fs7 fc3 sc0 ls7 ws7\">definition of a Subsidiary under IFRS. See note <span class=\"_ _7\"></span>32 for the consolidation </td></tr><tr><td class=\"t m0 x221 hb y7060 ff4 fs7 fc3 sc0 ls7 ws7\">158<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x244e hb y7060 ff4 fs7 fc3 sc0 ls7 ws7\">policy and disclosure of the undertaking.<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c n x1ee y7061 w6ff h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">159</div></td><td class=\"c n x24d8 y7061 w12f2 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">Registered as a Limited company under the Law of China<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y7062 w4bb h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">160</div></td><td class=\"c n x24b1 y7062 w12f3 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">Limited liability company<span class=\"_ _3eb\"> </span></div></td></tr><tr><td></td><td class=\"t m0 x244e hb y7063 ff4 fs7 fc3 sc0 ls7 ws7\">The Group has determined the principal place of <span class=\"_ _7\"></span>operation to be </td></tr><tr><td class=\"t m0 x221 hb y7064 ff4 fs7 fc3 sc0 ls7 ws7\">161<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x244e hba y7064 ff1 fs7 fc3 sc0 ls7 ws0\">United Kingdom<span class=\"_ _3eb\"> </span></td></tr><tr><td></td><td class=\"t m0 x244e hb y7065 ff4 fs7 fc3 sc0 ls7 ws7\">The Group has determined the principal place of <span class=\"_ _7\"></span>operation to be </td></tr><tr><td class=\"t m0 x221 hb y7066 ff4 fs7 fc3 sc0 ls7 ws7\">162<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x244e hb y7066 ff4 fs7 fc3 sc0 ls7 ws7\">Hong<span class=\"_ gs1a2\"> </span>Kong<span class=\"_ _3eb\"> </span></td></tr><tr><td></td><td class=\"t m0 x244e hba y7067 ff1 fs7 fc3 sc0 ls7 ws0\">Company is exempt from the requirements of the companies Act </td></tr><tr><td></td><td class=\"t m0 x244e hb y7068 ff4 fs7 fc3 sc0 ls7 ws7\">relating to the audit of individual accounts by <span class=\"_ _7\"></span>virtue of S479A of the </td></tr><tr><td></td><td class=\"t m0 x244e hb y7069 ff4 fs7 fc3 sc0 ls7 ws7\">Companies Act 2006 Company names and associated numbers <span class=\"_ _7\"></span>of the </td></tr><tr><td></td><td class=\"t m0 x244e hb y706a ff4 fs7 fc3 sc0 ls7 ws7\">subsidiaries taking an audit exemption for the year <span class=\"_ _7\"></span>ended 31 December </td></tr><tr><td></td><td class=\"t m0 x244e hb y706b ff4 fs7 fc3 sc0 ls7 ws7\">2025 are Standard Chartered Holdings Limited 02426156, Standard </td></tr><tr><td></td><td class=\"t m0 x244e hb y706c ff4 fs7 fc3 sc0 ls7 ws7\">Chartered I H Limited 08414408, Finventures UK Limited <span class=\"_ _7\"></span>04275894, </td></tr><tr><td></td><td class=\"t m0 x244e hb y706d ff4 fs7 fc3 sc0 ls7 ws7\">Standard Chartered Strategic Investments Limited 01388304, Standard </td></tr><tr><td></td><td class=\"t m0 x244e hb y706e ff4 fs7 fc3 sc0 ls7 ws7\">Chartered NEA Limited 05345091, SCMB Overseas Limited 01764223, </td></tr><tr><td></td><td class=\"t m0 x244e hb y706f ff4 fs7 fc3 sc0 ls7 ws7\">Standard Chartered Africa Limited 00002877and Standard Chartered </td></tr><tr><td></td><td class=\"t m0 x244e hb y7070 ff4 fs7 fc3 sc0 ls7 ws7\">Securities (Africa) Holdings Limited 05843604. </td></tr><tr><td></td><td class=\"t m0 x244e hb y7071 ff4 fs7 fc3 sc0 ls7 ws7\">In line with section 479C of the Companies <span class=\"_ _7\"></span>Act 2006, the Parent </td></tr><tr><td></td><td class=\"t m0 x244e hb y7072 ff4 fs7 fc3 sc0 ls7 ws7\">undertaking (Standard Chartered PLC Company) guarantees all </td></tr><tr><td></td><td class=\"t m0 x244e hb y7073 ff4 fs7 fc3 sc0 ls7 ws7\">outstanding liabilities to which the subsidiary company is <span class=\"_ _7\"></span>subject </td></tr><tr><td></td><td class=\"t m0 x244e hb y7074 ff4 fs7 fc3 sc0 ls7 ws7\">at<span class=\"_ gs1a2\"> </span>the<span class=\"_ gs1a2\"> </span>end of the financial year including external liabilities <span class=\"_ _7\"></span>of </td></tr><tr><td></td><td class=\"t m0 x244e hb y7075 ff4 fs7 fc3 sc0 ls7 ws7\">Finventures UK Limited ($2.3million), Standard Chartered NEA Limited </td></tr><tr><td class=\"t m0 x221 hb y7076 ff4 fs7 fc3 sc0 ls7 ws7\">163<span class=\"_ _3eb\"> </span></td><td class=\"t m0 x244e hb y7076 ff4 fs7 fc3 sc0 ls7 ws7\">($22.0million) and SCMB Overseas Limited ($6.3million)<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c n x1ee y65c1 w6d2 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">164</div></td><td class=\"c n x245f y65c1 w12f4 h212\"><div class=\"t m0 x1ed hb y659e ff1 fs7 fc3 sc0 ls7 ws0\">Directly held related undertaking<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6567 w6ff h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">165</div></td><td class=\"c n x24d8 y6567 w12f5 h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">Group\u2019s ultimate ownership for CurrencyFair entities is 43.422%<span class=\"_ _3eb\"> </span></div></td></tr></table></div><div class=\"t m0 h4 ff5 fs1 fc1 sc0 ls1 ws2 gsa28\">Description of <span class=\"_ _7\"></span>shares<span class=\"_ _3eb\"> </span></div><div class=\"gsa29\"><table class=\"s w12fb h2ed\" id=\"_91cc7379-1fdb-4371-8c6e-98f706bcf9e0\"><tr><td></td><td class=\"t m0 x244e h153 y7080 ff4 fs64 fc3 sc0 ls50 ws5b\">Description<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c n x1ee y7081 w3c h212\"><div class=\"t m0 x1ed hba y65a9 ff1 fs7 fc3 sc0 ls0 ws0\">A</div></td><td class=\"c n x24dd y7081 w12fc h212\"><div class=\"t m0 x1ed hba y65a9 ff1 fs7 fc3 sc0 ls7 ws0\">Class A Ordinary shares<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y7082 w12fd h212\"><div class=\"t m0 x1ed hba y65a9 ff1 fs7 fc3 sc0 ls0 ws0\">B</div></td><td class=\"c n x245e y7082 w12fe h212\"><div class=\"t m0 x1ed hba y65a9 ff1 fs7 fc3 sc0 ls7 ws0\">Class B Ordinary shares<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x221 hba y7083 ff1 fs7 fc3 sc0 ls0 ws0\" colspan=\"2\">C<span class=\"_ _18d\"> </span><span class=\"ls7\">Class C Ordinary shares<span class=\"_ _3eb\"> </span></span></td></tr><tr><td class=\"t m0 x221 hba y7084 ff1 fs7 fc3 sc0 ls0 ws0\" colspan=\"2\">D<span class=\"_ _22b\"> </span><span class=\"ls7\">Class D Ordinary shares<span class=\"_ _3eb\"> </span></span></td></tr><tr><td class=\"c n x1ee y7085 w12ff h212\"><div class=\"t m0 x1ed hba y65a9 ff1 fs7 fc3 sc0 ls0 ws0\">E</div></td><td class=\"c n x24de y7085 w1300 h212\"><div class=\"t m0 x1ed hba y65a9 ff1 fs7 fc3 sc0 ls7 ws0\">Class A2 shares<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y7086 w1301 h212\"><div class=\"t m0 x1ed hba y65a9 ff1 fs7 fc3 sc0 ls0 ws0\">F</div></td><td class=\"c n x24df y7086 w1302 h212\"><div class=\"t m0 x1ed hba y65a9 ff1 fs7 fc3 sc0 ls7 ws0\">Class B Shares<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6d6b w1303 h212\"><div class=\"t m0 x1ed hba y65a9 ff1 fs7 fc3 sc0 ls0 ws0\">G</div></td><td class=\"c n x24e0 y6d6b w1304 h212\"><div class=\"t m0 x1ed hba y65a9 ff1 fs7 fc3 sc0 ls7 ws0\">Class B Equity interest<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y7087 w1305 h212\"><div class=\"t m0 x1ed hba y65a9 ff1 fs7 fc3 sc0 ls0 ws0\">H</div></td><td class=\"c n x2497 y7087 w1306 h212\"><div class=\"t m0 x1ed hba y65a9 ff1 fs7 fc3 sc0 ls7 ws0\">Series A Preferred<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x221 hba y7088 ff1 fs7 fc3 sc0 ls0 ws0\" colspan=\"2\">I<span class=\"_ _199\"> </span><span class=\"ls7\">Series B Preferred<span class=\"_ _3eb\"> </span></span></td></tr><tr><td class=\"c n x1ee y7089 w1307 h212\"><div class=\"t m0 x1ed hba y65a9 ff1 fs7 fc3 sc0 ls0 ws0\">J</div></td><td class=\"c n x24d0 y7089 w1308 h212\"><div class=\"t m0 x1ed hba y65a9 ff1 fs7 fc3 sc0 ls7 ws0\">Preference shares<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6f16 w1164 h212\"><div class=\"t m0 x1ed hba y65a9 ff1 fs7 fc3 sc0 ls0 ws0\">K</div></td><td class=\"c n x24e1 y6f16 w1309 h212\"><div class=\"t m0 x1ed hba y65a9 ff1 fs7 fc3 sc0 ls7 ws0\">Series A preference shares<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x221 hba y708a ff1 fs7 fc3 sc0 ls0 ws0\" colspan=\"2\">L<span class=\"_ _1a0\"> </span><span class=\"ls7\">Series B preference shares<span class=\"_ _3eb\"> </span></span></td></tr><tr><td class=\"t m0 x221 hba y708b ff1 fs7 fc3 sc0 ls0 ws0\" colspan=\"2\">M<span class=\"_ _18e\"> </span><span class=\"ls7\">Redeemable preference shares<span class=\"_ _3eb\"> </span></span></td></tr><tr><td class=\"c n x1ee y708c w130a h212\"><div class=\"t m0 x1ed hba y65a9 ff1 fs7 fc3 sc0 ls0 ws0\">N</div></td><td class=\"c n x2454 y708c w130b h212\"><div class=\"t m0 x1ed hba y65a9 ff1 fs7 fc3 sc0 ls7 ws0\">Series B Redeemable preference shares<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6f1f w130c h212\"><div class=\"t m0 x1ed hba y65a9 ff1 fs7 fc3 sc0 ls0 ws0\">O</div></td><td class=\"c n x24e2 y6f1f w130d h212\"><div class=\"t m0 x1ed hba y65a9 ff1 fs7 fc3 sc0 ls7 ws0\">Series C2 preference shares<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y708d w130e h212\"><div class=\"t m0 x1ed hba y65a9 ff1 fs7 fc3 sc0 ls0 ws0\">P</div></td><td class=\"c n x24e3 y708d w130f h212\"><div class=\"t m0 x1ed hba y65a9 ff1 fs7 fc3 sc0 ls7 ws0\">Series C3 preference shares<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6d88 w130c h20b\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls0 ws0\">Q</div></td><td class=\"c n x24e2 y6d88 w1310 h212\"><div class=\"t m0 x1ed hb y659e ff1 fs7 fc3 sc0 ls7 ws0\">Redeemable non-cumulative preference shares<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y708e w1311 h212\"><div class=\"t m0 x1ed hba y65a9 ff1 fs7 fc3 sc0 ls0 ws0\">R</div></td><td class=\"c n x24c3 y708e w1312 h212\"><div class=\"t m0 x1ed hba y65a9 ff1 fs7 fc3 sc0 ls7 ws0\">Compulsory convertible cumulative preference shares<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y65bd w1313 h212\"><div class=\"t m0 x1ed hba y65a9 ff1 fs7 fc3 sc0 ls0 ws0\">S</div></td><td class=\"c n x24e4 y65bd w1314 h212\"><div class=\"t m0 x1ed hba y65a9 ff1 fs7 fc3 sc0 ls7 ws0\">Irredeemable convertible preference shares<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y67d8 w1315 h212\"><div class=\"t m0 x1ed hba y65a9 ff1 fs7 fc3 sc0 ls0 ws0\">T</div></td><td class=\"c n x24e5 y67d8 w1316 h212\"><div class=\"t m0 x1ed hba y65a9 ff1 fs7 fc3 sc0 ls7 ws0\">Irredeemable non-cumulative preference shares<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y65c1 w1317 h212\"><div class=\"t m0 x1ed hba y65a9 ff1 fs7 fc3 sc0 ls0 ws0\">U</div></td><td class=\"c n x24e6 y65c1 w1318 h212\"><div class=\"t m0 x1ed hba y65a9 ff1 fs7 fc3 sc0 ls7 ws0\">Class B Non-cumulative preference shares<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x221 hba y708f ff1 fs7 fc3 sc0 ls0 ws0\">V<span class=\"_ _18d\"> </span><span class=\"ls7\">Class C Non-cumulative preference shares<span class=\"_ _3eb\"> </span></span></td><td></td></tr></table></div><div class=\"gsa2a\"><table class=\"s w1319 h2ee\" id=\"_490529b0-c7e4-4a75-a3d9-56320692af4a\"><tr><td class=\"c n x1ee y6f16 w5d8 h20a\"><div class=\"t m0 x1ed hba y6ced ff1 fs7 fc3 sc0 ls0 ws0\">W</div></td><td class=\"c n x248b y6f16 w131a h20a\"><div class=\"t m0 x1ed hba y6ced ff1 fs7 fc3 sc0 ls7 ws0\">Class D Non-cumulative preference shares<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"t m0 x2382 hba y7090 ff1 fs7 fc3 sc0 ls0 ws0\" colspan=\"2\">X<span class=\"_ _18d\"> </span><span class=\"ls7\">Charter capital<span class=\"_ _3eb\"> </span></span></td></tr><tr><td class=\"c n x1ee y7091 w131b h20a\"><div class=\"t m0 x1ed hb y659b ff1 fs7 fc3 sc0 ls0 ws0\">Y</div></td><td class=\"c n x24e7 y7091 w131c h20b\"><div class=\"t m0 x1ed hb y659b ff4 fs7 fc3 sc0 ls7 ws7\">Limited Partnership<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y708c w115b h20a\"><div class=\"t m0 x1ed hba y6ced ff1 fs7 fc3 sc0 ls0 ws0\">Z</div></td><td class=\"c n x247a y708c w131d h20a\"><div class=\"t m0 x1ed hba y6ced ff1 fs7 fc3 sc0 ls7 ws0\">Partnership Interest<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6f1f w131e h20a\"><div class=\"t m0 x1ed hba y6ced ff1 fs7 fc3 sc0 ls7 ws7\">AA</div></td><td class=\"c n x2493 y6f1f w131f h20a\"><div class=\"t m0 x1ed hba y6ced ff1 fs7 fc3 sc0 ls7 ws0\">Membership interest<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y708d w1320 h20a\"><div class=\"t m0 x1ed hba y6ced ff1 fs7 fc3 sc0 ls7 ws7\">AB</div></td><td class=\"c n x245d y708d w1321 h20a\"><div class=\"t m0 x1ed hba y6ced ff1 fs7 fc3 sc0 ls7 ws7\">Trust<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6e38 w1322 h20d\"><div class=\"t m0 x1ed hb y659e ff1 fs7 fc3 sc0 ls7 ws7\">AC</div></td><td class=\"c n x24e8 y6e38 w1323 h20c\"><div class=\"t m0 x1ed hb y659e ff4 fs7 fc3 sc0 ls7 ws7\">Uncertificated<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y708e w1324 h20d\"><div class=\"t m0 x1ed hba y65a9 ff1 fs7 fc3 sc0 ls7 ws7\">AD</div></td><td class=\"c n x24de y708e w1325 h20d\"><div class=\"t m0 x1ed hba y65a9 ff1 fs7 fc3 sc0 ls7 ws0\">Deferred shares<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y65bd w1326 h20d\"><div class=\"t m0 x1ed hba y65a9 ff1 fs7 fc3 sc0 ls7 ws7\">AE</div></td><td class=\"c n x24e9 y65bd w1327 h20d\"><div class=\"t m0 x1ed hba y65a9 ff1 fs7 fc3 sc0 ls7 ws7\">Guarantee<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y67d8 w1328 h20d\"><div class=\"t m0 x1ed hba y65a9 ff1 fs7 fc3 sc0 ls7 ws7\">AF</div></td><td class=\"c n x24ea y67d8 w1329 h20d\"><div class=\"t m0 x1ed hba y65a9 ff1 fs7 fc3 sc0 ls7 ws0\">D1 Preference<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y67d9 w132a h20d\"><div class=\"t m0 x1ed hba y65a9 ff1 fs7 fc3 sc0 ls7 ws7\">AG</div></td><td class=\"c n x2477 y67d9 w132b h20d\"><div class=\"t m0 x1ed hba y65a9 ff1 fs7 fc3 sc0 ls7 ws0\">S1 Preference<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6567 w6d2 h20d\"><div class=\"t m0 x1ed hba y65a9 ff1 fs7 fc3 sc0 ls7 ws7\">AH</div></td><td class=\"c n x245f y6567 w132c h20d\"><div class=\"t m0 x1ed hba y65a9 ff1 fs7 fc3 sc0 ls7 ws0\">S2 Preference<span class=\"_ _3eb\"> </span></div></td></tr></table></div><div class=\"t m0 h4 ff5 fs1 fc1 sc0 ls1 ws2 gsa2b\">Business activity<span class=\"_ _3eb\"> </span></div><div class=\"gsa2c\"><table class=\"s w12e0 h2ea\" id=\"_01c34c8a-d334-4274-ba92-a23126fe6dba\"><tr><td></td><td class=\"t m0 x2469 h153 y7053 ff4 fs64 fc3 sc0 ls50 ws5b\">Activity<span class=\"_ _3eb\"> </span></td></tr><tr><td class=\"c n x1ee y7054 w12e1 h203\"><div class=\"t m0 x1ed h5 y66b5 ff1 fs2 fc3 sc0 ls0 ws0\">i</div></td><td class=\"c n x247a y7054 w12e2 h239\"><div class=\"t m0 x1ed h5 y66b5 ff4 fs2 fc3 sc0 ls2 ws1\">Banking &amp; Financial Services<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y7055 w12e3 h239\"><div class=\"t m0 x1ed h5 y66b5 ff4 fs2 fc3 sc0 ls2 ws1\">ii</div></td><td class=\"c n x248b y7055 w12e4 h203\"><div class=\"t m0 x1ed h5 y66b5 ff1 fs2 fc3 sc0 ls2 ws0\">Commercial real estate<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y7056 w12e5 h239\"><div class=\"t m0 x1ed h5 y66b5 ff4 fs2 fc3 sc0 ls2 ws1\">iii</div></td><td class=\"c n x2454 y7056 w12e6 h203\"><div class=\"t m0 x1ed h5 y66b5 ff1 fs2 fc3 sc0 ls2 ws0\">Data Analytics<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y7057 w12e7 h203\"><div class=\"t m0 x1ed h5 y66b5 ff1 fs2 fc3 sc0 ls2 ws1\">iv</div></td><td class=\"c n x24c3 y7057 w12e8 h239\"><div class=\"t m0 x1ed h5 y66b5 ff4 fs2 fc3 sc0 ls2 ws1\">Digital Venture<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y7058 w12e9 h201\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls0 ws0\">v</div></td><td class=\"c n x24d6 y7058 w12ea h201\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls2 ws0\">Investment holding company<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y7059 w12e7 h201\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls2 ws1\">vi</div></td><td class=\"c n x24c3 y7059 w12eb h201\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls2 ws0\">Leasing and Finance<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y705a w12ec h239\"><div class=\"t m0 x1ed h5 y66b5 ff4 fs2 fc3 sc0 ls2 ws1\">vii</div></td><td class=\"c n x2454 y705a w12ed h203\"><div class=\"t m0 x1ed h5 y66b5 ff1 fs2 fc3 sc0 ls2 ws0\">Research &amp; development<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y705b wc96 h239\"><div class=\"t m0 x1ed h5 y66b5 ff4 fs2 fc3 sc0 ls2 ws1\">viii</div></td><td class=\"c n x245d y705b w12ee h203\"><div class=\"t m0 x1ed h5 y66b5 ff1 fs2 fc3 sc0 ls2 ws0\">Support Services<span class=\"_ _3eb\"> </span></div></td></tr><tr><td class=\"c n x1ee y6567 w12ef h201\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls2 ws1\">ix</div></td><td class=\"c n x24d7 y6567 w12f0 h201\"><div class=\"t m0 x1ed h9 y66ce ff1 fs2 fc3 sc0 ls2 ws1\">Others<span class=\"_ _3eb\"> </span></div></td></tr></table></div><div class=\"t m0 h9 ff1 fs2 fc3 sc0 ls2 ws0 gsa2d\">Save for those disclosed in this Annual Report, there </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gsa2e\">were<span class=\"_ gs36\"> </span>no<span class=\"_ gs36\"> </span>other significant investments held, nor were <span class=\"_ _7\"></span>there </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gsa2f\">material<span class=\"_ gs36\"> </span>acquisitions or disposals of subsidiaries during <span class=\"_ _7\"></span>the </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gsa30\">year under review. Apart from those <span class=\"_ _7\"></span>disclosed in this Annual </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gsa31\">Report, there were no material investments <span class=\"_ _7\"></span>or additions </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gsa32\">of<span class=\"_ gs36\"> </span>capital assets authorised by the Board <span class=\"_ _7\"></span>at the date </div><div class=\"t m0 h5 ff4 fs2 fc3 sc0 ls2 ws1 gsa33\">of<span class=\"_ gs36\"> </span>this<span class=\"_ gs36\"> </span>Annual Report.</div>",
   "dimensions": {
    "concept": "standardcharteredplc:DisclosureOfRelatedUndertakingsOfTheGroupExplanatory",
    "language": "en",
    "entity": "scheme:U4LOSYZ7YG4W3S5F2G91",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-40": {
   "value": "England",
   "dimensions": {
    "concept": "ifrs-full:CountryOfIncorporation",
    "language": "en",
    "entity": "scheme:U4LOSYZ7YG4W3S5F2G91",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-41": {
   "value": "London",
   "dimensions": {
    "concept": "ifrs-full:PrincipalPlaceOfBusiness",
    "language": "en",
    "entity": "scheme:U4LOSYZ7YG4W3S5F2G91",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-42": {
   "value": "1 Basinghall Avenue London, EC2V 5DD United Kingdom",
   "dimensions": {
    "concept": "ifrs-full:AddressOfRegisteredOfficeOfEntity",
    "language": "en",
    "entity": "scheme:U4LOSYZ7YG4W3S5F2G91",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  }
 }
}